6 Warning Signs to Watch for When Buying Life Insurance Online

Don’t be wooed by a life insurance website’s offer of convenience. It's important to check an insurance website’s credibility and look out for these six warning signs when buying life insurance online: 1) there is no agent licensing available, 2) the website is not customer-oriented, 3) no BBB accreditation, 4) no SSL certificate, 5) you don’t recognize any insurance companies listed, and 6) no contact information.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Buying term life insurance offers peace of mind through securing financial stability for those who depend on you, but it also depends on how much life insurance you need. But buying life insurance online can be a tad unnerving. Life insurance websites where you can get term life insurance quotes and sign up for term life insurance policies offer convenience, but how do you know whether or not a site is trustworthy? The financial future of your loved ones is nothing to take lightly, and the last thing you want to do is put your hard-earned money in the wrong hands.

As you’re looking for term life insurance online, do your homework to make sure you’re dealing with life insurance professionals who are reputable.

If you notice any of the following warning signs, it’s worth second-guessing a life insurance website’s credibility and doing further research into the company’s credentials before deciding whether or not to do business with them.

Be wary of these six “red flags.”

No Life Insurance Agent Licensing Information Readily Available

Licensed life insurance agents and brokers are required to show certain license and legal information on their websites when giving quotes online. You should find this information at the bottom of the web page that generates the quotes.

If you’re unsure about an agent’s or broker’s validity, you can use your state’s department of insurance website to verify further they’re what they appear to be.

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The Website is Not Customer-Focused

Is the website “walking the walk”? Does it contain relevant information about the life insurance industry? Does it have a well-maintained and well-written blog with information that will empower people to make informed decisions when buying life insurance?

If not, that’s a sign the company might not be fully committed to helping site visitors choose the life insurance option(s) that will best meet their needs.

No Better Business Bureau Endorsement

Look for the seal with a link to the BBB. That indicates a business upholds BBB accreditation standards. If the certification symbol isn’t on the website, you’d be wise to check the BBB website to make sure the agent or broker doesn’t have a history of complaints filed against them.

No SSL Certificate

If that’s missing, your data could slip into the wrong hands. An SSL Certificate creates a secure link between your browser and a website. Look for a clickable seal from a company like Symantec (formerly VeriSign) or Network Solutions in the header or footer. If you can’t find one, think twice before providing confidential information through that website.

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You Don’t Recognize Any of the Insurance Companies They Work With.

Online insurance agents’ and brokers’ websites should list the insurance companies they work with. While it’s not necessarily a negative if you’ve never heard of the companies on their lists, it’s a good sign if there are a few household names with good reputations in the industry. A good way to gauge the caliber of insurance companies agents work with is to check how major rating companies A.M. Best and Standard & Poor’s has graded them. Look for an ‘A’ or better rating to ensure you’re getting insurance through a company that upholds the highest standards.

Elusive Contact Information

If you can’t easily find how to contact the agent or broker directly, you should wonder why they’re making it so difficult. Trustworthy insurance professionals will want to be accessible to answer questions and provide support, so they will have their phone number, email address, physical address, etc. prominently displayed on the main pages of their websites.

When you’re dealing with something as important to the livelihood of your family as life insurance, don’t ever feel like you’re too careful or cautious. Reputable term life insurance agents and brokers realize the significance of the decision you’re making and will welcome the opportunity to earn your trust.

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