Independent Life Insurance Reviews

TD Insurance Life Insurance Reviews

(3 reviews)
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Category: Coverage, Conditions
(1.6 out of 5 stars)
Customer Service:
Value for Money:

Very long wait

(1.5 out of 5 stars)
by Marie Sep 20, 2018
...They take over 6 weeks to review the policy application, so for that time you are without insurance and waiting for the underwriters to review it. The sales people assure you that you won't need a medical, that the process is simple etc. They are lying. They don't tell you that it will take at least 6 weeks and they don't tell you that invasive medicals are required. I don't enjoy getting more bloodwork and other samples done repeatedly. I do that enough at my Doctor. They are not easy to deal with and every time you call it's a long wait. The policy is also not active until they approve it. I called to switch my life insurance providers and wanted my new policy active by the time my old one ran out, but they took so long I was without life insurance for several weeks. Not fun when you have kids that depend on you and you get worried to even drive somewhere without life insurance. Horrible service. Way too slow...
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Did you know that if you are a 35-year old female, a term life insurance policy for 10 years with coverage of $500,000 will cost you around $15-$20/month? Getting your life insurance quote today will allow you to lock-in a great rate.

nondisclosure disqualified

(1.0 out of 5 stars)
by burned by non disclosures Oct 26, 2017
...Really zero but makes u choose. If your parents or siblings have cancer before age of 60 you don’t qualify disability nor life insurance but they don’t ask these when first applying for insurance. Plus they will continue to take your payments without letting you know until you have an issue; then you find out your not covered even if you are paying on the insurance. The request forms only ask for past 24 months but they go far back into your health records to find any reason to disqualify you very evasive. Again ask what disqualifies you before paying for this insurance as they won’t tell you up front and take your payments anyway. They don’t care...
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Very helpful agents

(4.0 out of 5 stars)
by BOWS1 Oct 08, 2013
...Anytime I have had questions about my coverage, or was unsure of what was or was not covered, TD Insurance agents were very helpful and always asked if I needed any more assistance...
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Did you know there is a 35% chance of developing a critical illness before you are 65 and 65%-70% chance before you turn 81? That means getting a critical illness insurance quote is no less important than getting life insurance. Your choice.