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I'm looking for a web 2.0 type site that offers an easy way to get good term life insurance quotes without dealing with the plethora of scammy-type sites out there.

I could go to each individual insurer and do it there, but I'm thinking there's probably a new startup that does this (or maybe mint.com does?)

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I believe you are from New York. NYS law is very strict when it comes to insurance -- only brokers can solicit or quote insurance policies in the state. –  duffbeer703 Oct 12 '11 at 1:49
    
I understand not wanting scammy sites, but what is wrong with a broker? I don't know what the incentive would be for a site or person to do this unless they were a broker? –  MrChrister Nov 8 '11 at 21:56
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3 Answers 3

If you decide to get term life insurance, the best way to buy is by checking one of several websites for a financially strong company that offers low premiums. AMBest.com is a good site for research purposes. Look for insurers that have an A++ or an A+ rating. (Free registration is required to use this site.)

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These things are regulated in the US so it makes it difficult if not impossible for an outside party to come in and make a site like you are suggesting. In theory it protects you from scammers who want to take advantage of you. In practice it keeps the market closed except to those with a big bankroll to buy in. So you end up with broker sites masquerading as comparison sites.

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Both of these are legit.

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The OP asked for Non broker services not legit brokers. Both of these are broker services. –  user4127 Oct 12 '11 at 17:28
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