Zander Insurance Might Not Be Your Best Bet

Before You Buy Zander Insurance, Make Sure You Read This

  • zander life insurance logoClaims to be an independent life insurance brokerage
  • Financial guru Dave Ramsey recommends Zander Insurance to his clients

Zander Insurance claims to be an independent life insurance brokerage (like us here at Goldsmith). They have a wonderful reputation in the life insurance industry. Dave Ramsey, a big financial guru, always and only recommends Zander Insurance to his clients and listeners. Dave Ramsey has a pitch to buy term and invest the difference with Zander Insurance. While we like the idea of investing and insurance, we do not believe that every situation is black and white, just like we don’t think Zander Insurance is in your best interest.


“As with any engine, you need to look under the hood to see if you are really getting what you need.”


It’s easy to go to a site that offers convenience, but a legitimate independent broker is an intermediary between you, the customer, and 50+ companies. Zander Life Insurance makes their assertions of service and price. Then, to prove they are the most competitive, their site offers an online term life insurance quote engine. You enter some basic information about yourself, and, presto – the “most competitive” quote you can find in the marketplace appears. However, you shouldn’t take this at face value. Make sure you take a good look at the fine print before you make a decision.

Zander Insurance

Goldsmith Can Get You What You Need

As with any “engine,” you need to look “under the hood” to see if you are really getting what you need. Goldsmith offers tons of reviews on different companies – such as BannerPrimerica,  New York Life, and AARP – for you to look over before making your final decision on your life insurance coverage. We can also help you with more specific needs such as finding the best company with a no medical exam life insurance policy! No matter your needs, just ask Goldsmith!

zander insurance


Testimonial From a Goldsmith Client

“I must tell you that working with you was a pleasant experience. You offer a good product, you had the best price, you answered all of my questions, and you kept following up. That’s good business. I have nothing negative to say. If I do find my friends in need of insurance, I will certainly tell them about you.” – Gary


zander insuranceIs Zander Insurance Really a Broker?

  • Claim “unparalleled commitment to service, the best products on the market, and a principled commitment to debt-free strategies”
  • Others have tried their quick quote engine
  • Engine only gives about 7 carriers, all known to pay high commissions to agencies

Zander Insurance calls themselves a broker. They claim “unparalleled commitment to service, the best products on the market, and a principled commitment to debt-free strategies,” so it is easy to think that they really offer the best rates. It is interesting to note that others have tried their quick quote engine, which, in certain cases, only produces about 7 insurance carriers. All of these carriers are known in the industry to pay higher than usual commissions to agencies.

If you don’t believe this, try it yourself. You probably won’t find quotes from companies like AXA Equitable, Prudential, or Met Life. This being the case, then, you – the customer – are not getting the absolute best service. Every dollar saved by you, the client, can then be placed into your own financial savings plan.


“You – the customer – are not getting the absolute best service.”


zander insurance, smokingZander Insurance Is Not a Smoker’s Best Friend

Smokers are another category of customer who should not assume they’re getting the best service. While smoking in the US is on decline for obvious financial and health reasons, there are still people who smoke. Just like anyone else, they also want life insurance.

A quick trial of Zander’s engine reveals that they do not have the market’s absolute best rates. This is because the best carrier for smokers is a company that pays lower commissions.  Learn more about getting the best life insurance rates for smokers HERE.

Is Jeff Zander Actually Going to Speak With You?

  • Who are you actually talking to at Zander Insurance?
  • Don’t let them treat you like a number

When you call the number, are you actually speaking with Jeff Zander or are you speaking with a call center representative who has a quota to hit and treats you like a number? When you contact a call center, are you actually getting the best possible service and guaranteed lowest prices? Life insurance is a major purchase and one that should not be left to chance. Make sure you are not treated as a number when you are shopping for the best rates on life insurance.

Zander Insurance Advertises on the Dave Ramsey Show

zander insurance, dave ramsey

  • Zander spends millions of dollars to be Dave’s insurance company
  • You have to wonder about a potential agenda

Do you know that Zander Insurance spends millions of dollars in order to be Dave’s chosen insurance company? While most of Dave Ramsey’s advice about saving money and paying off debt is wonderful and very helpful, you have to wonder about a potential agenda by the radio host regarding his “clients.” Dave Ramsey’s show is a syndicated radio show with paid advertisers, Zander Insurance being one of them, if not the largest of them. Rumors have always swirled regarding exactly how much money is spent each year to remain “Dave’s suggestion” on where you should go to buy life insurance. The moral of the story is to shop around and make sure the broker you are dealing with has your best interest in mind.

Shop Around Before You Buy Zander Insurance

zander insurance review

  • Term policies provide a financial cushion after a life-changing event
  • Cash policies are more permanent

So now what do you think of Zander Insurance? Despite these issues, at least the customer is given a chance to get some market information about term life insurance. Throughout life, there are major financial obligations, and term life insurance is the best policy to address the concerns of the client. Term policies provide a financial cushion if a life-changing event occurs.

As we grow older, our responsibilities change. There is no reason to be locked into paying for a larger financial contract just because your financial obligations have changed and the need to replace your income is much smaller. Term life policies are set for a defined time frame and will only pay if the policyholder dies when the policy is in effect.


“The moral of the story is to shop around and make sure the broker you are dealing with has your best interest in mind.”


The features related to cash policies are different. They provide a financial cushion but are more permanent in nature (lasting the life of the insured or until they are 100 years old). They also accumulate savings (also called a cash value) but are the residual benefit to the insurance carrier when the policyholder dies. Many financial advisers believe that the cash values are not a real benefit since insurance should be for financial protection if an event occurs, and not a savings account.

Goldsmith Is Proud to Offer You Essential Industry Information

From a consumer perspective, we tend to look down upon the life insurance industry. We don’t like dealing with agents. We don’t like talking about life insurance, and, to top it off, when companies, agents, brokers, and financial pundits misinform the public, it makes hard-working, honest people in the insurance business look bad.

We at Goldsmith try our best to always do what’s in your best interest first and foremost, rather than our own. While Zander is not explicitly recommending bad policies, they are not giving their clients all of the information that would allow them to make the best decision for their needs. This is why I cannot recommend that anyone uses Zander for life insurance quotes. When you start out with only a select few life insurance companies, you are starting out with a bad foundation for helping a client.

Interested in getting a free life insurance quote? Click the button below to get started with Goldsmith today!

zander insurance

Before You Buy Zander Insurance, Make Sure You Read This | Goldsmith Insurance

2 Responses to Zander Insurance Might Not Be Your Best Bet

  1. When I tried to get a life insurance policy through Zander, the agent kept demanding that I’d had a heart valve replacement, even though both my general doctor and a heart specialist provided documents to the contrary. There was/is nothing wrong with my heart. I was not able to get the agent to admit he was wrong. I ultimately went with another carrier. I was not impressed with Zander.

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