Disclaimer: We are not affiliated with Zander Insurance.  We are a direct competitor and this article is our review of Zander Life Insurance.  If you're having trouble finding 3rd party reviews of Zander Insurance, our update at the bottom of this article will explain why.

Before I get into my Zander Life Insurance review, let me clarify that I respect Dave Ramsey and think he’s a great advocate of debt-free strategies.  However, I disagree with his recommendation of Zander Insurance.

The first thing every consumer should understand is:  

Zander Insurance sponsors the Dave Ramsey Show.

In other words, Dave Ramsey receives some sort of compensation to recommend Zander.  Perhaps that's the reason why Zander received the endorsement?  (see a comment below this article from a Zander Insurance employee who explains it goes much further than the endorsement)

These are the reasons why I feel Zander Insurance falls short compared to truly independent life insurance agencies:

Selection of life insurance carriers

Zander Insurance offers fewer carriers than a life insurance agency like ours and dozens of other online agencies.

There are several highly rated and competitive carriers they should be offering which most independent life insurance agents represent.  If we have access to over 50 life insurance companies to find the lowest rates, there's no reason Zander Insurance shouldn't.

It baffles us why they wouldn't offer more companies that are very competitive for certain risks.

Zander Insurance offers blanket advice

Above Zander Insurance’s Quote Engine, they feature a quote by Dave Ramsey that states:

Zander Insurance Review

“…most people with families need 10 times their income in coverage and I recommend 15, 20 and 30 year guaranteed level plans depending on your age…” 

It’s this sort of blanket advice that will result in being over or under insured.  Everyone’s situation is different and every family has unique needs.   

Dave Ramsey also says to "buy term and invest difference".  Again, this is blanket advice. While appropriate for many situations, it's not appropriate for everyone.  Some people need permanent coverage.

All it takes is a few minutes to listen to what you are trying to accomplish and make a recommendation.  Life insurance is not "one size fits all".

Why Am I Writing This Review?

I decided to write this Zander Insurance Review because I had a consumer (now a client) call me who was declined from Zander with one of their major life insurance companies.

The reason for the decline was his PSA’s were rising over the past 2 years so they told my client no other life insurance companies would cover him until he got his PSA’s under control.  However, his PSA’s have actually come down over the last 5 years and for a 70 year old they are within normal range.   I secured this gentleman a Preferred Plus rating with Prudential, even with his prostate cancer history.  A top rated life insurance carrier that Zander Insurance wouldn't offer at that time. 

This client would have gone without protecting his family had he not shopped around.  And that's all I'm asking you to do - shop around.

If Dave Ramsey really cared about the debt-free strategies he preaches (which includes saving his followers money on their life insurance) he would recommend using a different agency.  

Bottom Line

Yes, we are a direct competitor to Zander Insurance and we write this article as a warning to consumers. 

There are many agencies and agents out there that actually practice what Dave Ramsey preaches and will find the lowest cost life insurance on the market for their clients. 

We recommend contacting an independent life insurance agency.  A good litmus test is asking your agent how many companies they represent.  If it's over 25, chances are they are independent and work on behalf of you and not any life insurance company.

Again, we mean no disrespect to Dave Ramsey.  We just believe you should know that he gets paid to recommend Zander Insurance and it's likely you can find better life insurance rates.


Zander Insurance has sent us "cease and desist" letters and complained to the Department of Insurance in all 50 states about this article complaining of unfair advertising.  They've done this to other websites' "Review" articles as well who in response decided to remove theirs.  This is why you don't see many reviews of Zander online - they have their attorneys all over us and most choose to remove the article.

I've decided to defend my 1st amendment right to free speech and hire an attorney to fend off their demands and I'd like everyone to know our stance until Zander stops their harassment of our agency. 

Here's a snippet on our stance in defense of Zander Insurance's Complaints:

The content on my clients' websites is not designed to create a negative image by a reader or to degrade the reputation of a competitor. Rather, the content is designed and intended to help consumers make informed insurance purchasing decisions. My clients' reviews of Zander Insurance Agency’s ("Zander") website and Zander’s paid advertising relationship with Dave Ramsey helps explain to consumers that they might not find the absolute best rates with Zander and should shop and compare. "Comparative advertising" is loosely defined as advertising where “the advertised brand is explicitly compared with one or more competing brands and the comparison is oblivious to the audience." Specifically, my clients' comparative advertising helps consumers to make informed purchasing decisions and not assume that Zander provides the best solutions. The content of my client’s website constitutes truthful, non-misleading speech protected by the First Amendment of the U.S. Constitution. Such clearly identified, truthful and non-deceptive “comparative advertising” has routinely been protected by courts as free speech.


For any media inquiries, please contact Jeff Root directly at jeff (@) rootfin.com.

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About Jeff Root

is the owner of rootfin.com. He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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1 Comment

Zander Employee

Hi, Jeff!
As a five-year employee of Zander Insurance, I’d like to take this opportunity to provide a rebuttal, of sorts.
First, our relationship with Dave goes far beyond being a paying sponsor of the Dave Ramsey show. Dave has a long-standing relationship with the Zander family, and carries his own policies through us. He also respects the fact that we are a debt-free company; a badge of honor that not many other brokers can boast of.
Contrary to your piece above, Zander quotes with more than just ten companies. However, the same 7-10 companies could show up in the quotes of many clients, simply by offering the lowest rates at the time. Also, keep in mind that we are a broker. While an Underwriter may decline a client based on his or her medical history, if we are aware of the history before submitting the application, we can get a preliminary quote with other companies to avoid a potential decline.
I respect your position, as well as your stance on addressing the competition. The reason that clients come to Zander Insurance is our friendly and knowledgeable staff, our commitment to outstanding service, and our ability to customize a quote to very specific needs.

October 17, 2013 at 9:58 pm
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