Choice Mutual wants to help you make the right life insurance choices. We are sternly committed to producing accurate, highly detailed, well-informed, and transparent information so you can make an educated buying decision for yourself and your loved ones.
We give you information that no other website will. We show you actual pricing and allow you to compare multiple insurance companies side by side. You can see sample policies, applications, pros and cons of each company, and much more. Simply put, this is the only website on the internet that provides incredibly in-depth, unbiased information about final expense life insurance.
Content Accuracy
Content accuracy is among the most significant differences between choicemutual.com and other websites that produce insurance-related content. Many online articles about final expense life insurance contain misinformation and errors. Sadly, this false information is found on authoritative websites that most consumers implicitly consider as trustworthy sources.
These “dependable” websites often have incorrect information because they don’t create the content themselves. Instead, they rely on an ecosystem of freelance authors who may claim to have insurance and finance expertise, but in reality, they lack the necessary knowledge in these fields.
This is a critical differentiation between our website and others. We do not outsource content creation to freelance authors or writing agencies. Anthony Martin, the founder and CEO of Choice Mutual, is the sole author of all content on choicemutual.com. He does not use ambiguous terms or publish information that he cannot verify as factual, and he does not write about topics outside of his knowledge base.
Editorial Process
Anthony Martin is responsible for all the content on choicemutual.com. The information he presents is a derivative of personal experience, industry data, and professional opinion.
Occasionally, he consults with experts to gain insight into a topic outside his expertise. When third-party experts are consulted, we thoroughly validate their professional experience and aim to ensure they are fully qualified to provide expert commentary on the topic.
Before publishing any article, Anthony personally reviews the content multiple times. He also compensates third-party expert sources to ensure the accuracy of said content.
Sources and citations
Content appearing on Choice Mutual may include data from the following sources:
- Third-party websites: We regularly link to articles on external websites to further clarify and validate the topic at hand. We will also consult third-party websites, such as review articles, for research purposes. For example, we analyzed the Colonial Penn website to learn about their products.
- Third-party experts: Occasionally, we consult with professionals not employed by Choice Mutual. We do this when we need expert input about a topic outside our wheelhouse of expertise.
- Internal company data: Choice Mutual has helped thousands of customers and placed billions of dollars in life insurance coverage. Given our vast experience in this industry, we occasionally cite internal statistics. Also, on occasion, we will conduct consumer surveys and mention the survey(s) results in certain pieces of content.
- Insurance industry data: Data from industry-related groups such as the Insurance Information Institute (III), the National Association of Insurance Commissioners (NAIC), and the Life Insurance Marketing and Research Association (LIMRA) will sometimes be cited to supplement our commentary.
Regardless of the source being used to provide further reference to a piece of content, we will always correctly give proper credit to the contributing author.
Subject matter
We write about subjects related to insurance, the end-of-life industry, and issues about senior citizens.
Artificial intelligence
Choice Mutual has not and would not use artificial intelligence to create, modify, or influence any of the content on this website. However, we do use Grammarly to mitigate spelling and grammar errors.
Life Insurance Review Methodology
Much of our content centers around reviews of insurance products, companies, and agencies. We use a five-star scoring system that follows a strict process that overwhelmingly relies on quantitative data to make our determinations. Subjective critique is a very minor component of our scoring strategy.
Our review process and formula are clearly outlined and defined on our insurance review methodology page.
Fact Checked
At the top of each article, there is a “Fact-checked” badge. This indicates that we employ third-party licensed agents who are experts in reviewing our content for accuracy.
Customer Reviews
Various portions of our website will display actual reviews from Choice Mutual customers. We subscribe to a review service through a company called Trustpilot. After each customer interaction, we invite them to leave us a review of their experience. Be it good or bad, all customer reviews are visible on the Trustpilot.com website. Choice Mutual cannot edit customer reviews or dictate which ones are and are not published.
Updating, Correcting, And Deleting Articles
We regularly review and update existing articles. Insurance providers often change their prices, applications, product limitations, and underwriting. We also often alter articles for clarity or to provide a better user experience.
Our content is human-created, so it’s subject to occasional mistakes. While rare, we do make errors. When we become aware of a blunder, we promptly update the content to remove the erroneous information. If you find an error on our site, please contact us immediately.
While it’s uncommon, we have deleted articles and will in the future. Content deletion happens for a variety of reasons. In general, it’s done because the content is either A) no longer relevant, B) for a product that doesn’t exist, or C) redundant.
How Does Choice Mutual Make Money?
Choice Mutual is an independent insurance agency that represents over 15 different insurance companies. Every time we help clients buy a policy with one of our insurance partners, they pay us a commission. Without us, they would have no customers.
It’s essential to know that you do not pay a higher monthly price or a fee of any kind when we assist you. Truthfully, most insurance is not sold directly by the insurer. Well over 90% of all insurance is sold through licensed agencies such as Choice Mutual.
Insurance rates are filed with each state’s Department of Insurance. Insurance companies cannot deviate from these prices once they are approved. Therefore, insurance rates for a particular product can’t differ whether you buy through an agency like us or directly from the insurer.
The main advantage of Choice Mutual is that you:
- Get expert help from friendly agents who will answer all your questions.
- We compare all the top-rated carriers to ensure you get the best policy for the lowest rates.
- Assist you with the application from start to finish.
- Get 5-star ongoing service after your policy is issued.
All the benefits of working with us come at no extra cost.