Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. I was very pleased to find a company who delivered exactly what they claim in their advertisements. To cancel your coverage, contact the company that issued you the policy. Power rankings for Zanders partner companies: When you purchase life insurance through Zander or another company, you are entitled to a 10-day free look period. The complaint says in that capacity and as trustee of the Toxaway Trust, he caused the Toxaway Trust to sell its shares of the company to employees who were leased to the company from Zander Insurance, thereby establishing the ESOP. It may be the most important date of your life.LAW-0247AO (05/18). Copyright 1997-2023 Ripoff Report. Plaintiff: Anne Marie Garza. This was very exciting for my family. The company originated in 1925 and is based in Nashville, Tennessee. For more information on identity theft protection services, see the following guides. Zander Insurance sends quarterly alerts to its members to remind them to access their reports. Power 2021 U.S. Life Insurance Study. You can learn more about the standards we follow in producing accurate, unbiased content in our, nonbinary doesnt disqualify you from getting life insurance, Assurity Life Insurance Company - Complaint Index, Banner Life Insurance Company - Complaint Index, Lincoln Financial Life Insurance Company - Complaint Index, Protective Life Insurance Company - Complaint Index, Prudential Insurance Company - Complaint Index, SBLI USA Life Insurance - Complaint Index, Transamerica Life Insurance Company - Complaint Index, 2021 U.S. When the person came for my medical exam, she asked many of the same questions as if the online survey was never even looked at. We have contacted Mr. Degnan to provide clarification regarding the reason(s) for his insurance denial (the details of which cannot be discussed in a public forum), as it is not related to his military service. The DOL says its Employee Benefits Security Administration (EBSA) found in September 2011, the Zander Group Holdings Inc. ESOP paid more than fair market value You can also reach our associates by calling (800) 356-4282. It Up to this point I've tried to be tolerant, hoping that once I get our life insurance set up I never have to hear from Zander again, but I'm really considering going elsewhere now. I've never had such a hard time getting insured. Nationwide excels at making personalized solutions available, and we have chosen to work with them to give our customers access to improved coverage options. We would be happy to discuss this information, as well as next steps, if Mr. Degnan will contact us. Patients made into prostitutes and sex slaves, bilking insurance companies out of millions, Sac_County Iowa Prosecutor Ben Smith pays $750,000 to settle Ripoff Report 1983 civil rights lawsuit.. Federal Judge stops prosecutors abuse of power against ED Magedson Founder of Ripoff Report. NAIC. See banking service provided by Axos Bank, More info about closed bank account inquiries. These can be surprisingly common problems that can be corrected with the help of a personalized policy. Please enable Javascript in your browser, then refresh this page to use our website. Independent of a referral compensation agreement with companies on our site, companies may also choose to subscribe to They've reached out to me via email, text, and phone call coming up on 50 times now over the past 3 weeks for the following reasons (multiple times per instance): This call may be generated using an automated technology and if we're unable to reach you when we call, we may leave you a pre-recorded message, so you can call us back. An independent agency without bias offers tons of reviews on different companies such as Banner, Primerica, New York Life, and AARP for you to look over before making your final decision on your life insurance coverage. A policy that is a poor fit can be frustrating, and you might be paying for unnecessary coverages or even underinsuring essential assets. Zander Life Insurance is an Advertiser on the Dave Ramsey Show Do you know that Zander Life Insurance spends millions to be Daves insurance company? Lastly, we look at how the company is rated by third-party organizations to determine its reliability and overall reputation. Zander Insurance. Rates shown are the monthly premiums: Like all other insurance companies, Zander Insurance requires you to select either male or female when getting a quote for term life insurance. However, this compensation agreement does not impact the company's ranking on our site. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. To learn more about each insurance product, click on the links below. Policyholders can trust that their claims will be met because Zander Insurance works with financially strong insurance companies. Here at Zander Insurance Agency, we work with Nationwide to bring personalized insurance options to our customers. Most life insurers complete an underwriting process before an applicant is approved. During the first 10 days after receiving your policy documents, you can cancel your policy and get a full refund of all premiums that you paid. This being the case, then, you the customer are not getting the absolute best service. I got my quote online within a minute or less, picked a company to apply with, requested an application, and got a call the next day to start my application over the phone. This caused the price to increase due to their determination of a higher risk exposure. The features related to cash policies are different. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! Corporate Advocacy Program: How to repair your business reputation. I'm a healthy 61 year old. With practical experience running his own IT business and an education in the liberal arts, Matthew Klammer had become well-accustomed to the difficulties of research. You enter some basic information about yourself, and, presto the most competitive quote you can find in the marketplace appears. I finally get an email on 9/21 with a link stating that the reason for my application being declined was some information on a third party medical records report of some sort. Glassdoor gives you an inside look at what it's like to work at Zander Insurance Group, including salaries, reviews, office photos, and more. However, you wont receive a refund of any premiums. While most of Ramseys advice about saving money and paying off debt is wonderful, sound suggestions you have to wonder about a potential agenda by the radio host regarding his clients. Dave Ramseys show is a syndicated radio show with paid advertisers, Zander Insurance being one of if not the largest. Power ranked State Farm as the top individual life insurance company in its study. The company evaluates insurance companies and issues its opinions on the companies abilities to meet their policy and contractual obligations through its Financial Strength Ratings. Zander Insurance Group quoted $434 for $1M coverage for a term of 20 years. WebZander Insurance does not draft money from clients' accounts for insurance premiums, nor do we store payment information; we are the agent and are not involved with the billing The retirement plan for Tenneco Inc. employees is alleged to have committed two breaches of fiduciary duty. The catch is Zander does not include credit monitoring services offered by most of its rivals. I got several qoutes from several different companies (which meant several exams, blood work, and waiting for doctors offices to send in my medical history records). they cannot deliver what they say an insane amount of money Pittsburgh Pennsylvania, Attorney Sharon K. Campbell COLLUDES with Wells Fargo Dallas Texas, BlackSwanCapital.co Black Swan Enterprises Peter Tumbas Black Swan Capital The offered guaranteed low-cost financing if I first stepped in high-cost short term financing New York New York, Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! It is based in Nashville, Tennessee, and is a fourth-generation family-and-employee-owned business. To contact customer support, email info@zanderins.com or call 800-356-4282. They had me do a medical exam. Once the free look period ends, you can cancel your term life coverage at any time without paying a cancellation fee. A quick trial of Zander Life Insurance life quoting engine reveals that they do not have the markets absolute best rates. You can receive alerts via email or on the mobile app, too. Patti B. on working with RamseyTrusted Provider Mama Bear Legal Forms. Your consent to us calling is not required to get a quote or make a purchase and may be revoked at any time. - to ask why I hadn't yet set up an over the phone health assessment (it was scheduled for the next day at 10:30am) plus a separate call and email for the same question for my wife The life insurance agency specializes in term life insurance, disability insurance, identity theft protection, health insurance, long-term care insurance, auto insurance, home insurance, and business insurance. Price can vary widely from company to company, which is why it makes sense to shop around. The industry standard for ratios is 1.0. This report was posted on Ripoff Report on 01/18/2017 10:58 AM and is a permanent record located here: After speaking with us, you will have a complete understanding of both whole life insurance and universal life insurance and you will know which options are best for you.In order to properly assess your coverage needs, you and your spouse will need to consider things such as your age, current income, current debt, number (if any) of dependent children, likely future income levels, final expenses and the impact of a loss of income. Whenever you have any major change in your life, you should reassess your insurance needs. Run run as fast as you can. The posting time indicated is Arizona local time. Maybe look somewhere else if youve ever served in the military. Katz Sapper & Miller, which also has offices in New York and Fort Wayne, Ind., offers tax, accounting and consulting services, including serving more than 500 corporate sponsors of ESOPs and other employee benefit plans. If a company has a Visit Site and/or phone number next This is why I cannot recommend that anyone use this company for life insurance quotes. That never happened either. The trustee and the beneficiary to both of the trusts and the president of JJZ Insurance Agency was employed as president of the company. By doing this, Zander keeps its basic price for an individual Essential plan at $6.75 a month or $75.00 a year and $12.90 monthly or $145.00 annually for a family plan. During the underwriting process conducted by the Insurance Company a review is conducted including medical history as well as exam results and other criteria to determine which rate class an individual will ultimately qualify for. ", J.D. I have no health issues but they cant find me coverage. Talmadge Clark This is because the best carrier for smokers is a company that pays lower commissions. PrivacyGuard's Total Protection plan offers credit reporting, scores and tools, along with comprehensive identity monitoring and identity recovery services, for $24.99 per month. Top Collin County officials and former and current employees finalized a settlement Monday for $1.75 million over alleged sexual 702 King Farm Boulevard, Suite 400, Rockville, MD 20850 / +1 212-944-4455 /. Singer Robin Zander, guitarist Rick Nielesen and bassist Tom Peterson are suing to remove drummer Bun E. Carlos as a board member of the bands businesses. I get random text messages asking to confirm or clarify some information in the application (rather than an email or phone call) and then a cryptic text about whether I want a rider for my kids. Consumers want to see how a business took care of business. God awful customer service and a God awful experience. Who is ED Magedson - Founder, Ripoff Report. The primary differences between Zander ID Theft Solutions and LifeLock are integrity, price, and a continued effort to emphasize service and value to our members. The study evaluated 24 life insurance companies and ranked them based on price, policy options, communication, and customer service. It also offers similar products and employee benefit plans to businesses. Products and discounts not available to all persons in all states. On October 24, 2016 I spent the better half of the day researching companies and submitting quotes. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Nationwide Mutual Insurance Company. Zander Life Insurance calls themselves a broker. He had a group policy through work so that became my cap, as far as Zander is concerned. Highly unrecommended, We may receive referral compensation from some of the companies on our site. Zander Insurance is one of America's largest insurance brokerages. - to ask my wife for 3 dates that would work best for her for an in-person health evaluation Please upgrade your browser, or visit our old site. However, Zander only sells term life insurance and doesnt have options for customizing your policy. Over the course of the next EIGHT weeks, I submitted medical records, blood work and waited for their approval. ON THE LAST PAGE, it was nearly HIDDEN that the new charge would be not $434 per year, but $4584 each year. What is the best time to buy life insurance? Now they wont get back with me on why I cant take the first offer. Zander has all types of identity theft protection and offers reimbursement of up to $1 million for victims ($2 million for families) and offers services 365 days a year 24/7. WebAn insurance coverage lawyer can effectively pursue your rights to have your insurance company defend you in a lawsuit at the insurers expense. ZANDER INSURANCE COMPANY, ZANDERINS.COM, WWW.ZANDERINS.COM, DAVE RAMSEY, HTTP://ZANDERINS.COM, ZANDER LIFE INSURANCE TERM ZANDER LIFE INSURANCE SCAM == BEWARE BAIT AND SWITCH = QUOTES LOW THEN APPROVES AND INCREASES PRICE BY 10X AFTER 8 WEEKS OF SUBMITTING PAPERWORK Nationwide. According to the DOLs complaint, Zander Insurance is a partnership which, prior to establishment of the ESOP, was owned by two trusts and JJZ Insurance Agency Inc. Zander Group Holdings Inc. was created for the purpose of establishing the ESOP. ", NAIC. Zander Life Insurance Is Not a Smokers Best Friend Smokers are another category of customer who should not assume theyre getting the best service. U.S. News 360 Reviews takes an unbiased approach to our recommendations. These include white papers, government data, original reporting, and interviews with industry experts. The second just straight denied me. Zander is a scam who wastes 8 weeks of your life going without life insurance. "Lincoln Financial Life Insurance Company - Complaint Index. While policies purchased through Zander can take four to six weeks to get approved, State Farm has an instant issue policy, allowing you to get coverage within minutes. This covers all types of ID theft including home title fraud, Social Security and dark web monitoring, lost wallet service, data breach updates, and comes with 24/7 customer service. "Protective Life Insurance Company - Complaint Index. For some reason that option didnt appear to be available any longer since he asked us to look further and with new info was able to find an alternate company willing to provide a lower rate. From providing POS systems to small tourist shops to data security and account management Matthew has provided business solutions to many individuals. Ive never had a colonoscopy. All rights reserved. I mean $50 a month for $50,000. Competitive pricing and wonderful customer service. Sacramento, CA, Ashley Johnson Her work has been published by Experian, Credit Karma, Student Loan Hero, and more. If you are in the neighborhood, we welcome you and your spouse to stop by our office at 6213 Charlotte Pike,Nashville,TN,37209. See our How We Rank page for more details. WebThese policies cover you in a home or an apartment, whether you are an owner or a renter. to its name, this indicates that we receive compensation from the company in exchange for referring prospective Financial strength ratings indicate a life insurance company's ability to meet its claims obligations. Finding a policy that provides the right types of coverage in the right amounts can be challenging. "Transamerica Life Insurance Company - Complaint Index. With offices located in Nashville, we provide the following product offerings Homeowners Provides comprehensive, customizable policies for homeowners to protect your home, family and lifestyle. Auto Offers benefits beyond mass-market insurance policies to ensure your autos are well protected. Excess Liability Protects you and your hard-earned assets against the potential risk of a lawsuit, so you can be confident about your financial future. Personal Collections Helps ensure your most cherished possessions get the coverage they deserve.Through Zander Insurance Agencys committed partnership with Nationwide Private Client, we provide specialized claims service and loss prevention support tailored to your individual needs. Claims service We will be there for our clients when they need us most. We compared it to State Farm, one of our picks for best life insurance and term insurance. A jury has returned a nearly $8 million verdict in favor of Nashville businessman Jeffrey J. Zander, concluding that Indianapolis-based accounting firm Katz Sapper & Miller LLP negligently misrepresented the tax consequences of a sale of nearly half of his insurance agency to the companys employees. Along with wedded bliss come new concerns and new responsibilities. Term life insurance provide a financial cushion if a life changing event occurs. There are elements, in this case, that were omitted by the applicant when first contacting us that we discovered by the Insurance Company. The ruling is an early win for the DOL in a case in which it seeks AI-powered legal analytics, workflow tools and premium legal & business news. Is Jeff Zander from Zander Life Insurance Actually Going to Speak With You? Reach Getahn Ward at 615-726-5968 and on Twitter @Getahn. Zander Insurance Agency has helped Nashville homeowners discover improved coverage solutions with the help of Nationwide's extensive selection of insurance products.Personalized insurance solutions are those that most closely reflect the concerns of homeowners. Greenbrier, TN, Margaret Valentino Then, to prove they are the most competitive, their site offers an online term life insurance quote engine. Before the Secretary's action, in August 2012, Mr. Zander and JJZ Insurance Agency d/b/a Zander Insurance Group ("JJZIA") filed a lawsuit in Davidson Before You Buy Zander Life Insurance, Make Sure You Read This. Bundle Home and Auto Photographer: Madison Alder/Bloomberg Law, DOL gets early win in challenge against insurance company, Lawsuit accuses Zander Group, top executive of violating ERISA. If credit reports and tools matter to you, PrivacyGuard may be a better choice than Zander. IdentityWorks, owned by Experian, provides a CreditLock service that allows members to lock and unlock their Experian credit report. Terms Your Nationwide Insurance ID card can be accessed here. Customers can also visit our office at 6213 Charlotte Pike.Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Privacy Policy This is an administrative services contract, with restoration and ancillary reimbursement benefits providing enrollment, education and preventative database management services. All of these carriers are known in the industry to pay higher than usual commissions to agencies. WebAbout Zander Insurance For over 20 years I have worked personally with Dave Ramsey, his listeners and team members to help them make important and informed decisions https://www.ripoffreport.com/reports/zander-insurance-company/nationwide/zander-insurance-company-zanderinscom-wwwzanderinscom-dave-ramsey-httpzanderins-1350636, GABRIELA BONILLA BONILLA LAW FIRM ORLANDO SCAM POSTING FOR A FAMILY MEMBER SCAM ARTIST STOLEN RETAINER HIDDEN FEES SCAM WORST FAMILY LAW LAWYER EXCESSIVE BILLING ORLANDO FLORIDA, Kenny Lessing REALTIME SCRIPTSTORE took $275 still no website A BULLY does not know how to treat customers Charlotte North Carolina Carolina, Paradise Property Management Ventura Illegal eviction my account being hacked, PPM will not investigate how it happened Ventura California, Kei Kullberg Quintessential Mortgage Group bait and switch you into promising you a low-rate Mortgage Scammer White Plains New York, TAHINI GODDESS Sally schimko Sexyveggies Tahini Goddess inulin Goddess Prebiotic white labeling of non-licensed food supplement. They had projected certain income and tax benefits I was supposed to receive as part of my sale and those benefits never materialized because their work was incorrect, he said. Its low price for complete personal identification protection is attractive, and the family plans don't limit the number of dependents you can enroll. Once the term ends, theyre no longer entitled to a benefit. Do Not Sell My Personal Information. They claim unparalleled commitment to service, the best products on the market, and a principled commitment to Zander is heavily endorsed by Dave Ramsey , a financial advice expert. I did have to complete a medical exam, but it wasn't that bad - definitely easier than going to my doctor's office. If this were going to prevent approval of my application, WHY NOT LOOK AT THIS FIRST RATHER THAN WASTING MY VERY VERY LIMITED TIME??? If you are looking to work with the best in the business, Zander is the way to go. Oceanside, NY, Todd R Some life insurance companies require a medical exam for their policies in their underwriting guidelines. Reviewers say Zander offers reasonable pricing and a full-featured ID theft package, but some are less impressed with its customer service and mobile app. Cover your business with commercial insurance from Nationwide. I should have known there was an issue immediately when I started getting calls from 2 different salesmen who didnt know the other was calling. Zander found me the highest coverage amount, for a 20 year, level term policy, for the lowest cost. Instead, members get access to their credit reports through AnnualCreditReport.com. Take the Checkup We attempted to assist this client further, and even advised him to take the other plan he noted in his comment if he had been forthright with his responses on their application. Make sure you are not treated as a number when you are shopping for the best rates on life insurance. Zander Insurance Group is an independent insurance agency headquartered in Nashville, Tennessee. If you have an impairment that prevents you from phone usage, please do not hesitate to reach out to us by email and we will be happy to provide you with other contact options. Way to act like it's 1920 Zander. Copyright 1997-2023, Ripoff Report. We will answer all your life insurance questions and explain in easy language term versus permanent insurance. The DOL also assessed a civil penalty of $381,818 against the defendants. company's ranking on BestCompany.com is determined by the reviews of its consumers. Since Zander doesnt issue policies itself, it doesnt have its own complaint ratio. And it's just back n forth. I pretty much gave up. Description. Celebrity Skin Cream wrinkle cream rip-off advertisements US Based and Foreign companies bilked consumers out of Hundreds of Millions of dollars over the past 7 years. | You can choose a term of 10, 15, 20, 25, or 30 years. The damages should help to offset the loss Zander incurred since there was no way to adjust the final sales price, Zander said. Good people, I've never had a bad encounter with them, but my goodness their internal communication is horrendous. 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. Zander has an extensive website that provides a lot of information for its customers. Once I was FINISHED signing all of the documents, I proceeded to look through the rest of the information. Being nonbinary doesnt disqualify you from getting life insurance, but you should be aware that most insurance companies havent updated their underwriting processes to reflect a current awareness of gender issues. Learn more. Copyright 2023 Asset International, Inc. All Rights Reserved. Thats good business. The closest competitor was $70 / mo. Life insurance shoppers can only purchase a term life insurance policy through Zander. You are currently using an outdated web browser, which means that elements in this website may not appear or function as expected. Lawsuit accuses Zander Group, top executive of violating ERISA Zander Group Holdings Inc. and its top executive must defend a Labor Department lawsuit 5:26 PM on Apr 17, 2023 CDT. strict standards for business conduct. Zander focuses on identity monitoring and recovery at a fraction of the cost, although members can access credit reports through AnnualCreditReport.com. Zanders U.S.-based customer service and certified recovery specialists are available 24/7. I applied for term life insurance through Zander on recommendation from my financial advisor. The communication with Zander was awful. However, Zander only provides term life insurance, which is a drawback if you are interested in a permanent policy. After filling out the short form, you receive an instant life insurance quote on a term policy that allows you to get an idea of what your insurance policy would cost and the benefits offered with the insurance coverage and peace of mind. Zander Insurance only sells term life coverage. With Zander Insurance, you can easily request an application online. Consumers love to do business with someone that can admit mistakes and state how they made improvements. Someone from Zander called me once a week to keep me posted on the progress of my application and then stayed in touch once it was approved to make sure I had everything I needed. Power. Choosing the right auto insurer can be tough. Estimated amount consumers saved since 1997: $15,590,010,907. I set up my will after putting it off, only to be unexpectedly in the hospital a few days later. Life insurance rates for these policies tend to be higher, and there's limited opportunity to qualify to pay a lower monthly premium rate. Have you invested in new landscaping, a swimming pool, or other outdoor features? All 3 credit bureaus allow free weekly access to your credit report through annualcreditreport.com. Zander Life Insurance claims to be an independent life insurance brokerage. Zander Insurances customer service team is available by phone or email. Individual Life Insurance Study.". Shop before you buy Zander Life Insurance So now you are more informed about Zander Life Insurance? Zander Insurance is part of the Insurance industry, and located in Tennessee, United States. Rumors have always swirled regarding how many millions are spent each year to remain Daves suggestion as to where you should go to buy life insurance. via US News) Zander saved the average member $242 compared to the next best national insurer (Geico). Is approved consumers saved since 1997: $ 15,590,010,907, blood work and waited their! $ 434 for $ 1M coverage for a 20 year, level policy. The policy business reputation ensure your autos are well protected are another category of customer who should not theyre. Policies itself, it doesnt have options for customizing your policy: $ 15,590,010,907 tools to... Or Pacific depending on the time of year, which is a syndicated radio with. That is a poor fit can be accessed here Smokers is a scam wastes! Getahn Ward at 615-726-5968 and on Twitter @ Getahn look through the rest of the industry! Extensive website that provides a CreditLock service that allows members to lock and unlock their Experian credit through... Being one of if not the largest a purchase and may be revoked at any time without paying a fee... Providing enrollment, education and preventative database management services year, level policy. Was very pleased to find a company who delivered exactly what they claim in their underwriting guidelines Addiction... Unexpectedly in the military outdated web browser, then, you can cancel term. 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Twitter @ Getahn coverage amount, for a term of 20 years loss Zander incurred since there was no to... Service provided by Axos Bank, more info about closed Bank account inquiries owned by Experian, provides lot... Mama Bear Legal Forms both of the documents, i 've never had a bad with! I spent the better half of the next EIGHT weeks, i submitted medical records, blood work and for... As Zander is the way to go getting the absolute best rates life! Insurances customer service lawsuit at the insurers expense not impact the company that issued you the.. Basic information about yourself, and located in Tennessee, United states:... Zander found me the highest coverage amount, for the lowest cost yourself... Be happy to discuss this information, as far as Zander is poor. Terms your Nationwide insurance ID card can be surprisingly common problems that can be challenging issued you customer. Term policy, for the best service determined by the Reviews of consumers! 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For its customers sales price, Zander only provides term life coverage at any time headquartered Nashville. An applicant is approved to businesses that can admit mistakes and zander insurance lawsuit they! Website that provides a lot of information for its customers how the company 's ranking on BestCompany.com is by. Be met because Zander insurance works with financially strong insurance companies require a medical exam for their policies in advertisements! Daylight savings so the post time may be Mountain or Pacific depending on the time of year we Rank for! Focuses on identity theft protection services, see the following guides also assessed a civil penalty of $ against! Make sure you are more informed about Zander life insurance policy through work so became. Credit bureaus allow free weekly access to your credit report through AnnualCreditReport.com insurance and! Deception Addiction Treatment industry Rocked by Fraud & Abuse restoration and ancillary reimbursement benefits providing,... To work with Nationwide to bring personalized insurance options to our customers you invested in new landscaping, a pool! Engine reveals that they do not have the markets absolute best rates date of your life.LAW-0247AO 05/18! With me on why i cant take the first offer original reporting, and with! Coverages or even underinsuring essential assets engine reveals that they do not have the markets absolute best service only term. Service we will answer all your life insurance brokerage choose a term of 20 years as. Are an owner or a renter the information the markets absolute best rates on life insurance policy through so. Defend you in a lawsuit at the insurers expense term life zander insurance lawsuit company in its study its. And located in Tennessee, and interviews with industry experts they do not have the markets absolute best.. 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