eFinancial Life Insurance: most-reported complaints
Automated analysis of 279 public Trustpilot reviews published 2017-10-04 to 2026-08-20. TrustScore 4.7 from 1,374 total reviews — see the Trustpilot page. Quick answer: is eFinancial Life Insurance legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report that support is unhelpful, with 29 reports accounting for 34% of identified complaints. Other frequent issues include difficulty reaching support, cited in 16 reports (19%), and general concerns categorized as 'other,' mentioned in 17 reports (20%). Misleading pricing was also noted in 14 reports, representing 16% of complaints. Trends indicate that reports of unhelpful support have remained flat, while issues regarding 'other' concerns and unreachable support have been falling, and misleading pricing reports have been rising.
How to reach eFinancial Life Insurance
These are the contact details eFinancial Life Insurance publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 866.765.4296, email [email protected], address 1621 114th Avenue SE Suite 118, Bellevue, 98004, US.
The company claimed its Trustpilot profile on 2017-09-05, uses Trustpilot’s paid features, and last replied to a negative review on 2026-07-30. Trustpilot ranks it 13 of 24 in Life Insurance Agency. We last checked this profile on 2026-09-24 and found 0 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Elsewhere: 2.9★ on Google (126 reviews) — a 1.8-star gap between its Trustpilot and Google scores.
TrustScore over time
4.7 → 4.7 across 5 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-20 (38%, 13.7d) · 2026-08-27 (38%, 13.7d) · 2026-09-03 (50%, 13.7d) · 2026-09-08 (50%, 13.7d).
Severity: 26% of this company’s 85 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 2.9 days between the experience and publishing their negative review (43 reviews record both dates).
What their policy promises
refund window: at policy expiration
“if your policy expires while you’re still alive”
refund window: full term
“Your policy also needs to stay active for the full term to receive this benefit.”
refund window: before rider expires
“if you lapse your coverage before the return of premium rider expires, you may get less than the maximum benefit.”
refund window: end of policy term
“At the end of your policy term, you receive back all the payments you put in from the insurance company”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-17.
Policy-page monitoring
We monitor this company’s published policy page for changes. No changes have been detected since we started watching on 2026-09-01.
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Measured reply time: across 70 negative reviews that received a public reply, the median wait was 2.9 days — the company profile reports an average of 14 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 70 company replies to negative reviews analysed, 49% engaged with the specific problem and 50% were generic templates.
Review provenance: 96 company-invited reviews in the recent window average 4.63★, while 108 organic (uninvited) reviews average 4.74★.
66% of its 177 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unhelpful makes up 34% of this company’s complaints vs a 28% median across 148 ranked companies in its sector.
Review velocity: 108 of this company’s 1,374 Trustpilot reviews (8%) were written in the last 12 months.
What are the most common complaints about eFinancial Life Insurance?
Support unhelpful
29 reports · 34% of complaintssteady“eFinancial is classic "bait and switch" only they just bait you and then disappear”
The company replied on 2025-04-22: “Hello- We have requested more information to look into this case, since you have not provided the additional information, I am not able to look into this matter. Please email me directly.…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“why didn't they explain certain things before my purchase”
1 reader marked this review helpful on Trustpilot.
“All they do is to find excuses and to tell you something untrue”
The company replied on 2025-02-05: “Thank you for bringing this to our attention, I will look into this. If you have any additional questions please reach out, [email protected]”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Other
17 reports · 20% of complaintsfalling“It took ur company a long time to get back to me if I had insurance or not , so I had NO !”
The company replied on 2023-02-02: “Joseph, Thank you for bringing this to our attention. Someone will be reaching out to you within a few days. Best, Meghan”
Our classifier read this reply as a template response.
“I’m still waiting for the policy number and information from John McDonald, since the onset.”
The company replied on 2026-05-19: “We take all customer concerns seriously and encourage you to contact our Customer Service team at 800-482-6616 so we can assist you further.”
Our classifier read this reply as a template response.
“Not one thing I was told by Brent Forster was the truth”
Support unreachable
16 reports · 19% of complaintsfalling“she never replied or called back”
The company replied on 2025-06-13: “Please provide the requested information so I am able to look into this for you. Thank you”
Our classifier read this reply as a template response.
“Rep won't call me back. I've left voicemails. THEY CHARGED ME!”
The company replied on 2024-03-22: “Victoria, We did receive your message on the BBB as well, You did speak with one of our representatives and we are looking into this case. If you have any questions you can reach out to me directly.…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
“Have not heard back from them. Had the physical over a month ago and have not heard anything.”
The company replied on 2024-01-15: “Carmine, Thank you for providing additional information, someone will be reaching out to you this week. Thanks!”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Misleading pricing
14 reports · 16% of complaintsrising since 2024-01“eFinancial is classic "bait and switch" only they just bait you and then disappear”
The company replied on 2025-04-22: “Hello- We have requested more information to look into this case, since you have not provided the additional information, I am not able to look into this matter. Please email me directly.…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“they sell you one price, and then when the policy goes to underwriting, the price more than quadruple.”
“she never replied or called back”
The company replied on 2025-06-13: “Please provide the requested information so I am able to look into this for you. Thank you”
Our classifier read this reply as a template response.
Billing errors
9 reports · 11% of complaintsrising since 2024-01“Never received my policy!! Been requesting for 2 months now. But you keep up with the payments!!!”
“Rep won't call me back. I've left voicemails. THEY CHARGED ME!”
The company replied on 2024-03-22: “Victoria, We did receive your message on the BBB as well, You did speak with one of our representatives and we are looking into this case. If you have any questions you can reach out to me directly.…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
“Have not heard back from them. Had the physical over a month ago and have not heard anything.”
The company replied on 2024-01-15: “Carmine, Thank you for providing additional information, someone will be reaching out to you this week. Thanks!”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Account/app problems
5 reports · 6% of complaintssteady“They did not tell me my wife was not added to this account”
The company replied on 2020-03-01: “Hi Ronald, We are so sorry for your loss. I've asked one of my colleagues to reach out to better understand your situation. Laura”
Our classifier read this reply as a template response.
“Still waiting after weeks for that second page to show up in my mailbox.”
“I can't seem to access my policy”
Compare eFinancial Life Insurance with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-07.