Determining who offers the best life insurance is not always a black and white answer.
While you can get quotes from all of the top rated life insurance companies, you may never know if you're choosing the best policy for your specific situation.
At Good Financial Cents, we pride ourselves in connecting people with the insurance company that best meets their specific needs.
What are the top 10 best life insurance companies of 2017?
The purchase of life insurance can be one of the biggest decisions you ever make. Having this important coverage, and getting the right type of life insurance, can ensure that those you love and care about the most will be able to move forward financially – even in the event of unexpected and emotional circumstances.
Not having to drastically change their lifestyle or go into deep financial debt is one of the best gifts you can give your family in the event of your death.
As a result, choosing the right amount of coverage and the best life insurance company for your needs is essential.
With so much on the line, you don’t want to buy an insufficient amount of coverage, or purchase a type of coverage that isn’t ideal for your family.
Deciding on the Best Life Insurance Company for Your Coverage
Today, there are literally hundreds of insurance companies to choose from – and each may have its own unique blend of products and services. So, how can you best narrow down which of these are the very best companies for your specific coverage needs and goals?
Without being directly involved in the insurance industry on a regular basis, it can be difficult to determine which insurers are sound, and which should be avoided. The good news is that we work with numerous insurers, and we've done a great deal of the research for you. This can save you a considerable amount of time and frustration as you sort through your life insurance options – so you can get back to enjoying life.
Our Top Picks For Best Life Insurance
There is an exhausting number of companies active in the market, but from our experience there are ten that seem to stand out in terms of product offerings, customer service, and overall financial strength and stability.
The best life insurance companies usually offer a wide array of products and exceptional customer service, and have flawless reputations built on years of experience and positive results.
Although the best company and policy will vary from person to person, we have poured through some of the details for you and have come up with a list of our top picks. These companies, while diverse in their offerings and history, offer some of the most affordable, helpful and best life insurance products on the market. Among all the competition, here are the companies that stand out:
Best For: Quick Coverage
Haven Life has upended the traditional process of acquiring term life insurance by getting rid of the medical examination for people who qualify.
Haven Life is solely focused on term life insurance products and does not offer any permanent life insurance coverage. They are a subsidiary of Mass Mutual and have received the highest financial ratings offered by A.M. Best and other insurance company ratings agencies.
If you are looking to get term life insurance with the least hassle and faster than any other company can offer, then Haven Life is going to be your top company.
Best For: High Risk
One of the top insurers includes Banner Life Insurance. This company is a leader in the area of both products offered, as well as its stellar customer service. The company has been operating since 1949, and it currently holds approximately $415 billion in premiums in force.
Although Banner Life offers predominantly term and universal life products, the unique features that are inclusive within these offerings make this a company to pay attention to. For example, with Banner Life Insurance Company's term policy, individuals can apply up to age 95. This is a far cry from most other insurers that make the cut off age 65 or 75.
Banner Life possesses high ratings from the various agencies, including an A+ from A.M. Best, an AA- from Standard & Poor’s, and an A from Fitch Ratings. The company also has an A+ rating from the Better Business Bureau. Get more information on the history and offerings with our review of Banner Life Insurance Company.
Best For: Company Size
AIG is great at rating people who are borderline for pushing into a different rate class, due to their weight.
Here is a real life example of a 37 year old male who weight 215 lbs and is six feet tall. With Banner he was rated as a preferred policy, but AIG rated him as preferred plus saving him $3,312 over the life of the policy he chose.
|$1,000,000 Policy||20 Year Term||30 Year Term|
|Total Policy Savings||$3,312.00||$7,293.60|
AIG, or American International Group, is generally considered the world’s largest insurance organization. The company has more than 90 million clients in more than 100 countries, many of whom hold life insurance policies with the oganization. The firm has been in operation for more than 95 years, beginning its operation in 1919.
This insurer offers a wide variety of insurance products to choose from, including term, whole, universal, index universal, and variable universal life insurance. AIG's term policies typically range in length from 10 to 30 years, and frequently increase in 5-year increments.
AIG is very strong when it comes to financial stability and claims paying reputation, having been granted high marks from the ratings agencies. AIG Life and Retirement, the division responsible for the company’s life insurance policies, has obtained an A+ from Standard & Poor’s, an A2 from Moody’s, an A+ from Fitch, and an A from A.M. Best. Get a better understanding with our review of AIG and their history.
Best For: Chewing Tobacco Users
Prudential is the top company for people who use chewing tobacco. This is because they do not rate chewing tobacco users for smokers rates.
Here is a real life example of a 37 year old male who is six feet tall. He saved a HUGE amount of money by being placed with the best life insurance company for his needs.
|$1,000,000 Policy||20 Year Term||30 Year Term|
|Total Policy Savings||$26,628.00||$78,872.40|
Another of the long-standing top life insurance companies is Prudential. This large insurer and financial company has been in operation for almost 140 years, and has helped both individual and business clients to grow and prosper financially. The firm has customers worldwide. At present, Prudential has approximately $1.160 trillion in assets under management.
The company offers a number of different policy options to choose from, including both term and permanent coverage. Permanent coverage from Prudential includes universal, indexed universal, variable universal, and survivorship universal life insurance.
Prudential possesses very high ratings from the life insurer ratings agencies, obtaining an A+ from A.M. Best, an AA- from Standard & Poor's, an A1 from Moody's, and an A+ rating from Fitch Ratings. Get a better understanding the company and their products with our Prudential review.
MetLife is considered to be one of the leading global providers of life insurance and annuities. The company holds a leading market position in both the United States, as well as across the globe. This firm also has a long history, beginning its operations more than 140 years ago.
The company provides a number of different policy options, including term, whole life, universal, variable, and survivorship plans. MetLife also offers a simplified issue term life insurance option whereby there is no medical exam required for underwriting. This can be a good option for those who have health related issues, or who fear needles and wish not to undergo a blood test for underwriting purposes. MetLife has very positive ratings from the ratings agencies, including an A+ from A.M. Best, an AA- from Fitch, an Aa3 from Moody's Investors Service, and a AA- from Standard & Poor's. Learn more about Met Life and their services in our MetLife Review.
Formerly known as ING, Voya Financial is a very strong insurance and financial contender in today's industry. The company is made up of premier insurance, investment, and retirement companies, and it serves roughly 13 million individual and business customers in the United States. Voya provides a wide array of coverage, including term life, universal life, indexed universal life, variable universal life, and survivorship policies.
The company currently has approximately $519 billion in total assets under management, and it is considered to be one of the top five retirement plan providers based on the number of plans, participants, and assets. Voya is also considered to be a top tier provider, according to LIMRA's second quarter 2014 Final Premium Reporting.
Voya Insurance and Annuity Company has received very high marks from the insurance company ratings agencies. These consist of an A from A.M. Best, an A- from Fitch, an A3 from Moody's, and an A- from Standard & Poor's. Learn more about their history and financial stability in our Voya review.
Mutual of Omaha
Mutual of Omaha has been serving customers in the life insurance arena for more than a century. Not to be outdone by the others on this list, it too provides a wide variety of products to choose from, including term, whole life, universal life, and accidental death.
The company provides easy to follow steps on its website to help consumers determine how much coverage they may need, as well as how long they may expect to live. There are also calculators to help in determining how long life insurance proceeds may last. Mutual has earned it best life insurance company status from the ratings agencies due to its financial strength and claims paying history. Learn more about the company in our review of Mutual of Omaha.
Genworth is yet another of the financial giants that can be relied upon for coverage if or when it may be needed. The company has been in operation since 1871, and at present it possesses more than $100 billion in assets. Genworth has a presence in more than 25 countries worldwide.
The firm's life insurance product selection includes term life, whole, guarantee universal, and index universal life plans. Term policies can range between 10 and 30 years in length. Due to its past stellar claims paying ability and tremendous financial strength, Genworth has earned top ratings from the ratings agencies, including an A from A.M. Best. However, in more recent times, Genworth has had some policy rate increases, and is currently under review by some of the ratings agencies. Learn more in our review of Genworth Financial.
New York Life Insurance Company
New York Life Insurance company began its operation almost 170 years ago. Since that time, the insurer has built up its assets under management to more than $425 billion. It serves policy holders in both the United States and around the world. The policies that are offered by New York Life includes term, whole life, universal life and variable life.
New York Life Insurance is extremely strong financially, obtaining an A++ from A.M. Best, an AA+ from Standard & Poor's, a AAA from Fitch, and a Aaa from Moody's Investor Services. Get a more detailed review of New York Life Insurance Company.
Transamerica will issue 30 year term polices up to age 58. Most companies will not issue a 30 year term policy on a person seeking life insurance who is over 50.
Transamerica began its operation more than 111 years ago, and today it has grown substantially into a financial and insurance powerhouse. It's life insurance company boasts an A+ rating from A.M. Best, an A1 from Moody's, an AA- from Fitch, and a AA- from Standard & Poor's. Get free quotes by using the form on this page or learn more with our Transamerica review.
Honorable Mention – Lincoln Financial Group
Lincoln Financial Group has a more than 100 year history of serving its customers. The firm provides numerous coverage options, including term, universal, and variable universal life insurance coverage. The company also has a combination life / long-term care option whereby a policy holder can use a universal policy as an alternative to purchasing a stand-alone long-term care insurance policy.
The Lincoln Life and Annuity Company possesses very high ratings from the insurance company rating agencies. These include an A+ from A.M. Best, a AA- from Standard & Poor's, an A1 from Moody's, and an A+ from Fitch. See our detailed review of Lincoln Financial Group.
Best Life Insurance Companies Honorable Mentions
The companies here didn't make our top list for various reasons, but they do deserve to be mentioned because they represent some of the strongest names in the industry. The truth is, any insurance company with good financial ratings and customer service has the potential to offer ‘the best' life insurance policy for a particular individual – because ‘the best' depends heavily on each person's circumstances. Each link will take you to a comprehensive review of the individual company.
More from GFC, Below
- 5 Star – Part of the Armed Forces Benefit Association, which has been around since 1947.
- AAA – Over 100 years of business experience and a long history of good customer service.
- AARP – Works with New York Life to provide coverage to seniors.
- Accordia – Very young but great financial backing
- Accuquote – Over the past twenty years, Accuquote has placed approximately $100 billion of life insurance coverage in force and has had nearly 200,000 customers purchase coverage from the site.
- Aetna – Aetna has a ton of different types of insurance and life insurance is a major part of their company.
- Aflac – most famous for their duck mascot, Aflac is a highly respected carrier with great ratings from the BBB.
- Allianz – Allianz is a leading provider of life insurance, as well as income-producing products and overall retirement solutions.
- Allstate – The good hands people are one of the most well known and trusted insurers in the country.
- American General – Part of the AIG group and one of the largest insurers in the USA.
- American Income – Over 50 years of experience and a great financial record.
- American National – Top provider of no medical exam policies.
- Americo – Well known for burial and final expense policies, but also have competitive rates on other life insurance products.
- Amica – Based on the company's financial strength and claims paying ability, Amica Mutual Group has received a rating of A+ (Superior) from A.M. Best Company.
- Assurity – Assurity has been in the business of offering coverage and protection to its policyholders for well over 100 years.
- AXA Equitable – Very competitive at underwriting in specific age brackets and great with a few health conditions.
- Baltimore Life – The Baltimore Life Insurance Company offers a long list of personal life insurance options to choose for individuals and families.
- Bankers Life – Commonly referred to as simply BLIC – it was initially founded in 1976 – and, while it may not be one of the older insurance carriers in the U.S., it has proven itself to be a viable player in the life insurance and annuity arena.
- Cincinnati Life – The Cincinnati Life Insurance Company has been providing wealth enhancement and protection products to its customers ever since 1950 when four independent insurance agents got together to form the company.
- Colonial Life – Based on its strong financial foundation, along with its timely payments of policy holder claims, Colonial Life Insurance Company has received high ratings from the insurer rating agencies.
- Columbus Life – One of the first insurance companies to have a website and very competitive on technology.
- Conseco.com – Today the company serves more than 4 million customers, who are primarily considered to be in “middle income working America.”
- EquiTrust – All the life insurance plans offered through EquiTrust are permanent, meaning there is death benefit protection and a cash value/savings component.
- Erie Life – Erie Insurance Company has been in the business of offering coverage protection to its customers for nearly 100 years.
- Fidelity Life – Fidelity Life has been in the business of offering protection to its customers and their loved ones since 1896.
- Foresters Financial – A non-profit with more than 135 years in the life insurance market.
- Forethought – Only 30 years old, but moving up in the ranks of reliable life insurance companies
- Gerber – Great at offering affordable guaranteed issue policies
- Globe – Offers the best small simplified issue policies.
- Guardian – A Fortune 250 Global Financial Services Company. They offer a ton of different financial services along with life insurance.
- John Hancock – One of the better known and more solid companies in the United States.
- Minnesota Life – Awesome at rating people who have recently stopped smoking.
- National Western – Over 60 years of experience and top financial ratings.
- North American – Privately owned and expertly managed when it comes to its investments.
- NorthWestern Mutual – One of the largest life insurance companies in the world.
- Phoenix – Phoenix Life Insurance Company has more than a century and a half in the business of providing coverage to its customers.
- Principal Financial Group – One of the few that will offer a no exam policy up to $1 million.
- Protective – Great for term life insurance policies.
- Sagicor – Offers great no exam term policies and guaranteed issue universal life.
- SBLI – Great for annual premium prices and variety of lengths of term life insurance.
- State Farm – If you already have homeowners/renters and auto insurance with them they offer great bundling of policies.
- Symetra – Get's top ratings from all the bureaus and has a clean record from the BBB.
- USAA – USAA is the top company for those with military service or a family member who has served in the military.
- United Home – along with it's parent company United Farm Family life, this company has a strong financial reputation.
- Vantis – Been around over 80 years and very reliable at paying out
- Veterans Group – If you have an existing condition then you will do very well with this company.
How to Determine a Company’s Strength
In order to determine how strong an insurer is financially, you’ll want to do some basic research and view each provider’s insurance “report card.” If you’re wondering what an insurance report card is, it is jargon used to describe the ratings that are assigned to an insurer by the insurance ratings agencies. While there are five major insurance ratings agencies, each insurer must be rated by at least one of these entities.
As you conduct your research, you should know that the ratings agencies to check with include A.M. Best, Standard & Poor’s, Moody’s, Fitch Ratings, and TheStreet.com. While each of these agencies ranks insurers using their own set of criteria, they all use a letter grading system that is similar to a report card grading system.
Rankings are based upon an insurance company’s overall financial strength, as well as its history of claims paying ability to its policy holders. In many ways, this data can be indicative of an insurer’s future ability to pay claims going forward. In most cases, it is best for consumers who are considering the purchase of an insurance policy to stick with insurance companies that are rated with a grade of A or better.
After all, you want to purchase the best life insurance you can find with a company that will be solvent ten, twenty, or even thirty years from now. The best way to identify companies with a solid future is to investigate their past and compare their ratings to other companies that offer similar products.
Best Life Insurance Companies by Category
One of the most important factors in finding the best life insurance policy for your needs is getting matched up with a company that will treat your specific case the most favorably. Beside working with an independent agent, here are the companies that tend to treat a specific category more favorably.
Banner Life AND Prudential (Pruco). Banner Life tops our list of the best life insurance companies for smokers. But not far behind Banner is Prudential.
Banner Life is an excellent company to purchase term life insurance through in general. They are usually among the least expensive on premiums, and often THE least expensive. And writing policies for smokers seems to be their niche.
Banner has been around since 1949, and is a part of Legal & General Group Plc, a UK-based financial services company. Banner is also the parent company of its often better-known subsidiary, William Penn Life Insurance of New York. The company has more than $5.7 billion in assets and over $587 billion of life insurance in force.
Banner offers you both preferred tobacco and standard tobacco ratings on their policies. So while you will pay a higher life insurance premium as a smoker than a non-smoker will, you’ll still pay less for a policy with Banner than just about any other top 10 life insurance companies.
- A.M. Best: A+ (Superior)
- Moody’s: N/A
- Fitch: N/A
- Standard & Poor’s: AA- (Very Strong)
American General. Part of the AIG family, American General gets our vote at the top of the list of diabetic friendly carriers. But also on the list is Banner Life.
American General has been in business since 1850 and serves more than 12 million customers in the US, and more than 88 million worldwide. Based in Houston, the company also includes United States Life Insurance Company in New York City.
In general, American General is one of the very best insurance companies for high-risk applicants. But they are especially strong in underwriting policies for those who have type 2 diabetes.
The company offers term policies of the longer term nature, running as long as 30 years. They also offer an accelerated death benefit rider that enables you to receive at least some of your insurance proceeds while you are still alive, and if you are diagnosed with a terminal illness. This can help to provide you with important living benefits that will help you to pay at least some of your medical bills and other expenses.
Like many of the top life insurance companies that offer more liberal underwriting guidelines with certain high-risk applicants, American General is tougher if your profile involves other risks. This is particularly true with certain non-health related risks. According to Insurance4Diabetics.com, American General can be a difficult company to work with if you have a recent bankruptcy or DUI/DWI episode. They are also tough on anyone with a felony charge, particularly if the charge is related to either sexual assault or drugs.
Overall, however, American General offers competitive pricing, flexible underwriting, and a well-deserved reputation for excellent customer service.
- A.M. Best: A (Excellent)
- Moody’s: A2 (Good)
- Fitch: A+ (Strong)
- Standard & Poor’s: A+ (Strong)
For Cancer Survivors:
Prudential (Pruco). Prudential takes the top spot on our list for the best life carriers for cancer survivors.
Prudential is one of the best-known of all insurance companies, and that’s for good reason. The company works to be a top performer in different market niches, the kind that other insurance companies prefer to avoid. Prudential not only tends to be more liberal in underwriting policies for cancer survivors, but also for people with diabetes and DUI histories. This makes sense because there are tens of millions of people in the US who have one of those situations in their histories.
As you would expect, premiums will be higher for cancer survivors than they will be for people who have not experienced the disease, even with a policy issued by Prudential. The type of cancer, as well as how long it is been in remission are also factors. But if you are a cancer survivor, looking to get best life insurance premiums possible, Prudential is the place to start your search.
- A.M. Best: A+ (Superior)
- Moody’s: A1 (Good)
- Fitch: A+ (Strong)
- Standard & Poor’s: AA- (Very Strong)
For Five Year Term Policies:
Minnesota Life. We consider this to be the top life insurance company when it comes to five-year term policies.
Minnesota Life is part of Securian, which was founded in 1880 and is one of the most highly rated insurance companies among the third-party rating services. Securian is the fourth largest direct writer of group life insurance, which may help to explain why the company is so price competitive when it comes to five-year term policies.
Including Minnesota Life, the company provides services for over 15 million people and have over $1 trillion of policies in force.
Minnesota life is one of the few companies that will even write a five-year term policy, or even offer a quote for a price. Consumers can save money with a five-year policy, compared to what they would have to pay out on a ten year policy when they only need five.
This can also be the perfect kind of temporary life insurance to cover a loan with a duration of five years or less, including and especially business loans.
- A.M. Best: A+ (Superior)
- Moody’s: Aa3 (Excellent)
- Fitch: AA- (Very Strong)
- Standard & Poor’s: A+ (Strong)
Genworth. We consider this company to be the top source for policies on people who are overweight or obese – a.k.a., larger build. With 69% of the US adult population classified as overweight, including 35% as obese this is one of the most important specializations.
Genworth is a large, diversified financial services company that writes a lot of policies, but it isn’t exactly well-known among the general public. However, the company has been around since 1871 and now has more than $100 billion in assets and more than $700 billion or premiums in force.
Genworth tends to take a more liberal stance in regard to weight than most other companies do. This is important because weight, often measured by body mass index or BMI, is one of the most important underwriting criteria. Genworth has a history of assigning a “preferred plus” rating to people who are overweight, and “standard risk” to many people who are obese. This is not typical outcome throughout the industry.
A 55-year-old male – 6 feet tall can get a preferred rate weighing as much as 242 pounds. Once the man hits age 65, he can weigh as much as 258 pounds with the same rating. With most other insurance companies, the weight limits would be significantly lower than these in either case.
- A.M. Best: A- (Excellent)
- Moody’s: Baa1 (Adequate)
- Fitch: N/A
- Standard & Poor’s: BBB- (Good)
No Medical Exam Life Insurance:
American National Insurance Company (ANICO). ANICO gets our vote as the top company on the list of the best carriers for no medical exam policies.
Founded in 1905 and based in Galveston, Texas, ANICO provides services for more than 5 million policyholders in all 50 states, including the District of Columbia.
The company offers several of the best life insurance policies with no medical exam, including a term life policy and a whole life policy. This includes the Freedom Term Life Insurance plan, that offers policy amounts up to $250,000 and terms ranging from 10 years to 30 years.
They also offer the ValueGuard Whole Life Insurance plan, with face amounts of up to $150,000.
And if you are looking for a policy that provides a death benefit, and not only has no medical exam requirement – but also doesn’t ask any health questions at all – they have their Legacy Whole Life Insurance plan. This is a guaranteed issue whole life policy that provides coverage for a face amount of up to $25,000. It is available for those between the ages of 50 and 80, and offers a fixed death benefit, with fixed premiums.
One downside to this policy – though it is common for the policy type – is that it has a two year graded death benefit. This means that if you die within the first two years after the policy is issued, you will be entitled to a return of the premiums paid (up to 110%) but not the death benefit itself.
No medical exam policies are an excellent choice if you would prefer to avoid the exam for any reason. But they do cost more in premiums on a per thousand basis than fully underwritten policies do. In addition, they usually have strict limits on the amount of the death benefit. So for example, if you decided you need a policy with a death benefit of $1 million, a no medical exam policy probably will not work for you.
But if you want this kind of policy, ANICO is the best life insurance company to get it through.
- A.M. Best: A (Excellent)
- Moody’s: N/A
- Fitch: N/A
- Standard & Poor’s: A (Strong)
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Types of Life Insurance to Consider
Once you realize the importance of life insurance, your next step is figuring out which type of coverage to buy. Although individual life insurance products can run the gamut, most life insurance policies are offered in one of four ways – either as term life, whole life, universal life, or variable life. Although there are many variables that can occur within each of these insurance “types,” each can be described as follows:
Term Life Insurance
A term life insurance policy works exactly how it sounds; after purchasing coverage, or committing to pay for coverage on a regular basis, you receive life insurance for a certain number of years, or a “term.” Most people buy term life insurance to cover their working years, or any term between ten years or thirty years. It all depends on their needs. Because term life insurance doesn’t include an investment component, it is almost always the most affordable coverage you can buy. One major benefit of term life insurance is that your premium shouldn’t change while your policy is in force. Once you “lock it in,” you can count on those premiums for the duration of your policy.
The ideal customer for term life insurance is:
- Someone who wants to protect their family from financial losses during their working years
- An individual who only needs coverage for a specific length of time (i.e. thirty years)
Who should pass:
- Individuals who want life insurance that will never expire
- People who want to purchase a life insurance policy that will build cash value
Whole life also works similarly to its namesake; after you purchase a plan or commit to funding one, you receive life insurance coverage for your entire lifetime. This coverage, which is commonly referred to as permanent life insurance, adds an investment component as well. Where your plan secures life insurance coverage meant to provide for your family in the event of your death, your plan also builds cash value from investments made by your life insurance company. While your monthly premium usually won’t change with whole life, you can generally borrow against the cash value of your policy with favorable terms.
The ideal customer for whole life insurance is:
- Someone who wants to purchase life insurance coverage that will never expire
- Someone who wants a policy that will build cash value they can borrow against
Who should pass:
- Someone who wants the most affordable premiums money can buy
- Anyone who only needs life insurance for a limited term, or length of time
According to BurialInsurancePlans.org, a whole life policy helps you be the most certain that you will have coverage no matter what. Even if it is a smaller burial policy instead of the full blown large death benefit.
Universal life works similarly to whole life insurance in the fact that it provides permanent life insurance coverage that will never expire. However, it combines this coverage with in an investment component as well. Adding complexity to the way universal life insurance works is the fact that this type of coverage offers flexible premiums – as in, the amount you pay into your policy can fluctuate from year to year. Because of the way the investment component of universal life insurance works, however, your policy may build more cash value some years than others.
The ideal customer for universal life insurance is:
- Anyone who wants flexibility in their premiums and death benefit
- Someone who wants a permanent death benefit that will never expire
Who should pass:
- Someone who wants fixed premiums and a fixed death benefit
- Someone who wants to keep their premiums on the affordable side
Variable life insurance is another form of permanent life insurance that offers an investment component that builds cash value. Because variable life insurance allows you to allocate a portion of your premiums to a separate investment account, this type of life insurance is generally more expensive than other types of coverage. Due to the way these policies are set up, consumers can decide when to pay higher premiums for a higher death benefit within certain limits. Since you can generally choose from a variety of investments within the investment component of your coverage and returns are never guaranteed, variable life insurance is regulated under federal securities laws.
The ideal customer for variable life is:
- Someone who wants to participate in various investment opportunities without being taxed on their earnings
- Anyone who wants the potential for higher returns, but doesn’t mind the risk of losses
Who should pass:
- Individuals who just want life insurance for a fixed length of time, usually ten, twenty, or thirty years
- People who prefer not to take on any risk
Your New Life Insurance Policy: How and Where to Purchase Coverage
If you are ready to buy a policy from one of the best life insurance companies or haven't reviewed your life insurance in a while, we can help. I have partnered with Root Financial, a top independent agent who works with all of the top insurers in the market place today, and can get you all of the information that you need in order to make an informed buying decision.
You can obtain pertinent details on policy features and premium price, as well as compare the plans of various carriers. Best of all, any information you need can be obtained quickly and easily, directly from your computer and without the need to meet with an insurance agent.
Ready to get started? Let us take care of the details. All you need to do is:
- Scan this page to find the form that says “compare quotes.”
- Fill out the form to the best of your ability, adding your personal details along with the type of coverage you’re interested in.
- Include accurate contact information so that an agent can get ahold of you if absolutely necessary.
If you have any additional questions regarding which of the best life insurance companies might be best for your needs, or about how you can obtain life insurance quotes, start by filling out the form on this page. If you need to discuss a specific medical condition with an agent, on the other hand, you will be contacted and receive answers to any of the questions or concerns that you may have.
Purchasing life insurance can seem absolutely overwhelming at times, and that’s especially true when you’re considering different types of coverage with more than one provider. By highlighting the best life insurance companies on the market today, we hope to minimize your research and help you find the best company for your needs.
With your family’s financial security on the line, reading through these crucial details and conducting some research on your own is an excellent use of your time. And if you need help, all you have to do is ask.
Summary Top 10 Best Life Insurance Companies
|Company Name||A.M Best Rating||Fitch Rating|
|Mutual of Omaha||A+||AA-|
|New York Life||A++||AAA|