At TermLife2Go, we’ve got your back. We believe in saving you time, energy, and money while you’re looking for life insurance. We’ve done a lot of the legwork for you, so you can easily research and compare some of the top life insurance companies in the United States. Best life insurance companies.
Because we’re independent insurance agents, our goal truly is to find the best life insurance policies for you from the top life insurance companies—not push you into the wrong plan. The last thing we want to do is offer you unobtainable life insurance quotes or life insurance policies that aren’t right for your needs. If you have special requirements, if you’re looking for whole, universal, or term insurance, or you’d rather skip a medical exam, we’ve got options for you!
Your life insurance plan shouldn’t be one-size-fits-all, and you need someone in your corner to easily compare providers. We work with dozens of top-rated life insurance companies. The list of companies we focus on can change at any given time, depending on which companies are currently offering the best policies and pricing. That means we compare multiple life insurance providers for you, so you can get the best life insurance company recommended just for you, based on your specific needs.
Our #1 priority is to look at the best life insurance companies and find a life insurance plan that meets your needs at the best price! That means we tailor our life policies specifically to you, because no two clients are alike. Let us leverage our expertise for you and see if we can save you thousands of dollars on life insurance while getting you the best insurance coverage possible.
Choosing the Best Life Insurance Company in 2018
Another year has gone by and we have seen some major shifts in the life insurance marketplace. For example, certain insurance providers, such as Genworth Financial and MetLife no longer offer individual life insurance plans. However, you’ll still find plenty of options to choose from, ranging from AIG, Assurity, Banner, MetLife, Mutual of Omaha, and more.
With the shifts in the last year, TermLife2Go remains committed to providing access to the best life insurance companies and policies in the U.S.A. so you can find life insurance coverage that meets your unique need, health and lifestyle.
At TermLife2Go, we are independent agents, rather than captive agents. What this means is we are free to choose from among the top carriers, instead of being captive to only ONE company. Many of the larger agencies out there only represent a handful of companies. However, we have access to dozens of top companies, with a pool of more companies to draw from if necessary.
Having many life insurance companies companies to choose from allows us to offer the right company to our clients, instead of the company that offers us a “sweet” deal. It is this independence that allows us to best serve our clients, saving you time and money when you’re looking for the right life insurance policy.
A lot of online ads from life insurance insurance companies will make claims such as,
What they are not telling you is the comparison is with an inferior product from an inferior company. Because of the tough competition among the top insurance companies, life insurance rates among the best companies and policies are very competitive.
Be aware that just because a company offers 70% off of your life insurance, that doesn’t necessarily mean the discount applies to you. You see, in order to actually receive that quote you must qualify for it. And this is the key. Carriers give out different health rate categories depending on a clients health and lifestyle.
Finding the Unique Niche for Each Client
Blood pressure, cholesterol, history of cancer, overweight, dangerous hobbies, foreign travel, etc… Each of these conditions can make or break your life insurance application. Our job, as agents for our clients, is to align each client with the company that we believe best fits the unique need of each unique person we serve.
No two companies and no two clients are the same. There is no one size fits all company. Instead, there are many different companies all vying for your business. The key is to choose the one that will give you the best shot at getting the best life insurance policy.
Types of Life Insurance Coverage
Apart from getting acquainted with the best life insurers, you need to also be familiar with the different types of life insurance policies .There are two main types: term life and permanent life insurance.
Term life is pure insurance policy , with no cash value, and you’ll find it’s initially the most affordable life insurance available. There is a lump sum death benefit, paid to your beneficiary income tax free. You can choose various term insurance lengths, starting with annual renewable term (1 year), 5 year, 10, 15, 20, 25 and 30. Once the term expires, the term insurance policy can be renewed annually, but be forewarned that your cost of insurance will go up every year. Alternatively, some companies lower the death benefit rather than raise the premiums. You can also convert your policy to permanent life insurance coverage before the term policy expires or before a certain age, typically age 70.
A permanent life insurance policy lasts your entire life. It is also known as cash value life insurance. The policy builds cash value, that you can access with life insurance loans or withdrawals. Cash value life insurance pays a tax free lump sum death benefit to your beneficiary. Life insurance loans are income tax free and the cash value growth is tax deferred.There are many different kinds of permanent life insurance policies and different types of life insurance coverage.
Although term life and permanent life insurance policies are the two main ones you need to know, you might have also heard a few specific types of insurance policies and coverage. With a whole life insurance policy, you lock-in a consistent premium over time. Universal life insurance coverage is unique because it allows the policyholder to decide how much money to put towards a death benefit and how much to put towards the policy’s cash value (under specific guidelines). A survivorship life insurance policy allows you to set up life insurance so that more than one person is covered. No medical exam insurance is available to individuals who do not wish to undergo a medical exam as part of the process for obtaining life insurance. Final expense insurance or burial insurance can be set up by individuals between the ages of 50 and 85 who would like to cover the cost of burial and funeral expenses.
Determining Financial Strength
The primary credit rating agencies are A.M. Best, Standard and Poor’s, Fitch Ratings and Moody’s. Of these, A.M. Best Company is widely considered the premier ratings agency for life insurance companies. A.M. Best credit ratings offered include:
We typically recommend A.M. Best Companies rated excellent (A to A-) and above. Occasionally, we will recommend life insurance companies with good ratings (B+ to B++), which A.M. Best believes have a good ability to meet ongoing insurance obligations. We try and list the rating of each company but if you are unsure please feel free to ask us.
What Life Insurance Company is Best for Me?
There are two main types of companies, mutual and stock. Mutual insurance companies are owned by the policyholder and stock companies are owned by the stock holders. Neither of these types of companies is better than the other, per se.
However, for particular products, such as dividend paying whole life insurance , a mutual company will often be the better choice primarily because the of annual dividends returned to policy holders.
What Policy is Best for Me?
When you’re trying to decide which life insurance company to apply with, it is important to understand what SHOULD be happening during your initial life insurance interview. Nearly every term life vs whole life insurance application will share many of the same questions.
Help determine if you’ll qualify for the life insurance being applied for,
Determine what price you’ll end up paying for your life insurance, and
Help determine which life insurance company will be the right one for you!
The below top ten best life insurance companies list is comprised of the carriers that we most frequently recommend to our clients along with a brief synopsis on each company’s strengths and weaknesses.
Now, we would like to state for the record that this list is a “fluid” one. Fluid because, on any given day, any one of the dozen of different carriers that we represent may change one of its underwriting guidelines. That’s why it is important to choose a life insurance agency with agents that focus exclusively on placing term, universal and whole life insurance, instead of other types of insurance, such as health and auto, typically offered by captive agents.
Now on to our top 10 companies that we currently favor as the best life insurance in 2018, starting with…
1. AIG – A.M. Best Rating: A (as of May 2017)
AIG’s life insurance brand is American General Life Insurance Company (AGLA). AGLA is the right choice for many because the company is the “jack of all trades” in the insurance industry. This is demonstrated by the Company’s flexible (i.e. loose) underwriting, competitive pricing which is usually well below the industry average, and they have exceptional customer service.
Great carrier for higher risk applicants, such as those looking for diabetic life insurance.
You can tailor your term to a specific length from 15-30 years, such as 16, 17, 18, 19, etc.
Excellent living benefit riders, including an accelerated death benefit rider free of charge.
An ADB rider works like this: If you are diagnosed terminally ill, you can receive a portion of your death benefit while you are still alive, which can be used to help pay bills, hospice, or whatever else you need it for.
AIG offers some of the lowest rates on Guaranteed Universal Life insurance (GUL) to age 121. This is a fixed premium policy that becomes fully vested at age 121. If you die before age 121 it pays out the full face amount. If you live beyond age 121 then you can cash the policy in for the full face amount. This is a great option for business succession planning such as funding a buy-sell agreement with life insurance .
You can also add a child life insurance rider to your policy which covers all your kids at one set premium rate.
Annual quotes are based on a male at a preferred plus rate as of February 2017. Rates are for informational purposes only, are subject to change and must be qualified for.
2. ASSURITY – A.M. Best Rating: A (affirmed Feb 2017)
Assurity Life Insurance Company is a mutual insurance company, which means the company’s main priority is to its policyholders—not shareholders. This is a big deal, especially if you are considering the company’s participating whole life insurance. The company’s three main products include:
No medical exam required but you must answer some questions and pass MIB, pharmacy and MVR checks.
Face amounts: $50,000-$350,000.
Face amounts: $350,001 and up.
Ages 66-74 start at $100,001 and up.
Optional 20 and 30 year Return of Premium Benefits Rider.
This is a fully underwritten whole life insurance policy with level fixed premiums throughout the life of the policy.
As with any whole life insurance, the policy builds cash value and will last the rest of your life as long as premiums are paid.
Available ages are from 0-85 years old in face amounts starting at $10,000 on up.
3. Banner Life – A.M. Best rating: A+ (as of August 2016)
What would a top 10 list of the best life insurance companies in the United States be without Banner? Owned by parent company Legal and General, Banner Life is Legal and General’s flagship life insurance company in America and one of our favorite carriers to write, not only because of their A+ financial stability rating, but also because of their exceptional service and price.
Great carrier for higher risk applicants especially type 2 diabetics and type 1 diabetics.
Banner Life policies are renewable and convertible to the age 95 (most competitors only allow policies to be renewed to age 90).
Banner Life offers an accelerated death benefit rider free of charge.
20 year term life quotes are based on a male with a Table B or Table 2 rate class as of February 2017. Rates are for informational purposes only and are subject to change.
4. MetLife – A.M. Best Company Rating: A (as of October 7, 2016)
MetLife is the largest life insurance company in North America for actual in force business. The Company also boasts a stellar reputation due to the company’s financial strength and great customer service. When the company is competitive for price, they’re usually a great fit.
Brighthouse offers a diverse product line, including:
simplified issue life insurance coverage
guaranteed acceptance whole life insurance coverage
level term life insurance coverage
universal life insurance coverage
whole life insurance coverage
MetLife choice for active military personnel.
MetLife must also be considered for any type 1 diabetics.
Life insurance policy
5. Mutual of Omaha – A.M. Best Rating: A+ (as of December 2016)
One of the best niches is the Company’s Fit Underwriting Credit Program which benefits clients who normally would be rated below standard. Good life insurance policies usually have some sort of healthy credits program, and MOO is no exception. The Company offers 14 lifestyle and health credits. If a client possesses characteristics identified as three or more of the credits then the client will be eligible for a better rate class, up to two table ratings.
Simplified issue, Term life, Universal life, and Whole life insurance products are available. One of the most popular policies is the company’s Living Promise Whole Life.
Living Promise Whole Life: Ages 45-85 (80 for Graded Life Insurance Plan). Available face amounts $2,000-$40,000, where applicable. Graded and non Graded life insurance plans available in most states. Face amounts for Graded Benefit $2,000-$20,000.
6. North American Company – A.M. Best Rating: A+ (as of July 2017)
North American Company is quickly rising in fame, offering some of the top rated best life insurance in 2017. And don’t let the name fool you, just because the name North American Company for Life and Health Insurance doesn’t roll off your tongue doesn’t mean you shouldn’t consider them when deciding who you want to apply for coverage with.
As a privately owned insurance carrier, North American Company has consistently demonstrated that, through sound investments in secure and stable assets, it can maintain the highest rating in financial strength and stability.
Great pricing for specific age brackets.
Solid product line offering some of the best life insurance policies, including:
Exceptional Customer Service
7. Protective Life – A.M. Best Rating: A+ (as of June 2016)
No top 10 life insurance companies in the United States list is complete if it does not include Protective Life. You just gotta love a company whose motto is: “Do the Right Thing, Serve People, Build Trust and Simplify Everything.”And they’ve been doing it that way since 1907.
Now throw in that they are nearly always around the lowest priced term life insurance carrier in the industry and it is difficult to think of a situation when Protective shouldn’t at least be considered as the best choice.
Guaranteed Universal Life Insurance experts. The company offers GUL in the form of 10, 15, 20 or 30 year term options. Once the policy term expires the coverage continues at the same price with a decreasing face amount.
Highly competitive pricing. Typically one of the most affordable—if not the most affordable option available.
Income Provider Rider: optional rider that further decreases the life insurance premium because it pays out the death benefit over a period of time rather than lump sum. This is great for parents who do not want their children to receive a lump sum, but would rather spread it out up to 30 years.
Sample Protective Life Insurance Quotes
Monthly rates are based on a 20 year term for a male at a preferred plus health class as of February 2017. Rates must be qualified for and are subject to change.
Prudential, Pruco, or, “the Rock”, is one of those fantastic companies that everyone’s heard of, everyone knows, and everyone feels comfortable working with.
We particularly like Pruco Life Insurance Company because they have made the financial decision to dominate certain “niches” within the life insurance industry. The Company accomplishes this by offering the lowest pricing in certain lifestyle and health areas and also by separating themselves from the herd through the adoption of unique underwriting guidelines specifically for:
Prudential will use an applicants true age or actual age in determining premiums rather that rounding up or down based on which birthday is closer to the date of application. This is a common practice within the life insurance industry known as “insurance age” vs “actual age” where most companies will date you one year older if you are six months past your last birthday.
9. SBLI – A.M. Best Rating: A (as of November 2016)
The self proclaimed “No Nonsense Life Insurance Company”, SBLI, in our experience, is just that. Known throughout the industry as being one of the more customer-centric life insurance carriers out there, SBLI seems to have used its smaller size to allow it to provide great customer service, and the lowest life insurance rates in many categories, particularly for those willing to pay on an annual basis.
Guaranteed Level Premium Term offers insurance without an invasive in-home visit
up to $500,000 term life available
available for those between the ages of 18-60
10, 15, 20, 25 and 30 year term rate guarantee periods
Fast and convenient application process
Price — particularly when premiums are paid annually.
SBLI also offers a annual renewable term (ART) product for those who are looking for a shorter term such as those seeking to cover an SBA loan with life insurance.
10. Transamerica – A.M. Best rating: A+ (as of May 2017)
Bookmarking the end of our top ten life insurance companies list is Transamerica. Famous for its trademark Pyramid, Transamerica life insurance is definitely a top “go to” company, especially for older clients.
The company’s term life insurance coverage comes in three flavors: no medical exam term life with a face amount limit of $249,999; term life with return of premium, and fully underwritten term life insurance policy with terms of 10, 15, 20, 25, and 30 years.
Transamerica also offers whole and universal life insurance.
The Best Life Insurance Companies
Top 10 Best Life Insurance Companies in the U.S.
We represent dozens of the top life insurance companies and we’re constantly reviewing companies based on pricing and underwriting criteria so that we’re sure to stay on top of any changes within the industry.
Today’s top ten life list is not necessarily going to be the same down the road. Which is why it is important for you to choose a life insurance agency that is not bound to any company and whose main purpose is to find you and your family the coverage you deserve—an agency such as TermLife2Go.
Best Life Insurance Companies by Underwriting Niches
If you are looking for the most affordable life insurance coverage available it is important that you align yourself with the insurance provider that best suits your specific lifestyle or health need. Certain companies cater to specific health issues, such as diabetes or sleep apnea. And some companies are more favorably inclined to pilots, scuba divers, or other potentially hazardous activities. The good news is we stay on top of the trends in the industry so we can align you with the company that will be most favorable to your specific health or lifestyle.
The two life insurers that currently offer the best life insurance for diabetics out there right now are American General (AIG) and Banner Life (Legal and General). Both of these carriers made our top 10 list due to their great underwriting, which is often more liberal than other top life insurers. And both of these insurance carriers work well with applicants who have either type I or II diabetes.
Once again, Banner Life Insurance Company comes in as one of the top life insurance companies for smokers and tobacco users. If you smoke and need insurance coverage, Banner is a great choice, although Fidelity Life, North American, Assurity, Sagicor Life Insurance Company and Transamerica may also be competitive options at times, particularly if you are considering something other than a term insurance policy.
For example, if a 30 year old male qualifying for a preferred tobacco rate class wanted the most affordable life insurance coverage for smokers, he would want to choose Assurity. A $250,000 10 year term policy at a preferred tobacco rate with Assurity is $27.41 a month, a 10% monthly premium savings over Banner Life.
So here is something interesting, certain amounts of cigar use is permitted with certain carriers. If you smoke an occasional cigar, Pruco Life Insurance Company is one of the best life insurance companies to go with. However, other carriers may beat Pruco out on price at times, so it is important to check the alternatives.
Interested in more underwriting niches? You can check out our complete list of pre-existing conditions here or simply give us a call and let us direct you to the right company for you based on your specific health and lifestyle.
Which Policy Should I Choose?
Term Life Insurance
Term policy lengths vary but you can find life insurance terms from 1 year, such as annual renewable term, all the way up to 35 year return of premium life insurance.
Most term life insurance policies offer a conversion option, that allows the owner to convert all or a portion of the face amount into permanent coverage with no proof of insurability. This is a huge benefit if you need to keep the policy due to changes in your life, or if your health changes and you would otherwise be uninsurable.
Permanent Life Insurance
There are two main types of permanent life insurance: whole life and universal life.
Whole Life Insurance
Whole life insurance policies last your entire life. You can choose from several different life insurance plans and you can configure your policy to focus on either the death benefit or the cash value accumulation.
10 pay whole life insurance coverage
20 pay whole life insurance coverage
The advantage of limited pay life insurance coverage is once you fulfill your limited pay requirement period you have paid up life insurance for life. Further, if you have whole life with a participating policy that pays annual dividends, then your cash value and death benefit CONTINUES to grow.
Guaranteed cash value growth
Guaranteed death benefit protection
Guaranteed level premiums
In addition, dividend paying whole life insurance coverage offers a return of premium paid annual to participating policyholders. Dividends can be used for:
Purchasing paid up additional life insurance
Earning interest with the carrier
Paid up additions is the most popular option chosen for dividends. With paid up additions, you purchase additional paid up life insurance. This allows your cash account to grow and your death benefit. That way your death benefit is at its maximum when that inevitable day arrives and you maximize your estate—and your legacy!
Universal Life Insurance
Universal life insurance comes in three different plans: Guaranteed, Indexed and Variable
Guaranteed Universal Life
Guaranteed universal life (GUL) offers flexible, lower premiums than other permanent policies. The primary focus for GUL on permanent death benefit coverage with limited cash value growth.
Indexed Universal Life
Indexed universal life insurance (IUL) offers similar premium flexibility but offers higher cash value growth than GUL. The policies cash account is indexed to the market, either the S&P 500, NASDAQ, etc…, and the policy offers a guaranteed floor and has a maximum cap, somewhere around 12-14%. The main advantage is your policy earns a guaranteed positive return, even if the market is down. However, your gains are limited by the cap, so the policy does not participate in huge stock market gains above the cap.
Variable Universal Life
Variable Universal Life (VUL) provides similar flexible premiums but with the highest cash value accumulation opportunity due to the cash account being directly invested into the market. As a result, VUL has the opportunity for high returns, but also the opportunity for huge losses, all tied to the performance of the stock market.
With so many amazing options from so many fantastic life insurance policies it is hard to say what policy type is best for you. But don’t worry, our team of life insurance coverage professionals are standing by waiting to help you with any questions you have and point you to the best company offering the best policy and plan specifically designed for your needs, goals and objectives.
Top 10 Highest Rated Life Insurance Companies
The following list is organized by the Comdex ranking of the top rated life insurance companies that offer life insurance coverage to individuals. The Comdex ranking is a composite that takes the insurance ratings of the different companies and ranks the companies based on financial strength in comparison to the company’s peers. For 2018, the highest rated life insurance company was Northwestern Mutual.
Top 10 Largest Life Insurance Companies
If you are looking for the largest life insurance company in terms of who writes the most individual life insurance, the king of the hill for 2016 was:
And at any given time, one of the carriers in the following table of top 20 life insurance companies may move into our Top Ten Life Insurance Companies list.
Top 20 Life Insurance Companies
Conclusion
We realize this is a lot of information to digest. Here’s the main takeaway: you should choose an insurance agency that works with top-rated, best life insurance companies and policies in the U.S. You need an agency that can help align you with the insurer that will give you the highest likelihood of receiving the lowest rates. And it’s a plus when you can search multiple providers and have them compared for you—all online. So, the key is to find an agency, such as TermLife2Go, that can help you accomplish your goal of getting a top-of-the-line policy, with a top carrier, for the best price, with your unique needs in mind.
About TermLife 2 Go
Our #1 priority is to find you the best company and plan at the best price…for you! That means we tailor a policy specifically to you, because no two clients are alike. TermLife 2 Go works with dozens of the top rated companies, let us leverage our expertise for you and see if we can’t save you thousands of dollars on life insurance coverage.
So what are you waiting for? Give us a chance to earn your business. Please call us today for a free consultation and experience the Termlife 2 Go difference!
If you enjoyed our article, Top 10 Best Life Insurance Companies in the United States, and/or have any questions, please leave a comment below. We would love to hear from you!
I am looking for life insurance for my 35yold son who is a smoker. We just buried his twin brother last Friday 5/11/18. He was not a smoker.
We’re sorry for your loss. Give us a call at: 888-234-8376 and we can help you find the best life insurance policy for your son.
An agent will be reaching out to you via email shortly. You can also always call us at: 888-234-8376.
I’m 60 and in fairly good health, nonsmoker, no diseases, active, I’m looking for term life insurance, $250,000 10-15 year, and do you have to have health insurance to have a life insurance policy? Thankx im in missouri,
One of our agents can assist you. We’ll have a few more questions in order to find the right life insurance policy. Give us a call 888-234-8376.
also my mom has fibromyalgia and she just turned 65 in October.
Do you know of any ins company that cover individuals with cirrhosis due to alcohol?
Newly married…I’m 44 he’s 54. I would like to take term life out on both of us..would like premiums to stay the same…just need advice and help. Thanks!
We’d love to help you guys out, just give us a call when you have a chance and we’ll review all of your options.
Hi am a 47 year healthy women and my husband is a 67 year healthy man I am looking for a life insurance policy for a policy to bury me and leave for my children and a policy to bury my husband? I would love to speak with someone with great knowledge on this matter who could steer me in the right direction
We’ll have an agent reach out to you shortly.
Best life insurance for me and my husband. I’m 42 and he’s 49. Good health, non smoker.
We’ll have an agent reach out to you shortly so that they can gather some additional information that we’ll need before we can determine which life insurance company will be the “best” for you.
I need a quote for 30 year term life Ins 150.000
We’d love to help, we just need to know a little bit more about you before we can start (age, height and weight, etc…).
So, when you have a chance, just give us a call!
Many thanks firmyiur article and deep insights. I am more interested in the mutual companies that offer whole life participating insurance. However I am very interested in the cash value part more than the death benefit. Which insurance companies offer the best options by allowing me to load paid up additions to build my cash value faster? I am not talking about using dividends to purchase PUA but rather having a paid up addictions rider in addition to my premium. Many thanks
We definitely have some good options when it comes to a participating whole life policy with PUA or Additional Life Insurance riders to help build high cash value rather than death benefit.
We will send over an email to you shortly with some more information.
Looking for Life insurance for my daugther and my self
Sounds good, we’ll have an agent reach out to you via email or you can simply give us a call when you have a chance.
I am a 28 year old in search of life insurance. I recently was approached by a friend who introduced me to a company called Primerica.
Here is our complete review of Primerica:
Our recommendation would be to give them a call, see what they can do for you then give us a call.
At the end of the day, only you can decide which life insurance company is going to be the “best” for you!
That said however, we feel you’ll be very pleased after you’ve had an opportunity to review all of your options.
Im 48yrs old and my husband is 61 yrs, both of us healthy and Im looking for Life insurance to help my 4 boys when we died. but I want somebody who explain my options in spanish. Im thinking a Life Ins between $250,000 o $500,000 thanks
We do have agents here who speak Spanish. We will have one of them reach out to you today via email.
I am 63 andhave a policy with Protective life to cover a home equity loan if I pass before it is paid off. My domestic partner is on the loan but did not get coverage to protect me. What company is best for me to get a policy on him.
I want whole life insurance with rates that stay the same. Also interested in insurance on my daughter.
What is the best option for me. With a high rated company.
It sounds like you’ll have plenty of options to choose from we would just need to know some additional facts such as how much coverage you’re looking for? And what state you live in? Among other things, before we could make any responsible suggestions.
For this reason, why don’t you just give us a call when you have a chance and we’ll be happy to help you out.
I am 64 years old and in good health. I live next to The Village in Potomac and own real estate in the neighborhood. By profession, I am an attorney. I used to carry about five million in life policies. From 08 to 13, I was incarcerated. In Jan, 17, my parole ended. I have also been through multiple bankruptcies. Can you sell me a life policy? Mac Mir
Please be on the lookout for an email from one of our agents. They’ll probably have a few more questions for you before we can determine if we will have a good “fit” for you.
I am looking for insurance that will last until I pass but one that will pay out (for example after I take out the policy and go to the doctor and they say I have cancer of some sort, the insurance company would pay in advance instead of waiting until my death)
We do represent companies that offer these types of benefits, the key is knowing which ones you will be able to qualify for.
For this reason, we would recommend that you just give us a call when you have a chance and we’ll review these options with you.
Is there a waiting period or it starts the first day of payment.
It would depend on which life insurance policy you are asking about. Why don’t you just give us a call and we can review all of your options with you.
Looking for something that if I out live the 10 or so years I can use for myself and still leave some behind for the kids
Our recommendation would be to give us a call so that we can see what types of life insurance policies you’ll be eligible for.
Im a 44 yr old male, non smoker, non drinker, with slightly high blood pressure. im looking for term ins. for the amount of 250,000. Would like to try 10 yr ONLY IF the rates would stay the same upon are my best options
Just give us a call when you have a chance so that we can learn a little bit more about what you may be able to qualify for.
Also, if you’re just “shopping” rates right now, we would encourage you to also look at 15 year term rates as well, since they will sometimes be priced very similarly to 10 year rates (if not actually better).
What are your thoughts on buying life insurance from out of country (UK) firms. Thinking more about the claims process. How can I research on a company’s claim process
This is the first time we’ve ever been asked this question so honestly we’re probably not the best folks to answer it…
That being said however, we would think that if you live in the United States, it’s probably better to purchase life insurance from a company in the United States. Additionally, you MIGHT NOT be able to purchase life insurance from another country.
We know that its difficult for foreign nationals to purchase life insurance here in the US, so we would imagine that it might also be difficult for US nations to purchase life insurance from a company abroad (but who knows, we’re not sure about that one).
Your best bet, which we advise all of our clients is to do, is check out all of your options before you decide on applying for coverage this way you’ll be sure you made the right decision for you and your family.
Is globe whole life insurance good?
While we don’t actually sell or offer Globe Life Insurance products, we have found them to be a good company.
We’ve even written an article saying so:
That being said however, our recommendation to you would be to first see what Globe Life Insurance Company has to offer, then compare them to some of the companies that we work with.
All of life insurance
At the end of the day, only you will be able to decide if Globe Life Insurance is right for you, we would just love the opportunity to see if we can do better!
My mother passed on Jan 3 2017 is there a way to check insurance companies to see if she had life insurance policies
Hello. My husband and I are having a hard time choosing the right insurance for us. We are both 51 years old.Friends that sell insurance are a bit agressive and we have become overwhelmed. Help! He has HBP/smoker and I have diabetes/non-smoker. Also want to make sure our daughter (18) is okay if something happens to us. Thank you in advance.
I am 53, a Navy veteran and single mother of 4 (29, 26, 17, 13), and grandmother of 2 (7 and 4). As part of my 2017 resolution I am looking into buying more life insurance. Although I want to leave something to take care of all my children, 2 of them have autism (high-functioning Aspergers) and I want to make sure that they are provided for but between term, whole and level term life insurance I don’t even know where to start. I also want to invest in protection in case something happens to any of them. HELP!!!!!!!!
Please be on the look out for a reply email from us. Also, feel free to call in as we are ready and available to help you in any way we can.
I want to buy life insurance before i turn 65.
I want a strong reputable co.
I have a down syndrome daughter who i want to protect.
I do not want to pay more than $200. Per month.
We would be happy to help you out, we’ll just need to learn a little bit more about you and how much coverage you’re looking for before we could get into any specifics.
For this reason, why don’t you just give us a call when you have an opportunity and we’ll do our best to meet your needs.
I want to get my mother some life
Insurance be cause when my dad
Passed away I had to pay.this time
I want to be able to pay for it and
Steel live my life. I don’t know enenything about life insurance
Sounds like you have plenty of reasons for looking into purchasing life insurance for you mother, so why don’t you just give us a call and we’ll be sure to do our best to help you out and answer any questions you may have.
I’m looking for life insurance for me and my husband. I got turned down for a policy with “XYZ” and my husband was approved and he’s got high blood pressure also. I’m needing one that’s willing to put both of us on the same company. Humans beings can’t control our health care. We have no disease at all. We are on a few medications. Can you please help us? Thanks
When you get a chance, give us a call so that we can try to determine why you’ve been declined coverage and then based on that, try to determine which company would be best for both you and your husband.
What would be best term life premium quotes for me? 53 years female, good health heart problem, not a diabetic, no cancer, i am healthy. I need a term life 30 years, with a rider of waiver of premium and will be paid when disability strikes…. I just turned 53 last Sept 2016..
Any would make any recommendations?
We would need to gather some additional information before we would be able to provide you with an accurate quote
– How much coverage do you want?
– What is our current height and weight?
For this reason, why don’t you just give us a call when you have a chance and we’ll do our best to meet your needs.
Please help, trying to find right policy for my husband who is 65 an has heart problems, need policy that doesn’t reguire big payments but has a decent payout amount. Thank you
We’d love to help you out, but we’re certainly going to need to learn more about your husbands situation before we can make any type of recommendations.
Why don’t you just give us a call when you have a chance and we’ll do our very best to serve you.
I need to get insurance for my 87 year old aunt. She’s in good health.
Unfortunately we simply don’t have any life insurance companies that we represent that will write new life insurance policies for those over 85 years of age. You may want to try “Googling” life insurance over the age of 85 and see if their are any other insurance companies that may be able to assist you.
do you offer term life insurance for someone who is age 33 a convicted felon and currently on parole?
We have yet to find an insurance company that is willing to offer term life insurance coverage to someone that is currently on parole.
Now there are some insurance carriers that don’t specifically ask if someone is on parole, but if during underwriting, it is discovered, it has been our experience that the application will be denied.
For this reason, we’ll typically recommend an accidental death insurance policy for someone that is currently on parole and then just have them apply for a traditional term or whole life insurance policy once they are eligible.
For additional information regarding what an accidental death policy is, we recommend that you take a look at the following article:
I am looking for life insurance that offer alot and payments are reasonable as well, i have read over alot of what they have to offer and would like to speak with someone more about my option
That sounds good, just give us a call during are regular business hours.
I have a United Services Life Insurance Company policy from the 1960s and can find no info on this company to see if this is a viable policy. Can anyone there help me?
After doing a quick search it looks like their contact number is 800-424-2300. We would suggest that you give them a call directly to learn more about your policy.
Would you rank Prudential or MetLife as the best life insurance company in the group for marijuana users?
Great question. Be on the lookout for our response via email.
I’m interested in a 500000 policy
Sounds good, just give us a call at and we’ll be more than happy to help.
Who offers the best life insurance for someone dealing with high blood pressure?
It’s really going to depend on several factors, such as: your age, your weight, are you treating your elevated blood pressure, etc… etc…
Your best bet is to just give us a call and we’ll run the numbers for you.
If one were interested in working for your company would one have to be a licensed insurance agent or simply trained by your company to know the differences in the companies represented and their product offerings?
In order to sell life insurance for TermLife2Go, you would first need to be licensed in all 50 states. From there you would also need to be well trained on the nuances of life insurance underwriting practices and how they would apply to dozens of different insurance carriers.
For this reason, we typically find that our best “new hires” have a minimum of 3 years selling life insurance prior to working for us here at TermLife2Go.
Do you have anything to say about Mutual of Omaha? Review?
We currently list Mutual of Omaha as one of our Top 10 No Medical Exam Life Insurance Companies ( https://termlife2go.com/top-10-best-no-medical-exam-term-life-insurance-companies/ ). Within this article you will also see a link to our review of Mutual of Omaha, spoiler alert!!!…. We really like them!
I am faced with a life changing decision. My mother took out a life insurance policy 30 years ago. she has paid over 50,000 dollars into the policy. The cost of the policy is over $536,00 a month. She is a retired teacher, and can not afford to keep paying this amount. She has tried to get the insurance company to change the policy so she wont lose her investment.. Please let me know what can she do to not lose all she has put into the policy The company is Lincoln National Life Insurance Company in Greensboro, NC. PLEASE HELP I DONT KNOW WHAT TO DO! we need to keep the policy to help with cost after death.
Without knowing the exact specifics of your mothers insurance policy, it would be impossible for us to responsibly comment on what your mother can and should do regarding her policy. That being said, we would recommend that you give Lincoln National a call again, and ask them specifically what they would recommend that your mother do. After you have their advice in hand, then give us a call and we’ll see if we provide a better solution to your problem.
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