Best Life Insurance Companies
Nobody likes to think about their own mortality and when you have decades to go before you can even think about retirement, let alone preparing for the end of you life, it can seem like a pointless worry, but taking steps to ensure the financial stability of your family now and in the future is something that is better done now than later. We never know what tomorrow may bring. If your life were to end right now, what would it mean for your family? Would they be able to continue paying bills or would they face the prospect of losing their home? Would your spouse and your children be able to continue with the lifestyle they have been accustomed to? Will there be enough cash to take care of your funeral services?Planning for the day your are gone is something you don't want to put off until it is too late. Every day you wait to purchase life insurance you risk higher rates, a lower payout, and the chance that you could be gone with no policy in place.
Experts suggest that you have at least enough life insurance to cover your existing debt, but many people choose to go beyond this to ensure the financial stability of their families. To help you get started with securing a life insurance policy for yourself or your loved ones, below is a list of the top 10 best life insurance companies providing coverage to consumers in the United States. Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.
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+1I totally agree that Primerica delivers it's promise paying a fair claim if one should arise, help family with their overall teachings, and provide financial services that's available. One may need to pay close attention to what one is purchasing. Our experience is different. I love the company and do have 2 policies actually with the company, one policy happens to be a 20 yr term and the other a 30 yr term. My 20 yr term is a 20 yr guaranteed level premium, meaning that I will pay the same monthly payments for 20 yrs. That is awesome right, especially with a A+ Company, who wants to complain about that, not me especially. Let's take a look at my 30 yr Term Policy. The 30 yr Policy is called a 30 yr level term life insurance policy, but did you see. It's missing the word "GUARANTEED". The policy only guarantees the premium for their policy for 20 yrs, meaning that the monthly payments that you are paying now will only be guaranteed to stay the same for 20 yrs. After that, the company "Primerica" can change the rate according to their guaranteed chart assuming their mortality has change drastically. Heads up for many who plan to keep their 25,30, 35 yr term policies. Although Primerica claims that they have never change any rates for more than 30 yrs, it's irrelevant that the company will not in the future. Some of Primerica's term policies are not guaranteed for the entire term as described. Please read your policies or ask your representatives. Do not worry if you have a 20 yr term or lower if it's from Primerica. IT'S GUARANTEED.
+19Primerica comes with no hidden agenda. My family was educated on how life insurance really works. We were not just sold another life policy like the one we had before. Claims are paid the fastest in the industry and you have constant contact with your life insurance rep. Not some person in a customers call center who will tell you they will have your rep give you a call. With Primerica I learned how to TRUELY protect my estate where the other company would have left my estate in Probate court and my family would have lost most everything. Thank you Primerica!
+1I was blown away when my Primerica representative sat down with my wife & I. We are both college graduates and felt like we were on the right track, after educating us in different areas we realized that we were not only on the right track but going the opposite direction. He gave us a plan to get COMPLETELY out of debt in 8years & 3 months including our mortgage, we'll be multi-millionaires at retirement and he was able to triple our face amount on our life insurance for the same money we were spending on our State Farm policy. Needless to say we are HAPPY clients and gave our representative 73 referrals.
2New York Life
+2Quick policy loans turnaround. Not to mention it's knowledgeable staffs and agents to help you better understand your policy. Most definitely a company you keep. It's been around for a long time, and for sure it will most definitely be around when it's time to pass. I know that New York Life will definitely take care of it's promise to my beneficiaries when I pass.
+4The best Company in America. From poor to rich people. Good family protection and the only Company that pays death benefit faster than any others. That means loyalty to his customers. I love New York Life. The best.
+4Best company, does the right thing, unlike most insurance companies, great value in the policies, pays claims the quickest, best in financial strength, most reliable when most needed.
3Prudential
+2Competitive rates, Excellent products, quick claims
Always Listenting And Always Understanding. Easy to claim, Understand about Customer
4State Farm
I have to say that State Farm agents are the most professional insurance representatives that I've ever dealt with. They are so knowledgeable on auto, home, life insurance even with retirement. I gotta say that it is a peace of mind to be able to count on just one person to handle your insurance and financial needs. They will come to your house if you preffer and will educate you like no other agent would. They also like to meet with you every year to make sure your policies are up to date and to you give you a little refresh.
6ING
7Lincoln Benefit Life (Allstate)
This company gives attention to your clients and all assistance to I can sleep very well
8MassMutual Financial Group
Because it is owned by policy holders, costs are lower, and profits/services are better
It's mutual company owed by its own policy holders. Great product lines - from basic protection products to complicated investment options. Great leadership.
9Liberty Direct
10Colonial Penn
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The Contenders
11American Family Insurance
Visit American Family Insurance Website
12Allianz Insurance
Visit Allianz Insurance Website
13Principal
Visit Principal Website
14United Home Life / United Farm Family
Visit United Home Life / United Farm Family Website
Running a close second to Foresters, but narrowly. Both Foresters and UHL both exceed any of your top 10 companies in benefits and premiums.
15Generali
Visit Generali Website
16Transamerica
Visit Transamerica Website
17Foresters
Visit Foresters Website
You do not want to do business with this company. Check this out. What will your rates be in twenty years. There is much better life insurance for you out there.
The absolute best life insurance in America. The Canadians got something right!
18Farmers Insurance Group
Visit Farmers Insurance Group Website
19Northwestern Mutual
Visit Northwestern Mutual Website
20Fidelity and Guaranty Life
Visit Fidelity and Guaranty Life Website
21Western & Southern Life
Visit Western & Southern Life Website
