Which Is The Best Term Life Insurance Company?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    There are many great Term Life Insurance companies and no one best one. You can look at the ratings from AM Best, Standard & Poor's, Moody's, Fitch, and other rating agencies to see how a company rates against other life insurance companies in terms of financial strength, issuer credit, and debt ratings.
    Answered on November 29, 2014
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  2. 4249 POINTS
    Gary Lane
    President, Lane Independent Agency, Southern California
    Yes, there are many great companies, but the choice should be made with some key factors in mind. My personal favorite has been around for 167 years, based in Vermont. It is a mutual company, meaning all profits are returned to the policy holders, lowering the rates. It is National Life Group. Why do I prefer it? Because they offer, at absolutely no extra charge, and have been doing so for many years, LIVING BENEFITS. Their policies will cover you while your are living, not just when you die. They cover such things as chronic care, catastrophic care, terminal care. You can even go overseas to get experimental treatments to save your life. If you cannot work, due to disability, they will also help. You save money by having only one policy and you are reliable coverage from a great company, at a low price. Its best policies are available through their largest brokers, Premier Financial Alliance, PFA. Talk with your local PFA agent. Thank you. GARY LANE.
    Answered on November 30, 2014
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  3. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    The absolute best term life insurance policy is the policy in force when you die at the cheapest premium for your unique situation. All in all term life insurance is a commodity meaning they are all pretty much the same. You die and someone receives a big check. Purchase an A rated carrier who has the best rate for your unique situation. Remember nothing is free, that includes life insurance products.
    Answered on January 9, 2015
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