Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
There are many quality life insurance companies in the U.S. The top carriers generally have product and underwriting niches, so it's difficult to cite one carriers as better than the other. Additionally, these carriers have differing financial ratings, balance sheets and alliances with other companies which all contribute to their value to the consumer.
Several companies have good life insurance. To find out who has the best life insurance for you, you should consult an agent who can show you products from several carriers so you can compare those products and determine which one is best for you.
Good life insurance has not only a good price, but is from a highly rated company and has good guarantees. It can be very difficult to find that on your own because each company has its own set of criteria, and paired with your age and health, it can take sifting through hundreds of options to find your best one. Contact a website that offers many life insurance choices and let them do it for and with you.
Insurance Adviser - Broker, SC Insurance Services, Oahu, Hawaii
Who has "good" life insurance is a smarter question than most people will ask! Of course what qualifies as "good" is relative. If a person is uninsurable by most provider's standards and they are able to find a company that will insure them - that probably would qualify as "good" insurance!
Over all, for most people I would answer that the best insurance companies are the Mutual companies that pay dividends to their policy holders. Financial information is public information so it can be verified by simple research. There are independent rating companies such as Moody's, Standard & Poor, Fitch, AM Best and Comdex. They rate insurance companies on their financial strength, their history of paying claims, length of time in business, etc. New York Life is one of the oldest, financially strongest and with an unmatched track record of paying dividends. It also receives the highest ratings from all the rating companies. Their permanent life products are very competitively priced and pay higher cash values than most.
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Over all, for most people I would answer that the best insurance companies are the Mutual companies that pay dividends to their policy holders. Financial information is public information so it can be verified by simple research. There are independent rating companies such as Moody's, Standard & Poor, Fitch, AM Best and Comdex. They rate insurance companies on their financial strength, their history of paying claims, length of time in business, etc. New York Life is one of the oldest, financially strongest and with an unmatched track record of paying dividends. It also receives the highest ratings from all the rating companies. Their permanent life products are very competitively priced and pay higher cash values than most.