Co-Founder, Coastal Financial Partners Group, California
There is no "best" company. Life insurance professionals will work with you to find the right company and product for your specific needs.
There are hundreds of fine companies that carry high ratings for claims-paying ability and financial strength. Even when insurers run into trouble, regulators and the industry steps in to ensure policy holders are not harmed. This history of trust is unparalleled. It has often been noted that there has not been a failure to pay even one dollar of death benefit in the long history of the industry.
There are many contributing factors in the discovery process to determine what life insurance company is best for any one potential insured. Is the planning goal indemnification, income or inheritance? Is the period of coverage temporary or permanent? What is the medical underwriting of the insured and what is their smoking status or secession? Gathering this type of data can presort the life insurance companies that will be best suited for the potential insured and the recommendation from an insurance professional should be the final three based on this filtering methodology.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Who offers the best life insurance? Well actually there is no best single company. There are many companies who have excellent financial ratings which is great for the consumer as there are many companies in competition for your business. The best will be the one that offers you the best price for your coverage needs while maintaining high financial ratings.
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There are hundreds of fine companies that carry high ratings for claims-paying ability and financial strength. Even when insurers run into trouble, regulators and the industry steps in to ensure policy holders are not harmed. This history of trust is unparalleled. It has often been noted that there has not been a failure to pay even one dollar of death benefit in the long history of the industry.