April, 30 2017

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Life insurance reviews, news and prices from the top companies

Will Taking Pravastatin Affect My Life Insurance Rate?

Will Taking Pravastatin Affect My Life Insurance Rate? The good news for those that taking Pravastatin is that it will not typically affect your life insurance premiums. Cholesterol medications in general are not seen as a prescription that will affect life expectancy; therefore, most of the top life insurance companies will not penalize you for taking a statin such as Pravastatin.  What Do Life Insurance Companies Look For When Underwriting Cholesterol? Nearly all of the major life insurance companies will look at your actual cholesterol readings to determine your rate. Whether you are taking a cholesterol lowering medication or not will not have any bearing on the rating or underwriting. What Are The Guidelines for Cholesterol When Applying for...

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Brighthouse Life Insurance Company Review

Brighthouse Life Insurance Company Review Pros: Brighthouse is an operating segment of MetLife, one of the most well-known and recognizable names in life insurance. Size– Brighthouse is a major life insurance and annuity company with $240 billion total assets and 2.8 million insurance policies and annuity contracts inforce. Cons: Term life insurance coverage starts at $1 million which may be more than some people need. Bottom Line: MetLife, one of the most well-known and recognizable names in life insurance for well over a century has scrapped its MetLife retail brand name and its famous mascot, Snoopy, for a spinoff company known as Brighthouse Financial.  Brighthouse Financial, (life insurance underwritten by Brighthouse Life Insurance Company) is an operating segment of...

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Banner Life Insurance Company Review 2017

Banner Life Insurance Company Review 2017 Pros: Price-Banner Life Insurance Company will often have the best rates in the entire country on term life insurance. In fact, in February 2017, Banner lowered their rates again.  Rating– Banner has an A+ (Superior) financial rating from A.M. Best and a 94 out of 100 Comdex score.   Underwriting– Banner Life has great underwriting in many areas; especially for healthy people, diabetics, people with significant health issues including those with substandard or table rated health history. Company History– Banner is a subsidiary of Legal & General which has been in business since 1836 and is one of the oldest life insurance companies in the world.  Size– Banner Life issued $50 billion in new...

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3 Best Life Insurance Companies for Diabetics 2017

The 3 best life insurance companies for diabetics 2017 offer the best prices, favorable underwriting and are highly rated by A.M. Best. These companies view the risk of insuring a diabetic more favorably than the other life insurance companies in way of offering a better health class and in turn a lower rate. Diabetic underwriting for life insurance has come a long way, especially in the last 10 years. In the past, a well-controlled diabetic was given at best a sub-standard rate but today diabetics can receive a better than average health class which means a much lower premium.  What Factors Do Life Insurance Companies Look For With Diabetes? Hemoglobin A1c– The first thing life insurance companies look for...

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Top Rated Life Insurance Companies 2017

Top Rated Life Insurance Companies 2017 Here is a list of the top rated life insurance companies 2017.  We sorted the list by A.M. Best rating which is the leading life insurance rating agency.  The highest rating that is possible is an A++ Superior financial rating, followed by an A+ Superior financial rating, and then an A Excellent financial rating, below that is an A- Excellent rating. Many financial experts say that when choosing a life insurance company make sure the company has an A Excellent financial rating or better from A.M. Best.  This means the insurer was deemed be financially strong and has an Excellent ability to payout future claims.   A.M. Best Life Insurance Rating Table 2017...

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Life Insurance Ratings 2017

Life Insurance Ratings 2017 Are you looking for the current life insurance ratings 2017? Then you have come to the right place.  With so much information on the web it’s difficult to find a resource that has all of the top life insurance companies with their current financial ratings.  This list below has the ratings from the four main rating agencies; A.M. Best, S&P, Moody’s and Fitch.  We’ve also include the Comdex score.  This is the average of the four ratings. Life Insurance Ratings Comparison Table 2017   Company Name State A.M. Best S&P Moody’s Fitch Comdex Ranking 1 Northwestern Mutual Life Ins WI A++ AA+ Aaa AAA 100 2 New York Life Ins Co NY A++ AA+ Aaa...

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Best Life Insurance Companies in 2017

The best life insurance companies in 2017 offer a combination of the lowest prices in the country, a top financial rating, a long trusted company history and solid reputation that your family can rely on.  These are the companies that we put our clients with because they have been proven to be the best. How to Choose One of Best Life Insurance Companies in 2017 There are many different ways to choose a life insurance company.  The most common way is of course is price, followed by three equally other as important criteria factors; financial rating, how long the company has been in business and how favorable their underwriting is for your profile. Price Financial Rating Company History Underwriting...

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Largest Life Insurance Companies 2016

The largest life insurance companies 2016 have more assets than the other insurance 900 + life insurance companies in America.  There are a few different ways to rank the largest life insurance companies in addition to assets.  Other ways include; total written premium, market capitalization, term sales, universal life sales, whole life sales and annuity sales.  Some of the best life insurance companies in America that didn’t make this but are still some of the largest writers of life insurance include Protective Life, Banner Life, SBLI and Mutual of Omaha.   MetLife-Assets $608 billion- Financial Rating A+ Prudential- $551 billion-Financial Rating A+ John Hancock– (Manulife) $272 billion- Financial Rating A+ TIAA-CREF– $272 billion- Financial Rating A+ AIG– $270 billion-...

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GGT and Life Insurance- What You Need to Know

Has GGT Affected Your Life Insurance Application? A common reason for rate increases and declines in life insurance is due to the GGT liver function test.  Most people have never even heard of GGT before.  This is why it’s comes as such a surprise to many when they are notified of elevated levels from their life insurance exam. What is GGT? GGT stands for Gamma-glutamyltransferase, which is an enzyme that is present in many areas of the body including the kidneys, pancreatic cells and most notably the liver.  Elevations in the GGT blood test can indicate liver problems or other potential health issues. The GGT test is currently the most sensitive indicator of liver damage and disease. What Causes...

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25 Year Level Term Life Insurance- Is it a Good Deal?

Many people don’t realize that there is a 25 year level term life insurance policy available as an option.  This is due to the fact that many companies don’t offer a 25 year level term policy product.  However, there are many top life insurers that do and it can be a great choice for certain applicants. The most common term life insurance lengths offered in America are; 10, 15, 20 and 30 years.  Often in lieu of choosing the 25 year term, many people will choose either the 20 or 30 year level term to meet their specific needs and due the pricing differences. For example, let’s take a look at the sample prices below for a forty year...

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Life Insurance: $1,000,000 vs $500,000 vs $250,000 vs $100,000

Most people want the right amount of life insurance to protect their family but don’t know how much it will cost. Fortunately, life insurance companies offer price band discounts at certain policy amounts. These price brands offer a cost-per-thousand price reduction over other policy amounts. The price bands on life insurance in 2016 are at the following policy amounts: $1,000,000, $500,000, $250,000 and $100,000. While the right amount of life insurance one should carry will be different for each person, these price band numbers above are a good place start. How much does a $1,000,000 (million dollar) life insurance policy cost 2016? Company Name Annual Monthly    A.M. Best Ratings as of   2016 United of Omaha Life Insurance Company...

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Esurance Life Insurance Review

Esurance Life Insurance Review 2016 Pros:  Instant Quotes– The life insurance quote engine on Esurance’s website (which is through a third party agency called Efinancial) offers instant life insurance quotes from several of the nation’s top life insurance companies.  Offers Several Highly Rated Insurers– The quote engine on Esurance’s (Efinancial’s) website shows the prices for about a half a dozen of the top life insurers such as: American General (AIG), Voya, Transamerica, Prudential Life and Fidelity Life. Cons:  Esurance Doesn’t Offer Life Insurance– Unfortunately, for those looking for a life insurance policy with Esurance will be disappointed to learn that Esurance itself doesn’t sell life insurance.  When you request a life insurance quote on the Esurance site you get...

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John Hancock Life Insurance Review 2016

John Hancock Life Insurance Review 2016 Pros:  Financial Strength– John Hancock has an A+ (Superior) financial rating by A.M. Best (second highest of 16 possible ratings).  Stability– John Hancock has been in business for more than 150 years proving their strength and durability.  Size– John Hancock is a top ten insurer when it comes to total market share in life insurance sales. Cons:  Their website is a little confusing, especially if you are looking for information on how or whom to speak to receive a quote.  Also, John Hancock’s rates tend to be higher than other top insurers and their underwriting can be more conservative as well. Bottom Line:  John Hancock, owned by the Canadian insurance company Manulife Financial,...

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The Best Life Insurance Companies for Sleep Apnea

This article will list the best life insurance companies for sleep apnea in 2016, whether you are compliant and using the CPAP nightly or non-compliant and only using the CPAP machine a few nights a month, or not using it at all. To begin, sleep apnea is a big rating factor when it comes to life insurance. The reason why is that if left untreated, sleep apnea can lead to many health issues such as high blood pressure, heart failure, heart attack, stroke, type II diabetes, weight gain, asthma, and even auto accidents from drowsiness. A study published a few years ago showed that those with severe sleep apnea left untreated were three times more likely to have premature...

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Family Plan Life Insurance

A popular request many people have when looking for life insurance in 2016 is for a family plan life insurance policy. A family plan policy would cover everyone in the family; husband, wife and children. While there are many that want a family plan to have everyone insured all on the same policy, the fact is that it’s better to protect the family with separate policies, which can be done with the same company or with different companies. While there are companies that do offer a family plan policy such as Primerica, the rates are typically much less expensive for the husband and wife to have to have separate policies and to add the children on as a child...

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Divorce And Life Insurance 2016

An increasing need for a term life insurance policy in 2016, especially for men is to satisfy a divorce agreement, divorce settlement or divorce decree. This is because in the event of a divorce the court or the attorneys will mandate a life insurance policy be in place to protect the alimony or child support payments in the event of the premature death of the ex-spouse. To secure this requirement many people we talk to are looking for the cheapest term life insurance for a divorce settlement in 2016. Term Life Insurance for Divorce Decree – Settlement In almost all cases the type of life insurance policy that is required by the court for a divorce agreement is term...

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Life Insurance Company Ratings 2016

Life Insurance Company Ratings 2016 Whether you’re in the market for term life insurance, whole life insurance, universal life insurance, no exam life insurance or life insurance for seniors, it’s crucial to know the life insurance company ratings 2016. What are life insurance company ratings and why are they so important? The rating a life insurance company receives is an independent third party evaluation to help determine the ability of the insurance company to meet its financial obligations to the policyholder and be able to pay out future claims. There are four main rating agencies that evaluate life insurance companies; A.M. Best, S&P, Fitch and Moody’s. A.M. Best is the gold standard and the rating that most people use...

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Best No Exam Life Insurance Companies 2016

To make our list of the best no exam life insurance companies 2016 we looked at price, ratings, and approval time. The companies on our list do offer the lowest rates in America on no medical exam term life insurance in 2016. Some of the companies are household names while the others may not be as well-known. However, all of the companies on our list have an excellent financial rating or better from the number one rating agency A.M. Best. Why choose a no exam life insurance policy in 2016? There are two reasons people typically choose a no exam life insurance policy over a fully underwritten policy. First is the exam itself. The life insurance paramed exam is...

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Progressive Life Insurance Review

Progressive Life Insurance Review 2016 Pros:  Instant Quotes– The life insurance quote engine on Progressive’s website (which is through a 3rd party agency called Efinancial) offers instant life insurance quotes from several of the nation’s top life carriers.  Offers Several Highly Rated Insurers– The quote engine on Progressive’s website shows the prices for about a half a dozen of the top life insurers such as: American General (AIG), Voya, Transamerica, Prudential Life and Fidelity Life. Cons:  Progressive Doesn’t Offer Life Insurance– Unfortunately, for those looking for a life insurance policy with Progressive Casualty Insurance Company will be disappointed to learn that Progressive itself doesn’t sell life insurance.  When you request a life insurance quote on the Progressive site you get...

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Best Life Insurance Companies for Diabetics 2016

Best Life Insurance Companies for Diabetics 2016 Until recently, securing an affordable life insurance policy as a diabetic was very difficult to say the least.  Many diabetics would not qualify for life insurance or when they did the premiums would be exorbitant to compensate for increased risk of the condition.  Fortunately in 2016, certain companies have reevaluated their diabetic underwriting guidelines making it much easier and much cheaper for diabetics to secure life insurance. Best Life Insurance Companies for Diabetics 2016 The best life insurance companies for diabetics 2016 offer favorable underwriting guidelines, low premiums and are highly rated by A.M. Best.  These companies have examined the risks associated with diabetes and its impact on life expectancy and have...

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Costco Life Insurance Review

Costco Life Insurance Review 2016 Pros: Pricing– The term life insurance from Costco offered through Protective Life has great rates. Financial Strength– Protective Life Insurance has an A+ Superior rating and has been in business since 1907.   Cons: Not too many cons. However, Protective is only one life insurance company. We recommend comparing rates from multiple companies since each company has their own underwriting guidelines and pricing. Bottom Line: The life insurance product offered for Costco members through Protective Life has great pricing. With term lengths of 10-20 years, great rates and it’s though Protective Life who is one of our top 12 term life insurance companies in 2016, the Costco policy is one worth looking into. However,...

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Top 12 Term Life Insurance Companies in 2016

The Top 12 Term Life Insurance Companies in 2016 have the lowest rates, are highly rated and have great underwriting guidelines to help you get approved at the most favorable health class. The companies that made our list are the ones we trust our clients with to ensure they receive the most amount of life insurance to protect their families with a highly rated company at the best price. Not all term life insurance companies are the same in 2016. Each company underwrites you differently so it’s important to choose the right insurer. Factors such as age, medications being taking or have taken in the past, height & weight, occupation, family history, bankruptcy history, driving history, tobacco use, a criminal...

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Transamerica Life Insurance Company Review 2016

Transamerica Life Insurance Company Review 2016 Pros:  Transamerica is one of the largest life insurance companies in America in 2016.  They’ve have been in business for more than 80 years, have are A+ (Superior) rating by A.M. Best (second highest of 16 possible ratings) and have competitive rates on term and universal life insurance.  Transamerica also has some of the best rates, underwriting and product availability for seniors. Cons:  There aren’t too many cons with Transamerica. Bottom Line:  Transamerica is one of top 10 largest life insurance companies in America.  Transamerica is A+ superior rated and has great rates on term and universal life insurance.  Transamerica also has some of the best rates for seniors and offer longer terms...

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New York Life Insurance Review 2016

New York Life Insurance Review 2016 Pros:  Financial Strength– New York Life (NY Life Insurance) has the best financial rating in the country in 2016 with A++ Superior rating by A.M. Best (highest of 16 possible ratings) and a perfect 100 Comdex score (average rating from the 4 major rating agencies). There are only a few other life insurance companies in America that have a perfect financial rating (Northwestern Mutual, Knights of Columbus and Berkshire Hathaway).  New York Life has been financially strong throughout it’s history as evident they accept need bail out money during the financial crisis in 2008-2009.  History and Size– New York Life is one of the largest mutual life insurance companies in the country and...

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Voya Life Insurance Review 2016

Voya Life Insurance Review 2016 Pros:  Voya Financial and it’s domestic life insurance company ReliaStar Life Insurance Company is one of the largest life insurance companies in America and top writer of term life in 2016.  Voya (ReliaStar Life Insurance Company) is one of the only insurance companies in the country that do not count family history of cancer into your rating. Voya is also favorable on blood pressure guidelines allowing 135/90 for their best rate class whereas most companies are over 85 for the bottom number. Seniors over age 61 can take be on a blood pressure medication and qualify for the best rate class.  Voya also allows a total cholesterol of 300 and hdl ratio of 5.0...

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Best Life Insurance Companies 2016

The best life insurance companies 2016 offer the lowest rates, are highly rated and have the most favorable consumer underwriting guidelines for 2016. The companies that made are list have been carefully monitored, researched and most importantly; are tried-and-true as they are the ones we trust to place our clients with.  Some of the companies are household names and the others are not as well known but are best life insurance companies in America. When looking for the right life insurance company to protect your family you want to look at price, underwriting, company history and their financial rating.  The companies on our list check all of those boxes.   Best Life Insurance Companies 2016   Prudential Life Insurance...

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Best Life Insurance Companies for High Blood Pressure 2016

Best Life Insurance Companies for High Blood Pressure 2016 High blood pressure (hypertension) is a common health concern in 2016 and many Americans are taking a blood pressure lowering medication such as Lisinopril. So when applying for life insurance in 2016 you want to look at companies that underwrite blood pressure medications favorably. To help you out I put together a list of the best life insurance companies for high blood pressure in 2016. High blood pressure (hypertension) can be a serious health condition if left untreated.  Damage to the arteries, heart, brain, and kidneys are possible repercussions of not controlling hypertension.  Fortunately, with advances in medicine, today high blood pressure is a very treatable condition and for some...

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Primerica (Prime America) Life Insurance Review 2016

Primerica (Prime America) Life Insurance Review 2016   Pros: Financial strength- Primerica has an A+ superior rating in 2016 (2nd highest of 16 available ratings from A.M. Best) and they have a good reputation for paying claims in a timely manner.  Their policies also feature a nice living Terminal Illness Benefit.  In addition, their agents are local and often friends and family. Cons:  Expensive compared to companies with an equal financial rating (See the table below).  Primerica also only offers term life insurance without the option to convert to permanent insurance.  As an alternative you can convert to a decreasing term policy at the initial health rating class you were approved for or choose annual renewable term which is...

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Top 5 Life Insurance Companies for High Cholesterol 2016

For 2016,we listed our top 5 life insurance companies for high cholesterol 2016. These companies allow a cholesterol reading up to 300 and also allow you to be on a cholesterol lowering medication such as a statin and still remain eligible their best health rate class. According to the CDC, about 33% which equates to 71 million of adults in the United States have high levels of bad cholesterol.  Nearly half of those with high cholesterol are receiving treatment and only 23 million have their cholesterol levels in check. The health problems that can result from having high cholesterol are numerous and can be very dangerous. These include the elevated risk of heart disease, stroke, high blood pressure and...

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AARP Life Insurance Review 2016

AARP Life Insurance Review 2016 The Good: AARP’s life insurance program which is underwritten by New York Life Insurance Company, has an easy application process- only 3 health questions and no physical exam.  New York Life has an A++ A.M. Best Superior financial rating (the highest available out of 16 categories).  AARP and New York Life are very well-known trusted companies in America in 2016. The Bad:  Rates can be expensive for many applicants.  Also, the premiums increase every 5 years on their term policy and coverage ends at age 80.  In addition, as with many guarantee issue policies from various companies- many people have posted complaints online about being unaware that the guaranteed acceptance life insurance has a...

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