July, 26 2017

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Life insurance reviews, news and prices from the top companies

Best Life Insurance Companies That Pay Out

A common question many of the clients we talk to ask “What are the Best Life Insurance Companies That Pay Out”  to ensure my family will be covered if anything were to happen to me? This is why everyone that purchases a life insurance policy wants to have the peace of mind knowing the company they pay their hard earned money for will fulfill its obligation, their end of the bargain, and pay out the money if anything were to happen.   What You Need To Know Here is the truth when it comes to life insurance in the United States.  Life insurance is one of the most regulated industries in the country.  As long as you choose a...

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Largest Life Insurance Companies 2017

There over nine hundred life insurance companies in the United States in 2017 and there are two main ways to determine which are the largest insurers.  The criteria include; by largest writers of premiums, and rank by total assets.  While these are important ways to determine the largest life insurance companies in America it’s not necessarily the best way to choose the right company for your specific situation.  Every life insurance company has their own underwriting guideline which means one insurer may offer a much better rate over another insurer for the same exact policy. For example, Prudential will often have the lowest rate in the entire country in many areas but will not typically have the lowest rate...

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Prudential Life Insurance Review 2017

Prudential Life Insurance Review 2017 Pros:  Prudential Life Insurance Company (also known as Pruco) is one of the largest life insurance companies in the country by total market share in 2017.  Prudential is A+ (Superior) rated by A.M. Best (second highest of 16 ratings).  They have the best rates for certain niches such as cigar and smokeless tobacco users.  Also, Prudential is one of the most popular and well-respected names in the financial services sector.  In addition to their niche of offering non-tobacco rates to chew and cigar users, they offer some of the best rates in the nation for sleep apnea, medical marijuana, travel, and many other health conditions.  They will often have some of the best rates...

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Protective Life Vs. Prudential Vs. AIG Vs. Mutual of Omaha Vs. Allstate Vs. State Farm Vs. Farmers Vs. Primerica

Protective Life Vs. Prudential Vs. AIG Vs. Mutual of Omaha Vs. Allstate Vs. State Farm Vs. Farmers Vs. Primerica Are you in the market for life insurance? Are you looking for the best rate? Well good news, you have come to the right place. There are over eight hundred life insurance companies out there to choose from and selecting the right one can be a daunting task. You may be looking at the top life insurance companies in the country such as; AIG, Prudential, Mutual of Omaha, Allstate, State Farm, Primerica and Protective Life.  I can tell you the best way to choose a life insurance company for term life insurance is based on price.  Why you may ask? ...

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MetLife Life Insurance Review 2017

MetLife Life Insurance Review 2017   Pros:  MetLife used to rank as the #1 life insurance in America in sales and total assets.  Financial strength– MetLife (now Brighthouse Life Insurance Company) is A (Superior) rated by A.M. Best (third highest of 16 possible ratings) and they are one of the most well-known insurance companies in the world in 2017. Well-Known– MetLife used to be one of the most well-known names in life insurance. Cons:  Their prices are competitive but not the rock-bottom lowest. Bottom Line:  MetLife was one of the largest life & health insurer in America.  They had a superior financial rating and have been providing quality life insurance since before the turn of the century.  In 2017,...

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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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Lincoln National Life Insurance Company Review Review 2017

Lincoln National Life Insurance Company Review Review 2017  Pros:  Financial strength–  Lincoln National Life Insurance Company (Lincoln Financial Group) has an A+ (Superior) financial rating by A.M. Best (second highest of 16 possible ratings).  Stability– Lincoln Life was established in 1905, demonstrating durability as an insurer having been around for more than 100 years.  Top Insurer– Lincoln Financial is the fourth largest life and health insurer in the country. Smokeless Tobacco Niche– Lincoln is one of a select few companies that offer non-tobacco rates for users of smokeless tobacco such as cigars, chew, dip and marijuana. Height and Weight– Lincoln National Life has favorable underwriting on their build charts for height and weight. No Medical Exam– Lincoln has one...

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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 2017

John Hancock Life Insurance Review 2017 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. Bottom Line:  John Hancock, owned by the Canadian insurance company Manulife Financial, is one of the largest life insurance companies in America by premiums and market share.  They also have an A+ Superior...

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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 2017

Transamerica Life Insurance Company Review 2017 Pros:  Transamerica is one of the largest life insurance companies in America in 2017.  They’ve have been in business for more than 80 years and have are A+ (Superior) rating by A.M. Best (second highest of 16 possible ratings). 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 term lengths than most insurance companies. As with all the...

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New York Life Insurance Review 2017

New York Life Insurance Review 2017 Pros:  Financial Strength– New York Life (NY Life Insurance) has the best financial rating in the country in 2017 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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