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Best Life Insurance Companies for Smokers

Posted by on Apr 7, 2014 in Whole Life | Comments Off on Best Life Insurance Companies for Smokers

Best Life Insurance Companies for Smokers

Best Life Insurance Companies for Smokers If you are a cigarette smoker and are searching for cheap life insurance than you came to the right place.  This article will show you some the best life insurance companies for smokers. Not all companies are the same Each life insurance company has their own underwriting guidelines and prices for a smoker.  Rates can vary drastically from one company to the next for the same coverage.  Therefore it’s imperative to shop around or use an independent agent to receive multiple rate quotes to ensure you find the best deal. Cheapest life insurance for smokers Let’s take a look at the sample rates for a 40-year old female, smoker, in excellent health looking for a $250,000, 20 year level term life insurance policy.   Company   A.M. Best Rating  Annual  Monthly   Product   Rating Class Transamerica Life Insurance Company       A+ $617.50 $54.03 Trendsetter Super 20 Preferred  Smoker Ohio National Life Assurance Corporation       A+ $630.00 $54.50 FlexTerm Series IX – 20 Year Plus Select Smoker New York Life Insurance Company       A++ $635.00 $56.48 20 Year Level Term (20LCT) Select Standard Banner Life Insurance Company       A+ $640.00 $56.00 OPTerm 20 – 20 Year Term Preferred Smoker Sunset Life Insurance Company of America       A- $642.50 $54.61 Term 20 – 20 Year Term Preferred Smoker Northwestern Mutual Life Insurance        A++ $643.00 $55.49 TT Level Term 20 Premier Tobacco American General Life Insurance Company       A $646.50 $56.57 Select-a-Term – 20 Year Preferred Tobacco Pacific Life Insurance Company       A+ $650.00 $54.17 Pacific PRIME Term 20 Preferred Tobacco National Western Life Insurance Company       A $655.00 $58.30 NWL Term 20 Preferred Tobacco ReliaStar Life Insurance Company (ING)       A $662.50 $57.97 TermSmart 20 – 20 Year Term Preferred Tobacco EMC National Life Company       A- $665.00 $59.19 Term Select – 20 Year Preferred Tobacco The Penn Mutual Life Insurance Company       A+ $670.00 $58.29 Guaranteed 20 Year Term (CA) Preferred Smoker AAA Life Insurance Company       A- $670.00 $58.96 20 Year Level Term Preferred Nicotine Cincinnati Life Insurance Company       A $670.00 $58.96 LifeHorizons Termsetter 20 Preferred Standard National Western Life Insurance Company       A $672.50 $59.85 NWL Secure Term 20 Preferred Tobacco Western-Southern Life Assurance Company       A+ $672.50 $65.91 20-Year Guaranteed Level Term Preferred Tobacco Minnesota Life Insurance Company       A+ $675.00 $59.40 Advantage Elite Select Life – 20 Year Preferred Tobacco Columbus Life Insurance Company       A+ $680.00 $57.80 Nautical Term – 20 Year Preferred Tobacco Genworth Life and Annuity Insurance Co       A $685.00 $59.94 Colony Term 20 Preferred Nicotine Use Genworth Life Insurance Company       A $685.00 $59.94 Colony Term 20 Preferred Nicotine Use Pruco Life Insurance Company       A+ $690.00 $62.10 Term Essential 20 (<250K PruXpress ONLY) Preferred Smoker North American Co for Life and Health       A+ $692.50 $60.59 ADDvantage 20 Preferred Tobacco Transamerica Life Insurance Company       A+ $692.50 $60.59 Trendsetter Express 20 (250K+) Preferred Smoker Midland National Life Insurance Company       A+ $692.50 $60.91 Premier CS4 – 20 Year Term Preferred Tobacco Fidelity Life Association       A- $697.50 $60.68 Hybrid Term – 20 Year (with blood test) Preferred Nicotine Symetra Life Insurance Company       A $702.50 $61.47 20 Year Level Term Preferred Nicotine MetLife Investors USA Insurance Company       A+ $706.50 $63.59 Guaranteed Level Term...

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Cheapest Life Insurance Companies for a Cigar, Chew or Pipe Smoker

Posted by on Apr 6, 2014 in Whole Life | Comments Off on Cheapest Life Insurance Companies for a Cigar, Chew or Pipe Smoker

Cheapest Life Insurance Companies for a Cigar, Chew or Pipe Smoker

Cheapest Life Insurance Companies for a Cigar, Chew or Pipe Smoker If you are looking for information on the cheapest life insurance companies for a cigar, chew or pipe smoker then you came to the right place.  This article will show you how to receive the lowest price, even a non-tobacco rate, on your next life insurance policy if you consume smokeless tobacco.  Usage Cigars: If you are an occasional cigar smoker then you may still qualify for the best rating class depending on the number of cigars you smoke a year.  It’s important to be honest with your agent upfront so they can place you with the right company.  For example, some insures such as (AIG) American General and (ING) ReliaStar allow you to remain eligible for the best rating class and still smoke up to 52 cigars a year, as long as you disclose the usage upfront on the application and test negative (for the urine sample) on the life insurance paramedical exam.  Other carriers such as Protective Life allow 6 cigars over the past twelve months while other carriers like Banner Life allow up to twelve cigars a year and can remain eligible for their best rating class.  Insurers; Prudential, MetLife and Lincoln will allow for unlimited cigar usage and one can still qualify for a non-tobacco (non-smoker) rate. Popular cigars brands: Cuban cigars, Macanudo, Arturo Fuente, H. Upmann, Ashton, Partagas, CAO, Cohiba, Montecristo, Pardon, Casa Torano. Pipe: ING ReliaStar will allow you to smoke a cigar pipe up to 52x (times) a year and still remain eligible for their best rating class.  Companies such as Prudential, MetLife and Lincoln will allow unlimited cigar pipe usage and one can qualify for a non-tobacco rate. Popular brands of cigar pipes: Savinelli, Peterson, Nording, Castello, Caminetto, Dunhill, Armelenni, Chacom, Radice, Chew, Dip, Snuff: Prudential, MetLife and Lincoln allow the unlimited use of these products and still offer a non-tobacco (non-smoker) rate. Popular brands of chewing tobacco: Copenhagen, Snus, Grizzly, Skoal, Woulverine Who has the cheapest prices? Let’s take a look at a $250,000 20-year term policy for a 40-year old male in good health that smokes a cigar or pipe more than once a week and or chews tobacco. Prudential (Term Essential)- $39.38 MetLife (GLT) $40.41 Lincoln (LifeElements)-$49.40 Transamerica (Trendsetter Super)-$65.41 Banner Life (OPTerm)-$69.78 ING (TermSmart)-$70.88 American General (Select-A-Term)-$72.54 Genworth (Colony Term)-$72.63 North American (ADDvantage)-$73.28 Principal National (Term Insurance)-$83.78   Compare Rates As you can see the best life insurance companies for cigars, chew and pipe smokers offer affordable prices, are highly rated and even offer non-tobacco rates.  Remember, it’s important to disclose the correct usage upfront to your agent so they can place you with the best company.  This will potentially save you thousands of dollars over the life on your policy.  Share...

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North American Company Life Insurance Review

Posted by on Apr 5, 2014 in Term Life, Universal Life | Comments Off on North American Company Life Insurance Review

North American Company Life Insurance Review

North American Company Life Insurance Review Pros: Ratings– North American Company is A+ (Superior) rated by A.M. Best for financial strength and has a 92 out of 100 Comdex score.  Long History– North American was founded in 1886 and has successfully protected families for over 125 years.  Universal Life- Their universal life insurance products typically have some of the cheapest rates in the country (along with their sister company Midland National). Cons: Their term rates are typically not typically absolute cheapest like their universal products are. Bottom Line: North American Company (a member of Sammons Financial Group-a top 25 life company in America by market share) is a highly rated and very financially secure life insurance company that has been around for over 125 years.  While they offer a good term product it is typically not the lowest priced like their universal life product is.  The bottom line is that you can’t go wrong with having your policy with North American Company for Life and Health.  However, as with all the companies we review, we recommend receiving a quote from North American but from other carriers as well and choose the best one for you and your situation. About Type: Private (Member of Sammons Financial Group) Issued by: North American Company Founded: 1886 Website: northamericancompany.com Phone: (800) 800-3656 Address: 525 W. Van Buren, Chicago, IL 60607 A.M Best Rating: A+ (Superior) Second highest of 16 possible ratings Comdex Ranking: 92 out of 100 BBB Rating: B Competitors: Ohio National Life, New York Life, Northwestern Mutual, MassMutual, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, American General Life, Banner Life, Protective Life, Primerica, Genworth Life, Pacific Life Insurance, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life, ANICO, TIAA-CREF, Guardian, OneAmerica, Sagicor, Amica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie. Price Comparison Chart Sample rates for a  in each company’s best health class for $500,000-20 year term for a 40 year old. AgeNorth AmericanProtective LifePacific LifeMetLife 40$35.44$30.26$31.26$37.26     Share...

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Columbus Life Insurance Company Review

Posted by on Apr 4, 2014 in Term Life, Universal Life | Comments Off on Columbus Life Insurance Company Review

Columbus Life Insurance Company Review

Columbus Life Insurance Company Review Pros: Financial Strength- Columbus Life Insurance Company has an A+ (A.M. Best) financial rating and a 96 out of 100 Comdex ranking, meaning their ability to payout future claims is superior.  History- Columbus Life Insurance Company was founded in 1906 with a long history of protecting families.  BBB Rating- Columbus Life is accredited by the Better Business Bureau (BBB) and has an A+ rating. Cons:  Not too many cons with this company. Bottom Line: Columbus Life Insurance Company, a member of Western & Southern Financial Group, is a highly rated life insurance company with a long, stable history dating back to over 100 years.  They offer very competitive rates in certain areas with fair underwriting guidelines.  If you have a policy with Columbus Life you can feel safe that your family is in good hands.  However, as with all the companies we review, we recommend receiving a quote from Columbus Life but from other carriers as well and choose the best one for you.   About Type: Mutual (Member of Western & Southern Financial Group) Issued by: Columbus Life Insurance Company Founded: 1906 Website: columbuslife.com Phone: (800) 677-9595 Address: 400 East Fourth Street, Cincinnati, OH 45202 A.M Best Rating: A+ (Superior) Second highest of 16 possible ratings Comdex Ranking: 96 out of 100 BBB Rating: A+ Competitors: Ohio National Life, New York Life, Northwestern Mutual, MassMutual, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, American General Life, Banner Life, Protective Life, Primerica, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life, ANICO, TIAA-CREF, Guardian, OneAmerica, Sagicor, Amica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie. Price Comparison Chart Sample rates for a male in each company’s best health class for $250,000-20 year term. AgeColumbus Life Banner LifeOhio NationalSBLI 50$45.49$43.53$46.93$50.68     Share...

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Liberty Mutual Life Insurance Review

Posted by on Apr 3, 2014 in Term Life, Universal Life, Whole Life | Comments Off on Liberty Mutual Life Insurance Review

Liberty Mutual Life Insurance Review

Liberty Mutual Life Insurance Review Pros: Size- Liberty Mutual Insurance is the third largest property and casualty insurer in America and ranks at number 81 on the Fortune 500 list of the largest corporations in America.  Convenience- Many people prefer to have all of their insurance coverage’s with one company and Liberty Mutual makes it possible with their extensive insurance product line.  Local Agents- Liberty Mutual has agents based in the community which many people prefer. Cons: Liberty Mutual’s life insurance rates are expensive compared to what is available on the market. Bottom Line: Liberty Mutual is a top three auto and home insurer in America.  They have great brand recognition and are a financially stable insurance company.  However, when comparing their life insurance rates to other carriers they are expensive (see table below).  As we recommend with all the companies we review, receive a quote from Liberty Mutual but also from other companies as well and choose the best one. About Type: Mutual Issued by: Liberty Life Assurance Company of Boston Founded: 1912 Website: libertymutual.com Phone: (800) 837-5254 Address: 175 Berkeley Street, Boston, MA, 02116 A.M Best Rating 2015: A (Superior) Third highest of 16 possible ratings Comdex Ranking: 78 out of 100 BBB Rating: A+ (Liberty Mutual Insurance) Competitors: Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Ohio National Life, New York Life, Northwestern Mutual, Mass Mutual, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, American General Life, Banner Life, Protective Life, Primerica, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life, ANICO, TIAA-CREF, Guardian, OneAmerica, Sagicor, Amica, Minnesota Life, RiverSource. Price Comparison Chart Sample rates for a male in each company’s best health class for $500,000-20 year term. AgeLiberty MutualOhio NationalProtectiveMassMutual 30$32.85$21.19$21.32$28.28 40$54.45$30.71$30.26$42.20 50$126.00$80.88$80.4397.44   Share...

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RiverSource Life Insurance Company (Ameriprise) Review

Posted by on Apr 2, 2014 in Term Life, Universal Life | Comments Off on RiverSource Life Insurance Company (Ameriprise) Review

RiverSource Life Insurance Company (Ameriprise) Review

RiverSource Life Insurance Company (Ameriprise) Review Pros: Financial Strength- RiverSource Life Insurance Company has a 96 out of 100 Comdex Ranking putting them among some of the top life insurers in America for financial strength.  Size- RiverSource is the 19th largest life insurance company in America based on total assets.  Company history- RiverSource is a subsidiary of Amerirpise Financial and has been around for over 115 years. Cons: There aren’t too many cons with RiverSource. Bottom Line: RiverSource Life Insurance Company, a subsidiary of Ameriprise, is a highly rated and very competitively priced (see the table below) life insurance company.  As with all the life insurance companies we review, we recommended receiving a quote from RiverSource (Ameriprise) but also from other carriers as well to ensure you are receiving the best rate.     About Type: Subsidary of Ameriprise- Public-NYSE: AMP Issued by: RiverSource Life Insurance Company Founded: 1894 Website: riversource.com Phone: (800) 333-3437 Hours: 7:00 A.M. to 6 P.M. Central Address: 829 Ameriprise Financial Center Minneapolis, MN 55474 A.M Best Rating: A+ (Superior) Second highest of 16 possible ratings Comdex Ranking: 96 out of 100 BBB Rating: A+ (Ameriprise Financial) Competitors: Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Ohio National Life, New York Life, Northwestern Mutual, Mass Mutual, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, American General Life, Banner Life, Protective Life, Primerica, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life, ANICO, TIAA-CREF, Guardian, OneAmerica, Sagicor, Amica, Minnesota Life. Price Comparison Chart Sample rates for a male in each company’s best health class for $500,000-20 year term. AgeRiverSourceAIGProtectiveMetLife 30$23.63$21.35$21.32$26.01 40$34.56$30.54$30.26$37.26 50$84.00$81.73$80.43$89.46 60$233.62$219.98$217.63$259.56   Share...

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Minnesota Life Insurance Company (Securian) Review

Posted by on Apr 1, 2014 in Term Life, Universal Life, Whole Life | Comments Off on Minnesota Life Insurance Company (Securian) Review

Minnesota Life Insurance Company (Securian) Review

Minnesota Life Insurance Company (Securian) Review Pros: Financial rating– Minnesota Life Insurance Company (the parent company of Securian Financial Group) has an A+ (Superior) A.M. Best Financial rating and a 93 out of 100 Comdex ranking.  Size and Stability– Founded in 1880, today Minnesota Life Insurance Company and Securian Financial Group affiliates have over 13 million customers and manage over $42 billion in assets.  Indexed Universal Life (IUL/EIUL) Product– Minnesota Life’s IUL/EIUL policy is a favorite for clients looking for a tax free income stream. Cons: There are not really any cons with Minnesota Life.  In comparing their rates they typically will not have the lowest rates. Bottom Line: Minnesota Life Insurance Company (Securian) is a superior rated life insurance company with a 93 Comex score- meaning their claims paying ability is among some of the best life insurance companies in the nation.  Their product line is extensive and they offer competitive underwriting guidelines.  The bottom line is  Minnesota Life Insurance (Securian) is a top tier life insurance company but as we suggest with all carriers, we recommend receiving a quote from them but also from other companies as well so you get the best deal for your situation. About Type: Mutual Issued by: Minnesota Life Insurance Company Founded: 1880 Website: securian.com Phone: (877) 282-1930 Address: 400 Robert Street North St. Paul, MN 55101 A.M Best Rating: A+ (Superior) Second highest of 16 possible ratings Comdex Ranking: 93 out of 100 BBB Rating: A+ Competitors: Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Ohio National Life, New York Life, Northwestern Mutual, Mass Mutual, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, American General Life, Banner Life, Protective Life, Primerica, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life,  ANICO, TIAA-CREF, Guardian, OneAmerica, Sagicor, Amica. Price Comparison Chart Sample rates for a male in each company’s best health class for $500,000-20 year term. AgeMinnesota Life ProtectiveBannerLincoln National 40$38.72$30.26$36.75$39.61   Share...

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USAA Life Insurance Company Review

Posted by on Mar 30, 2014 in Term Life, Whole Life | Comments Off on USAA Life Insurance Company Review

USAA Life Insurance Company Review

(USAA) United Services Automobile Association Life Insurance Company Review Pros: Rating- USAA has a 99 out of 100 Comdex Ranking, meaning they nearly received a perfect financial rating from the top four U.S. insurance rating agencies. Size- USAA is a Fortune 500 company with over 10 million members.  Website- USAA’s website provides instant rate quotes and allows you to fill out an application online.  Loyalty- USAA is a member based organization to people and families that serve, or served in the United States Military. Cons: There aren’t too many cons with USAA.  In reviewing their rates, they are competitive but often there were other life insurers with cheaper rates. Bottom Line:  USAA is a top tier life insurance company with their near perfect financial rating (from the four main rating agencies) and their competitive rates.  However, their prices may not be the lowest and their underwriting can be strict in certain areas compared to other carriers. The bottom line is you can’t go wrong with a policy from USAA but it is advisable to receive quotes from multiple companies in addition to USAA and choose the best company for you. About Type: Reciprocal Issued by: USAA Life Insurance Company Founded: 1922 Website: www.usaa.com Phone: (800) 531-8722 Address: 9800 Fredericksburg Road San Antonio, TX 78288 A.M Best Rating: A++ (Superior) Highest of 16 possible ratings Comdex Ranking: 99 out of 100 BBB Rating: NA Competitors: AAA, Erie, Ohio National Life, New York Life, Northwestern Mutual, Mass Mutual, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Allstate, American General Life, Banner Life, Protective Life, Primerica, State Farm, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential.   Price Comparison Chart Sample rates for a male in each company’s best health class for $500,000-20 year term. AgeUSAAProtectiveBannerMetLife 30$24.57$21.32$21.88$26.01 40$37.07$30.26$35.44$37.26 50$92.07$80.43$83.13$89.46   Share...

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Midland National Life Insurance Company Review

Posted by on Mar 29, 2014 in Term Life, Universal Life, Whole Life | Comments Off on Midland National Life Insurance Company Review

Midland National Life Insurance Company Review

Midland National Life Insurance Company Review Pros: Rating- Midland National has an A+ (Superior) financial rating from A.M. Best and a 92 out of 100 Comdex score.  Longevity- Midland National was founded in 1906 with a long stable company history dating back to over 100 years.  Website-  Their website provide instant rate quotes without having to speak to anyone. Universal Life- Their universal life products offer some of the best rates in the entire country. Cons: They typically don’t offer the lowest prices on term life insurance (but they do for on universal life). Bottom Line: Midland National Life Insurance Company is a highly rated and financially strong life insurance company.  They have been around for over 100 years and with a strong balance sheet are in excellent position to be around for another 100 years.  While there are may be other insurance companies that will offer lower term rates, their universal life rates are among the best in the nation and Midland is a company you should defiantly check out. About Type: Employee Owned (Sammons Financial Group-Holding Company) Issued by: Midland National Life Insurance Company Founded: 1906 Website: midlandnational.com Phone: (605) 335-5700 Address: 1 Midland Plaza Sioux Falls, SD 57193 A.M Best Rating: A+ (Superior) Second highest of 16 possible ratings Comdex Ranking: 92 out of 100 BBB Rating: A+ Competitors: Ohio National Life, New York Life, Northwestern Mutual, Mass Mutual, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Allstate, American General Life, Banner Life, Protective Life, Primerica, State Farm, USAA, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential.   Price Comparison Chart Sample rates for a female in each company’s best health class for $500,000-20 year term for a 40 year old. AgeMidland National SBLIProtectiveJohn Hancock 40$32.26$26.54$26.43$35.70   Share...

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Cincinnati Life Insurance Company Review

Posted by on Mar 28, 2014 in Term Life, Universal Life, Whole Life | Comments Off on Cincinnati Life Insurance Company Review

Cincinnati Life Insurance Company Review

Cincinnati Life Insurance Company Review Pros: Pricing- Cincinnati Life Insurance Company often has some of the best rates in the country (See table below). Awards- Cincinnati Financial was named one of Forbes 2013 America’s Most Trustworthy Companies.  Also, they were one of Ward’s 50 Top Performing P&C Insurers in 2013. Cons: There aren’t too many cons with Cincinnati Life.  One issue could be their distribution model which is stricter than other top insurers making them unavailable with many independent agents. Bottom Line: Cincinnati Life Insurance Company is a top tier life company that will often have one of the absolute lowest rates in the entire nation in 2016.  However, since their rates are so good, their underwriting can be strict in certain areas.  You can’t go wrong with Cincinnati Life but as we recommended with all companies, defiantly receive a quote from Cincinnati Life but also receive quotes from other insurers as well to ensure you are receiving the best deal. About Type: Public Issued by: The Cincinnati Life Insurance Company Founded: 1968 Website: www.cinfin.com Phone: (888) 242-8811 Address: 6200 S. Gilmore Road Fairfield, OH 45014 A.M Best Rating: A (Excellent) Third highest of 16 possible ratings Comdex Ranking: 82 out of 100 BBB Rating: A+ (Cincinnati Financial Corporation) Competitors: Ohio National Life, New York Life, Northwestern Mutual, Mass Mutual, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Allstate, American General Life, Banner Life, Protective Life, Primerica, State Farm, USAA, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential. Price Comparison Chart Sample rates for a male in each company’s best health class for $500,000-20 year term for a 50 year old male (updated 2016). AgeCincinnati Life Mutual of OmahaPrudentialAIG 40$83.16$85.97$88.65$86.85   Related Reviews Banner Life Insurance Company Review... Prudential Life Insurance Review 2017... Protective Life Insurance Company Review 2017... Banner Life Insurance Company Review 2017... Lincoln National Life Insurance Company Review Review 2017... Best Life Insurance Companies for Seniors Over 65... Mutual of Omaha Life Insurance Review... William Penn Life Insurance Company Review... Thrivent Financial Life Insurance Review 2017... Companion Life Insurance Company Review... Share...

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