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Northwestern Mutual Life Insurance Review 2017

Posted by on Oct 3, 2013 in Term Life, Universal Life, Whole Life | Comments Off on Northwestern Mutual Life Insurance Review 2017

Northwestern Mutual Life Insurance Review 2017

Northwestern Mutual Life Insurance Review 2017 Pros:  Financial strength– Northwestern Mutual has the highest rating available possible from each of the four major rating agencies, a perfect 100 out of 100 Comdex score, which is extremely rare in 2017. Also Northwestern Mutual was one of the top insures who did not need to accept bail out money during the financial crisis in 2008-2009.  History– NW Mutual is also one of the largest and most storied insurance companies in America and have been around since 1857. Dividends- Northwestern Mutual paid out $5.6 billion in dividends in 2015/2016. Claims– Northwestern Mutual paid out $3.9 billion in life disability and long term care claims in 2015. Cons:  As with the other A++ Superior rated mutual insurers, Northwestern Mutual’s life insurance rates are often higher compared to other Superior (A+ rated) rated insurers. Bottom Line:  Northwestern Mutual has the best financial rating of any life insurance company in the nation with an A++ (Superior) A.M. Best rating and a perfect 100 Comdex rating.  Just like New York Life they are the cream of the crop as far as ratings in 2017.  However, their prices are expensive compared to companies’ with a similar (Superior) rating by A.M. Best, especially for term insurance (with the exception being their tobacco rates).  As with all the companies we review we recommend that you receive a quote from Northwestern Mutual and from the other top companies and choose the best one for you.   About Type: Mutual Underwriter: Northwestern Mutual Life Insurance Company Founded: 1857 Website: northwesternmutual.com Phone: (414) 271-1444 Address: 720 E Wisconsin Ave, Milwaukee, WI 53202 A.M Best Rating 2017: A++ (Superior) Best rating of 16 possible ratings Comdex Ranking: 100 out of 100 BBB Rating: A+ Competitors: MassMutual, New York Life, Principal, Mutual of Omaha, Guardian, Pacific Life Insurance, North American Co, Lincoln National Life, State Farm, Farmers, Allstate, Nationwide, American Family Life Insurance, Progressive Life Insurance, ANICO, Allianz Life Insurance Company, Fidelity & Guaranty Life, American General Life, Banner Life, Protective Life, Primerica, Genworth Life,  ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life, Grange Life Insurance Company, Symetra Life Insurance Company, a, John Hancock, PennMutual,  TIAA-CREF, OneAmerica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Sagicor, Amica, Assurity, Colonial Penn, AARP, Globe Life, Ohio National Life Group, EMC National Life, Motorists Life, Pan-American Life, National Life Group, American Family, Shelter, HoraceMann, Group Life Insurance, Supplemental Life Insurance, Aflac, Voluntary Life Insurance, Unum.   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...   Please rate your experience with Northwestern Mutual Life Insurance Company below.  Share...

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ING ReliaStar Life Insurance Review

Posted by on Oct 2, 2013 in Term Life, Whole Life | Comments Off on ING ReliaStar Life Insurance Review

ING ReliaStar Life Insurance Review

ING (Now Voya Financial) ReliaStar Life Insurance Review– Voya Financial Life Insurance Review 2015 Pros:  ING (Voya Financial) is one of the largest life insurance companies in America and a top five writer of term life.  VOYA also has favorable underwriting niches, such as family history of cancer, where they offer some of the lowest rates in the nation. They will typically have the lowest prices on $200,000 policies.  Also, for seniors over 60, ReliaStar offers very competitive underwriting for diabetics and blood pressure treatment. Cons: ING no longer offers a 25 & 30-year term life policy.  Bottom Line:  ING (now Voya Financial-ReliaStar Life Insurance) is a top 5 term life insurance company with an “A” (Excellent) rating by A. M. Best.  Their parent company based in the Netherlands had similar issues that AIG did back in 2008 around the same time.  As a result, they dropped their 25 and 30 year term and also the no-lapse universal life guarantee policy.  However, ING remains one of the largest life companies in America ahead of many well-known insurers.  If you have a policy with ING you’re in good hands.  As with any time you purchase life insurance, it’s advisable to receive multiple quotes to ensure you are receiving the best deal.   About Type: Public Underwriter: ReliaStar Life Insurance Company Name Change: As of April 7th 2014, the ING corporate name is now Voya Financial Founded: 1885 (ReliaStar Life Insurance Company) Website: ing.us Phone: (877) 886-5050 Address: 20 Washington Ave S, Minneapolis, MN 55401 A.M Best Rating 2015: A (Excellent) Third highest of 16 possible ratings Comdex Ranking: 73 out of 100 BBB Rating: A+ Competitors: American General Life, Banner Life, Primerica, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, Transamerica, Prudential, Midland, Cincinnati Life, TIAA-CREF, Guardian, OneAmerica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Sagicor, Amica, ANICO, Assurity, Colonial Penn, AARP, Globe Life, Ohio National Life Group, New York Life, Northwestern Mutual, MassMutual, Grange Life Insurance Company, Symetra Life Insurance Company, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate.   Price Comparison AgeING ReliaStarBanner LifeAIGMetLife 30$16$14$16$17 40$23$18$23$19 50$45$40$45$45 60$90$81$93$87 70$252$213$328$336 *Sample rates for a $500k policy on a 10-year term at each company’s best health class       To receive a quote from (ING) ReliaStar instantly and to compare their rates to competitors, click on the green button below.   What was your experience with ReliaStar Life Insurance (ING)?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. *$23.63 is the monthly rate for $500,000 policy on a 10 year term for a 40 year old male at the best health class. Share...

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Protective Life Insurance Company Review 2017

Posted by on Sep 30, 2013 in Term Life, Universal Life, Whole Life | Comments Off on Protective Life Insurance Company Review 2017

Protective Life Insurance Company Review 2017

Protective Life Insurance Company Review 2017   Pros:  Protective Life has some of the best rates in the entire country in 2017 on term and universal life insurance.  You can often purchase a lot more life insurance to protect your family through Protective vs. other insures.  Protective is rated in the highest category “Superior” by the top rating agency A.M. Best.  Protective Life also is very stable with a rich tradition as they’ve been around for over 100 years.  Although they may not be a household name, Protective Life one of the largest life insurance companies in America as far as market share in 2017.  Protective Life Insurance Company offers a unique term life insurance policy in that when the term expires, the rate stays the same just face amount drops.  This is often better than traditional term life insurance where the rate increases significantly when the term ends.  Also, in 2017, Protective Life often has the best universal life insurance rates in the entire country. Cons:  Hardly any negatives with Protective Life in 2017.  Although Protective Life is not a household name such as Prudential or AIG. Bottom Line:  Protective Life is not as well-known as other major life insurers but nonetheless they rank in the top 20 for total market share in the country for life insurance in 2017.  Protective also is A+ (Superior) rated and have been in business since 1907.  Protective is one our favorite companies for life insurance in 2017 due to their low rates, great underwriting and they offer the same price after the term expires. About Type: Public- Traded on NYSE-PL Underwriter: Protective Life Insurance Company Founded: 1907 Website: www.protective.com Phone: (800) 866-9933 Address: 2801 Highway 280 South, Birmingham, AL 35223-2407 A.M Best Rating 2017: A+ (Superior) Second highest of 16 possible ratings Comdex Ranking: 91 out of 100 BBB Rating: A+ Life Insurance Products: Term Life (With Protective it’s called Custom Choice Universal Life-UL), Universal Life, Variable UL, Survivor UL. Competition: American General Life, Banner Life, Primerica, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life, TIAA-CREF, Guardian, OneAmerica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Sagicor, Amica, ANICO, Assurity, Colonial Penn, AARP, Globe Life, Ohio National Life Group, New York Life, Northwestern Mutual, MassMutual, Grange Life Insurance Company, Symetra Life Insurance Company, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate.   Protective Life Insurance Company Prices 2017 vs. Competition Sample monthly prices for a $250,000 20 year term life insurance policy for a 40-year old male at each company’s best rating class:   Protective Life: $17.91 Lincoln National: $18.38 Banner Life: $19.60 Mutual of Omaha: $20.13 John Hancock: $23.95 Primerica: $27.31 Prudential: $28.13   Buy it or keep shopping? Protective Life is an excellent company not only in prices but also in financial stability.  With favorable underwriting for applicants you can’t go wrong in choosing this company to protect your family.   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...

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New York Life Insurance Review

Posted by on Sep 28, 2013 in Final Expense, No Exam, Term Life, Universal Life, Whole Life | Comments Off on New York Life Insurance Review

New York Life Insurance Review

New York Life Insurance Review 2016 Pros:  Financial strength- New York Life has a perfect  A++ rating by A.M. Best (highest of 16 possible ratings) and a perfect 100 Comdex score (average rating from the 4 major rating agencies).  They were even one of the top insures who did not need to accept bail out money during the financial crisis in 2008-2009.  New York Life is the largest mutual life insurance company in the country and a symbol of stability as they’ve been around over 150 years. Cons:  New York Life’s prices are often much higher than many other top life insurers with a similar financial rating for term life insurance. (See table below) Bottom Line:  New York Life is one of the largest and most recognized life insurance companies in America.  They have a perfect financial rating across the board which is very rare.  However, their prices aren’t the cheapest and you will typically pay more for their rating and brand name.  Overall you can’t go wrong in choosing to purchase your policy with New York Life, just don’t expect them to have the lowest price.    About Type: Mutual Underwriter: New York Life Insurance Company Founded: 1845 Website: newyorklife.com Phone: (212) 576-7000 Address: 51 Madison Avenue New York, NY 10010 A.M Best Rating 2016: A++ (Superior) Highest of 16 possible ratings Comdex Ranking: 100 out of 100 BBB Rating: B+ Competition: MetLife, Northwestern Mutual, Mass Mutual, John Hancock, Principal, State Farm, Allstate, AIG, Ohio National Life, SBLI, Banner Life, Protective Life, Primerica, State Farm, USAA, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica. 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...   Price Comparison Term Life Sample rates for a 40-year old male at each company’s best rating class: Amount & TermProtective Life (A+ Superior)AIG (A Excellent)MetLife (A+ Superior)New York Life (A++ Superior) $500,000-20 Year$30$32$37$50 $1,000,000 10-year level term is $30.26 for Protective Life $1,000,000 20-year level term is $54.96 for Protective Life      We want to hear about your experience with New York Life.  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. New York Life Insurance Review Share...

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American General Life Insurance Review

Posted by on Sep 23, 2013 in Term Life, Universal Life | Comments Off on American General Life Insurance Review

American General Life Insurance Review

(AIG) American General Life Insurance Review   Pros: Competitive prices, favorable underwriting guidelines for consumers, best prices in certain areas- diabetics and table rates, number one for customer satisfaction survey in 2013 on insure.com and have stability as their roots date back to 1850.  Claims- American General Life Companies have paid out over $38 billion in claims and benefits over the past 5 years.  In addition, their parent company- AIG is one of the most well-known and recognizable insurance companies in the World. Cons: There are not many cons with American General.   Minor drawbacks would include the fact that they use electronic delivery of their life insurance policies which means insured’s don’t receive a hard copy in the mail unless they ask. Bottom Line: American General Life Insurance Company (AIG’s domestic life insurance company and subsidiary) is one of the top life insurers in America in 2016.  With recent rate reductions, they now have some of the best prices in the county.  If you have diabetes or are table rated for a health issue, on a blood pressure medication such as Lisinopril or have sleep apnea American General will have some of the best if not the best rate available.  American General is also easy to find. They own Matrix Direct/AIG Direct which is one of the largest term life insurance call centers in America and also have brick and mortar buildings and agents across America.   Info Type: Public-Subsidiary of AIG Underwriter: American General Life Insurance Company (American General Life) and The United States Life Insurance Company in the City of New York (US Life) Founded: 1850 Website: americangeneral.com Phone: (800) 231-3655 Address: PO BOX 4373, Houston, TX 77210 A.M Best Rating 2016: A (Excellent) Third highest of 16 possible ratings Comdex Ranking: 80 out of 100 BBB Rating: A+ Competition: New York Life, Northwestern Mutual, Mass Mutual, John Hancock, Principal, State Farm, Allstate, Ohio National Life, SBLI, Banner Life, Protective Life, Primerica, State Farm, USAA, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential.   How Does American General Life Insurance Prices Compare to the Competition? Sample prices for a 50-year old male on a 20-year term at the preferred plus rate class (updated 2016): AmountAmerican General LifeMutual of OmahaMetLifeJohn HancockNationwide $250k$46.41$46.38$47.84$58.65$59.19   (AIG) American General Life Insurance Review 2016 Buy it or skip it? American General Life (AIG) is an excellent company.  With their recent rate reductions, AIG is right there at the top of the list for having the best prices on many term of their policies.  If you are diabetic or have a major health issue they usually have the best price.  Also, American General is highly rated by A.M. Best.  When looking to purchase life insurance American General is a company you must check out. 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...    We want to hear from you.  What was your experience like with American General Life Insurance (AIG).  Please leave...

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Globe Life Insurance Review 2016

Posted by on Sep 23, 2013 in Final Expense, No Exam, Term Life, Whole Life | Comments Off on Globe Life Insurance Review 2016

Globe Life Insurance Review 2016

Globe Life Insurance Review 2016 (updated 2/2016) The Pros:  Globe Life and Accident Life Insurance Company has a very easy application process with no medical exam and only a few health questions.  Also, there is no two year waiting period, coverage begins once the policy is issued for both natural and accidental death.  Additionally, Globe Life is A+ Superior rated (second highest of 16 ratings) by A.M. Best for financial strength. The Cons: Globe Life’s popular term life insurance for adults policy is a step-rate insurance plan and the rate increases every 5 years (every 5th birthday).  This is attractive initially since the price is low to begin (even $1 for the first month) but the rate increases as time goes on, and the policy can become unaffordable to some especially in one’s 60’s and 70’s.  Also, there are complaints about Globe’s customer service on certain consumer feedback websites. The Bottom Line:  Globe Life Insurance’s prices are competitive in comparison to their competitors. Globe Life has been in business for more than 50 years and has an A+ Superior financial rating from A.M. Best.  Globe Life’s adult life insurance is a popular product due to the ease of the application.  There are only a few health questions and the application is done right on their website.  (Although at the time of this writing 2/2016 their underwriting seems to have become more strict in getting approved with certain health conditions.) Globe even allows you to add additional accidental death coverage insurance for a few more dollars.  However, the adult term life insurance policy is a step-rate plan and the price does increase with age.  Also, if one is healthy and doesn’t mind taking a life insurance paramed exam, there are less expensive options available (see below).  However, for those who want a life insurance policy with a quick and easy application process and don’t mind the increasing rates as time goes on then the Globe term policy is a very good option (sample rates below).  Addintially, Globe Life has a very popular like insurance policy for children which does not increase with age as well as an adult whole life insurance policy that goes up to $50,000.  As with all the companies we review, we recommend that you receive a quote from Globe Life and from the other top companies and choose the best one for you.   About Type: Subsidiary of Torchmark Corp -NYSE: TMK Founded: 1951 Website: globeontheweb.com Phone: (888) 650-4081 Address: 204 North Robinson Avenue, Oklahoma City, OK 73184 A.M Best Rating 2016: A+ (Superior) second best of 16 possible ratings Comdex Ranking: 91 out of 100 BBB Rating: A+ Competitors: AARP Life Insurance, Colonial Penn, Mutual of Omaha Life Insurance, Foresters, 5 Star Life Insurance Company, Oxford, Americo, United Home Life, Monumental,Funeral Advantage, Standard Life, State Farm, Farmers, Allstate, Nation Wide, American Family Life Insurance, Progressive Life Insurance, ANICO, Allianz Life Insurance Company, Fidelity & Guaranty Life, 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, Grange Life Insurance Company, Symetra Life Insurance Company, John Hancock, PennMutual, Principal, TIAA-CREF, Guardian, OneAmerica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Sagicor, Amica, Assurity,  Ohio National Life Group,...

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Western Southern Life Insurance Company Review

Posted by on Sep 22, 2013 in Term Life, Universal Life, Whole Life | 1 comment

Western Southern Life Insurance Company Review

Western Southern Life Insurance Company Review Pros:  Western & Southern Life is highly rated- A+ Superior by A.M. Best (second highest of 16 ratings) with a Comdex score of 97 out of a possible 100.  They also have a great reputation for excellent customer service.  W&S Life has stability as they were established more than 125 years ago.  W&S also follows the face-to-face sales model which some people prefer. Cons:  Western & Southern Life’s term rates are often more expensive compared to what is available elsewhere, also underwriting can be strict sometimes which can pose additional problems for applicants. Bottom Line:  Western & Southern is highly rated life insurance company with an excellent customer service ranking.  You can feel secure knowing you are with a financially superior company that will be able to payout any claim.  However, as we recommend for all the companies we review, we recommend receiving a quote from Western Southern Life but also from other carriers as well and choose the best. Info Type: Mutual Company Underwriter: The Western and Southern Life Insurance Company Founded: 1888 Website: westernsouthernlife.com Phone: (866) 832-7719 Address: 400 Broadway Cincinnati, OH 45202 A.M Best Rating: A+ (Superior) second highest of 16 possible ratings Comdex Ranking: 97 out of 100 BBB Rating: A+ Competitors: MetLife, Northwestern Mutual, NY Life, Mass Mutual, John Handcock, Allstate, Nationwide, Primerica, SBLI, Banner Life, Protective Life, American General Life, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential.   How Are Western & Southern’s Prices Compared to the Competition? Sample prices for the best rating class for a 45-year old male for a 20-year level term: AmountSBLI (A+) RatedAIG (A) RatedProtective (A+) RatedWestern-Southern (A+) Rated $100,000$17.05$20.20$16.55$27.76 $200,000$28.88$34.48$33.10$50.96 $500,000$52.64$53.29$52.41$88.27 $750,000$76.34$77.13$78.61$130.13   By comparing rates, we can see $750,000 of life insurance with SBLI will cost less than $500,000 with W&S Life.     Receive an instant quote from Western & Southern here then compare rates with nation’s other top life insurances by clicking on the green button blow.      We want to hear from you about your experience with Western & Southern Life Insurance. Voice your opinion.  Was it positive or negative?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below right now. *$38.22 is the monthly rate for $200,000 policy on a 20 year term for a 40 year old male at the best health class. Share...

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Banner Life Insurance Company Review

Posted by on Sep 18, 2013 in Term Life, Universal Life | 1 comment

Banner Life Insurance Company Review

Banner Life Insurance Company Review Pros: Price- Banner Life Insurance Company is typically one of lowest priced term life companies in America while still having an A+ (Superior) A.M. Best rating (2nd highest rating available).  In addition to their low premiums and high financial rating, they have very favorable underwriting. Cons:  There aren’t too many negative aspects to this company especially when you look at the good.  One perceived weakness is their brand recognition in America.  They’re not a household name in insurance such as MetLife or AIG. Bottom Line: Right now Banner is one of the best term life insurance companies in America in 2016.  With favorable underwriting guidelines, an A+ Superior rating and some of the lowest term life rates bar none, Banner is typically a top choice.      About Type: Public Limited Company Subsidiary of: Legal & General Founded: 1836- Legal & General Underwritten by: Banner Life Insurance Company Website: lgamerica.com Phone: (800) 838-8428 Address: 3275 Bennett Creek Avenue, Maryland, 21704 A.M Best Rating: A+ (Superior) 2nd highest of 16 possible ratings Comdex Ranking: 94 out of 100 BBB Rating: A+ Insurance In-Force: $437 Billion Competition: New York Life, Northwestern Mutual, Mass Mutual, MetLife, John Hancock, Principal, State Farm, Allstate, AIG, Ohio National Life, SBLI, Protective Life, Primerica, State Farm, USAA, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential.   Banner Life Term Life Insurance Rates 2016 vs the Competition? Sample annual rates for a $250,000 20 year term policy for a 40 year old male at the standard (average) health class: Banner: $416.48 SBLI:$416.49 AIG: $416.50 Mutual of Omaha: $420 MetLife: $421.50 Pacific Life: $437.50 Genworth; $440 Protective: $446.21 Transamerica: $455 Voya: $462.50 New York Life: $485 Nationwide: $492.50 Primerica: $520 Prudential: $525 MassMutual: $555 John Hancock: $597.50 Buy it or keep looking? As an independent agent who has access to the top companies in America, I can tell you from experience that Banner Life is one of those companies who is almost always at the top of the list.  Not only are they the one of best priced term companies in America, they have an A+ Superior A.M. Best financial rating and liberal underwriting.  You can keep looking if you receive a quote from Banner but you probably won’t find a much better deal as far as finding a company that meets thee three criteria of; excellent rate, rating and underwriting.   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...   To receive a quote from Banner Life instantly and to compare their rates to competitors, click on the green button below.    We want to hear about your experience with Banner Life Insurance. Voice your opinion.  Was it positive or negative?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below right now. Share...

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