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Baltimore Life Insurance Company Review

Posted by on Aug 3, 2014 in No Exam, Term Life, Universal Life, Whole Life | Comments Off on Baltimore Life Insurance Company Review

Baltimore Life Insurance Company Review

Baltimore Life Insurance Company Review Pros: Stability– Baltimore Life has been in business for over 130 years and is the thirty-sixth oldest life insurance company in the U.S.  Cons:  Their term rates are not the most competitive and their A.M. Best rating is not in the A- (Excellent) or better category that see with many of the companies we review. Bottom Line: The Baltimore Life Insurance Company has been around since 1882 and has met their financial obligations (paid out claims) to their policyholders for the past 130 years.  Baltimore Life provides a variety of life insurance products to meet almost any need, including their popular life insurance solutions for seniors.  However, their financial rating of B++ is a little lower than many of the other top companies we reviewed.  Although a B++ financial rating from preeminent ratting agency A.M. Best is still categorized as (Good).  Also, their term rates were not the most competitive with some of the other companies available on the market. Bottom line, as with all the companies we review, we recommend that you receive a quote from Baltimore Life Insurance Company and from the other top companies and choose the best one for you. About Type: Mutual Insurance Holding Company Issued by: The Baltimore Life Insurance Company Founded: 1882 Website: baltlife.com Phone: (800) 628-5433 Address: 10075 Red Run Blvd, Owings Mills, MD, 21117 A.M Best Rating: B++  (Good) Fifth highest of 16 possible ratings Comdex Ranking: N/A BBB Rating: A+ States Operate In: Licensed in 49 states and the District of Columbia Life Insurance Products: Senior Life Insurance (Covers Funeral and burial costs), Single Premium Whole Life Insurance  (Maximize and estate), Mortgage Insurance (No exam life insurance), Participating Whole Life Insurance (Coverage that lasts a lifetime), Level Term (Protects income and children for a designated term) and Annuities. Competitors: 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, Mutual of Omaha, John Hancock, PennMutual, Principal, TIAA-CREF, Guardian, 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, New York Life, Northwestern Mutual, 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,  MassMutual. Price Comparison Sample rates for a $250,000 policy on a 20-year term at each company’s standard health class, for a 40-year old male, non-smoker. AgeBaltimore LifeAIGBanner LifeNW Mutual 40$53.58$41.26$41.34$52.04   What is your experience with Baltimore Life Insurance Company?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below.     Share...

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Royal Neighbors of America Review

Posted by on Aug 2, 2014 in Final Expense, No Exam, Term Life, Universal Life, Whole Life | Comments Off on Royal Neighbors of America Review

Royal Neighbors of America Review

Royal Neighbors of America Review Pros: History– Royals Neighbors of America was has been in business since the late nineteenth century and has a track record of stability. Variety of Products– Royal Neighbors Life Insurance offers an impressive selection of products that include: term life, whole life, universal life, annuities and popular final expense policies that offer an immediate underwriting decision at the point of sale. Cons: Royal Neighbors has competitive rates but often not the absolute lowest. Bottom Line: Royal Neighbors of America was founded by women over one hundred years ago and today is one of the largest women run life insurance companies in America.  RNA has an impressive selection of life insurance product offerings.  The bottom line, as with all the life insurance companies we review, we recommend you receive a quote from Royal Neighbors of America and also from the other top life insurance companies and choose the best one for you. About Type: Fraternal Beneficiary Society Issued by: Royal Neighbors of America Founded: 1895 Website: royalneighbors.org Phone: (800) 627-8645 Address: 230 16th Street, Rock Island, IL 61201 A.M Best Rating: A- (Excellent) Fourth highest of 16 possible ratings Comdex Ranking: N/A BBB Rating: A+ States Operate In: AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, ME, MN, MS, MO, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SD, TN, TX, UT, VA, WV, WI, WY. Life Insurance Products: Term Life Insurance, Whole Life Insurance and Universal Life Insurance, Burial Life Insurance, Final Expense Life Insurance and Annuities. Competitors: Foresters, 5 Star Life Insurance Company, Oxford, Americo, United Home Life, Monumental, The Baltimore Life, 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, Mutual of Omaha, John Hancock, PennMutual, Principal, TIAA-CREF, Guardian, 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, New York Life, Northwestern Mutual, 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,  MassMutual. Price Comparison Term Life Sample rates for a $250,000 policy on a 20-year term at each company’s preferred health class, for a 40-year old female, non-smoker. AgeRoyal NABanner LifeAIGMetLife 40$24.79$21.22$21.57$29.61 To receive an instant quote from Royal Neighbors of America click here. To compare rates from the nation’s top life insurance companies click the green button below. What is your experience with Royal Neighbors of America?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. Share...

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Country Financial Life Insurance Review

Posted by on Jul 31, 2014 in Term Life, Universal Life, Whole Life | Comments Off on Country Financial Life Insurance Review

Country Financial Life Insurance Review

Country Financial Life Insurance Review Pros: Size– Country Financial is ranked at #668 in 2014 on the Fortune 1000 list with $3.4 billion in revenues.  Local Agents– Country Financial employs the local agent business model which many people still prefer.  Variety of Products– True to their roots, Country Financial still offers farm and crop insurance in addition to the traditional; auto, home, renter’s, commercial, disability, life and commercial insurance. Rating– Country Life Insurance Company has an A+ (Superior) financial rating from the preeminent rating agency A.M. Best. Cons: Their life insurance rates are not the cheapest compared to what is available on the open market. (See the Price Comparison Table Below) Bottom Line: Country Financial is a highly rated insurance company that has been around for more than 80 years and with local agents in the communities in which they do business. They operate in 17 states and insure over one million households, businesses and vehicles.  In comparing their term life insurance rates- they were more expensive than many of the other companies available on the market.  We recommend, as with all the life insurance companies we review, to receive a quote from Country Life Insurance Company and also from the other top companies and choose the best one for you. About Type: Mutual, Stock Issued by: Country Life Insurance Company & Country Investors Life Assurance Company Founded: 1929 (Life Insurance Division) Website: countryfinancial.com Phone: (866) 268-6879 Address: 1701 Towanda Ave, Bloomington, IL, 61701 A.M Best Rating: A+ (Superior) Second highest of 16 possible ratings Comdex Ranking: 87 out of 100 BBB Rating: A+ (Country Insurance and Financial Service) States Conducts Business in: Alaska, Alabama, Arizona, Colorado, Georgia, Illinois, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Wisconsin, and Washington. Life Insurance Products: Term Life Insurance, Whole Life Insurance and Universal Life Insurance. Competitors: 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, Mutual of Omaha, John Hancock, PennMutual, Principal, TIAA-CREF, Guardian, 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, New York Life, Northwestern Mutual, 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,  MassMutual. Price Comparison Sample rates for a $250,000 policy on a 20-year term at each company’s best health class, for a 40-year old male, non-smoker. AgeCountry FinancialAIGMetLifeBanner Life 40$28$20.04$23.54$22.53     What is your experience with Country Life Insurance Company?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. Share...

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American Family Life Insurance Review 2016

Posted by on Jul 30, 2014 in No Exam, Term Life, Universal Life, Whole Life | Comments Off on American Family Life Insurance Review 2016

American Family Life Insurance Review 2016

American Family Life Insurance Review 2016 Pros: Discounts– American Family Insurance offers a five percent discount on their auto insurance rates if you or a member of your household has both an auto and life insurance policy with them. Variety of Life Insurance Products– American Family Insurance offers a wide range of life insurance policy options including: no medical exam life insurance, term life insurance, universal and whole life insurance.  Local Agents– American Family Life Insurance still uses a local agent business model.  Many consumers still prefer to conduct business with someone face to face with a brick and mortar office in their community. Size– American Family Insurance is a Fortune 500 company (#373 in 2014) with revenues in 2008 exceeding $6.7 billion. Convenience– Similar to other well-known auto and home insurers such as:  Allstate, Farmers, Nationwide and State Farm– American Family Insurance offers property and casualty insurance.  This allows customers to bundle all of their insurance policies with one company. In addition to life insurance, American Family Insurance offers products such as; home, auto, umbrella, business, health, farm and ranch insurance, recreational vehicle, business and travel insurance.  Cons: Their aren’t too many cons with this company. Bottom Line: American Family Insurance is a Fortune 500 company that operates in 19 states and has been around for more than 80 years.  Their extensive product selection offered by their life insurance division- American Family Life Insurance Company is impressive.  With a recent rate reduction their life insurance prices are competitive with many of the top insurers in America.  As we suggest with every company we review, we recommend you receive a quote from American Family Life Insurance but also from the other top companies as well and choose the best one.   About Type: Mutual Issued by: American Family Life Insurance Company Founded: 1927 Website: amfam.com/products/life/default.asp Phone: (800) 692-6326 Address: 6000 American Parkway, Madison, WI 53783 A.M Best Rating 2016: A (Superior) Third highest of 16 possible ratings Comdex Ranking: 82 out of 100 BBB Rating: B+ (American Family Insurance) States Conduct Business in: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin. Life Insurance Products: SimilyProtected (Simplified issue-no exam term life insurance, coverage ranges $50k to $150k.) Term Life Insurance (Traditional level term life insurance available in 10, 20 and 30 year terms.) MyLife (Flexible life insurance broken into two types called Freedom-a paid up type of policy and Legacy a cash value type of policy.) Whole Life Insurance (Coverage for life but more expensive than term life insurance.) Price Comparison Sample rates for a $250,000 policy on a 20-year term at each company’s standard health class, for a 40-year old male, non-smoker. AgeAmFamBanner LifeAIGMassMutual 40$44$37.84$37.98$48.29     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... American Family term life insurance reviews- American Family is competitively priced but may not be the absolute lowest rate. We recommend that you receive a...

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National Western Life Insurance Review

Posted by on Jul 28, 2014 in Term Life, Universal Life, Whole Life | Comments Off on National Western Life Insurance Review

National Western Life Insurance Review

National Western Life Insurance Review Pros: Stock Price– National Western Life Insurance Company is financially strong with an A (Excellent) rating from A.M. Best and a current stock price (as of this writing) is $247.83 a share. Advanced Product Offerings– NWL offers a diverse selection of life insurance interest sensitive life insurance products and annuity contracts for asset accumulation and retirement needs. Cons: Their term life insurance rates are not the most competitive available.  (See table below) Bottom Line: National Western Life Insurance Company has been around since 1956 and is a financially strong insurer that has an A (Excellent) rating from the preeminent rating agency A.M. Best.  National Western Life caters more to wealthy individuals as many of their product offerings are interest sensitive such as universal life, whole life and annuity contracts. When comparing their traditional term life insurance prices we found that they are not the most competitive available on the market.  As with all the companies we review, we recommend that you receive a quote from National Western Life Insurance and from the other top life insurance companies in America and choose the best policy for you. About Founded: 1956 Type: Public Company- NASDAQ: NWLI Website:  nationalwesternlife.com Phone: (800) 531-58442 Address: 850 East Anderson Lane, Austin, TX 78752 A.M Best Rating: A (Excellent) Third highest of 16 possible ratings Comdex Ranking: 79 out of 100 BBB Rating: A+ Life Insurance Products: Products: Term Life Insurance, Universal Life Insurance, Whole Life and Annuity products Competitors: 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, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, TIAA-CREF, Guardian, 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, New York Life, Northwestern Mutual, EMC National Life, Motorists Life, Pan-American Life, National Life Group, American Family, Shelter, HoraceMann, Country Financial, Group Life Insurance, Supplemental Life Insurance, Aflac, Voluntary Life Insurance, Unum,  MassMutual.   Price Comparison Sample rates for a $250,000 policy on a 20-year term at each company’s preferred health class, for a 40-year old male, non-smoker. AgeNWLIAIGBanner LifeMetLife 40$31.60$24.85$25.59$33.44     What is your experience with National Western Life Insurance Company?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. **This review is for the traditional term life insurance product of National Western Life Insurance Company.  This review did not asses their interest-sensitive products such as universal, whole life or their annuity products. Share...

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Standard Life and Accident Review

Posted by on Jul 27, 2014 in Term Life, Whole Life | Comments Off on Standard Life and Accident Review

Standard Life and Accident Review

Standard Life and Accident Review Pros: Competitive Pricing: Standard Life & Accident has very competitive rates on traditional term life insurance (see table below). Senior Friendly– SLAICO is recognized as a premier insurer for the senior market. Cons: Their website has some good information on various insurance products but when it comes to information on the insurance company itself it is very scarce. Bottom Line: Standard Life and Accident Insurance Company is a leading provider of Medicare Supplement insurance products for seniors.  They also offer very competitive pricing on traditional term life insurance.  As with all the insurers we review, we recommend you receive a quote from Standard Life and Accident Insurance Company but also from the other top insurance companies as well and choose the best one for you. About Founded:1948 Type: Subsidiary of American National Insurance Company (ANICO) Issued by: Standard Life and Accident Insurance Company Website: www.slaico.com Phone: (888) 519-5819 Address: 2450 S Shore Blvd #500, League City, Texas 77573 A.M Best Rating: A (Excellent) Third highest of 16 possible ratings Comdex Ranking: 76 out of 100 BBB Rating: A+ Life Insurance Products: Term Life Insurance, Final Expense Whole Life (AdvantageGuard), Single Premium Whole Life (Classic Elite), Modified Whole Life for Children and Grandchildren, Group Life Insurance and Annuity Products. Competitors: 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, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, 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, EMC National Life, Motorists Life, Pan-American Life, National Life Group, American Family, Shelter, HoraceMann, Country Financial, Group Life Insurance, Supplemental Life Insurance, Aflac, Voluntary Life Insurance, Unum,  MassMutual. Price Comparison Sample rates for a $250,000 policy on a 10-year term at each company’s preferred health class, for a 40-year old male, non-smoker. AgeStandard Life & AccSymetra Life MetLifeJohn Hancock 40$28.51$26.69$32.31$35.26 What is your experience with Standard Life and Accident Insurance Company?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. To compare rates from the nation’s top life insurance companies click the green button below. Share...

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Illinois Mutual Life Insurance Review

Posted by on Jul 26, 2014 in Term Life, Universal Life, Whole Life | Comments Off on Illinois Mutual Life Insurance Review

Illinois Mutual Life Insurance Review

Illinois Mutual Life Insurance Review Pros: Longevity– Illinois Mutual was founded in 1910 giving customers peace of mind IMLIC will be around to meet future obligations.  Top Seller List– Illinois Mutual is ranked 127 on the Top 200 Life Writers in America.  Family Operated Business– Illinois Mutual Life Insurance Company is a fifth generation family run mutual company that prides itself on top notch customer service. Cons: Illinois Mutual Life Insurance Company prices are not the cheapest available.  Also, their B++ (Stable) financial rating from A.M. Best is a little lower than the A (Excellent) to A++ (Superior) range that we normally like to see from a top life insurer. Bottom Line: Illinois Mutual Life Insurance Company is a financially stable, family operated mutual life insurance company that focuses on providing the best customer service to their policy holders.  Having been around for over 100 years and operating in 47 states, it’s easy to see why Illinois Mutual Life Is the 127th largest writer of life insurance in the country.  However, with a current B++ financial rating from A.M. Best and having term life insurance rates that are higher than some of the other top life insurers; we recommend that you receive a quote from Illinois Mutual but also from other top insurers as well and choose the best one for you. About Type: Mutual Company Issued by: Illinois Mutual Life Insurance Website: illinoismutual.com Phone: (800) 437-7355 Address: 300 SW Adams, Peoria, IL 61634 A.M Best Rating: B++ (Stable) Fifth highest of 16 possible ratings Comdex Ranking: NA BBB Rating: A+ Life Insurance Products: Term Life Insurance, Universal Life Insurance, Whole Life Insurance, Modified Death Benefit Whole Life, Level Death Benefit Whole Life and Workplace Insurance and Annuity Products. Licensed: Conducts business in 47 states Competitors: 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, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, 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, EMC National Life, Motorists Life, Pan-American Life, National Life Group, American Family, Shelter, HoraceMann, Country Financial, Group Life Insurance, Supplemental Life Insurance, Aflac, Voluntary Life Insurance, Unum,  MassMutual. Price Comparison Sample rates for a $250,000 policy on a 10-year term at each company’s standard health class, for a 40-year old male, non-smoker. AgeIllinois Mutual Banner LifeAmerican GeneralMetLife 40$53.02$37.84$37.98$44.24 To receive an instant quote from Illinois Mutual click here.  To compare rates from the nation’s top life insurance companies click the green button below. What is your experience with Illinois Mutual Life Insurance Company?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. Share...

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Pan-American Life Insurance Company Review

Posted by on Jul 26, 2014 in Term Life, Universal Life | Comments Off on Pan-American Life Insurance Company Review

Pan-American Life Insurance Company Review

Pan-American Life Insurance Company Review Pros: History– Pan-American Life has been in business for over 100 years demonstrating a track record of stability.  Strong Latin America Presence– Pan-American is one of the leading underwriters in Latin America and the Caribbean.  Hispanic Community– Pan-American Life is ranked number eleven on HispanicBusiness 100 list of the largest Hispanic businesses in the United States. Cons: Their term life insurance rates are not the least expensive available (see the price comparison table below). Bottom Line: Pan-American Life is a strong insurance company as it has been around for over one hundred years with an A (Excellent) financial rating by A.M. Best in 2014.  While Pan-American Life Insurance Company may not be a household name in the United States, the New Orleans based insurance company does have a strong presence in Latin America and the Caribbean.  In 2014, Pan-America Life ranked number one on the HispanicBusiness 100 list of companies in the financial sector as seventy percent of their overall company employees are Hispanic.  However, when comparing their rates they did not have the lowest prices available.  As we suggest with every insurer we review, we recommend that you receive a quote from Pan-American Life but also compare it to the other top life insurance companies and choose the best company for you. About Type: Privately Held Issued by: Pan-American Life Insurance Company Website: palig.com Phone: (877) 939-4550 Address: 601 Poydras Street, New Orleans, LA 70130 A.M Best Rating: A (Excellent) Third highest of 16 possible ratings Comdex Ranking: 79 out of 100 BBB Rating: A+ Life Insurance Products: Term Life Insurance, Universal Life, NexGenUL, Group and Annuity Insurances. States Operate In: Licensed in 47 states and the District of Columbia Competitors: 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, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, 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. Price Comparison Sample rates for a $250,000 policy on a 10-year term at each company’s standard health class, for a 40-year old male, non-smoker. AgePan-AmericanProtective Life Banner LifeMassMutual 40$32.19$23.08$23.63$35.67 What is your experience with Pan-American Life Insurance Company?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. Share...

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EMC National Life Company Review

Posted by on Jul 20, 2014 in Final Expense, No Exam, Term Life, Universal Life, Whole Life | Comments Off on EMC National Life Company Review

EMC National Life Company Review

EMC National Life Company Review Pros: Plethora of Life Insurance Products– EMC National Life Company (EMCNL) offers a very wide range of life insurance solutions to fit nearly any need.  Record High Capital Surplus– EMC National Life ended 2013 with a company record high in capital and surplus with $93.60 million in reserve. Cons: There aren’t too many cons with EMC National Life.  Although, they’re competitive on pricing they typically will not have the absolute lowest rate in the country on their term products.  Also, the company is relatively new, formed in 2003, in comparison to other top insurers. Bottom Line: EMC National Life Company, and affiliate of EMC Insurance Companies (EMC), is a solid insurance company with competitive prices.  Their life insurance offerings are impressive, which can be seen below in the Life Insurance Products section.  As with all the life insurance companies we review, we recommend that you receive a quote from EMCNL but also from the other top life insurers as well to ensure you are receiving the best rate and policy. About Type: Privately Held Issued by: EMC National Life Insurance Company Website: emcnationallife.com Phone: (800) 232-5818 Address: 699 Walnut, Suite, 1100, Des Moines, Iowa 50309 A.M Best Rating: A- (Excellent) Fourth highest of 16 possible ratings Comdex Ranking: None BBB Rating: A+ Life Insurance Products: Term Life Insurance, Instant Issue Term Life Insurance (No medical exam), Easy Choice Term (No medical exam), Youth Plus Term life insurance, Universal Life Insurance, Point-of-Sale Guaranteed Increasing Whole Life Insurance (No medical exam), Youth Whole Life Insurance, Level Whole Life, Increasing Whole Life, Easy Choice Whole Life (No medical exam), Workplace Life-Group Life- (Term and Whole Life) and Disability Insurance and Annuities. States Operate In: Licensed in 48 states and the District of Columbia Competitors: Grange Life Insurance Company, Symetra Life Insurance Company, 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, 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. Price Comparison Sample rates for a $250,000 policy on a 10-year term at each company’s standard health class, for a 40 year old male, non-smoker. AgeEMC National LifeProtective LifeBanner LifeMassMutual 40$27.81$23.08$23.63$35.67 What is your experience with EMC National Life Company?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. Share...

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Motorists Life Insurance Company Review

Posted by on Jul 20, 2014 in Term Life, Whole Life | Comments Off on Motorists Life Insurance Company Review

Motorists Life Insurance Company Review

Motorists Life Insurance Company Review Pros: Independent Agents– Motorists Mutual Insurance Company employs the independent agent business model.  This means their agents are often local members of the community and meet the client face to face, which many people prefer. Growing Company– From 2002 to 2012, their assets have increased by 84%. Cons: Their rates aren’t the lowest available. (See Price Comparison Table Below) Bottom Line: Motorists Life Insurance Company is a solid life insurer that has been around since 1965 and has seen an eighty-four percent increase in growth from 2002 to 2012.  They are also a part of the Motorists Insurance Group of companies which are a solid group of insurance companies that has been around since 1928.  However, when comparing their premium rates and A.M. Best Rating, they may be other insurers that are more competitive. As with all the companies we review, we recommend that you receive a quote and talk to an agent from Motorists Life and then also compare it with the other top life insurers as well to make sure you are getting the best deal. About Type: Privately Held Issued by: Motorists Life Insurance Company Website: motoristslife.com Phone: (888) 876-6542 Address: 471 East Broad Street, Columbus, OH 43215 A.M Best Rating: A- (Excellent) Fourth highest of 16 possible ratings Comdex Ranking: 57 out of 100 BBB Rating: A+ Life Insurance Products: Term life, whole life and annuity products. States Operate In: Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Nebraska, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, West Virginia, Wisconsin. Competitors: Banner Life, Protective Life, American General Life, Genworth Life, Cincinnati Life, Ohio National Life, 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, Primerica, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, 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. The Motorists Insurance Group The Motorists Insurance Group is composed of ten companies, serving 17 states, primarily in the Midwest region. Companies include: Motorists Mutual Insurance Company, Motorists Life Insurance Company, Broad Street Brokerage, MICO Insurance Company, Iowa Mutual Insurance Company, Iowa American Insurance Company, Wilson Mutual Insurance Company and Phenix Mutual Fire Insurance Company. Price Comparison Sample rates for a $250,000 policy on a 10-year term at each company’s best health class, for a 40 year old male, non-smoker. AgeMotorists Life Pacific LifeBanner LifeTransamerica Life 40$58.87$44.59$47.91$49;66 What is your experience with Motorists Life Insurance?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below. Share...

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