Insurance Providers’ Ratings and Reviews
PROVIDING TOP-RATED LIFE INSURANCE COVERAGE AT THE LOWEST COST AVAILABLE
At Term Life Advice, we understand that there are hundreds of companies to choose from when purchasing your life insurance. Our goal is to find the top-rated company that will provide you with the policy you need, at the lowest rates. Below we’ve provided an extensive review our top 30 life insurance providers including pricing, underwriting leniency, financial stability, and customer service.
Life Insurance Company Ratings and Reviews
All of the life insurance companies that we work with are A-or better rated by AM-Best, the largest and most well-known financial rating company in the insurance industry. A.M. Best is a U.S.-based rating agency that was founded in 1899 and they continue to be the most trusted insurance rating agency for consumers.
Our life insurance company ratings and reviews take a closer look at each company’s financial stability and focus on customer service, pricing, products, and underwriting niches. Every life insurance company has its strengths and weaknesses with underwriting life insurance; they also set and charge their own rates.
Some life insurance companies specialize in insuring diabetics, or applicants that are 60 or older, while other life insurance companies try to market to young and healthy people only. These company strengths are also known as underwriting niches.
As an example, some life insurance companies will not offer life insurance to someone who is diabetic, or over the age of 65, while other life companies specialize with these types of applicants. If you are in excellent health, have a few health issues, or are considered a “high-risk” for coverage, we can help.
We specialize in finding the most affordable life insurance for anyone between the ages of 30-80, no matter what type of health you are in. By having access to so many top-rated life insurance companies, we can usually find the best life insurance company for your needs.
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By shopping the market, we’ve been able to save some of our clients up to 73% on life insurance.
By working with dozens of life insurance companies, we can usually provide our clients with substantial savings on their life insurance. If you purchased your life insurance through your work; are you paying a “Group Rate” for your coverage? Most “Group” life insurance plans consider the healthiest, and the least healthiest person at your work, to determine a collective or average “risk”. The “risk” of your “group” determines the rates that everyone must pay for their life insurance.
If you’re in better than average health or a non-smoker, you’re probably overpaying for your life insurance. Not only are these life insurance polices expensive, they are not transferable. If you ever leave your job, say goodbye to your coverage. By buying your own life insurance policy, you can maintain your coverage despite job changes, and you may be able to buy more protection for less money.
Did you buy your life insurance policy from the same company that handles your home and auto insurance or a local agent? Most local agents only represent one company, in the industry these agents are referred to as “captive agents” because they cannot sell insurance for any other companies. However, home and auto insurance companies do not specialize in life insurance and their rates for life insurance are not competitive. If you purchased your life insurance from a “Big-Box” insurance company, you’re probably paying at least 30% more than you should.
“But I like knowing my insurance company will be there when I need them…”
The insurance companies you see on TV are not as big as they seem. As an example, State Farm accounts for roughly 2% of the life insurance market share in the United States*. Despite their relatively small market share, many consumers mistakenly believe that State Farm is the largest life insurance company in America. On the other hand, a company like Prudential, that does not spend millions on Super Bowl commercials, actually accounts for about three times the market share.
Prudential, is also an “A+ Superior” rated company by A.M. Best, and they have been in business for more than 140 years, which is almost twice as long as State Farm*. Most importantly, like all of the other companies we represent, they have never failed to pay a valid life insurance claim. With all of these life insurance ratings and reviews, selecting the best company may seem overwhelming, so how do you decide which company is best?
Best Life Insurance Companies
Remember, every life insurance company has it’s own underwriting guidelines and rates. The best life insurance company is the top-rated life insurance company that will provide you with the coverage you need, at the lowest rate available. By working with dozens of A-or better rated companies, we are able to impartially shop the market to find our clients the life insurance policy they need at the lowest rates. In just a few minutes we can shop over 63 top-rated life insurance companies to find your best options for coverage.
We specialize in all forms of term life insurance including; 10, 15, 20, 25, and 30 year terms with or without a medical exam. We also offer guaranteed universal life insurance also known as term-to-90, 95, 100, 105, 110, 120, and 121. Many people prefer these types of life insurance policies to traditional whole life insurance, because they usually offer more coverage at a lower rate. In addition, your rates and coverage are locked in and guaranteed for a set number of years or the “term” of the policy.
If you need less than $50,000 of life insurance coverage, we also offer traditional whole life insurance with rates that are guaranteed not to increase until the age of 100 or later. These policies are available to healthy applicants up until the age of 80 and do not require a medical exam. If you have a few health issues, we can also offer guaranteed issue life insurance to most applicants between the ages of 50 and 80. We’d be happy to compare all of your options to find the life insurance policy that is the best for your situation.
We’re here if to help! For more information, or if you have questions, call us toll-free at 855-902-6494. If you want to get a better idea of the amount of coverage you need, we’ve created this life insurance guide and calculator to help you get started. If you already know you much coverage you need, you can also request a free life insurance quote below to instantly shop rates from dozens of companies in less than a minute.