 Granny in nursing home, money runs out, keep private room with Medicaid? |
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Junebug | Anyone know the best company to go to for life insurance? |
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jehicksiii
|
All insurance companies pay into a fund in the state where they are domiciled so that if the company defaults the policy holders will not loss their benefits. So now the question becomes where can I get the lowest price for a specific amount of life insurance? This will depend on a number of personal factors like age, weight, health, etc. Every carrier has different underwriting practices. It would be nice if you could apply to as many insurance companies as possible except for one factor; the parameds. Each company will want to draw blood, take a urine sample and validate your height and weight. So today the best way to select and insurance carrier is to go through an on-line broker like Matrix Direct. The broker will have experience with many carriers and will know, given your personal health situation who will likely cover you for the least cost. Talk to several brokers before you decide where to place your business. One other piece of advise; buy term and invest the rest. Insurance is for financial protection not investing. Decide the amount of protection your family will need if you die prematurely and buy that amount of insurance for the period of time that the need will last. Good luck |
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Reenie
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It's best to shop around with at least 3 different companies for the best quote. Here's a good site for recommendations about life insurance. http://insurance.divinfo.com/ |
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snoweyowl44
 |
AARP My Mom had insurance with them, her payments were reasonable enough for a women on Social Security to pay without having to go without anything, I was Ben. and they made it so easy, got the money quickly, full filled her wishes within a couple weeks. They were assume. |
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The Betz
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USAA. |
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just wondering
 |
I cant believe no one has said this yet... AFLAC! definately the duck. I have a great agent, if you live in MA or RI let me know, ill get you his info. |
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Hadley
|
There are several excellent life insurance companies.
Some things to consider are the financial strength rating, the customer service, and the rates offered for the type of life insurance you need.
Top life insurers include Prudential, Liberty Mutual, Northwestern Life, New York Life, etc.
Top Term Life Insurance Companies
New York Life A++ rated by A.M. Best
Nationwide A+ rated
Globe Life Insurance Company A+ rated
Allstate A+ rated
Prudential Life Insurance A+ rated
Liberty Mutual A rated
Farmers A rated
State Farm A++ rated
AAA Life Insurance A- rated
Metropolitan (MetLife) A+ rated
Northwestern Mutual A++ rated
AIG A++ rated
Liberty National A+ rated
Mutual of Omaha A rated
Country Insurance A+ rated
MEGA Health and Life A- rated
American Family A+ rated
RBC Insurance A rated - No Physical Exam Required
I hope that helps! You can compare quotes instantly, from all of the above firms at https://www.efinancial.com/smartquoteefc.aspx?source=389-777
Best of luck to you. |
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efrankdeniro1
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you have to compare |
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yuki_natsuo
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you should check with each insurance companies their rates and how much u can get at the end of the term. its not bout which is the best company.its about ur trust with the life planners and your needs...like how much u need ur coverage,how much you can afford and so on |
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bunnicula
|
State Farm is killer! |
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crossbones668
|
Rates vary between companies depending on your age, what you do, how much you want, health history, where you live, and what other policies you have. Also, their is a huge difference between term life and whole life policies. Whole life actually accumulates wealth, but usually only makes sense if you are under thirty. Term life does not accumulate wealth, but is more affordable over thirty. Shop around and get several qoutes. |
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deep5223
|
Do your own comparisons. Go to insureme.com and answer the questions to get quotes. |
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Zach C
 |
NML!!!!! |
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Joe
|
Find a good Agent to help you. The quotes on line are a general quote and they are not taking into consideration your health, finances, resources or debt that you may have. The on-line quotes will bombard you with spam mail and sell your information to Agents that buy your lead and call you trying to sell you a life policy.
No one can help you better than an independent Agent that will show you a comparison of 8 different companies. All companies should be A rated or better. The Agent will help you determine the correct amount of coverage you need and if you should be looking at term or permanent coverage.
Your P & C Agent will try to sell you his company's policy and say you are getting a discount due to having your homeowners and auto with him. This is ok until you shop out your Auto coverage and change companies. Also these policies are usually not the best prices. I recommend contacting a Life Insurance Agent that is not biased and that your friends and family have referred to you.
My favorite companies for permanent Insurance;
New York Life, Mass Mutual, Northwestern Mutual
Term;
American General, Lincoln Life, Prudential
Good Luck |
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