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QA Expert | Choosing between Nationwide Life Insurance or MetLife Insurance. I am not sure how to choose the right compan |
Choosing between Nationwide Life Insurance or MetLife Insurance. I am not sure how to choose the right company. I'm planning to buy both life insurance for myself & husband but I want to make sure I choose the right company. Does anyone have experience with any of these company?
Additional Details
I'm considering 30 terms for est. $12/month, or whole life w/o cash buildup for $50/month. I do not want to be in the 60s and my 30 terms expire and my renewal going to be like $300++, which is why I'm considering whole life w/o cash buildup. Same goes with my husband plan. But, not sure which company and if any complains about those company. |
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Greg R
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Choosing the right company is one important aspect, but the biggest is finding the right agent who will help you plan out what you want your insurance to cover. You also want to pick the agent who will keep in touch with you b/c god forbid something does happen you would like to call someone you knew and not a 1 800 number. So pick the agent is my recommendation. As long as the price is about the same, but make sure you are comparing apples to apples. The old sang is there is no free lunch.
On a side note:
Be careful with the Universal Life policies with secondary guarantees. The premiums have to be paid for life. The are like a infinite term policy, but the draw backs are that you have zero flexibility. Meaning if you miss premium payments in your term you lose your guaranteed premium. If your young go with whole life b/c in 20 years you will have all your money back in the policy and have the flexibility to cash the policy in, use the dividends to help you pay the premium , or maybe even reduce your death benefit. |
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LifeInsuranceAgent
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why those companies as there are many others available with comparable or better ratings and a better price. Get term insurance for your temporary needs such as mortgage, etc..
if you want permanent insurance, get a "no lapse guaranteed universal life" policy. this will give you a lifetime guarantee for a lower price than a whole life plan. |
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Darby
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To my knowledge, they are both reputable companies. You are wise to get life insurance before you get too old or get a health problem like high blood pressure. I think you should be sure to get TERM life insurance--that means your beneficiaries will get the insurance upon your death, regardless pretty much of any cause. ACCIDENTAL life insurance is usually cheaper, but that only pays your beneficiaries if you die as a result of an accident. Some insurance policies offer dividends and savings plans that add to the amount of the benefits paid out at the time of death. Look at what you can afford. I'd go for the basics myself--the largest amount of coverage for the lowest premium, with no add ons. |
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MissV
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Do a search and find out which company walked out on its policyowners in New Orleans and other areas affected by Hurricane Katrina. Then, figure whether or not you can trust them to be there to pay out your claim upon your death. |
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Zarnev
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Both companies are decent. MetLife has been around a lot longer and generally has a better reputation as far as life insurance goes. They are both A rated carriers. |
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aaron p
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How did you even narrow the field to those two? Maybe that will give you clues about which company to go with. Then again, maybe it will be a clue that you should consider all the other good companies out there again.
Try working with an independent insurance broker who has access to those companies and many others. Once you find the most competitive companies for your situation, finding a high quality company in the top five should be very easy. |
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