 Have you ever had a problem canceling a health insurance plan? |
| I work a full-time and a part-time job and have carried medical insurance through both employers. I no longer want to carry the insurance from the part-time employer. When I sent letter(s) to the ... |
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 Homeowners insurance that lets you have a trampoline!? |
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 Term Insurance. How much do I need and for how long? |
| I am married and in my thirties my wife is the same age. We have an 18 month child and another baby on the way. After doing some research between Whole Life and Term Insurance I decided that Term I... |
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 Pre-existing? |
| Okay we applied for Healthy New York medical insurance. It is by Community Blue but has lower premiums for small business owners. My question is I just found out that I am about 5 weeks pregnant. The ... |
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Some ... |
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| I am looking into individual health insurance. Im using a major insurance company so I dont get screwed. Can you help me decode what all this means? and if what I'm paying is worth it? My rate ... |
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| We have had 2 house fires in the last 12 years. Can they cancel us or not renew?... |
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 Have you ever? |
| droped a baby, "By accident?"... |
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cnrage | Term Insurance...help!? |
Hey so I'm recently married and want to buy some level term insurance but am not sure which is a good company to buy from. Anyone have any suggestions as to where to buy this stuff and how much to buy? |
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Bradley S
|
For the best company, coverage, and cost, try talking to an independent insurance broker. A broker works with several companies and can find the best value based on your requirements. To find a broker in your area, log on to a website like http://www.lifeinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you. |
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Hadley
|
There are several very good companies out there. I will give you a list of the top companies from the 2006 report and also let you know where you can get quotes from several of these companies.
Here you go:
The Top 10 Life Insurance Companies - Revenues, 2006
and Financial Strength Ratings by A.M. Best Company
MetLife β rated A+, Superior
Prudential Financial β rated A+, Superior
New York Life Insurance β rated A++, Superior
TIAA-CREF β rated A++ , Superior
Massachusetts Mutual Life Insurance β A++, Superior
Northwestern Mutual β rated A++, Superior
AFLAC β A+, Superior
Genworth Financial β A+, Superior
Unum Group β A-, Excellent
Principal Financial β A+, Superior
(Source β www.iii.org)
You can get free, no obligation quotes from several of these carriers online at efinancial, go to https://www.efinancial.com/smartquoteefc.aspx?source=389-707
You just fill out one form and get up to 12 instant quotes for term life insurance from top-rated insurers. If you like your quotes, you can even apply online for coverage with no obligation.
Rates vary between insurers by up to 50% sometimes, so it helps to compare several quotes.
I hope that helps! Best of luck to you. |
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Mr. Prefect
|
Most large insurance companies, since they are regulated, are all about the same. Look into the probably small monetary difference in policy structure, length of time it takes to collect on a policy in writing if possible, and even the agent you are dealing with in case you have questions. |
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aaron p
 |
Try a place that will let you see the rates for free up front like term4sale.com. Then call around to talk to local independent insurance brokers to see who you like and who offers one of the top five. There may be a considerable difference in premium, but there is almost always a high quality company in the top five.
or you can contact me. what ever. |
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keyz
 |
Go to any reputable insurance company like State Farm or American FAmily. Look for a company that is national or fairly large with an office in your area. Call around for quotes and compare prices for your age, marital status, and health. Most agents will be happy to provide you with this information. Good luck! |
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Spynacho
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I recommend State Farm. Don't really believe in Term myself. At a certain time it will run out with nothing to show for it and then you'll have to reapply and they'll have to rate for you at that age. If you can afford it try a Universal Life policy which is locked in and it accrues Cash Value. It's like renting a policy verses owning a policy......hope that helps! |
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gman
 |
These are the two best insurance companies to buy from,both are mutual companies with over 150 years in business.I work for New York Life and we are definitely the best please check us out www.newyorlife.com and let me know what you think.
How much you need? you have kids,mortgage balance,etccccccc.
1)New York Life Insurance
2)Northwestern Mutual |
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