I’m going to talk about some of the best life insurance companies out there, why I like them, and how you can compare rates among all those companies coming up. If you’re looking for life insurance, you might be trying to figure out which is the best life insurance company out there for me? Who should I go with? Maybe somebody recommended a company to you and you don’t know if they’re just recommending that company because they work for the company or are they really the best life insurance company for you? At ChooseTerm.com, we are independent life insurance agents. What does that mean? It means that we work with over 30 life insurance companies and we’re not biased. We just work with the best life insurance companies out there. Which ones are some that we like? Let’s start off with Banner Life Insurance.
Banner Life Insurance is a company that’s been around since 1949. They have an A+ rating and they just have excellent life insurance rates. We like Banner Life. We also like them for some preexisting conditions. For example, if you have diabetes, Banner Life might be a good choice for you. American General Life Insurance is another company that we like. American General been around over 160 years. They have 13 million customers, and they’re an excellent life insurance company. We like them also because of their excellent rates and they also may be good for certain preexisting health conditions. We like Transamerica; Transamerica is an A+ rated company. They’re one of the few companies that offers term life under $100,000. You can get a term life policy or a permanent universal life policy with Transamerica for as little as $25,000 in coverage. Most life insurance companies out there start at $100,000 or more.
We like Transamerica. Transamerica also offers no medical exam life insurance so it’s another great option if you’re looking to avoid the whole medical exam part of getting life insurance, Transamerica might be a good choice for you. Prudential, another solid company; A+ rated company, been around many, many years. You’ve probably heard of Prudential. Prudential’s an excellent company. They’re really good for certain things. They do have competitive rates. They are also good, for example, if you use chewing tobacco but you don’t smoke cigarettes. Prudential’s probably the only company that will offer you non-smoker rates. Also, if you use something like a nicotine patch, they’ll offer you non-smoker rates. They’re particularly good for this. Prudential also offers life insurance to active military. Even if you have deployment papers, Prudential will still insure you. The only caveat is you have to sign the application in the US.
Prudential’s also good for certain preexisting health conditions. We like MetLife. MetLife also, sometimes, they have competitive rates for higher dollar amounts. When you’re talking about $500,000, $1 million policies, MetLife can be more competitive there, that’s typically when we use them. They also insure active military personnel, so they can be a good choice for that, as well. We like Protective Life, a company that you may not have heard of, but they’re another A+ rated company with just solid, excellent rates.
When they come up and they have the best rates, we like to go with Protective Life Insurance. Another company like we like to work with is ING. ING is particularly good in a couple different situations, but ING and both Banner Life do not discriminate for family history of cancers. What does that mean? It means that a lot of life insurance companies will give you a lower health rating, and in turn, a higher price for insurance if one of your parents has had cancer.
ING and Banner Life both don’t do that. ING is also an excellent company if you’re a scuba diver. ING allows you to have unlimited dives per year up to 100 feet, without charging you additional money for life insurance. When it comes to scuba diving, ING can be a good choice. Going back to American General, they can be a great choice when it comes to cigar smoking. If you smoke a cigar, you can still get non-smoker rates with American General, even if you smoke up to one cigar per week. We work with a lot of life insurance companies, and the benefit of working with independent agents like ChooseTerm.com is that we know which companies are going to offer you the best rates in certain situations, especially if you do smoke or have a preexisting health condition.
You want to make sure that you’re working with the best company for you. It doesn’t mean that another life insurance company won’t cover you, but they may not offer you the best rates. What we do is find out what your specific situation is and then we match you up with the best possible life insurance company for you specifically. These are just some of the life insurance companies we like. We also do no medical exam life insurance. We work with ANICO (American National Insurance Company). We work with Fidelity Life. We work with Transamerica. There’s several companies that offer no medical exam; Assurity Life. We find out what you’re looking for, we help you figure out what the best options are for you, and then we match you up with the right company, helping you find the best life insurance company for you.
There really isn’t one best life insurance company specifically for everybody. The best life insurance company is the one that’s going to offer you the best rates, that’s a high-quality company at the best prices with the best type of coverage. We work with you to figure out which company that is and how we can help you save money on life insurance.
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