After you review the list below, please visit our Life Insurance Page so you can compare free life insurance quotes from the Top Life Insurance Companies for free. You will be asked to fill out a form which takes about a minute, then you will receive the five lowest quotes for term life insurance from the best-rated insurance companies at no charge! The Top 10 Life Insurance Companies – Revenues and Financial Strength Ratings by A. M. Best Company

1. ) MetLife Life Insurance Company – A+, Superior

2. ) Prudential Financial Life Insurance Company – A+, Superior

3. ) New York Life Insurance Company – A++, Superior

4. ) TIAA-CREF Life Insurance Company – A++ , Superior

5. ) Massachusetts Mutual Life Insurance Company – A++, Superior

6. ) Northwestern Mutual Life Insurance Company – A++, Superior

7. ) AFLAC Life Insurance Company – A+, Superior

8. ) Genworth Financial Life Insurance Company – A+, Superior

9. ) Principal Financial Life Insurance Company – A+, Superior

10. ) Lincoln National Life Insurance Company – A+, Superior Term Life Insurance:

How Much Coverage is Enough: The whole idea behind any kind of life insurance is to provide money for your family if they lose you and your income. In most cases, term life insurance is a better option that whole life. Most whole life policies have some kind of savings attached to them and slowly build up a cash value over the years. The bad things about these kinds of policies is that the monthly premiums are much higher than term policy premiums and, since some of the money goes toward this cash value, they are often have less total coverage than a term policy.

In this author’s opinion, term insurance is the best bet for most people. You can often make more money on your own by investing the difference between term premiums and whole life premiums than the insurance company can. Now that that has been established, the question becomes “How much insurance do I need?” You might try a life insurance calculator which will let you put in a few numbers and then provide an estimate of you how much insurance you might need.

You always need to be careful when the company who wants to sell you a policy is telling you how much you need. You need to have a good idea of what you need before you start talking to an insurance agent or plugging numbers into a calculator. This will help you decide if the company you are looking at is trustworthy. If the agent’s or calculator’s numbers are a lot different than yours, take a look at why.

Most agents are going to be honest people and should be able to give you very valid explanations for the numbers they come up with. So, what kinds of things are you going to look at to come up with a number for coverage? Your current income and lifestyle are two important factors. Figure out about how much money your family would need to maintain their current lifestyle until your kids can start earning their own way.

You need to consider, too, what bills you may want them to be able to pay off. Paying off the mortgage and car loans will help them meet basic necessities. Take into consideration any future expenses like education. If your kids are going to college, do you want to provide them with enough to pay for the entire thing or just enough to give them a good start? If you live in a two parent household, how much will the other person be able to contribute to the income? Now that you have put together some basic information and come up with some idea of what you need, it’s time to talk to a professional. As mentioned above, a professional agent is going to be able to come up with numbers and reasons for those numbers. It’s wasteful to pay premiums on too much insurance and unfortunate to not have enough insurance to cover your family’s expenses if you pass. 

When you talk to multiple insurance companies, how do you know you are comparing similar policies?One way to take a lot of the uncertainty out of the process and streamline your ability to compare insurance quotes that you know will be similar is to use one of the many online insurance tools available that take your information and come back with multiple quotes from a number of different insurance providers. As a matter of fact many insurance providers offer this type of service. They collect your information, compile quotes from a number of insurance providers – including themselves – and return a group of these quotes back to you.

This service might not always find the insurance provider that’s offering the service quote the lowest each time, but that provider does have an advantage in seeing the other quotes before coming up with its quote and it has already collected your information. If you choose another provider you might possibly be required to re-enter your information and insurance needs at the website of your choice. A way to avoid these issues is to make use of an independent website to request and compare insurance. Advantages of independent websitesThere are two clear advantages to using an independent website for comparing insurance quotes. The first is obvious – because the independent site has no preference over which insurance provider returns the best rate, or most complete policy for the price, an independent website will return every quote it collects from various insurance providers.

The site will also not attempt to beat any quotes because it only serves as a clearinghouse for insurance quotes, it is not providing insurance. The second advantage is insurance providers have a strong interest in offering their best possible rate to independent insurance quote websites. If you are seeking auto insurance, take the time to enter your information and get back six quotes from different providers do you expect any negotiation or a new lower quote from any of the insurance companies? Of course not, you expect to get your quotes and make a decision from that list. Insurance providers know this and also know they are competing with other providers looking for your business. Knowing this ensures you will get the best possible rate from each company hoping to provide you insurance.

The same is applying for females. They pay lower premiums for the same amount of coverage as males in the same age. You think why this difference exists among the various policies, the life expectancy statistics on which insurance companies rely to determine the possibility that you will outlive the term of the policy. According to these statistics, women tend to live longer than men and this is way to create difference in premium. One more factor is your age. When you are young, that time less risk the insurance provider that you will die at a young age and therefore company will gain a profit by collecting the insurance premiums without ever having to pay out any money to your beneficiaries.

In term life insurance, if you live longer than the policy you will not receive any refund of the premiums that you paid during the term. Same condition in whole life insurance policy, you will also get a cheaper rate by purchasing the policy at an early age. The insurance company then has many years ahead in which to collect the premiums, which in many cases will total more than the amount paid out when your beneficiary makes a claim. The other factor is your occupation plays a part in the rates you have to pay for term insurance or whole or universal life insurance policy. If your career is a dangerous one in which there is a greater possibility of accidental death or events that can lead to illnesses causing death, then the insurance provider will take this into consideration.

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