The best company is the one that offers the best coverage at the best cost, based on your needs. What you pay will depend on a variety of factors, including your age, health, and profession. To find the best fit for you, try contacting 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.
For a decent idea, go to http://www.quotesmith.com. Once you have a good idea of what's out there, call a local independent insurance broker to help with the process. It won't cost more and he will know more about each company's underwriting that you can find by looking online.
The Top 10 Life Insurance Companies - Revenues, 2006
and Financial Strength Ratings by A.M. Best Company
MetLife – rated A+, Superior
Prudential Financial – rated A+, Superior
New York Life Insurance – rated A++, Superior
TIAA-CREF – rated A++ , Superior
Massachusetts Mutual Life Insurance – A++, Superior
Northwestern Mutual – rated A++, Superior
AFLAC – A+, Superior
Genworth Financial – A+, Superior
Unum Group – A-, Excellent
Principal Financial – A+, Superior
The amount you should expect to pay will depend on several variables, including type of lfie isnurance, your age, gender, occupation, hobbies, health, family health history, amount of coverage, etc.
One way to find some good quotes is to compare free, no obligation life insurance quotes online.
The reason you want to compare several quotes is because rates may vary by up to 50% or more between insurers. So you may save some money by comparing quotes.
Term life insurance is usually the least expensive life insurance, especially if you're under 50 or have a family and need the most coverage at the lowest rates.
Here's how term life insurance works:
Term life insurance lasts for a specific number of years, usually 10, 15, 20 or 30 years. The most common terms are 10 years or 20 years.
Term life insurance policies pay the beneficiary the face amount of the life insurance policy if the insured person dies during the term of the policy. For example, a 15-year term life policy with a face amount of $250,000 would pay $250,000 to the beneficiary if the insured died any time during those 15 years.
Usually, term life insurance costs less than permanent life insurance.
At the end of the policy term, the insured is no longer insured, and a death benefit is no longer paid. Some term life insurance policies are renewable, or can be converted to permanent life insurance.
Term Life Insurance Has Three Standard Features:
Level
Usually, the annual premium for the policy paid by the insured stays the same each year. The face amount of the policy also stays the same. Level term life insurance policies can usually last up to 30 years.
Convertible
Before the end of the term for the policy, the life insurance policy owner may be able to convert the term life insurance into a permanent life insurance policy. The owner usually has a specific number of years during the term life insurance policy to convert the policy. The premiums usually increase for the permanent life insurance.
Renewable
Term life insurance policies that are renewable offer the owner the option of renewing the life insurance policy at the end of the policy term, up to a specific age limit (usually age 65 or 70).
For example, a 15 year policy may be renewed for another 15 years. If the policy is renewed, a medical exam may be required. The term life insurance premium will usually increase when the policy is renewed.
Go to insure.com or quotesmith.com to get the best rates.
Look for companies with rating of BBB or better.
Shop around, term life is easy to compare.
There is no cash value or investment to consider.
Just pick the cheapest with a good rating.
Make sure you are comparing a guarantee level premium policy to a guarantee level premium policy.
Compare apples to apples, not apples to oranges.
Look at all the numbers, make sure there is no unexpected adjustments later on.
Email me with your question if you don't understand or can't figure it out.
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February 14th, 2009 at 8:41 PM
The best company is the one that offers the best coverage at the best cost, based on your needs. What you pay will depend on a variety of factors, including your age, health, and profession. To find the best fit for you, try contacting 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.
February 14th, 2009 at 8:41 PM
Too many variables: age, health, coverage amount and length of term are the keys.
February 14th, 2009 at 8:41 PM
Give a call a your local state farm agent. See what your options are. And yes, age, weight, health all play a part of what you end up paying.
February 14th, 2009 at 8:41 PM
For a decent idea, go to http://www.quotesmith.com. Once you have a good idea of what's out there, call a local independent insurance broker to help with the process. It won't cost more and he will know more about each company's underwriting that you can find by looking online.
February 14th, 2009 at 8:41 PM
There are many good companies for life insurance.
Here is a list of top companies:
The Top 10 Life Insurance Companies - Revenues, 2006
and Financial Strength Ratings by A.M. Best Company
MetLife – rated A+, Superior
Prudential Financial – rated A+, Superior
New York Life Insurance – rated A++, Superior
TIAA-CREF – rated A++ , Superior
Massachusetts Mutual Life Insurance – A++, Superior
Northwestern Mutual – rated A++, Superior
AFLAC – A+, Superior
Genworth Financial – A+, Superior
Unum Group – A-, Excellent
Principal Financial – A+, Superior
The amount you should expect to pay will depend on several variables, including type of lfie isnurance, your age, gender, occupation, hobbies, health, family health history, amount of coverage, etc.
One way to find some good quotes is to compare free, no obligation life insurance quotes online.
You can go to efinancial https://www.efinancial.com/smartquoteefc.aspx?source=389-707 and fill out one form to get up to 12 instant quotes for term life insurance from top-rated insurers.
The reason you want to compare several quotes is because rates may vary by up to 50% or more between insurers. So you may save some money by comparing quotes.
Term life insurance is usually the least expensive life insurance, especially if you're under 50 or have a family and need the most coverage at the lowest rates.
Here's how term life insurance works:
Term life insurance lasts for a specific number of years, usually 10, 15, 20 or 30 years. The most common terms are 10 years or 20 years.
Term life insurance policies pay the beneficiary the face amount of the life insurance policy if the insured person dies during the term of the policy. For example, a 15-year term life policy with a face amount of $250,000 would pay $250,000 to the beneficiary if the insured died any time during those 15 years.
Usually, term life insurance costs less than permanent life insurance.
At the end of the policy term, the insured is no longer insured, and a death benefit is no longer paid. Some term life insurance policies are renewable, or can be converted to permanent life insurance.
Term Life Insurance Has Three Standard Features:
Level
Usually, the annual premium for the policy paid by the insured stays the same each year. The face amount of the policy also stays the same. Level term life insurance policies can usually last up to 30 years.
Convertible
Before the end of the term for the policy, the life insurance policy owner may be able to convert the term life insurance into a permanent life insurance policy. The owner usually has a specific number of years during the term life insurance policy to convert the policy. The premiums usually increase for the permanent life insurance.
Renewable
Term life insurance policies that are renewable offer the owner the option of renewing the life insurance policy at the end of the policy term, up to a specific age limit (usually age 65 or 70).
For example, a 15 year policy may be renewed for another 15 years. If the policy is renewed, a medical exam may be required. The term life insurance premium will usually increase when the policy is renewed.
I hope that helps! Best of luck to you.
February 14th, 2009 at 8:41 PM
Go to insure.com or quotesmith.com to get the best rates.
Look for companies with rating of BBB or better.
Shop around, term life is easy to compare.
There is no cash value or investment to consider.
Just pick the cheapest with a good rating.
Make sure you are comparing a guarantee level premium policy to a guarantee level premium policy.
Compare apples to apples, not apples to oranges.
Look at all the numbers, make sure there is no unexpected adjustments later on.
Email me with your question if you don't understand or can't figure it out.