ow, I’m going to talk about some of the best life insurance companies out there. So many companies out there and you confuse choosing which is right for you. Maybe somebody recommended a company but 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. So, let’s check them out.
Banner Life Insurance
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. I like banner life and also like them with some pre-existing conditions. For example, if you have diabetes, Banner Life might be a good choice for you.
American General Life
American general life insurance is another company that I like. American General has been around for 160 years. They have 13 million customers and they’re an excellent life insurance company. I like them also because of their excellent rates and they also may be good for certain pre-existing health conditions.
American General could 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.
Next is Transamerica Insurance. Transamerica is an A+ rated company. They’re one of the few companies that offer term life under $100,000. So 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 started a hundred thousand or more and so I recommend Transamerica. They also offer 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.
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Prudential another solid company and has A+ rated company. They have been around many years, and you’ve probably heard of Prudential everywhere. Prudential as an excellent company, they’re really good for certain things. They do have competitive rates and they are also good for term life insurance. For example, if you use chewing tobacco but you don’t smoke cigarettes, Prudential 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. They are also good for certain pre-existing health conditions.
MetLife also (sometimes) they have competitive rates for the higher dollar amount. So when you’re talking about 500,000 or $1 million policies, MetLife can be more competitive there, that’s typically when you use them. They also ensure active military personnel, so they can be a good choice for that, as well.
The protective life insurance, a company that you may not have heard of, but they’re another A+ rated company with just solid and excellent rates. When they come up and they have the best rates, you must try to go with protective life insurance.
Another company that I recommend is ING. This company is particularly good in a couple of 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 company will give you a lower health rating, and in turn, 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. So when it comes to scuba diving, ING can be a good choice.
So 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. But you can still choose some of them, and make sure choose the best rates is right for you because the rate of each company is different depending on the health record.