Best Life Insurance Companies: A Handy Guide

The best life insurance companies are different for everyone.Here is a handy guide to the best life insurance companies

Choosing the “best” life insurance company for your needs really boils down to finding a company that will:

  1. issue the type of policy that you want (term, universal life, whole life, etc.)…
  2. with the features that are important to you (convertibility, child riders, return of premium, etc.)…
  3. at a price that fits your budget.
There is no one life insurance company that is “best” for everyone. Some companies provide more favorable rates for smokers while being less favorable for private pilots. Another company might be a better fit for you if there is a history of heart disease in your family or if you are taking medication for depression or anxiety. Still another company might be a good choice if you have been diagnosed as a Type II Diabetic.

You can search for and view rates from hundreds of companies, but these rates will only be as accurate as the information that you supply. So when you enter your health class as “Preferred” and view the rates, keep in mind that the requirements for “Preferred” vary considerably from company to company. This is why you should speak to an agent who is familiar with the products and underwriting guidelines of many different carriers.

As experienced, independent professionals, this is what we do. We can help match you up with the best life insurance provider for your situation. And because we are independent and not captive agents, we can shop the entire market of carriers to find the perfect match.

Of course, we can only help you if you get in touch with us, but until then, here are some companies for you to consider:

Best Life Insurance Companies for healthy people

  •  Ohio National
  • ING
  • Cincinnati Life

Best Life Insurance Companies for people who hate needles (non-med)

  • Fidelity Life
  • Assurity

Best Life Insurance Companies for people who want to convert term to whole life

  • Ohio National
  • Guardian

Best Life Insurance Companies for people with Type II Diabetes

  • ING
  • Genworth

Best Life Insurance Companies for people who what Equity-Indexed Universal Life

  • Minnesota Life
  • Aviva
Start your search for the best life insurance companies on our website. For more information or to discuss your specific needs, give us a call at (877) 883-3561.
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About The Author

Richard Eddy

Founder of Rates4Term.com and Cona Financial Group Richard Eddy has been assisting clients with their life insurance needs since 2005. He is an expert helping people find the right policy to fit their specific situation. In addition to insurance planning, he is also experienced in a wide range of financial planning topics including investment and portfolio analysis, tax planning, retirement planning and estate preservation strategies. You can call Richard toll-free at (877) 883-3561.