Top Best Life Insurance Companies in America
Life Insurance Companies in America
Top Best Life Insurance Companies in America | Shopping for life insurance can be stressful. However, there’s one thing life assurance shoppers agree on – buying life assurance takes a huge load off your back.The moment you pay your first premium on a good life insurance policy, you can rest assured that your loved ones will stay safe no matter what happens. Life insurance is a crucial part of preparing for an unpredictable future. Top Best Life Insurance Companies in America
Choosing the right life insurance company, however, isn’t always easy. America is home to dozens of major life assurance providers. Some of these life assurance companies are shady: they’ll take any excuse to scale back or deny your claim and leave your loved ones with nothing.
Other life insurance companies offer products as advertised: you pay a premium today to ensure your loved ones stay protected no matter what happens. Top Best Life Insurance Companies in America
Today, we want to help you pick the best life insurance company for your unique needs. Whatever your budget and lifestyle could also be, we’ve picked the highest 25 best life assurance companies within us. Keep reading to discover which life insurance companies can be trusted to protect your loved ones if something goes wrong.
Securian Financial (Minnesota Life Insurance Company
Minnesota Life Insurance Company, or Minnesota Life, recently rebranded to the name of this parent company: Securian Financial.MICRO NICHE WEBSITE IDEAS AND KEYWORDS CATS RELATED ←←←
Today, Securian Financial continues to offer the same popular life insurance products after 140 years of doing business under the name of Minnesota Life.
The company offers a broad range of insurance, investment, and retirement solutions to safeguard your financial future – and the financial futures of your loved ones.
The company’s term life insurance covers clients for a fixed period of time – say, 10 to 20 years. Securian’s permanent life insurance policies, meanwhile, protect you for life and accumulate cash value over time.
Securian offers two types of permanent life insurance, including whole life insurance – which provides guaranteed protection for your entire life and fixed cash value growth – and universal life insurance – which comes with more flexibility for changing your premiums and death benefit.
John Hancock Life Insurance Company
John Hancock also has something called the John Hancock Vitality program, which lets you lower the cost of your coverage by earning points for everyday healthy activities.
If you exercise, eat well, meditate, and practice good sleep habits, for example, then you’ll earn Vitality points towards your John Hancock life insurance policy. All insurance companies reward healthy customers by offering cheaper premiums. John Hancock, however, is one of the few life insurance companies that actually offer an official program rewarding people for healthy living. Top Best Life Insurance Companies in America
Haven Life | Life Insurance Company
However, the company’s policies are issued by Massachusetts Mutual Life Insurance Company (MassMutual). Nevertheless, you may be able to find better life insurance quotes when requesting a policy through Haven Life than you would by checking directly with MassMutual.
AXA Equitable Life Insurance Company
In addition to life insurance policies, AXA Equitable offers retirement planning services, brokerage and advisory accounts, and mutual funds, among other services. AXA is a Paris, France-based multinational insurance company founded in 1816, making it one of the oldest companies on this list.
In addition to life insurance, the company offers financial planning, investment management, and general insurance throughout western Europe, North America, the Asia Pacific region, and the Middle East.
Banner Life Insurance Company
Legal & General Group traces its history all the way back to London in 1836. As the sixth-largest insurance company in the world measured by assets under management, Legal & General America has operations in Europe, North America, and Asia.
Banner Life Insurance is the company’s American life insurance division and is available in 49 states and the District of Columbia although, in New York, the company does business under it is subsidiary William Penn Life Insurance Company of New York.
USA Life Insurance Company
USA’s life insurance policies include term life, term life for the military, whole life, and universal life policies. Prices range start at $14 per month for the term life policies, which are cheaper because they only cover a set time (say, 10 or 20 years).
In addition to offering affordable rates, the USA offers unique life insurance products catered to members of the military. You may qualify for special life insurance products when you’re traveling overseas as a member of the military, for example.
Ultimately, if you’re a member of the military or a qualified USA member, then USA Life Insurance is one of the top life insurance companies in America.
AIG Life Insurance Company
Coverage ranges from $5,000 to $25,000, with life insurance policies starting for as low as $20 per month. The term, guaranteed issue whole life, quality of life, universal life, variable universal life, and accidental death and dismemberment life insurance policies are all available for purchase.
Today, American International Group (AIG) is headquartered in New York City, although the company was founded in Shanghai, China in 1919.
Prudential Life Insurance Company
You may be able to complete the life insurance application process entirely online. Prudential’s life insurance premiums increase annually until age 95 but will never exceed the maximum stated in the contract.
Prudential’s policies are issued by a company called Pruco Life Insurance Company under brand names like SimplyTerm and MyTerm.
Northwestern Mutual Life Insurance Company
During its early history, the company focused specifically on life insurance. Today, Northwestern Mutual has grown to become one of the largest financial services companies in America. They continue to offer competitive prices on insurance to personal, business, and estate markets across the country.
Brighthouse Financial (Formerly MetLife) Life Insurance Company
Brighthouse Financial separated from MetLife and began trading on Nasdaq as a separate company. The Charlotte, North Carolina-based company has sold life insurance under the Brighthouse Financial brand since March 2017.
Today, the company offers a number of life insurance products, including unique policies like Premier Accumulator Universal Life and Guaranteed Level Term. Although the brand name is relatively new, Brighthouse Financial offers similar (even identical) life insurance policies to what was offered by MetLife for decades.
Pacific Life Life Insurance Company
Founded in 1868, the Newport Beach-headquartered company continues to offer popular life insurance products like Indexed Universal Life Insurance.
They also offer standard life insurance policies like term life insurance, universal life insurance, and variable universal life insurance. In addition to selling life insurance, Pacific Life Insurance offers annuities and mutual funds.
Voya Financial Life Insurance Company
Voya Financial’s life insurance policies are officially issued by ReliaStar Life Insurance Company of New York and Security Life of Denver Insurance Company, both of which are members of the Voya family of companies.
Guardian Life Life Insurance Company
Guardian Life offering a range of different life insurance policies to suit all needs and budgets. They also have a term life insurance quote calculator online that makes it easy to determine how much life insurance you need.
Mutual of Omaha Life Insurance Company
Mutual of Omaha offers two basic types of life insurance, including term life insurance and permanent life insurance. Term life insurance provides affordable coverage for a specific period of time – say, the next 10 or 20 years. Permanent life insurance, meanwhile, protects you throughout the lifetime of your policy and can build cash value that can be used even when you’re still alive.
Midland National Life Insurance Company
Founded in 1906, Midland National has over 115 years of experience providing competitively-priced life insurance policies across the country.
MassMutual (Massachusetts Mutual) Life Insurance Company
Popular MassMutual life insurance products include their participating whole life insurance, simplified issue whole life insurance, term life insurance, MassMutual Direct Term, universal life insurance, and variable universal life insurance (VUL).
New York Life Insurance Company
New York Life Insurance, like other companies on this list, lets you access some of the cash value of your life insurance policy over time. You can borrow against your insurance policy, like a loan.
Many other companies on these lists offer a similar policy. With New York Life Insurance and other companies, you can only access the cash value of your life insurance on a permanent life insurance policy.
State Farm Top Best Life Insurance Companies in America
State Farm emphasizes affordable coverage and access to the cash value of your policy (only on permanent life plans). Premiums are guaranteed for the life of your policy on permanent life plans, but not on term life insurance policies.
Primerica Life Insurance Company
Primerica offers a variety of financial services throughout the United States and Canada, including mutual funds, annuities, car insurance, home insurance, and life insurance. Primerica’s life insurance policies emphasize simplicity and affordability.
Primerica also offers additional benefits like the ability to get a 70% face amount terminal illness benefit with a waiver of premium up to a maximum of $400,000. Primerica’s policies are issued under three different brands, including Primerica Life Insurance Company, Primerica Life Insurance Company of Canada, and National Benefit Life Insurance Company. The company also claims that 94% of its life insurance claims are paid within 14 days.
Transamerica Life Insurance Company
One of the unique benefits of Transamerica is the Wealth & Health app, which lets you track your fitness goals along with your financial goals. As with other life insurance companies, it’s in Transamerica’s best interest to keep clients healthy.
The app encourages health and wellness among clients. It’s not quite as powerful as John Hancock’s Vitality program, but it makes it easy to see how your health and wellness affect your long-term financial goals.
Protective Life Insurance Company
As with other life insurance companies, you can get a quote online, after which you will be required to complete a medical exam. The company will review the results of your medical exam to determine the cost of your premiums.
Penn Mutual Life Insurance Company
Penn Mutual offers a variety of different life insurance products, including term, whole, universal, and variable life insurance, as well as joint or survivorship policies. The company’s website makes it easy to request a life insurance quote online, and you can start paying for your life insurance immediately after completing a medical exam.
Lincoln Financial Group | Life Insurance Company
The company advertises its policies as “more than just a death benefit” and emphasizes benefits like financial protection for a loved one or business, account value growth potential, and tax-deferred asset protection, among other benefits.
Nationwide Life Insurance Company
You can get a quote over the phone or by finding a Nationwide financial advisor near you. Like with other life insurance companies, Nationwide requires you to undergo a medical exam prior to activating your life insurance policy.
Nationwide’s life insurance policy payment plans are fairly flexible, and you can pay your premiums annually, semi-annually, quarterly, or monthly.
Principal Financial Life Insurance Company
They emphasize benefits like tax-free wealth transfer, guaranteed level payments for life, the ability to pay off the policy early, and the potential to access cash value on your policy, among other benefits. You can apply for a life insurance quote with Principal Financial over the phone.
Final Word On The Best Life Insurance Companies
Start comparing life insurance quotes online today. The companies listed above represent some of the best, long-lasting, and most popular insurance companies in America.
Some have over 150 years of experience providing quality life insurance products to American families at a competitive price. The sooner you buy life insurance, the sooner you will be able to enjoy peace of mind.
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