In this article, we are going to talk about some of the best life insurance companies. If you’re looking for the best life insurance companies list, you might be trying to figure out which is the best life insurance company out there?
Then is blog article must be helpful to you. We research and after that, we have shared the 7 best life insurance companies that might be your choice.
7 Best Life Insurance Companies List That Really Works For You
Let’s start off with –
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.
We like Banner Life. We also like them for some preexisting conditions. For example, if you have diabetes, Banner Life might be a good choice for you.
American General Life Insurance is another company that we like. American General has been around for over 160 years. They have 13 million customers, and they’re an excellent life insurance company.
We like them also because of their excellent rates and they also may be good for certain preexisting health conditions. American General, can 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.
Transamerica is an A+ rated company. They’re one of the few companies that offer term life under $100,000. 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 start at $100,000 or more. We like Transamerica. Transamerica also offers 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.
Prudential is another solid company; A+ rated company has been around for many, many years. You’ve probably heard of Prudential. Prudential’s an excellent company. They’re really good for certain things.
They do have competitive rates. They are also good, for example, if you use chewing tobacco but you don’t smoke cigarettes. Prudential’s 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 the 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. Prudential’s also good for certain preexisting health conditions.
MetLife also, sometimes, they have competitive rates for higher dollar amounts. When you’re talking about $500,000, $1 million policies, MetLife can be more competitive there, that’s typically when we use them.
They also ensure active military personnel, so they can be a good choice for that, as well.
We like Protective Life, a company that you may not have heard of, but they’re another A+ rated company with just solid, excellent rates.
When they come up and they have the best rates, we like to go with Protective Life Insurance.
Another company is —
ING is particularly good in a couple of different situations, but ING and Banner Life do not discriminate for family history of cancers.
What does that mean?
It means that a lot of life insurance companies will give you a lower health rating, and in turn, a 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.
When it comes to scuba diving, ING can be a good choice.
Which Companies Are Going to Offer You the Best Rates in Certain Situations?
Especially, if you do smoke or have a preexisting health condition. You want to make sure that you’re working with the best company for you. It doesn’t mean that another life insurance company won’t cover you.
But they may not offer you the best rates.
We have shared 7 life insurance companies list that would be the best possible life insurance companies to work for you in our opinion.
There are several companies list that offers no medical exams. We are trying to give those life insurance companies names that you’re looking for, we help you figure out what the best options are for you.
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.
If you think those life insurance companies really good then please share this article with your friends and family. Or if you know other better companies that I missed. Please let me know in the comment.