Find the Best Term Life Insurance Companies

Find the Best Term Life Insurance Companies

In this article, I'm going to talk about some of the best term life insurance companies out there, why I like them, and how you can compare rates among all those life insurance companies? If you're looking for life insurance, you might be trying to figure out which is the best term life insurance companies out there, for me? Who should I go with? You may have heard or read somewhere, about any of these term life insurance companies. Maybe someone recommended you to this insurance company. But you do not know whether he is recommending that company or he works for that life insurance company. Maybe this is the best term life insurance company for you?

Find the Best Term Life Insurance Companies
Best Term Life Insurance Companies

1. 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. We like Banner Life. We also like them for some preexisting conditions. For example, if you have diabetes then banner life can be a good option for you.

2. American General Life Insurance

American General Life Insurance is another company that we like. American General, been around over 160 years. This life insurance company has 13 million customers and it is one of the Accelerant life insurance companies. We like them also because of their excellent rates and they also may be good for certain preexisting health conditions.

3. Transamerica

We like Transamerica; 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 insurance 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. 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.

4. Prudential

Prudential, another solid company; A+ rated company, been around 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 active military. Prudential will insure you even if you have a development paper. The only caveat is you have to sign the application in the US. Prudential's also good for certain preexisting health conditions.

5. MetLife

We like MetLife. 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. They can be a good choice for that, as well.

6. Protective Life

We like Protective Life, a life insurance company you rarely have heard about. But believe this is a + rated company that is known for its solid, excellent rate. When they come up and they have the best rates, we like to go with Protective Life Insurance.

7. ING

Another company like we like to work with is ING. ING is particularly good in a couple 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 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 life insurance 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. Going back to American General, they 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.

We know which life insurance 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. What we do is find out what your specific situation is and then we match you up with the best possible life insurance company for you specifically. 

These are just some of the life insurance companies we like. We also know no medical exam life insurance companies. There are many companies that do not have medical examinations; Assurity Life. There really isn't one best term life insurance company specifically for everybody. The best term 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.

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