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what is a good company that offers life insurance?
Old 08-16-2010, 12:17 PM   #1
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what is a good company that offers life insurance?

should i go with a big company (metlife, allstate,etc..) or use a smaller company? any recommendations?

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Old 08-16-2010, 08:52 PM   #2
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dooo42, I'd approach this from the other direction. I'd look for online insurance brokers that sell multiple companies' policies, find the best prices, then check the company ratings (A.M. Best or Standard & Poors, for example).


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how do i use standard and poors?
Old 08-16-2010, 10:24 PM   #3
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how do i use standard and poors?

standard and poors website is a little overwhelming. how do i use it to check insurance companies?
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Old 08-16-2010, 10:38 PM   #4
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Allstate will have horrible rates. Use the help of an independent agent that offers coverage from 10+ companies. Unless you are in absolute perfect health, you can't just pick a company. The underwriting between one company and another could be completely different, especially if you have any major health issues (diabetes, any heart problems, elevated liver functions, etc etc).
Disclaimer - I am an independent insurance agent. If the above message contains insurance-related content, it is NOT intended as advice, and may not be accurate, applicable or sufficient depending on specific circumstances. Don't rely on it for any purpose. I do encourage you to consult an independent agent for insurance-related advice if you have a question that is specific in nature.
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