生命保険はあらゆる財政計画の重要な要素であり、それはあなたが世話をする家族がいる場合に特に当てはまります。あまりにも多くの人がこの重要な補償範囲を購入できません—または十分に購入していません 彼らのニーズに応える生命保険。
なぜあなたは生命保険を買うべきですか？生命保険に加入することで、家族は悲しみの時に経済的に苦労することなく請求に追いつくことができます。最高の生命保険会社は、あなたがすべての就業年数の収入に取って代わるのに十分な補償範囲を購入するのを手伝うことさえできます。これは、あなたがキャリアの最盛期に亡くなった場合に重要です。
Good Financial Cents ® で 、私たちは時間をかけて、100以上の最高の生命保険会社を、その財務力、平均価格、顧客サービスの評価、および提供する保険の種類に基づいて比較しました。プロバイダーを比較するときは、無料の生命保険の見積もりを取得するために時間をかけてください。最高の生命保険は必ずしも最も安い生命保険ではありませんが、費用は購入する保険商品の種類、健康状態、年齢、その他の要因によって異なります。
生命保険に加入すれば、家族の面倒を見ることができます。万が一、大切な人の健康のために、大切な人に金銭的な巣を残しておくことをお勧めします。詳細については、州をクリックしてください。 はじめに The best life insurance companies below offer superior products and customer service, and they exhibit financial strength and stability. We compared them based on their ranking with J.D. Power’s 2020 U.S. Life Insurance Study, which ranks providers based on customer satisfaction.
We also compared companies based on their rankings with A.M. Best, which scores providers based on their financial strength and ability to pay out claims.
American International Group is often considered the world’s largest insurance organization with more than 49,000 employees and clients in over 80 countries and jurisdictions. But does the company’s quality match its size?
Generally speaking, the answer is yes, according to third party agencies who rate insurers. For example, A.M. Best has awarded AIG with an ‘A’ rating for financial strength, and the insurer also boasts an A+ rating from Standard &Poor’s, another rating agency.
We’ve also noticed that AIG is great at placing applicants who are on the border of two different rating classes, because of their weight, into the more favorable class. For example, a 37-year-old male who weighed 215 pounds and is six-feet tall rated a “preferred” policy with Banner Life, but AIG rated him “preferred plus”, saving him $3,312 over the life of the policy.
Also note that American International Group is one of the best insurance companies for high-risk applicants, but its underwriting policy is especially strong for those with type 2 diabetes. American International Group also offers an accelerated death benefit rider that enables you to receive at least some of your insurance proceeds while you’re still alive and diagnosed with a terminal illness. This can help provide important living benefits to pay at least some of your medical bills and other expenses.
Like many companies that offer more liberal underwriting guidelines to high-risk applicants, AIG is tougher if your profile involves other risks, like occupations or hobbies.
ProsHaven Life has upended the traditional process of acquiring term life insurance by getting rid of the medical exam for people who qualify. You’ll also love the fact that you can quickly and easily see life insurance pricing using the Haven Life website. You can also get coverage as soon as the next business day if you qualify for life insurance with no medical exam required.
Haven Life policies also tend to be on the affordable side. Using their online quote tool, we found that a 40-year-old woman in excellent health could secure a 20-year term policy worth $500,000 for as little as $30.66 per month.
As you compare providers in this space, you should note that Haven Life only offers term life insurance coverage, so it might not be a good option if you’re looking for life insurance coverage that builds cash value that you can borrow against.
ProsAlthough Bestow was just founded in 2016, this innovative online insurer has made the process of getting term life insurance easier than ever before. Bestow only offers inexpensive term life insurance coverage, and you can only apply online since it doesn’t have brick and mortar locations. From there, Bestow uses big data and technology to analyze your application, and you can get approved instantly for coverage without having to endure a medical exam.
Fortunately, you don’t have to worry about Bestow being newer on the scene. All policies offered by Bestow are through an A+ rated carrier and trusted name in the industry. The policies offered by Bestow are provided by North American Company for Life and Health Insurance and Munich RE.
There are limitations to Bestow term life insurance coverage. For starters, it doesn’t offer any riders that you can add to your policy. Coverage is also only available for adults ages 18 to 59, and you can only buy up to $1.5 million in term coverage that lasts 10, 15, 20, 25, or 30-years.
ProsHealth IQ promises life insurance that is specifically tailored to individuals who take excellent care of their health. This company offers lower rates for people with healthy lifestyles, and they can also extend additional savings for policies with a higher than average death benefit. Savings can be as high as 41%, but you have to meet some health criteria to qualify.
In fact, Health IQ lists some pretty stiff requirements for policyholders, which include:
Another important distinction to note with Health IQ is that they don’t offer policies directly. Instead, this company lets you compare policies with myriad top insurers like John Hancock, Prudential, Pacific Life, and more. Fortunately, Health IQ lets you compare pricing from 30 top insurers in one place and all at once, helping you save time and money.
ProsMetLife, another well-known provider in the United States and globally, offers policy options including term life insurance, whole life, universal life, variable life, and survivorship plans.
Unlike others in our ranking, this provider mostly focuses on offering group life insurance plans for employers, which employees can gain access to. Fortunately, MetLife is known for its financial strength and stability, as well as its third-party ratings. Currently, Metropolitan Life Insurance company has an A+ rating with A.M. Best and an AA- rating with Standard &Poor’s. Further, MetLife performed well in J.D. Power’s 2020 U.S. Life Insurance Study with 773 out of 1,000 possible points.
ProsBanner Life Insurance is a leader in life insurance product diversity and customer service. The company has been around since the 1980’s and currently offers policies in 49 states as well as Washington D.C. At the moment, Banner Life insures more than 1.3 million customers, with more than $5 billion in assets at their disposal.
Banner Life has flexible and comprehensive coverage options, like special rates for younger or health-conscious individuals. Among its life insurance offerings, this provider offers term policies and universal life insurance. You can even enter basic information about yourself and get a free quote online.
Banner Life can also be a good option for smokers since this provider offers both preferred tobacco and standard tobacco classifications. You’ll still pay more as a smoker than a non-smoker, but the rate hike might not be as high as it would be with other companies.
Currently, Banner Life boasts an A+ rating for financial strength from A.M. Best. The company also has earned an A+ rating from the Better Business Bureau.
ProsAnother long-standing, top life insurance company is Prudential, which manages more than $1.5 trillion in assets for clients throughout the world. Prudential offers a number of different policy options, including term and permanent coverage. Permanent coverage from Prudential includes universal, indexed universal, variable universal, and survivorship universal life insurance.
One major benefit of Prudential is the ease at which you can receive a life insurance quote online. Policies are also on the affordable side, with a 20-year term life insurance policy worth $500,000 starting at $39 per month for a 40-year-old woman in excellent health.
As a side note, we’ve noticed that applicants who use chewing tobacco often prefer Prudential because the company doesn’t place chewing tobacco users into its classification for smokers, and this can save a huge amount of money.
Prudential not only tends to be more liberal in underwriting policies for cancer survivors but also for people with diabetes and DUI histories. As you’d expect, premiums will be higher for cancer survivors even with a policy issued by Prudential. The type of cancer, and how long it’s been in remission, are also factors in consideration. But if you’re a cancer survivor looking for the best life insurance premiums, Prudential is the place to start.
Currently, Prudential has an A+ rating for its financial strength from A.M.最高です。
ProsMutual of Omaha has been serving customers in the life insurance arena for more than a century. This company provides a wide variety of products including term, whole life, universal life, and accidental death.
Interestingly, Mutual of Omaha even offers life insurance coverage options for individuals up to the age of 85. Some policies are also offered with no medical exam required, and they make getting a free quote online a breeze.
Policies from Mutual of Omaha can also be highly competitive in terms of pricing. A 40-year-old woman in excellent health can even get up to $500,000 in term life insurance coverage for 20 years for less than $32 per month, which is very affordable.
Mutual of Omaha has also received high ratings from third party agencies, including the fifth spot out of more than 20 providers in J.D. Power’s 2020 U.S. Life Insurance Study. Mutual of Omaha also has an A+ rating for financial strength from A.M. Best.
ProsNew York Life Insurance Company was founded in 1841, so it is one of the oldest providers in the life insurance space. This company is also the largest mutual insurer in the United States, and they paid out more than $1.9 billion in dividends to their customers in 2019.
New York Life offers term life insurance, whole life, universal life, and variable life, and they make it easy to compare all of their life insurance products on their website. This provider also offers a robust digital platform that lets you view your policies, update beneficiaries, or even file a claim online.
New York Life earned the sixth spot in J.D. Power’s 2020 U.S. Life Insurance Study for their customer satisfaction, right behind Mutual of Omaha. New York Life also has an A++ rating from A.M. Best for its financial strength.
ProsNow that you know more about the top providers in this space, you should think long and hard about the type of life insurance coverage you want to shop for. There are many different types of life insurance, including:
Term life insurance is purchased to provide coverage for a specific period of time — also called a term — which usually lasts for up to 30 years. Most people buy term life insurance to protect their loved ones and replace their income during their working years. That way, if they died unexpectedly, their families wouldn’t be forced to sell the house or make other financial sacrifices.
Because term life insurance doesn’t include an investment component, it is almost always the most affordable coverage you can buy. Not only that, but the premiums are always the same when you buy term life insurance coverage, meaning the price won’t go up as you age. Learn more about term life insurance.
The ideal customer for term life insurance is :
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Whole life insurance got its name because this type of coverage protects you for your whole life. Once you buy a policy (or commit to funding one), the coverage lasts until you pass away instead of only for a specific term.
This kind of coverage, which is also called permanent life insurance, adds an investment component as well. The life insurance component is designed to provide for your family when you die, just like term life, whole life insurance is not an investment. However, like other investments, you can generally borrow against the cash value of your policy with favorable terms. Learn more about whole life insurance.
The ideal customer for whole life insurance is :
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Like whole life insurance, universal life insurance coverage is permanent. However, universal life combines this coverage with a more complicated investment component.
This kind of coverage also offers flexible premiums — as in, the amount you pay into your policy can fluctuate from year to year. As a result of how universal life insurance is set up, your policy might build more cash value in some years than others. Learn more about universal life insurance.
The ideal customer for universal life insurance is :
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Variable life insurance is another form of permanent life insurance that offers an investment component that builds cash value. Because variable life insurance allows you to allocate a portion of your premiums to a separate investment account, this type of life insurance is generally more expensive than other types of coverage.
Due to the way these policies are set up, consumers can decide when to pay higher premiums for a higher death benefit within certain limits. Since you can generally choose from a variety of investments within the investment component of your coverage, and since returns are never guaranteed, variable life insurance is regulated under federal securities laws. Learn more about variable life insurance.
The ideal customer for variable life is :
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When you apply for life insurance, you should be prepared to offer up an array of important information about yourself and your health. Details you need to be willing to provide as you fill out an application include:
In addition to the information above, you’ll also need to provide the insurer with more details on the type of life insurance coverage you want, as well as the amount. You might not know exactly how much coverage you want to buy quite yet, but you’ll need to provide a standard answer (i.e. $250,000 or $500,000 in coverage) when you fill out an application.
Keep in mind that, in some cases, you can apply for life insurance coverage online and begin your policy without completing a medical exam. This is more likely with some insurers than others, however, since not all providers offer policies with no medical exam required.
If you do need to take a medical exam, it’s common for insurers to send a nurse to your home. Upon arrival, the nurse will perform a routine health check and gather information such as your height and weight. You’ll also be asked to provide a urine sample and a blood sample.
Generally speaking, the details of your medical exam are handled by the provider. This means that they will set up an appointment based on times and dates that work for you, and the information gathered during the medical exam will be sent directly to the insurer.
Applying for life insurance can feel overwhelming, but the process is actually less stressful and intrusive than it seems. Technology has also made it easier than ever to compare policies online without ever speaking with an agent if you don’t want to do so.
If you’re wondering where to buy life insurance, here are a few places to start.
Before you buy life insurance, you should take the time to compare policies and prices with online providers that have free quote tools. For example, Haven Life and Mutual of Omaha make it incredibly easy to compare pricing online and in a matter of minutes. You can move forward and buy your policy from one of these providers for even more convenience, but you can also use them to get some basic pricing for the amount of coverage you plan to buy.
In addition to comparing life insurance pricing with companies that offer online quote tools, you can also shop around for life insurance using a comparison site. The map tool on this page can help you compare pricing with multiple top providers based on your zip code.
If you prefer a personalized experience, don’t forget that you can also work with a life insurance agent or broker. If you already have homeowners insurance or auto rental coverage, it’s even possible you could buy life insurance from your regular insurance agent. Just make sure to compare pricing for life insurance policies ahead of time so you know you’re not overpaying for coverage.
“American International Group, Inc. (AIG) is a leading global insurance organization serving customers in more than 100 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at aig.com. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.”