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The best life insurance companies
Most insurances cover the material elements of our lives. But when it comes to life insurance, you can't place bets, but be sure to make the best decision. Life insurance is more than mitigating the inconvenience of material damage to a home or car. It is about taking care of family and loved ones in case of the unthinkable. Therefore, it is important that you do your homework to ensure that you are getting the best coverage at the right price.

The best life insurance companies: In summary

Once you compare and keep in mind some companies for your policy coverage, take a look at the recent qualitative data that we have rounded up for you:

Financial Strength (AM Best)
Customer Satisfaction (JD Power)
Customer Complaint Reason (NAIC 2017)
State farm
A ++
5/5
0.13
TIAA Life
A ++
N / A
0
New York Life
A ++
4/5
0.04
Northwestern Mutual
A ++
4/5
0.03
MassMutual
A ++
3/5
0.04
Guardian life
A ++
3/5
0.07
Mutual of Omaha
A +
4/5
0
American national
TO
N / A
0.58
Banner Life
A +
N / A
0.02
Lincoln Financial
A +
3/5
0.07
Transamerica
A +
2/5
0.57

 

Why we choose it
Variety of term life plans
Unlike most companies, which have one or two term life insurance options, State Farm offers four different plans to help customers adjust their coverage to their financial goals.

Select term is an affordable term coverage that lasts from 10, 20 to 30 years.
Premium return insurance is more expensive, but allows you to recover premiums paid if you survive beyond the term of the policy.
The life insurance to mortgage term lasts 15 or 30 years. Decrease coverage (and cost) as your mortgage pays over time.
Instant Answer Term Insurance provides up to $ 50,000 of coverage for those who do not wish to undergo a medical exam.
Generous extension opportunities
Your coverage needs may change at any time, such as if you ever need to get a second mortgage or provide long-term care to a family member. This means that it is important to look for temporary insurance that can be extended if necessary. State Farm has some of the most benevolent subsidies in that department.

This company allows you to renew the coverage to a term of up to 95 years of age, turning it into a permanent policy until 75 years of age, without having to have a medical exam. In comparison, many companies require a second health exam, which means that prices could rise dramatically. Some companies, such as New York Life, even require you to purchase an additional broker for conversion privileges. State Farm offers the option at no additional cost.

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