When you apply for life insurance, there are dozens of different factors that you will need to consider to ensure that you’re getting the best plan possible. Before you purchase insurance, you will need to decide which type of plan is best and which company is going to give you the lowest rates.
We know that shopping for life insurance coverage is not a fun task, but that’s why we are here to help. It’s our mission to ensure that you’re getting the best rates possible.
Every insurance company is different, and all of them are going to offer you different rates depending on which company that you choose. Every company has different medical underwriting and rating system that they are going to use. That means that you could get drastically different rates depending on which company that you contact.
Before we look at some of the best life insurance companies, it’s important that we note that every applicant is different. There is no “one plan fits all,” that’s going to work well for everyone. Every family is different, and every is going to need different coverage. While these might be the best companies in some cases, they won’t be the best for everyone.
At LifeInsuranceforAccountants.com, it’s our mission to ensure that you’re getting the best plan possible There are hundreds of companies on the market, which means you could spend weeks calling companies to find the best plan, or you can let us do all of that hard work for you.
Haven Life has completely changed the way that applicants purchase life insurance coverage. If you want to get life insurance as quickly as possible, Haven Life is going to be one of the best ways that you can do that.
Haven Life lets you get life insurance online. Not only that, but you won’t have to take a medical exam, and you can get approved for coverage quicker than you can with just about any other company. One of the disadvantages of Haven Life is that you’re going to be very limited on the times of plans that you can buy. You can only any only buy term life insurance. If you want permanent coverage, you’ll need to pick a different insurance company.
If you use chewing tobacco, then you probably know that you’re going to pay drastically higher rates for your life insurance protection. Every insurance company is different, and all of them are going to view your chewing tobacco differently. With Prudential, they aren’t going give smoker’s rates if you use chewing tobacco, which means that you can save thousands of dollars every year.
In fact, if you are a chewing tobacco-user, your family could be half as much versus what you would pay at another company. Not only can you save money with Prudential, but there are several types of plans that you can choose from.
Mutual of Omaha
This is one of the most well-known companies on this list. Mutual of Omaha has been in the insurance game for over a century. That means that they have years of experience providing life insurance coverage to thousands and thousands of applicants across the country.
Mutual of Omaha has strong ratings with every third-party company. If you’re looking for a financially strong company that has been around for a long time, the Mutual of Omaha is an excellent choice.
Lincoln Financial Group
While some companies specialize in a specific type of life insurance coverage, Lincoln Financial Group has just about any coverage that you can imagine. One of the best advantages of Lincoln is that you can purchase any type of plan on the market.
Not only can you get any type of coverage, but they also have great premiums. Depending on your specific health situation, they could offer the best rates for your life insurance needs.
If you’re an older applicant, then Transamerica could be the best option for you. They will offer 30-year term policy to anyone under the age of 58, which is something that a lot of life insurance won’t do. The majority of companies won’t give a 30-year term to anyone over the age of 50. Those extra years allows millions of more people to get a 30-year term life insurance policy.
Deciding which Company is Best for You
We know that deciding between all the companies on the market can be very difficult. Instead of wasting all of your time calling companies or doing research, let one of our agents do all of that hard work for you. It’s our mission to ensure that you’re getting the best plan possible.
You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the life insurance coverage that your family deserves. If something tragic were to happen to you, and you didn’t have life insurance protection, then your family would be stuck with a massive amount of debt and other final expenses. Losing someone that you love is never going to be easy, but that’s where your life insurance protection comes in.
If you have any questions or you’re ready to get the process started, please contact one of our agents today. We would love to answer those questions and connect you with the best plan possible. It’s our mission to ensure that you’re getting the perfect plan. Not only do we work with these companies, but we work with dozens and dozens more.