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Top 10 (Ten) Term Life Insurance Companies for 2014

by Scott G on August 25, 2013 · 3 comments

Top 10 (Ten) Term Life Insurance Companies 2013

2014-Top 10 Life Insurance Companies

With over 2,000 life insurance companies in the United States competing for your business, choosing the right one to protect your family can be overwhelming.  In 2011 alone, the top ten life insurance companies jointly spent over $1 billion in ads trying to get you to buy their policy.

How to Choose the Best Company

As a former top producing life insurance agent, the first thing I do when shopping for life insurance is to compare rates.  How do you do that?  You can use a free service or quote engine such as the one on the one on this site, to impartially shop the top companies in America.

There are niches for each company, such as better rates for taking blood pressure medication over another company, so it is best to speak with an unbiased agent who can navigate the life insurance waters and find you the lowest rate.

A Secret about Shopping for Life Insurance

Unlike other insurances, life insurance is something you can purchase strictly based on price-most of the time in 2014.  Since life insurance is a contract, as long as the company has a strong financial rating (“A” Excellent or better) by the leading independent rating agency A.M. Best, choosing a company based on the final underwriting price is one of the best ways to purchase.

List of the Best Term Companies

If you are a healthy 38 year old male, with a young family, looking for $500,000 of term life insurance here are the top ten life insurance companies for 2014:

1. Savings Bank Life Insurance Company of MA

2. Banner Life Insurance Company

3.Protective Life Insurance Company

4. American General Life Insurance Company (AIG)

5. North American Company for Life and Health

6. Genworth Life and Annuity Company

7. ReliaStar Life Insurance Company  (ING)

8. Transamerica Life Insurance Company

9. MetLife

10. United of Omaha Life Insurance Company

 Shop Smart & Educated

By using the free unbiased quote engine, you can instantly compare the best rates and even know the financial rating and underwriting requirements for that company, ever before speaking with an agent.  Simply click “Match A Rate To Your Profile- View Underwriting Guidelines” and you can see what rate you will qualify for!  To see additional ratings, click the “View Policy Details” button.

Bottom Line

Today with advancements such as the internet, shopping for life insurance has never been easier and more transparent.  No longer do you have to sit through long sales presentations trusting what the agent is telling you is the truth.  Now you can anonymously price comparison shop the top term companies in America instantly to ensure you find the best life insurance company to protect your family.

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*Above quote was using $500,000 coverage on a 20 year term for the best rate class for a present DOB: 1/14/1975

Term Life Online August 26, 2013 at 10:52 am

In addition to your list of the leading life insurance companies, the III.org (Insurance Information Institute) issues a list of the top issuers of individual term life insurance policy for each year. The III.org offers some good information on life insurance and life insurance companies; as well as, life happens.org which is a website for consumers that provides helpful information, videos, articles and tips.

Scott August 27, 2013 at 8:56 am

Thanks for the additional info, both are great resources!

Termlifemax September 1, 2013 at 10:28 pm

The online life insurance quotes are ideal in choosing the right company from whom to get the policy. When you get the quotes online, you do not have to deal with blockers some of whom might give you the wrong information about the rates so that you can get the policy cover from them. Life insurance online quotes are available in the websites of the different providers hence you can read through and understand. In this way you can compare the quotes from different company hence settling for the best company.

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