In this video, I’m going to talk about some of the best life insurance
companies out there, why I like them, and how you can compare rates among
all those companies coming up.
If you’re looking for life insurance, you might be trying to figure out
which is the best life insurance company out there for me? Who should I go
with? Maybe somebody recommended a company to you and you don’t know if
they’re just recommending that company because they work for the company or
are they really the best life insurance company for you? At ChooseTerm.com,
we are independent life insurance agents. What does that mean? It means
that we work with over 30 life insurance companies and we’re not biased. We
just work with the best life insurance companies out there.
Which ones are some that we like? Let’s start off with Banner Life
Insurance. Banner Life Insurance is a company that’s been around since
1949. They have an A+ rating and they just have excellent life insurance
rates. We like Banner Life. We also like them for some preexisting
conditions. For example, if you have diabetes, Banner Life might be a good
choice for you.
American General Life Insurance is another company that we like. American
General been around over 160 years. They have 13 million customers, and
they’re an excellent life insurance company. We like them also because of
their excellent rates and they also may be good for certain preexisting
We like Transamerica; Transamerica is an A+ rated company. They’re one of
the few companies that offers term life under $100,000. You can get a term
life policy or a permanent universal life policy with Transamerica for as
little as $25,000 in coverage. Most life insurance companies out there
start at $100,000 or more. We like Transamerica. Transamerica also offers
no medical exam life insurance so it’s another great option if you’re
looking to avoid the whole medical exam part of getting life insurance,
Transamerica might be a good choice for you.
Prudential, another solid company; A+ rated company, been around many, many
years. You’ve probably heard of Prudential. Prudential’s an excellent
company. They’re really good for certain things. They do have competitive
rates. They are also good, for example, if you use chewing tobacco but you
don’t smoke cigarettes. Prudential’s probably the only company that will
offer you non-smoker rates. Also, if you use something like a nicotine
patch, they’ll offer you non-smoker rates. They’re particularly good for
this. Prudential also offers life insurance to active military. Even if you
have deployment papers, Prudential will still insure you. The only caveat
is you have to sign the application in the US. Prudential’s also good for
certain preexisting health conditions.
We like MetLife. MetLife also, sometimes, they have competitive rates for
higher dollar amounts. When you’re talking about $500,000, $1 million
policies, MetLife can be more competitive there, that’s typically when we
use them. They also insure active military personnel, so they can be a good
choice for that, as well.
We like Protective Life, a company that you may not have heard of, but
they’re another A+ rated company with just solid, excellent rates. When
they come up and they have the best rates, we like to go with Protective
Another company like we like to work with is ING. ING is particularly good
in a couple different situations, but ING and both Banner Life do not
discriminate for family history of cancers. What does that mean? It means
that a lot of life insurance companies will give you a lower health rating,
and in turn, a higher price for insurance if one of your parents has had
cancer. ING and Banner Life both don’t do that. ING is also an excellent
company if you’re a scuba diver. ING allows you to have unlimited dives per
year up to 100 feet, without charging you additional money for life
insurance. When it comes to scuba diving, ING can be a good choice.
Going back to American General, they can be a great choice when it comes to
cigar smoking. If you smoke a cigar, you can still get non-smoker rates
with American General, even if you smoke up to one cigar per week.
We work with a lot of life insurance companies, and the benefit of working
with independent agents like ChooseTerm.com is that we know which companies
are going to offer you the best rates in certain situations, especially if
you do smoke or have a preexisting health condition. You want to make sure
that you’re working with the best company for you. It doesn’t mean that
another life insurance company won’t cover you, but they may not offer you
the best rates. What we do is find out what your specific situation is and
then we match you up with the best possible life insurance company for you
These are just some of the life insurance companies we like. We also do no
medical exam life insurance. We work with ANICO (American National
Insurance Company). We work with Fidelity Life. We work with Transamerica.
There’s several companies that offer no medical exam; Assurity Life. We
find out what you’re looking for, we help you figure out what the best
options are for you, and then we match you up with the right company,
helping you find the best life insurance company for you.
There really isn’t one best life insurance company specifically for
everybody. The best life insurance company is the one that’s going to offer
you the best rates, that’s a high-quality company at the best prices with
the best type of coverage. We work with you to figure out which company
that is and how we can help you save money on life insurance.
If you’re watching this on YouTube, click the link below, go to our
website. You can compare life insurance rates right on our website. If you’re on our
website, there’s a quote form below this video. Compare rates, contact us, and we can help you save money on life insurance.
My name is Liran Hirschkorn, and I look forward to speaking with you. Thank
Author: Liran Hirschkorn