Who are the top insurance providers in the US for life insurance?

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I am wanting to get life insurance for myself and want to find out some good references or list of common providers in US.

Also, I need guidance of selecting the type of life insurance (what type of policy do most people normally get).


  1. Reply
    April 18, 2013 at 3:24 am

    One of the best ways to narrow down the list of potential insurers is to find out what the best rated companies are. The higher the rating the stronger the company. Standard & Poors is one of the common rating companies and you can search the ratings for your specific state here: http://info.insure.com/ratings/sandp.cfm

    Regarding the type, if you are younger the most common type if a simple term life policy. This is the most affordable type that can protect your family in the event of your death during your working years.

    The other common types of insurance are those that build cash value, your whole life and universal life type of policies. These have more expensive premiums, but they also build a cash value unlike term insurance.

    The drawback is that the interest and growth of the cash value is quite low for a younger person who has many years left that can earn more money elsewhere. The single premium whole life type options can come in handy in generational or estate planning later in life though.

  2. Reply
    April 18, 2013 at 3:56 am

    Here is a list of some top-rated life insurance and some information about term life insurance.

    Top Term Life Insurance Companies and their A.M. Best financial strength ratings

    New York Life A++ rated
    Nationwide A+ rated
    Globe Life Insurance Company A+ rated
    Allstate A+ rated
    Prudential Life Insurance A+ rated
    Liberty Mutual A rated
    Farmers A rated
    State Farm A++ rated
    AAA Life Insurance A- rated
    Metropolitan (MetLife) A+ rated
    Northwestern Mutual A++ rated
    AIG A++ rated
    Liberty National A+ rated
    Mutual of Omaha A rated
    Country Insurance A+ rated
    MEGA Health and Life A- rated
    American Family A+ rated
    RBC Insurance A rated

    Most consumers choose level term life insurance because it provides you with level rates and level death benefits for up to 30 years. Term life insurance offers the maximum amount of protection at the lowest rates in most cases.

    You can compare quotes online through life insurance quotes provider services.

    Best of luck to you!

  3. Reply
    April 18, 2013 at 4:00 am

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