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Best Term Life Insurance Companies: Find the Best Term Life Insurance Companies - YouTube
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In this video, I'm going to talk about some
of the best life insurance
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companies out there, why I like them, and
how you can compare rates among
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all those companies coming up.
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If you're looking for life insurance, you
might be trying to figure out
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which is the best life insurance company out
there for me?
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Who should I go
with?
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Maybe somebody recommended a company to you
and you don't know if
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they're just recommending that company because
they work for the company or
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are they really the best life insurance company
for you?
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At ChooseTerm.com,
we are independent life insurance agents.
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What does that mean?
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It means
that we work with over 30 life insurance companies
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and we're not biased.
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We
just work with the best life insurance companies
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out there.
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Which ones are some that we like?
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Let's start off with Banner Life
Insurance.
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Banner Life Insurance is a company that's
been around since
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1949.
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They have an A+ rating and they just have
excellent life insurance
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rates.
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We like Banner Life.
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We also like them for some preexisting
conditions.
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For example, if you have diabetes, Banner
Life might be a good
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choice for you.
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American General Life Insurance is another
company that we like.
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American
General been around over 160 years.
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They have 13 million customers, and
they're an excellent life insurance company.
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We like them also because of
their excellent rates and they also may be
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good for certain preexisting
health conditions.
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We like Transamerica; Transamerica is an A+
rated company.
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They're one of
the few companies that offers term life under
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$100,000.
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You can get a term
life policy or a permanent universal life
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policy with Transamerica for as
little as $25,000 in coverage.
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Most life insurance companies out there
start at $100,000 or more.
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We like Transamerica.
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Transamerica also offers
no medical exam life insurance so it's another
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great option if you're
looking to avoid the whole medical exam part
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of getting life insurance,
Transamerica might be a good choice for you.
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Prudential, another solid company; A+ rated
company, been around many, many
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years.
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You've probably heard of Prudential.
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Prudential's an excellent
company.
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They're really good for certain things.
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They do have competitive
rates.
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They are also good, for example, if you use
chewing tobacco but you
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don't smoke cigarettes.
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Prudential's probably the only company that
will
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offer you non-smoker rates.
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Also, if you use something like a nicotine
patch, they'll offer you non-smoker rates.
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They're particularly good for
this.
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Prudential also offers life insurance to active
military.
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Even if you
have deployment papers, Prudential will still
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insure you.
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The only caveat
is you have to sign the application in the
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US.
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Prudential's also good for
certain preexisting health conditions.
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We like MetLife.
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MetLife also, sometimes, they have competitive
rates for
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higher dollar amounts.
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When you're talking about $500,000, $1 million
policies, MetLife can be more competitive
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there, that's typically when we
use them.
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They also insure active military personnel,
so they can be a good
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choice for that, as well.
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We like Protective Life, a company that you
may not have heard of, but
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they're another A+ rated company with just
solid, excellent rates.
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When
they come up and they have the best rates,
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we like to go with Protective
Life Insurance.
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Another company like we like to work with
is ING.
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ING is particularly good
in a couple different situations, but ING
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and both Banner Life do not
discriminate for family history of cancers.
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What does that mean?
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It means
that a lot of life insurance companies will
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give you a lower health rating,
and in turn, a higher price for insurance
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if one of your parents has had
cancer.
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ING and Banner Life both don't do that.
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ING is also an excellent
company if you're a scuba diver.
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ING allows you to have unlimited dives per
year up to 100 feet, without charging you
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additional money for life
insurance.
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When it comes to scuba diving, ING can be
a good choice.
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Going back to American General, they can be
a great choice when it comes to
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cigar smoking.
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If you smoke a cigar, you can still get non-smoker
rates
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with American General, even if you smoke up
to one cigar per week.
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We work with a lot of life insurance companies,
and the benefit of working
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with independent agents like ChooseTerm.com
is that we know which companies
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are going to offer you the best rates in certain
situations, especially if
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you do smoke or have a preexisting health
condition.
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You want to make sure
that you're working with the best company
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for you.
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It doesn't mean that
another life insurance company won't cover
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you, but they may not offer you
the best rates.
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What we do is find out what your specific
situation is and
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then we match you up with the best possible
life insurance company for you
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specifically.
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These are just some of the life insurance
companies we like.
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We also do no
medical exam life insurance.
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We work with ANICO (American National
Insurance Company).
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We work with Fidelity Life.
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We work with Transamerica.
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There's several companies that offer no medical
exam; Assurity Life.
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We
find out what you're looking for, we help
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you figure out what the best
options are for you, and then we match you
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up with the right company,
helping you find the best life insurance company
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for you.
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There really isn't one best life insurance
company specifically for
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everybody.
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The best life insurance company is the one
that's going to offer
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you the best rates, that's a high-quality
company at the best prices with
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the best type of coverage.
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We work with you to figure out which company
that is and how we can help you save money
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on life insurance.
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If you're watching this on YouTube, click
the link below, go to our
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website.
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You can compare life insurance rates right
on our website.
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You can
contact us; you can call us 800-574-0245,
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extension 101.
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If you're on our
website, there's a quote form below this video.
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Compare rates, contact us,
call us, and we can help you save money on
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life insurance.
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My name is Liran Hirschkorn, and I look forward
to speaking with you.
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Thank
you.
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