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Find Life Insurance That's Right for You
Quality life insurance carriers have four simple things in common: company stability, a wide variety of products, policy flexibility and exceptional customer support. Learn more about these features below.
What Makes a Quality Life Insurance Policy?
1. Stability and Reliability
A good life insurance policy is one that you know will be honored. As a policyholder, you want to be sure that your insurance company will pay your claim when the time comes. Find out which companies have strong Financial Strength Ratings (FSR) by checking online ratings agencies such as A.M. Best, Fitch or Standard & Poor's.
2. A Variety of Options
Find a company that offers a wide variety of insurance products. Even if all you need now is a traditional term life insurance policy for 10 years, having a larger selection of products may benefit you down the road as your insurance needs change. Look for a carrier that offers different types of life insurance policies — term, universal, whole, variable, final expense and long-term care, for example.
It can also be beneficial to find a company that offers additional services and financial products such as disability protection, accelerated death benefit riders, cost certainty and annuities.
Everyone’s life insurance needs are different and can change over time. You should choose a company that gives you the flexibility to update your policy as your needs evolve. Whether or not you foresee wanting to renew your policy past its original term, or convert it to a permanent one, having a flexible insurance policy that works for your needs is important.
4. Good Customer Support
Look at customer satisfaction ratings to determine if an insurance company has a good reputation with their customers. You can view customer satisfaction scores from independent ratings firms like J.D. Power.
Choosing a Policy
Everyone’s life insurance needs are different, and the right policy for one person may not be the right policy for someone else. A licensed agent can help evaluate your situation and match you with a life insurance policy that’s right for you. Speak with a licensed agent today at 800-966-7169.
*Applications for insurance may be subject to acceptance by insurer. Rates and coverage amounts will depend upon the carrier selected.