How do I choose a good, reliable company?

In general, state laws regulate all life insurance companies, and companies must be licensed to sell life insurance within the borders of a given state. Your State’s Department of Insurance (DOI) is responsible to see that insurance companies are managed in an acceptable fashion and have the financial reserves to pay their contractual obligations when the time comes. You can access your states DOI website by visiting our “Your State Life Insurance Guides.” Beyond seeking out any complaints that may have been brought against a life insurance company through your states Department of Insurance, it is best to seek out a life insurance company that has been consistently high rated. There are several independent organizations that rate life insurance companies; among them are A.M. Best, Moody’s Investor Services, Inc., and Standard and Poors. The companies listed in our List of the Top 25 Heath Insurance Producers, are those companies with solid financial standing, and that have consistently received the highest ratings from such organizations.

Affordable Life Insurance Rates
Are Waiting For You!
Choose Your State

Related Information

Life Insurance Companies

Finding the right life insurance company can help you choose a plan that meets your needs and your budget.

Read More

Learn About Life Insurance in Ohio

Find out what you can expect when buying a life insurance policy in Ohio.

Read More

Who Gets a Life Insurance Payout?

If you die, whoever you named beneficiary on your life insurance policy will get the death benefit or payout. Learn more about how it works.

Read More

Limits and Exclusions on Life Insurance Policies

There are some causes of death that are considered common life insurance exclusions that can prevent your insurer from paying out your death benefit.

Read More

What is Life Insurance? Why is it Important?

Life insurance helps ensure your loved ones and dependents are financially secure if you pass away.

Read More

Life Insurance for 55-Year-Old Male

Find out what your options are for life insurance if you're a 55-year-old male.

Read More

Tips From the Pros: Life Insurance

Here are some tips and advice for buying life insurance from life insurance professionals to help you make a good decision.

Read More

Term and Permanent Life Insurance | Their Meaning and Importance

What is the meaning of life insurance and what is its importance? Life insurance is financial protection for your beneficiaries in the event of your death.

Read More

Reasons to Get Life Insurance With No Dependents

Just because you don't have dependents doesn't mean you don't need life insurance. Find out why purchasing such a policy is still a good idea.

Read More