Life insurance is a type of agreement in the form of insurance which you and your family buy from insurance companies. People generally take life insurance for the safety and stability of their family. When you take a life insurance policy, you also have to authorize a beneficiary. The person whom you nominate as your beneficiary will receive the death benefit in case you pass away. In return of these services, you as the policy owner, have to pay a regular monthly premium based on the terms and conditions which have been laid down in the contract. The top rated life insurance companies offer you various forms of insurance, the most common one being term life insurance.
Today's people are smart and know that having a life insurance plan is a great investment. Choosing the best life insurance policy for your family is very necessary. It safeguards you and your family interests in tough times. So if you are planning to take a life insurance policy, here are the names of top rated life insurance companies, whom you can approach.
Top Rated Life Insurance Companies in USA
A good life insurance life policy is one of the best investments and is a smart move to safeguard of your family in times of uncertainty. If you find yourself insured with a good policy then you have a helping hand with you always in case your ship sails in troubled waters. The main factors to look while choosing the best life insurance policy are reliability, price, flexibility, various offers and financial benefits. Here some of the best life insurance companies in the market.
MetLife
Half of the population in the US is insured with MetLife. It's one of the most popular and productive insurance companies in the US. It specializes in term insurance which is provided in the different modes. Their motto to serve the ones in need and helpless has made them one of the top insurers in the USA. Not only in the US, MetLife has also international presence in almost every continent in the world and is still one of the biggest names when it comes to life insurance.
American International Group
Popularly known as AIG, American International Group is one of the best names in life insurance and financial services all around the world. They have their branches in more than 100 countries and AIG is a name which is synonym to life insurance. It's been rated as one of the top rated life insurance companies 2010 by many international survey magazines.
New York Life Insurance
It's one of the most globally recognized names in the market of insurance. New York Life Insurance has always accepted change and always have re-structured itself and its policies according to the market and various individuals. The company provides life insurance in the following categories which are term insurance, permanent life insurance, survivor-ship life insurance as well as business life insurance. It has received excellent ratings for being one of the most flexible companies when it comes to offering life insurance and financial management.
Lincoln National
It's a reputed name when it comes to life insurance. Lincoln offers life insurance in the following categories which include universal life, term life, variable universal life and linked benefit life. Lincoln National is known for having the most professional and helpful staff who always are always approachable in providing different kinds of life insurance. It's one of the most successful and the biggest names in the US insurance market.
Top Rated Term Life Insurance Companies
Of the many life insurance policies available in the market, term life insurance is regarded as one of the most cheapest ones. The best part about term life is every premium you pay is specifically used for your insurance and not for investment purposes. Here are some names which offer the best term life insurance policies
- ING ReliaStar Life Insurance Company
- West Coast Life Insurance Company
- Banner Life Insurance Company
- Protective Life Insurance Company
- Transamerica Life Insurance Company
- Lincoln National Life Insurance Company
By Kulbhushaan Raghuvanshi
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