Top 10 Best Life Insurance Companies in USA

There are many companies providing life insurance services in USA. The Quality depends upon the customer service, price and different facilities provided by them. Below is the list of top 10 Best Life Insurance Companies in USA

List of top 10 Best Life Insurance Companies in USA

1. Met Life

We have Met Life in our list of top 10 Best Life Insurance Companies in USA at number 1. When it comes to great customer service, financial strength they are the best. They are perfect in insuring lively military individuals. Met Life is best for the patients diagnosed with type 1 diabetes, though Met Life may not be the best price option depending on the age of the onset.
Price is their weakness as Price may be the key factor for most of us.

2. Genworth

We have Genworth at number 2 in our list of Top 10 Best Life Insurance Companies in USA. With its presence in more than 25 countries and having assets of more than $100 billion Genworth is at number 4 in our list. Genworth has a large variety of products to choose from insuring that they have something for everyone. Genworth has liberal guidelines when it comes to weight.
Genworth’s weakness is that it can be very strict on particular medical conditions, as well as family’s medical history.

3. Banner Life

At number 3 in our list of Top 10 Best Life Insurance Companies in USA Banner Life. Without Banner Life our list wouldn’t have been completed. Banner Life is one of the best in the market not only because of the A+ rating but for their incomparable services and price. Great for People diagnosed with type 1 and type 2 diabetes. Its policies are renewable and convertible to the age of 95.
Banner Life is a large company which causes that the delay of approval is very much in the cards. In fact it happens most of the time.

4. North American Company for Life and Health Insurance

We have North American Company at number 4 in our list of Top 10 Best Life Insurance Companies in USA. Don’t let this long name fool you. You must have a look at them before you decide to buy insurance. They’ll provide you with an exceptional customer service. Universal life insurance, indexed universal life and term life insurance presents their strong products.
But as we said before that the price could be the deciding factor for most of the people, as is the case with North American Company for Life and Health Insurance.

5. American General (AIG)

We have American General at number 2 in our list of Top 10 Best Life Insurance Companies in USA. American General can be the best choice for most of the people as their underwriting is flexible and their price is also very low as compared to others.
Usually a 5 year term product but can be modified to a particular length from 15-30 years. AIG provides a facility that if you are diagnosed incurably sick; you can demand a portion of your insurance.
If you choose to buy through their retail call centre, you may be disqualified if you are a high risk applicant. You can also be disqualified if you plan to visit Mexico in next two years.

6. Foresters Life Insurance

At number 6 in our list of Top 10 Best Life Insurance Companies in USA Foresters Life Insurance. The work that it takes to give customer knowledge about the policy is the toughest thing to do about composing a life insurance policy with Foresters Life Insurance. They have a very strong product line as they almost offer every type of life insurance. They have a very competitive pricing and extremely liberal in writing guidelines.

7. American National Insurance Company (ANICO)

ANICO is another highly rated company that we like to offer to those who are looking for traditional term. The products that they offer don’t need any medical exam. Offered term can be for 10, 20 or 30 years. ANICO is the best insurance company in USA that provides no exam insurance. That is why ANICO is in our list of top 10 best life insurance companies in USA. If you are looking for a lowest premium, then this is not going to be the best choice for you.

8. Prudential

At number 8 in our list of Top 10 Best Life Insurance Companies in USA Prudential. Prudential is a type of company with whom everyone feels comfortable while working and everyone has heard of it. They have a Quality and strong product line as well as inventive underwriting. It uses applicant’s actual age as compared to others. A common practice within the life insurance companies known as actual age vs. insurance age. While their weakness is the pricing as competitors are offering much lower price than them.

9. Protective Life Insurance

Like mentioned about Banner life above, our list of Top 10 Best Life Insurance companies in USA wouldn’t have been complete. According to their website, the average processing time for a payout is 4 to 5 days. Protective Life Insurance is rated A+ by the A.M. Best and they are existing since 1907. All tobacco users are considered as same.

10. SBLI

The self-proclaimed “No Nonsense Life Insurance Company” is at the end in our list of Top 10 Best Life Insurance Companies in USA. They have better customer services and much better pricing in many categories as they are a small size company. They are offering terms for the period of 10, 15, 20, 25 and 30 years. However, they have a very strict underwriting and riders and product offerings can be limiting as well.

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