How much is life insurance?
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How much is life insurance going to cost you?
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SAVINGS
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KNOWLEDGE
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You won’t save one penny if you buy directly from the life insurance company. Rates are fixed by law and will be the same if you buy direct or from a broker.
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CHOICES
The best life insurance companies
These are just a few of the top rated life insurance companies we use in order to get you the best policy available.
Your choice of dozens of life insurance companies
We’ll always get you the best price because we have more “A” rated companies than the competition.
| Life Insurance Company | A.M. Best | S&P | Moody's | Fitch |
|---|---|---|---|---|
| Life Insurance Company | A.M. Best | S&P | Moody's | Fitch |
| 5Star | A- | |||
| AAA | A- | |||
| AARP | ||||
| Allstate | A+ | A+ | A1 | |
| American General | A | A+ | A2 | A+ |
| Americo | A | |||
| American National ANICO | A | A | ||
| Assurity | A- | |||
| AXA Equitable | A+ | A+ | Aa3 | AA- |
| Banner | A+ | AA- | AA- | |
| Fidelity Life | A- | |||
| Foresters | A | |||
| Genworth | A- | BBB- | Baa1 | |
| Gerber | A | A | ||
| Globe Life | A+ | AA- | ||
| Haven Life | A++ | AA+ | Aa2 | AA+ |
| John Hancock | A+ | AA- | A1 | AA- |
| ING Reliastar | A | A | A2 | A |
| Liberty Bankers Life | B++ | |||
| Lincoln Financial | A+ | A+ | Aa2 | AA+ |
| Mass Mutual | A++ | AA+ | Aa2 | AA+ |
| MetLife | A+ | AA- | Aa3 | AA- |
| Minnesota Life | A+ | A+ | AA | AA- |
| Mutual of Omaha | A+ | A+ | A1 | |
| National Life Group | A | A+ | A2 | |
| NCE | B++ | |||
| Nationwide | A+ | A+ | A1 | |
| New York Life | A+ | AA- | Aa3 | AA- |
| North American | A+ | A+ | ||
| Primerica Life | A+ | |||
| Principal Life | A+ | A+ | A1 | AA- |
| Protective | A+ | AA- | A2 | A+ |
| Prudential | A+ | AA- | A1 | A+ |
| Sagicor | A- | |||
| SBLI | A | A- | ||
| State Farm | A++ | AA+ | Aa1 | AA |
| Symetra | A | A | A3 | A |
| Transamerica | A+ | AA- | A1 | A+ |
| United Home Life | A- | |||
| Vantis Life | A- | BBB+ | ||
| William Penn | A+ |
APPLICATION
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Term life insurance with or without an exam!
We offer you every solution to meet every need. No matter if your goal is the lowest price, convenience, or getting approved as quickly as possible. We have every option covered!
Term Life
Medical Exam Required
$-$$
- Slower approval time [6 week average time] Bigger range of face amounts [$25,000- $5 Million+] Best suited for: Perfect health, High risks, Budget
No Exam Term Life
No Medical Exam Required
$-$$
- Faster approval times [Instant – 4 weeks] Smaller face amounts [Typically up to $500,000] Best suited for: Convenience & Speed
Lifetime Term
Guaranteed Universal Life
$$-$$$
- Affordable lifetime coverage Secure coverage to ages: [90, 95, 100 or 121] Great alternative to: Whole Life Universal Life
Even more options
We have what you’re looking for. No matter if you’re looking for a small Final Expense policy or a Whole Life policy that will build cash value.
Final Expense
Coverage for final expenses
$
- Simplified Issue [Answer questions to qualify] Guaranteed Issue [No health questions] No Medical Exam required Smaller benefit amounts [Up to $50,000]
Whole Life
Lifetime coverage + cash value
$$$
- Requires a medical exam Fully underwritten Lifetime coverage Cash value growth Higher benefit amounts [$50,000 – $5 Million+] Never lapses if paid