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Best Life Insurance Companies In The US - American Term ™

Best Life Insurance Companies In The US

We can offer you insurance from the best life insurance companies in the U.S.

 

Whether you're looking for the insurance carrier that offers the absolute lowest rates in the country, or just the lowest life insurance rates for diabetics or if you have other preexisting conditions.

 

Doesn't matter if you want term life insurance or other type of guaranteed life insurance...

 

If you want insurance with chronic and critical illness living benefits, best Guaranteed Universal Life insurance or if you just want a policy to pay for estate taxes or even just seniors life insurance for funeral costs...

 

We can help you!

Top 20 Life Insurance Companies 2019

 

We have a database of life insurance rates from hundreds of different insurance companies and we analyzed the best term life insurance plans and guaranteed permanent life insurance rates from ages 30 to 70, and below are the top 20 companies for people in good to average or slightly below average health along with their AM Best financial strength ratings. 

 

There are many other companies available that could be better for you based on your exact medical and other history and depending on the plan and amount of insurance you want.

 

Banner Life- A+ Superior AM Best- offer great low cost term life, can be good for people with health issues, great customer service, easy application process, conversion option available for level premium term period up to age 70 but only allows conversion to one high priced guaranteed universal life product and they currently offer no living benefits besides for terminal illness.

 

Pacific Life- A+ Superior AM Best- definitely a top pick that offers low cost term and permanent insurance options, can be good for slightly overweight and people with other health issues, good customer service, no exam required for people age 50- 69, decent conversion option, offers terminal illness living benefit on term and you can add chronic illness benefit to permanent product for additional charge.

 

Protective Life- A+ Superior AM Best- offers great low cost term and permanent coverage, can be very good for people with weight and cardiac issues, good customer service, offers slightly higher costing term plan with more flexibility to convert or continue coverage after original term period ends, includes terminal living benefit on term and can add a chronic and critical illness living benefits rider on permanent coverage.

 

American General/AIG- A Excellent AM Best- offers good low cost term and permanent products, can be good for people with health issues, okay customer service, term conversion option is good in early policy years but with limitations in later policy years, only includes terminal illness living benefit on term but can add chronic illness benefit to permanent insurance for additional charge

 

American National Life- A Excellent AM Best- offers good low cost term and permanent life insurance products with chronic, critical and terminal illness living benefits built in to all of their policies, okay for people with some minor health issues, they're only company that allows you to convert annually renewable term to longer term in first 3 years, no medical exam required up to $250k amount and age 65, customer service is okay, allows conversion of term to ANY of their permanent products for full level premium term period up to age 65.    

 

North American Company for Life & Health- A+ Superior AM Best- offers good low cost term and permanent life insurance with chronic, critical and terminal illness living benefits built in to most of their policies, okay for people with some health issues, very good customer service, great conversion option and allows conversion of term to ANY of their permanent products for full level premium term period up to age 70 or 75.

 

Lincoln Financial- A+ Superior AM Best- offers good low cost term and permanent life insurance options with terminal illness living benefits only, great customer service, okay for people with some health issues but more aggressive in underwriting on permanent products, conversion option on term is okay with limitations in later policy years. 

 

Principal National Life- A+ Superior AM Best- offers good low cost term and permanent life insurance coverage with terminal illness living benefits only on term and guaranteed universal life, good customer service, can be good for people with autoimmune or other health issues, offers 2 term products one with a much better conversion option.  Can add a chronic illness rider to some permanent products for additional charge

 

Penn Mutual- A+ Superior AM Best- offers decent low cost term and very competitive permanent life insurance products including an excellent whole life cash value insurance plan, good customer service, not so good for people with health issues, offers 2 term products one with no conversion option and the other with conversion for level premium term period up to age 70, chronic illness rider included on permanent products only. 

 

SBLI (Savings Bank Life of MA)- A Excellent AM Best- offers good low cost term life insurance premiums that requires no blood or exam for ages 18 to 60 buying up to $500k, good customer service, not so good for people with health issues, conversion of term available for level term period up to age 70 but their products available for conversion are expensive.

 

John Hancock- A+ Superior AM Best- good term and permanent life insurance products, good customer service, can be good for people with some health issues like diabetes, good conversion option on term which is available for level premium term period up to age 70, can add long-term care rider to permanent life insurance plans for additional charge.

 

Symetra Life- A Excellent AM Best- term not usually competitively priced but very good permanent products, good customer service, okay for people with some health issues, have chronic illness benefits built into their permanent products and can pay extra to get even better chronic illness benefits.

 

Prudential- A+ Superior AM Best- good term and permanent options for life insurance, good customer service, can be good for people with more significant health issues, include a nursing home living benefit option on their term and permanent policies, term can be converted to any permanent product for level premium term period up to age 65.

 

Sagicor Life- A- Excellent AM Best- decent term and permanent products that do not require an exam for amounts up to $1,000,000, not great for people with health issues, they include nursing home and terminal illness living benefits built into their term and permanent products, good customer service, term can be converted for level premium term period up to age 70. 

 

Nationwide- A+ Superior AM Best- competitive permanent life insurance products, not so competitive for term insurance policies and not usually good for people with health issues, can add a long term care rider to their permanent products for an additional charge. 

 

United of Omaha- A+ Superior AM Best- decent term and permanent products and they offer no exam "express" products that do not require an exam for amounts up to $300,000 and age 65, can be decent for people with health issues, they include chronic illness living benefits built into their permanent products for which everyone qualifies even on highly rated policies, good customer service, term can be converted for level premium term period up to age 75. 

 

Minnesota Life- A+ Superior AM Best- competitive term and permanent life insurance products, offers 2 different term products one with better conversion option up to age 75, offers long term care agreement on some permanent products, not so good for people with health issues.  

 

Ohio National Life- A+ Superior AM Best- decent term and permanent products, they offer 2 different term products one with better conversion, not so good for people with health issues, good customer service.

 

Columbus Life- A+ Superior AM Best- decent term and permanent products with chronic and critical illness living benefits, they are one of the only companies that offers a predictable chronic and critical illness living benefit payout, excellent customer service and are more liberal in underwriting on permanent products.


Cincinnati Life- A Excellent AM Best- decent term and permanent products, have one of the lowest costing whole life products available, age last birthday advantage and great for non-cigarette tobacco users. 


Again, there may be other companies than the above that could make you the best offer... 


Other Top Life Insurance Companies USA


Since many insurance companies do have a niche, whether for final expense life insurance for seniors, guaranteed issue whole life insurance, if you need marijuana user life insurance or whatever your issue may be...


Below is a master list of all the top life insurance companies available to you. One of these may be best for you, and let us know if we can help narrow down your search: 
  • AAA Life Insurance Company
  • Accordia Life
  • Allstate Life Insurance Company
  • American Amicable Life
  • American Continental Insurance Company
  • American Memorial Life
  • American Fidelity Assurance Company
  • American General Life AIG
  • AGLA- American General Life & Accident
  • American Home Life Insurance
  • American National Life Insurance Company (ANICO)
  • American Progressive Life & Health of NY
  • American United Life Insurance 
  • Americo Financial Life and Annuity Insurance
  • Ameritas Life Insurance Corp
  • Assurity Life
  • Athene Life Insurance Company
  • Aurora National Life Assurance
  • AXA Equitable Life Insurance
  • Baltimore Life Insurance
  • Bankers Fidelity Life Insurance
  • Banner Life Insurance Company
  • Boston Mutual Life Insurance
  • Brighthouse Financial (Met Life)
  • Capitol Life Insurance
  • Centrian Life Insurance
  • Cincinnati Life Insurance Company
  • Christian Fidelity Life Insurance
  • Columbian Mutual Life Insurance
  • Columbus Life Insurance Company
  • Companion Life Insurance Company of NY
  • EMC National Life
  • Equitable Life and Casualty Insurance
  • Family Benefit Life Insurance
  • Farmers Life Insurance
  • Federal Life Insurance Company
  • Fidelity Life Association
  • 5 Star Life Insurance Company
  • Genworth Life Insurance Company
  • Gerber Life Insurance
  • Gleaner Life Insurance
  • Global Atlantic Life
  • Government Personnel Mutual Life
  • Grange Life Insurance Company
  • Great Western Life Insurance Company
  • Guardian Life Insurance Company of America
  • Haven Life (Mass Mutual)
  • Illinois Mutual Life Insurance Company
  • Independent Order of Foresters
  • John Hancock Life Insurance Company
  • Kansas City Life
  • Kentucky Home Life
  • Lafayette Life Insurance Company
  • Liberty Bankers Life
  • Life Insurance Company of the Southwest
  • Lincoln National Life Insurance Company
  • Madison National Life insurance Company
  • Massachusetts Mutual Life insurance Company
  • Manhattan Life insurance Company
  • Midland National Life 
  • Minnesota Life
  • Monumental Life
  • Motorists Life
  • Mountain Life Insurance Company
  • MTL Insurance
  • Mutual Trust Life Insurance Company
  • Nassau Life Insurance Company
  • National Benefit Life
  • National Guardian Life
  • National Life Insurance Company of Vermont
  • Nationwide Life Insurance Company
  • Nationwide Life and Annuity
  • National Western Life
  • New York Life
  • North American Company for Life & Health
  • Northwestern Mutual
  • Occidental Life Insurance Company
  • Ohio National Life
  • Oxford Life
  • Pacific Life Insurance Company
  • Pacific Guardian Life
  • Pan American Life
  • Paul Revere Life Insurance Company
  • Penn Mutual Life
  • Polish Roman Catholic Union of America
  • Primerica Life
  • Principal Life  
  • Principal National Life
  • Protective Life
  • Provident Life and Accident
  • Principal Life and Principal National Life
  • Prudential Life
  • Royal Arcanum Life
  • Royal Neighbors of America
  • Sagicor Life
  • Savings Bank Life Insurance Company of MA
  • SBLI USA Life Insurance Company
  • Securian Life Insurance Company
  • Security Mutual Life Insurance Company of NY
  • Security National Life
  • Sentinel Security Life
  • Sentry Life Insurance Company
  • Sons of Norway
  • Standard Life and Accident
  • State Farm
  • Starmount Life
  • Stonebridge Life
  • Sunset Life
  • Symetra Life
  • TIAA-CREF
  • Thrivent Financial for Lutherans
  • Transamerica Life Insurance Company
  • Trinity Life Insurance Company
  • Union Labor Life 
  • United Farm Family 
  • United Home Life
  • United Heritage Life
  • United Heritage Life
  • United of Omaha
  • United States Life in the City of NY
  • USAA
  • Vantis Life
  • Voya Financial
  • Western & Southern Life Insurance Company
  • William Penn Life Insurance Company of NY
  • Woman's Life Insurance Society
  • Zurich American Life 
  • Zurich American Life of NY 

Best Life Insurance Rates 2019


Below are the best case scenario $250,000 term and permanent insurance rates from 10 year to 50 year guaranteed level rates.  These are all monthly rates from ages 40- 70 for males and females:

...

Male Age 40

Male Age 50

Male Age 60

Male Age 70

10 Year Level:

$12

$24

$59

$173

20 Year Level:

$17

$40

$107

$409

30 Year Level:

$29

$69

$239

$560

40 Year Level:

$62

$147

$294

$599

50 Year Level:

$101

$173

$331

$602

...

Female Age 40

Female Age 50

Female Age 60

Female Age 70

10 Year Level:

$11

$21

$41

$106

20 Year Level:

$15

$31

$77

$257

30 Year Level:

$24

$52

$202

$457

40 Year Level:

$49

$126

$252

$506

50 Year Level:

$83

$155

$273

$506

How To Find Best Life Insurance Company


Process is the same regardless of the type of life insurance you want or your health condition.

 

We'll need to gather the basic information from you below and then we'll shop with every competitive life insurance company to find you the best offers. 

  1. 1
    Date of birth and State of residence?
  2. 2
    Prescription medications?
  3. 3
    Any past or present medical history?
  4. 4
    Any immediate family history of cardiovascular disease or cancer prior to age 65?
  5. 5
    Any hazardous avocations?
  6. 6
    Do you have a clean driving record?
  7. 7
    Height and weight?
  8. 8
    Any tobacco, nicotine or marijuana used in past 5 years?
  9. 9
    Amount of life insurance?

We’ll Find Best Insurance Company For You

 

With answers to the questions above we’ll be able to find you the most affordable life insurance options and provide as many insurance quotes as you need to make a decision.

 

Whether you want 10 year term, guaranteed universal life, whole life insurance or even guaranteed acceptance life insurance, we’ll find you the best insurance premiums and we’ll make buying life insurance a hassle free process.

 

We will order your medical records when they’re required so that we are in control and can use them to get offers from ANY life insurance companies.

 

We’re independent agents and have no bias towards or against ANY life insurance companies and our only goal is to get you the best rate and value.

 

We can offer you coverage from ANY competitive life insurance company as long as they have good financial strength and are quality companies!

 

Need help?  Call us today at 1-800-380-3533 if you’d like a life insurance quote or any insurance information…or just click on link below if you only want to compare quotes and don’t want to speak to an insurance agent.