Life Insurance

Life insurance comes in many fancy packages these days, but it's core purposes are the same as always: to protect a family's source of income, to ensure continuity of businesses and jobs, and to provide liquidity and tax planing toward wealth transfer. There are several critical factors to consider when choosing a life insurance company and a life insurance policy.

Premium: Obviously, your life insurance premium is going to be a major factor in selecting a life insurance company. To assist you with this, we maintain the Budget Life Top 15 Life Insurance Companies. This ranking is updated regularly whenever life insurance rates change. This way you can stay on top of this rapidly changing marketplace. Also, you can get an individualized Life Insurance Quote, specific to your situation. Additionally, we provide Canadian quotes and information on UK Life Insurance.

Financial Strength: A life insurance company's financial strength rating is a direct measure of the company's ability to pay claims. You have to ask yourself: If you were buying a parachute, would you buy an A+ parachute or an A++ parachute? A.M. Best has maintained financial strength ratings of life insurance companies for over 100 years. We provide a ranking of these Premium Life Insurance companies, so that you can see which of these A++ rated companies also have competitive life insurance premiums.

Underwriting: Some life insurance companies publish low rates, but then make it difficult to achieve the underwriting classification necessary to obtain those rates. This can make applicants feel like they have been victims of "bait and switch." Make sure to discuss these underwriting intricacies with your life insurance agent. To this end, we provide a tool to select your best life insurance company by answering questions about your underwriting factors.

Service: Some companies provide life insurance agents with a higher level of service and more effective communication of status. Your agent can then pass this service level on to you. You should not be kept in the dark while your life insurance application is going through the underwriting process.

Efficiency: Some life insurance companies are more efficient at processing applications than others. This equates to obtaining your life insurance policy more quickly and with fewer hassles.

Agent Expertise: We encourage you to have an open dialogue with your independent life insurance agent, so he or she can assist in making the choice that is best for you. Remember, your priorities will determine your best life insurance policy. Your agent's expertise can help you make this choice.

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