The Budget Life Premium Top 10.

Financial ratings are an indication of a life insurance company's ability to pay a death claim if and when your beneficiary files for it. The A.M. Best Company has long provided financial ratings for just this purpose. Generally, any of their A or higher rated companies have excellent financial strength. But, in case you want to see the cream of the crop, we provide you with the following companies who have achieved the highest (A++) financial rating from A.M. Best, as of May 2007.

These companies are presented in order of their competitiveness on rates, with the number one company having the lowest overall rates. We used a face value of $1,000,000 as the benchmark, and we then analyzed rates for the following configurations: ages 25, 35, 45, 55; 10 and 20 year term; non-tobacco user; Preferred Plus and Standard health; male and female sex. We assigned scores to the lowest ten rates in each category and then added them up... low score wins. (Source: Compulife Software, Inc. database, May 2007)

Rank Company Score
  1   Columbus Life Insurance Company   510
  2   John Hancock Life Insurance Company USA   444
  3      443
  4   TIAA-CREF Life Insurance Company   373
  5   Massachusetts Mutual Life Insurance Company   351
  6   Western-Southern Life Assurance Company   182
  7   Northwestern Mutual Life Insurance Company   133
  8   NYLIFE Insurance Company of Arizona   125

Follow this link to run rate comparisons of A++ companies for your specific requirements.