Finding the right term life insurance company can be a daunting task, especially with so many companies to choose from. You can, however, easily weed through the potential “weeds” and find the companies that have been proven, by real live policy holders, to be the best. For your convenience, we have included the top ten term life insurance companies in the country.
MetLife
Almost everyone has heard of MetLife at some point. They are one of the top life insurance companies in the United States and even have international presence, making MetLife one of the most world-known life insurance companies as well. But international presence isn’t the only characteristic of this top life insurance competitor so unique; MetLife has dedicated time and effort into providing services to underprivileged communities and individuals.
New York Life Insurance Company
Much like New York itself, New York Life Insurance Company has worked very hard at keeping up with the wants and needs of their customers while still staying in line with the services that other life insurance companies provide. Rated as one of the top ten life insurance companies in the United States, New York Life Insurance offers more than just term life insurance. They also offer permanent life insurance, business life insurance and survivorship insurance.
Aflac
American Family Life Assurance Company, otherwise known as AFLAC, is a life insurance company that appeals to its customers with more than just clever duck commercials. Voted as the World’s Most Ethical Companies by Ethisphere.com in 2011, this top rated life insurance company offers a full range of protection to individuals and employers. Everything from accidental death insurance to insurance that pays bills that major medical won’t is offered at a cost-effective rate.
Lincoln National
Lincoln National is one of the largest and most successful life insurance companies in the United States. Offering a wide range of services – term life insurance, linked benefit life insurance, universal life insurance, variable universal life insurance and even annuities – is part of what has made Lincoln National so successful. A wide range of services, however, could not have built their success alone. They also focus a great deal of effort in providing professional financial advice to their customers and potential customers.
Prudential Insurance Company of America
Prudential Insurance Company of America is actually a sect of Prudential. Prudential, as a whole, provides nearly every financial service offered on the market today – real estate, mutual funds, long term care, life insurance and annuities – are just a few of the services offered by the Prudential group. Prudential Insurance Company of America specifically offers all things life insurance to their customers – term life insurance, whole life insurance, variable life insurance, universal life insurance and survivorship life insurance. For those that want a lot of choices, Prudential could be just the company they had in mind.
Principal Financial
Principal Financial, like most of the best term life insurance companies in the U.S., offers services to both individuals and businesses. Best known for their high quality customer service, Principal Financial offers life insurance to its customers as well as dental and vision insurance. While they don’t seem to offer the wide range of life insurance policies that other top life insurance companies offer, the basic types are there (term life, survivorship) are there and their excellent services far outweigh the limit in products for most loyal Principal Financial customers.
Gentworth Financial
Gentworth Financial is a company that is designed exclusively for AARP members. They have set the bar for term life insurance companies by offering many other services that their term life insurance customers need. Term life insurance, long term care insurance, mortgage insurance, annuities and universal life insurance are just a few of the types of insurances they offer to their customers and all are offered with some of the best customer service agents in the country.
Massachusetts Mutual (MassMutual)
Massachusetts Mutual, otherwise known as MassMutual offers a wide range of products to their customers – term life, permanent life, whole life, universal life, variable universal life, survivorship insurance, annuities and more. Their ticket to success has been their diligence in providing sound financial advice to their customers about their investments and their future. If you are looking for a life insurance company that won’t try to sell you something you don’t need, rest assured that MassMutual is just the company you are looking for.
TIAA-CREF
TIAA-CREF, like other top life insurance companies, offers a wide range of products to their customers, but they also offer a product that is a little difficult to find; renewable term life insurance. Like term life insurance, you are covered for a specific period of time, but the time period is much shorter. Renewable term insurance only covers you for a year. This can be good for individuals that may be looking at a higher premium right now but are expecting changes that will lower their insurance premiums within a few years.