We offer life insurance products from over 40 companies in the US. We like to provide company reviews for consumers on many of the companies that we work with. In this blog we will be discussing Foresters Financial. The company has been around for many years and has an excellent reputation for taking care of its clients. We will give a brief background of the company and discuss two of its popular life insurance products; Your Term Life Insurance and Plan Right Whole Life product that is designed to help with final expenses. Here is our Foresters Life Insurance Company Review.
How Some Life Insurance Ads Mislead Consumers
We are constantly bombarded by life insurance ads online and on television that make promises of low rates and guaranteed coverage. If a life insurance offer looks too good to be true, there is usually some fine print that explains the conditions of the offer. Our goal is to make sure consumers know what to look for when they see these types of advertisements. We took a look at a few ads that we saw online and showed how they could be a bit misleading. Here is what you need to know about how some life insurance ads mislead consumers.
5 Star Life Insurance Term to 100 Review
If you’re looking for an alternative to a fully underwritten life insurance policy, 5 Star Life Insurance Term to 100 could be right for you. 5 Star Life insurance offers term life coverage that lasts to age 100 without a medical exam. In fact, there are only a handful of medical questions that need to be answered and approval is immediate. But before you consider the 5 Star Life Insurance Term to 100 policy, let us give you all of the details so you can make an informed decision. Here is our 5 Star Life Insurance Term to 100 Review.
Primerica Life Insurance Review
If you are considering a term life insurance policy from Primerica or you already have one, you might want to read our review. With all of the choices you have for term life insurance coverage, it makes sense to shop around before considering a policy from Primerica. You will find that Primerica’s term life coverage is not competitive with other companies and lacks a very important feature found with almost all term policies. In this post we will talk about how Primerica’s term life product stacks up to the competition.
Pacific Life Company Review
We are very particular about the insurance companies that we work with. We only work with quality companies that pass our own comprehensive review. When we review life insurance companies, we look closely at criteria such as coverage rates, underwriting standards, product offerings and financial ratings. In this post, we are going share our review of Pacific Life. Pacific Life is one of the most respected names in the industry and once you read our review, you will understand why it is one of our favorite companies. Here is our Pacific Life company review.
Top 10 Best Life Insurance Companies
According to Archstoneinsurance.com
At ArchstoneInsurance.com, we have access to over 40 of the top life insurance companies in the industry. Although we consider all of these companies quality insurers, over time we have isolated our list of top 10 best life insurance companies. We considered a number of different factors such as cost, underwriting strengths, product features, product offerings and financial strength. Below is a list our list of top 10 best life insurance companies and the pros and cons to working with each. Keep in mind that each company has its own particular strengths, so our list below is in no particular order.
Product Review: American General Secure Lifetime GUL II
If you are looking for lifetime coverage at an affordable price, American General’s Secure Lifetime GUL II might be the right fit for you. The Secure Lifetime GUL II offers some unique features that set it apart from the competition. The product is also one of the least expensive guaranteed universal life options available on the market. It is truly a comprehensive product that can be designed to offer protection if you die to soon, live too long or get sick along the way. Here is our review of American General’s Secure Lifetime GUL II.
Life Insurance for Military Personnel
For those in the military who risk their lives to protect our freedom, it is important that they are provided with affordable life insurance options without any major restrictions. If you are in the military, we want to make sure that you know all of your best options for life insurance coverage. Government sponsored programs offer limited coverage amounts and many commercial life insurance companies restrict coverage for active military personnel. In this post we will talk about life insurance options for military personnel and how to get the best rates for coverage. Here is what you need to know about life insurance for military personnel.
Protective Life Insurance Company Review
Clients often want to know which life insurance company we think is the best. That is a difficult question to answer because there are so many variables that should be considered such as product offerings and features, financial ratings, cost of coverage and underwriting strengths. One company that is competitive in almost all of these areas is Protective Life Insurance Company. In this post we will provide a review of Protective Life and tell you why we think it is one of the best all-around life insurance companies out there.
Product Review: Alumni Insurance Program Life Insurance
You may have seen an ad in your alumni association newsletter or on its website for the Alumni Insurance Program (AIP). This is a program that offers life, health and other types of insurance plans to more than 300 alumni associations. You might think that buying life insurance through your alumni program will save you money, but in most cases it doesn’t. We took a look at the Alumni Insurance Program’s life insurance offerings and compared the rates and features to individual plans outside of the program. Here is our review of the Alumni Insurance Program’s life insurance offerings.
Product Review: Gerber Guaranteed Issue Life Insurance Plan
When most people hear the name Gerber, they think baby food. But the fact is that Gerber also offers insurance products through its affiliate, Gerber Life Insurance. Gerber’s Guaranteed Issue Life Insurance Plan offers a smaller amount of coverage that could be a great fit for those looking to cover the cost of final expenses. It offers a simple application with no health or medical questions and guaranteed approval. But before you consider Gerber’s guaranteed issue product, we want you to know all of the facts. In this post we will review the Gerber Guaranteed Issue Life Insurance Plan to help you determine if it is the right plan for you.
How Does Guaranteed Universal Life Insurance Work?
Guaranteed universal life (GUL) insurance has been generating quite a bit off buzz in recent years since it offers lifetime coverage that is more affordable than whole life or traditional universal life products. To many, this might seem like the best of both worlds – affordable premiums and lifetime coverage. But before you consider a GUL policy it is important to understand exactly how it works. In this post we will explain how GUL insurance works as well as its benefits and drawbacks.
Is the Federal Employees’ Group Life Insurance Plan (FEGLI) Worth It?
Federal Employees’ Group Life Insurance plan or FEGLI for short is the largest group policy in the world, covering 4 million Federal employees and retirees, as well as many of their family members. Like other group policies, it allows employees to enroll in life insurance coverage without a medical exam. Group policies can be tempting because of the limited underwriting and the convenience of having premiums deducted right from your paycheck, but in most cases an individual policy will always be a better bet. In this post, we will help you decide if the Federal Employees’ Group Life Insurance Plan (FEGLI) is Worth It.
Product Review – John Hancock Vitality Program
John Hancock has teamed up with Vitality to introduce a new innovative life insurance program in the U.S. that integrates wellness rewards with life insurance coverage. The Vitality Program from John Hancock offers policyholders the opportunity to earn rewards for travel, entertainment, shopping and fitness as well as the opportunity to reduce premiums by simply living a healthy lifestyle. If you’re looking for more out of your life insurance coverage, John Hancock’s Vitality Program could be a good fit for you. Here’s how it works.
Prudential Term WorkLife 65 Review
For those of you looking for the complete solution to your term life insurance needs, Prudential’s Term WorkLife 65 product could be the answer. Prudential’s WorkLife 65 product is a comprehensive term policy that offers guaranteed level premium coverage until age 65 with premium payment protection built in if you become unemployed or disabled while your policy is in force. The Work Life 65 product offers affordable rates for a policy that includes several valuable features not found in many term policies. Here’s how it works.
Farmers Term Life Insurance Review
Farmers Insurance has become a household name. It seems that every time we turn on the television we are being barraged with the company’s funny commercials and catchy jingle “We are Farmers!” Farmers Insurance is considered a well-respected insurance company with a history spanning almost 100 years. It has an excellent reputation for providing reasonable rates on home, auto, business and renters insurance. But when it comes to term life insurance, Farmers rates can be substantially higher than its competitors. In this post, we will take a look at how Farmers Value Term Life Insurance rates stack up against the level premium term rates of another highly rated company in the industry.
Is AICPA Life Insurance Worth It?
Like many other member associations, the American Institute of Certified Public Accountants (AICPA) allows its members the opportunity for group rates on various life insurance products. It might be tempting to go the group rate route for most people since it is usually easier to apply and requires less underwriting than traditional fully underwritten policies, but most group policies have drawbacks such as increasing premiums and limits on coverage. In fact, if you are willing to take the time to apply for a fully underwritten policy, you could save thousands over the life of your policy. Here is a look at how the AICPA’s term life insurance plans stack up against fully underwritten individual policies
United of Omaha’s Fit Program Can Save You Thousands
On our blog, we always talk about how we can save people with health impairments money on their life insurance coverage. We know which life insurance companies are most flexible when underwriting certain health issues. We also know which companies allow credits that will improve your final health rating which is important in determining your premium. Through United of Omaha’s Fit Program, you can improve your health rating by two table credit ratings if you have a health impairment but are otherwise healthy and exhibit positive lifestyle habits. This could lead to thousands of dollars in savings over the life of your policy. Here’s how it works.
Sagicor No Exam Term Life Insurance Review
Do any of these scenarios apply to you? You need life insurance but you don’t want to deal with being poked with a needle. You need immediate life insurance coverage and you don’t have the time to wait through the full underwriting process. You need life insurance and you don’t have time to take a paramedical exam. If any or all of these scenarios apply to you, Sagicor’s Sage non-medical term product could be the right option for you. It offers affordable term coverage up to $500,00, an easy application process and no medical underwriting. Here’s how it works.
Transamerica Trendsetter LB Review
When people think of term life insurance, they almost never think of it as a product that can provide benefits while they are still living. The fact is that most traditional term policies don’t provide many living benefits. But what if there was affordable term product that provided cash to help you pay for chronic and critical illnesses? Well look no further. Transamerica’s Trendsetter LB (Living Benefits) term life insurance product offers the affordability of a traditional term policy with access to living benefits to help you deal with any of life’s unpredictable events.
$1,000,000 of Life Insurance with No Medical Exam
That is not a typo. Through Principal Financial’s Accelerated Underwriting Program, you can get up to $1,000,000 of coverage with no medical exam if you qualify. The program is available for all of Principal’s life insurance products and is perfect for applicants who are in good health and would like to potentially avoid taking a paramedical exam. Even if you don’t qualify, you might still be able to get preferred rates. Here’s how it works.
Protective Life Custom Choice UL Review
Protective Life’s Custom Choice UL is truly a unique product. It allows you to customize a level premium and death benefit period of like a term policy. Once that period has expired, you have the option to continue the policy with more modest coverage without increasing your premiums for many years. It offers a convenient option for those who may need a smaller amount of coverage later in life without having to deal with applying for a new policy when health issues might be a challenge. The Custom Choice UL allows premium flexibility, a generous conversion feature and several optional riders that can be added to enhance the coverage. It is also one of the lowest priced options on the market. Here’s how it works.
Prudential Term Essential and Term Elite Review
Prudential’s Term Essential and Term Elite products are two term life insurance products that are similar in many ways except for a couple of features. The Term Essential product is considered a simple term product for those who need affordable level term coverage that is convertible to permanent coverage in the future. Term Elite also offers affordable level term coverage but is geared for those who are going to convert to permanent coverage by offering a conversion credit if converted within the first 5 years. Let’s take a closer look at these two products and how they compare.
American General Select-a-Term Review
While most other life insurance companies only offer 5 or 6 duration choices for term life insurance, American General’s Select-a-Term product offers policyholders 18 different term duration periods. This allows the ultimate in customization of your life insurance policy. The Select-a-Term product from AIG not only offers the customization of term durations, but it also offers a generous conversion feature that comes with a conversion credit in some cases. All of these features from a financially stable company that has been around for over 150 years makes Select-a-Term an excellent option if you are looking for term life insurance. Here is our review for AIG’s Select-a-Term product.