Where can I find a reputable Life Insurance Company/Policy?
444048
Your best bet is to consult with an insurance professional.  All the major life insurance companies are reputable.  I would avoid anything on line.  An insurance professional will work out something for you within your budget and explain how to list your children as beneficiaries.  They do not have to be adults to be listed on your policy.
34201
Car insurance? Life insurance? Health insurance?  All I can say is that you should shop around.  \n\nTry donig this:\n- get some quotes on-line (works mainly for auto insurance)\n- walk into (or call) some different insurance agents (State Farm, Allstate, etc)\n- talk with an insurance broker (they represent several different companies\n- talk with a financial advisor (life, and maybe health only)\n\nThey all will work to find you the best deal.  Whoever gives you the best deal is the company you shoud go with.  \nNow if you are talking about auto insurance, keep in mind that it is not too uncommon for a company to charge you one price on line, and to charge you another one in an agent's office, and to charge you another price through a broker.
416092
As a life insurance agent who deals with insurance day in and day out  I appreciate your frustrations from looking at thousands of insurance sites. My site\nhttp://www.smartlifeinsurancequotes.net addresses these issues.\n\nThe following are five of the most common mistakes consumers make when buying life insurance.\n\n1. Selecting term life insurance solely because it's cheap.\nShopping for life insurance by just comparing premiums is asking for trouble. You should compare company ratings to determine financial strength and policy features, such as convertibility options. While the policy’s premium is certainly a factor, ensuring that your policy matches your financial goals is more important.\n \n2. Not understanding that term life insurance is temporary.\nThat's why it's called "term" insurance -- because you buy it for a set period of time, most commonly 20 years. This is fine for a temporary need, such as insuring yourself until your mortgage is paid off or funding your children’s college expenses in the event of your premature death.\n\nA 20-year level-term life insurance policy you bought when you were 30 would expire when you're only 50. At that point, you still might need to carry insurance, but your age and health conditions might make it impossible or very expensive to do so. At least, if your policy has a convertibility option you can get coverage, it just might be down right unaffordable.\n \n3. Buying from a less-than-stable insurance company.\nDon’t be afraid to ask about an insurance company’s ratings. You can also look for an insurer’s Standard & Poor's, Moody's or A.M. Best ratings on the Internet.\n\nThere are many insurance carriers with high financial ratings (A+ or better) so you shouldn’t have to buy insurance from a lower rated company. But, keep in mind that ratings can and will change, so ratings alone shouldn’t be your only consideration.\n \n4. Buying life insurance coverage based on a set formula.\nYou may have heard that a good rule of thumb is to buy life insurance coverage equal to 10 times your annual salary or 10 times your beneficiary's annual financial need. The idea is that if your surviving beneficiary invests the life insurance proceeds in the stock market (getting an average 10 percent annual return), they'll have a steady income stream and never need to tap the investment principal.\n\nWhile this formula isn't a bad place to start, everyone has different needs, so don’t assume that 10 times your salary is what you need to carry in life insurance. The best advice here is to sit down with a knowledgeable agent that will take the time to learn about your needs.\n \n5. Failing to regularly review your policy.\nIs your former spouse still the beneficiary of your life insurance policy? Did you buy term insurance to cover you while you pay off your mortgage? If you refinanced during the latest rate drop and restarted the clock on your loan, you might also need to update your insurance term. Life definitely has a way of throwing changes your way. Just make sure your life insurance changes along with you.\n \nAlso when shopping on the internet for insurance be careful of sites that are there purely as lead generators because these sites just sell your informations. But, there are plenty of legitamte and trustful site on the internet than one can purchase insurance.\n\nYou can tell the good from the bad by taking these steps.\n1- do not put information in a from unless you actually get a real quote.\n2- look for site that have a phone number with real agents that answer the phone.\n3-If the sites says get quotes from multiple agents then the site is selling your information as a lead service.\n\nSites like http://www.smartlifeinsurancequotes.net can serve as an excellant resource to start your online life insurance shopping. They have agents that you can speak to or email. You can get quotes from over 140 companies with a robust data b
10711
I have had some success listing my life business here: http://www.insuremylife.org\nMake sure when you meet with your customer that you go over income, property, loans, retirement goals.  Determine proper coverage amounts.  Always ask for referrals.
601363
In many life insurance companies, no one is covered if the owner of the policy commit suicide. Some companies have a suicide clause where you are covered for a certain amount of time when you commit suicide. For a beneficiary to claim life insurance proceeds, a proof of death is required.\n\nRemember, if you are choosing term, you want to choose the maximum length available like 30 years. And also, you want to invest in mutual funds at the same time (you should put away $100/month into it if you understand the Dollar Cost Averaging concept).
937964
Contact an independent agent such as a Natiowide agent. If they can't write it with their "standard" companies, ask them for a quote throught a wholesaler. You may be able to get a quote with a national association relating to EMTs. Ask others who are EMTs or the instructors. They should have an idea of where other students have gotten their insurance.
1160654
I had to do the same thing so get online and go to: \nesurance.com\nthey are totally based off the web and they are very dependable, and trustworthy.
330758
You may want to do more research on your insurance company before choosing it.  Some are a lot more reputable than others.
634371
I wouldn't buy life insurance online. It's not safe and you don't know what you are getting yourself into. You should talk to an agent directly and ask bunch of questions.\n\nGetting $500,000 coverage for $22 may sound good, but there must be something fishy about it. It may be a temporary life insurance (known as term) and it may only last 10 years. When it is time to renew, its going to get expensive and you may get a phone call to buy whole life, universal life, or variable life insurance, which are very expensive.
192747
max newyork life insurance\nor\nmetlife
1143684
go to the yellow pages, under Insurance, homeowners, look for an Independent Insurance Agent, that represents many different companies... they work for you..you are their client, and they will research the market, and bring back the best value to you- any other ???..holler back at me---I am a retired Independent Insurance Broker for life and health insurance, and a retired CPA, CFP, LUTCF also...good luck to you !!
851310
If someone depends on you financially, you should get a life insurance policy, which covers death by any cause, accident or illness.  Term insurance has never been cheaper.  Go to www.term4sale.com to get an idea of what it's going to cost.  Then, find a competent licensed agent to help you get the lowest premium from a quality company (A+ rated or better).  Applying online is OK, but you'll get better service from a licensed agent, especially if there are any difficulties with your application.
925306
My condolences about your friend and her loved one.\n\nI’ve linked to articles describing how to choose a life insurance and how to calculate how much life insurance you need. I’ve also linked to online calculators to help you figure it out. Deciding how much life insurance is enough is a very personal decision – what’s right for you might not be right for someone else.  I’ve also linked to an article about what to look for in renewable term life insurance.\n\nYour concentration on the life insurance company is a good idea, since your life or disability policy will only be as solid as the financial strength of the insurance company you choose. After you read the articles below and get a firm idea of what kind of policy you’re looking for, try visiting MostChoice.com. You can compare insurance policies online quickly and speak to multiple insurance agents working in your community – all without any obligation. It’s a quick and simple way to swiftly survey the local insurance market, and MostChoice provides information on more than 140 companies with A+ or better financial ratings.\n\nYou can find MostChoice here:\nhttp://www.mostchoice.com/life-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
232388
See if this site can help you (I am not recommending nor advising)  It seems that the problem of lost insurance companies is common and there are companies in the business of finding them:\n\nhttp://www.americaninsurancedepot.com/lost.htm
793094
Hi, your friendly insurance guy here again. :)\n\nLong, but hopefully informative, post.\n\nLet's get the ugly bit out of the way first:\n\nTerm is cheap, Whole Life is expensive.  Whole Life pays an agent or broker more commission because it costs more and generally is given a higher percentage commission than Term products.  I mention this because there are a lot of people who hate Whole Life products and think the people who offer them are sleazy.  Thus, I am putting that bit out here right in front to satisfy the Whole Life Haters. :)\n\nHere's how Term Works:\nYou buy it for a specified period of time (typically 1, 5,10,15,20,25 or 30 years).  When that period, or TERM, is over, you can usually renew it yearly at a vastly increased cost until you reach a particular age.  The age at which you can no longer renew vaires by insurance company.  If you live past your TERM and have not renewed, your family gets nothing and you have lost all the premium money you spent (unless you have a "Return of Premium" rider, which not all companies offer and which is often extremely expensive to add).\n\nHere's how Whole Life works:\nYou buy it now.  It stays in force typically as long as you pay your premiums.  The payments stay the same forever; ther eis no "holy crap the renewal cost is insanely higher than last year."  It develops a cash value over time and in many cases the face value of the insurance goes up as well.\n\nThis, by the way, is the fallacy of all those people who say "the insurance company keeps the cash value when you die."  That's not exactly accurate.  As long as the cash value is in the policy, the typical function of it is to pay for additional face value of the insurance.  So yes, while you don't get a check for the cash value when you die, your death benefit will be larger than the original face value of the policy, making it generally a wash.  If you have had the policy for a very long time, the policy owner comes out ahead in many cases.\n\nThe cash value is NOT, NOT, NOT an "investment." That term is reserved for certain other things, like mutual funds.  It can be called a cash accumulation vehicle or a savings vehicle.  It is NOT an "investment."\n\nThe downside to Whole Life is that it costs a LOT more than the same face value of Term insurance - at least, in the short run.  If you buy a 20-year term policy for $100,000 at age 25, start renewing it annually after it runs out at age 45, and compare your lifetime costs, the Term policy will absolutely kill your wallet.  The Whole Life policy in the long run costs a LOT less than constantly renewing an old Term policy.  This does NOT mean Whole Life is for everyone.  It's only appropriate in some situations and for certain clients with specific needs.\n\nSo which one is the best?  This is the part where I hope folks who are shrieking "But...but Suze Orman told me to buy term and invest the rest" realize I am not some commission seeking scumbag:\n\nIT DEPENDS.  There is no "off the cuff" answer.  To know for sure which is the best for you, your specific situation needs to be evaluated.  Contrary to what other folks may say, I do recommend using an agent.  I do that because I am one and I treat clients properly.  If you go to an insurance company directly, you lose the benefit of having a local contact.  And guess what?  Generally life insurance companies are NOT going to give you a discount because there's no agent involved.  They charge the same and keep the commission money themselves.\n\nSo talk to an agent.  Talk to several.  Find one that you are comfortable with.  The agent should be focused on doing a full evaluation of your specific needs.  Be careful with anyone who says:\n\n"Buy Term and Invest the Rest." (they have a preconception of what's right without wanting to consider your case may not fit their mold - ask if they are willing to conside
1123839
It is completely obvious that the previous person works for Primamerica which only sells a TERM product.  The person that said you should listen to Suzie Orman is an IDIOT.  The recommendations that Suzie makes are for the general public, But you need to talk to an adviser to find out which Life Insurance product is the BEST FOR YOU.  There are professionals out there that will sit with you and find out how much coverage is needed and why that is important to you.\n\nThere is a good chance that you will need life insurance in 30 years if you save correctly.  Have you ever heard of tax-free withdrawal of cash value?  Have you ever heard of supplementing cash value in a Permanent policy to pay income tax on your retirement accounts?  Have you every heard of ESTATE TAXES?  Both Term and Permanent products are good and will help you accomplish the objectives that are important to you.  Most successful people own a combination of both.  Be careful when buying Universal life that you fund it properly so that it does not dissolve with its "Flexible Payments".  Go see a professional. (Northwestern Mutual, New York Life,  Mass Mutual)
306707
Try Standard and Poor's.  Call the health insurance company you are interested in and ask them to send you a Fact Sheet on their company.