What are Top Life Insurance Companies for Your Needs

Choosing top life insurance companies can be a daunting task. There are a lot of life insurance companies, and while some are nationally known and Fortune 500 corporations such as MetLife and Pacific Life, they usually aren't that widely known and many have regional fame only.

Top life insurance companies compete on different selling points. Some try to stake their claim to be the best by offering lower premiums, while others admit their premiums for a similar policy are higher but they have other benefits such as better customer service, better financial stability, quicker payout times in case of a claim, a wider array of products, and so on.

You will want to take a look at all these things that life insurers compete on when making your decision on who are the top life insurance companies. But two things to consider first are: whether or not the company is a MetLife or someone like that; and whether or not you received any referrals to a company you're checking into. Generally speaking, larger top life insurance companies got that way for good reason and do have a lot of financial strength behind them; and, if someone you know and trust referred you to set up an appointment with an agent from a company they're now covered by they likely received good customer service and a policy that they are happy with.

The following are some of the top life insurance companies:

State Farm which is listed as number 32 on the Fortune 500 list of largest and top life insurance companies, was founded in 1922 by a retired farmer and insurance salesman named George Jacob "G.J." Mecherle. Having seen first hand how crooked some life insurance salesman could be, G.J. founded State Farm to be all about about fairness and doing the right thing for the customer such as offering fair prices and having great claims paying practices.

AIG Life Insurance is a world leader in financial services providing, including life insurance. AIG is--or was up until very recently at the time of this writing--the leading international insurance organization, having operations in over 130 nations and jurisdictions.

Colonial Penn Life Insurance Company was one of the first life insurance companies to offer guaranteed acceptance life insurance--life insurance policies with small face amounts, high premiums, and no medical exams required. Colonial Penn Life Insurance marketing mainly targets senior citizens, people who have health conditions that make them uninsurable by most other insurance companies, and people with families to protect who are relatively late getting life insurance into their financial plan

The AARP Life Insurance Program is offered through the New York Life Insurance Company, one of the oldest life insurance companies in the U.S.

Allstate sells 13 major lines of insurance, including life insurance. The "You're in Good Hands with Allstate" ad is one of the most well known corporate branding statements in American history. Allstate was founded in 1931 as part of the Sears, Roebuck, & Co. group of companies, and became a publicly traded company in 1933. The name "Allstate" was taken from a tire that Sears sold in its automobile parts division, and in fact the company began as a mail-order automobile insurance company.

Mass Mutual Life Insurance Company's products and services include life insurance, annuities, disability income insurance, long term care insurance, retirement planning products, income management, and the full gamut of products and services for individuals, business owners, and corporate and institutional markets.

MetLife Insurance made famous by the Snoopy One (and now Snoopy Two) blimps that fly over sports stadiums, and the Peanuts Gang characters, after the late Charles M. Schultz received such good care from MetLife during an illness that he signed over the advertising trademark and copy rights of his characters to the company, was founded as the National Union Life and Limb Insurance Company in New York City in 1863. Today the company makes over $1 billion a year in profits and is one of the United States' largest financial institutions. The company's famous tagline is "Get Met. It Pays."

Liberty life insurance defines its business philosophy as the delivery of "high value", making life insurance and other financial products easy to buy while keeping the company and its agents easy to do business with. Committed to a customer-centered marketing approach, they develop their distribution plans and their products are created at the same time. While keeping their life insurance portfolio as varied and cost competitive as possible, the company goes out of its way to develop life insurance products intended to simplify the sales process.

Pacific life insurance is known to many for the whale of a tail that it uses for show and tell in its television ads, Pacific Life has been writing life insurance since May 9th of 1868. The company sells a wide array of life insurance products, annuities, and mutual funds. In addition, Pacific Life provides a variety of investment products and services for businesses (including over half of the 100 largest U.S. companies), pension plan administering companies, and private individuals.

Global Life Insurance has over $52 billion of life insurance in force, comprising an estimated 4 million placed and active policies. The health and life insurance company has been in existence since it was formed in rural Oklahoma in 1951 by two men with $60,000 in borrowed capital. Globe's great claim to fame among life insurers is that they have been successful at cutting out the middle man making it one of the top life insurance companies

Primerica life Insurance has many good qualities with respect to its financial standing, its name continues to be tainted by much of its sales practice. Primerica has many licensed agents who only work part time for the company, hoping to make a little extra money on the side. The company also has many more licensed agents who can only sell life insurance than it has those who can do a full FNA and sell the full range of investment products to enable people to "buy term and invest the difference".

For our brave and dedicated military servicemen (and women), the U.S. Department of Veterans' Affairs makes sure that there is life insurance coverage for all active and retired military men, regardless of whether or not they ever saw active duty in a war, which branch of the military they were in, or how long they served. Check out veterans universal life insurance.

The eLifePolicy.com website offers one of the quickest and most convenient ways to purchase term life insurance coverage. Their easy 3-step process can be completed from the privacy of your home or office without speaking to an agent or requiring you take a medical exam. Just answer a few health questions. If qualified, you can print your in-force life insurance policy in minutes!Click Here

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