All Life Insurance Tips

What is a good life insurance company?

My husband and I are in our late 20's and want to get a life insurance, but are not sure what company is good. Is there one that anyone recommends?

Public Comments

1. Basically they will all be the same, and offer very similar products. My advice is for you to purchase a level term policy for as far out as possible. Don't let any salesman convince you how you need a whole life policy, as this is a waste of money, and can cost up to 9 times as much as term. And they will make much more commission on this type. Compare several companies policies as far as cost, and then choose what makes you comfortable.
2. I am an agent for allstate and personally we beat most life insurance prices, we do require a blood test where a registered nurse would set up an appointment and take a blood sample. My agency can only sell in georgia alabama and tennesse so email me at jarrett8805@yahoo.com if you live in either of these states. or contact a local allstate agent in your town. A company to stay away from is Liberty national they tend to have highrates to accompany bad service. Hope this helps!!
3. Contact an insurance broker in your area. EVERY company is a little different depending on the amount of coverage, where you live and various other thing. They are not all the same by any means. An insurance broker will be able to shop around and can make sure that you are getting the best price vs. value on the market and go over the differences between companies (which are good and which are bad). FYI, cheaper is not always better either. Proof: Toys made in China are cheaper, however they use (or used to use) lead based paint and made babies and kids VERY sick and even die becuase of lead posioning. I'd rather pay an extra couple bucks for a good product that will not cause any potential harm. PS: Anyone that tells you to not get one product over another (IE: avoid whole life) based on the limted information you need, if giving a completely ignorant, factless answer. No offense to Mr. Perfect, but there is absolutely no way that you can recommend a product without knowing the need. While term is a good product, it is not a one size fits all product that can be used in EVERY situation. What is the only reason this person wants to get insurance is to leave their kids or a charity that is close to their heart with a pile of cash as an act of pure kindness no matter when they pass away? Just because something is not always 100% NECCESSARY, doesn't mean it's completely useless. Whole Life is there for a specific need. While it is more expensive, saying it is up to 9 times more expensive is a rare circumstance that it is that much higher...and commission %'s work out the same with MANY companies. You can't fit a square peg in a round hole. Different situations call for different products and without knowing the need(which we don't!) there is no way anyone can make a remoted educated recommendation to this person.