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What is the best Life Insurance company and Package?

I'm trying to set up life insurance as you know no one can predict the future. I want my wife and kids taken care off. I'm in my early 30's, don't drink or smoke. I'm in perfect health... At least, i think. Can you please advise what the best insurance company is for like a 750K - 1M coverage. What is the company of your choice and why??? Your inspiring advise will be appreciated.

Public Comments

1. My situation is different from you since I am single, no wife and children. I used select quote and they can help you.
2. Hey, Are you sure that such peanuts like 750k /1000k will take care of your family in future ? If it's ok with you .please turn to LIC for your NEEDS. You are in 30's that means you are going to work next 30 years at least.so plan for very good financial returns with enough risk cover. e.g plan now & retire rich.with guaranteed pension life time & asset for family. package 15-20k/p.m. Best of luck.
3. I have life insurance with Primerica. They provided a financial needs analysis to help me reach my goals. I also have my Roth IRA with them as well and I refinanced my mortgage with them. They were able to cut my mortgage term from 28 years to 19 years through this SMART loan program. If you want a company that can do everything for you, I highly recommend Primerica. I don't work there, but I'm a big advocate of their beliefs to helping middle income families. I think their products are great since they have help me greatly.
4. Primerica......run away from them! The lowest rate shouldn't be the answer. The most important aspect should be claims paying ability, and it's not hard to find a company with a minimum "A" rating. Term is the cheapest, but will run out at some point. It's impossible to know if you're still going to need insurance when you're in your 60's. There are also some unbelievable ways to lower your tax burden in retirement, via life insurance. Something to think about at least.