Since there are over 500 insurance companies selling life insurance in the United States, it is nearly impossible to determine which ones are the best and offer the lowest prices and the best quality.
Even if you spent many hours researching, you would probably go crazy trying to figure it all out. Although we work with over 50 insurance companies, only a few of them are your best choice when purchasing life insurance. As independent brokers, our goal is to help you find the best life insurance company for your needs and help you save money!
Below is a list of our top 10 and an overview of each company.Our criteria are based on our experience working with numerous couriers over the last 22 years. The advantage of working with multiple insurers is that we can find the life insurance that best suits your needs.
American General is part of the AIG (American International Group) network of companies, and although the company struggled with financial difficulties during the 2008 financial crisis, American General has proven to be a very financially stable life insurer.
AG is an excellent choice for high-risk candidates with diabetes or chronic hypertension. Their underwriting is very generous and their rates are comparable to many other major airlines.
A unique feature of AG is that it offers a 25-year insurance policy, while many other providers offer 20 or 30-year policies. This is important for those who think that 20 years is too little and 30 years is too long.
MetLife is one of the oldest and largest life insurance companies in the world. They have more than $4 trillion worth of insurance on their books. MetLife makes our list because of its innovative product line and financial strength.Their political prices are competitive but not the lowest. Their specialty is a diverse range of life insurance products such as term, whole life and universal life insurance. However, their customer service is very poor. Getting to the right department to speak to a representative requires dozens of phone calls and long wait times.