The Best Life Insurance Companies in 2022

There are hundreds of companies in the United States that offer life insurance, and while they can’t all be “the best”, many of them can be the best for your situation.

When it comes to buying life insurance, one size (or one company) does not fit everyone’s needs.  There are many variables to consider based on your personal situation, your financial goals, your budget and the needs of your beneficiaries and dependents.

In some cases, buying a life insurance policy from a well-known, brand-name insurer will be a top priority.  For others, getting a good rate on a policy with a relatively stable, but lesser-known company may suit you better.  If you’re looking for peace of mind, then you’re probably best choosing a well-known insurance company. If you’re more interested in finding lower cost insurance, then your options widen dramatically.

Recommendations for the Best Life Insurance Companies in 2022

Before we pass along life insurance company recommendations to you, we thought it would be best to state a disclaimer up front, so that you have a full understanding of not only the criteria we use, but recommendations that are also based on our own research, experience and existing relationships.  That said…

All reviews are our own, based on our own criteria, knowledge, experience, customer reviews, and more, and are not endorsed by any company. We invite you to fully review the information presented here, and then if you are interested in getting a life insurance quote, you can use the form on this page, or contact us directly for a more accurate assessment of your needs based on your own situation. 

Best Life Insurance Companies Right Now

We’ve been in the insurance industry for many years and have developed close working relationships with many of the top life insurance companies, but we think it is important to start out by objectively providing you with the names of those companies that consistently earn a place in top 10 lists throughout the industry.

We work with many of these companies directly nationwide, but we also partner with captive companies like Northwestern, State Farm, and New York Life to make sure that we provide you the absolute best life insurance buying experience we can.  What that means is, we will help you find the best agents that represent the insurance providers that will work best for you.

In our opinion, here are the best life insurance companies right now:

Lincoln Financial Group

Lincoln has a financial strength rating of A- and continues to be on many best life insurance company lists in the United States year after year…and with good reasons.

Lincoln tops the charts by consistently delivering competitive rates and some of the best conversion options in the industry.  It has individual insurance lines that include term life, universal life, and variable universal life, as well as offerings in the employee benefit sector and retirement plan services.

One major perk to Lincoln is their application process is incredibly simple.

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Northwestern Mutual Life Insurance Company

Northwestern is one of the oldest life insurance companies in the United States, providing one of the most competitive whole life insurance products in the life insurance industry.  It competes directly with Mass Mutual, Guardian, and New York Life, and it is not uncommon to find each of these companies jockeying for the top spot in policy guarantees and dividends paid out to their policy holders.

Typically, companies like Northwestern Mutual are not as competitive on term life products.  But people purchase Northwestern Mutual life insurance because it has a strong financial history and competitive performing whole life insurance.

If you’re looking to use life insurance as an option or an alternative to accumulate cash in retirement, Northwestern is one of the best options.

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New York Life Insurance Company

Like Northwestern Mutual, New York Life has been around for more than 100 years. It is financially stable as reported by all the major financial reporting companies, consistently making it one of the strongest life insurance companies year after year.

New York Life is typically only available through its channel of career agents, but in some cases, it will allow its product to be distributed through independent brokers. The caveat is the premium must meet a $20,000 minimum for a broker to be able to sell a New York Life policy as an independent agent.  Otherwise, you need to meet and speak with a career New York Life agent in your area.

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Mass Mutual Life Insurance Company

One of the larger companies in our Top 10 list, Massachusetts Mutual (Mass Mutual) has more than $500 billion in total assets.  Many carriers offer life insurance, but few have made such large strides as Massachusetts Mutual in fully helping its clients with both insurance and financial planning.

Getting a Mass Mutual life insurance quote is easy using our quick quote tool.

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Transamerica Life Insurance Company

Transamerica is a household name that has been a leader in the life insurance industry for more than 100 years.  It checks many of the boxes we like to see.

It is A-rated and continues to be a leader in universal life insurance, term life insurance, and term life insurance with living benefits (this is one of the flagship differences between Transamerica and its competition).

Transamerica is also highly competitive in offering life insurance to foreign nationals living in or outside of the United States.

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Prudential

Prudential Life Insurance is a 140-year-old company recognized as one of the world’s most admired life insurance companies.

Prudential operates within the United States, Asia, Latin America, and Europe. It offers life insurance, annuities, retirement related services, mutual funds and investment management products and services.

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State Farm Life Insurance Company

State Farm Life Insurance company has been providing services since 1922 and is one of the largest and most well-known life insurance companies in the United States.  In 2017, State Farm Life Insurance company was ranked number 33 in the Fortune 500.

State Farm has built its reputation as a leading home and auto insurer (who among us hasn’t heard the “Like a good neighbor, State Farm is there” jingle), but what most people don’t realize is that the company is also one of the largest providers of life insurance in the United States.

One thing to consider: State Farm agents only represent the State Farm life insurance products, so if you want options you will need to also speak with an independent agent.

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Gerber Life Insurance Company

Gerber Life Insurance has written more than $45 billion of life insurance and over 3.3 million policies. It is most well-known for offering life insurance for both adults and children, but most commonly children.

In addition to being affordable, the company holds an A+ rating with the BBB and an A with A.M. Best.

Most agents use Gerber Life for their impaired risk clients or clients that have health conditions which make them uninsurable by most other life insurance companies. This means you can get guaranteed life insurance from Gerber with no medical exam or health questions.  Everyone gets approved, but make sure you speak to an agent about the company requirements regarding age because not all age groups qualify for guaranteed life insurance with no medical exam.

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Best Insurance Companies by Price

If your goal is the best amount of coverage at the best price, there are many outstanding companies. While it’s good if you can do research on your own, remember that it is your agent’s job to educate you on those options as part of a broader life insurance strategy.  If you receive a rate for a policy that seems unusually low, then be sure to ask the agent how the company keep rates that low. Many times, the old saying of ‘If it’s too good to be true…” applies.

Here’s a list of the best life insurance companies we like according to premium costs for their product lines.  All are A-rated companies:

1. AIG Life Insurance Company(Make sure you get a quote with AIG Partners Group which has the QOL riders included.)
2. Aetna Life Insurance Company
3. Allianz Life Insurance Company
4. American Equity Life Insurance Company
5. American Amicable Life Insurance Company
6. ANICO Term life insurance
7. Assurity Life Insurance Company
8. Axa Equitable Life Insurance Company
9. Banner Life Insurance Company
10. Boston Mutual Life Insurance Company
11. Columbian Life Insurance Company
12. Gerber Life Insurance Company
13. Global Atlantic
14. Life of the Southwest
15. Lincoln Financial Group
16. Mass Mutual Life Insurance Company
17. Mutual of Omaha Life Insurance Companies
18. Nationwide Life Insurance Company
19. National Life Group
20. North American Life Insurance Company
21. Protective Life Insurance
22. Royal Neighbors of America Term Life Insurance
23. Sagicor Life Insurance
24. Savings Bank Life Insurance Company of Massachusetts (SBLI)
25. Transamerica
26. United Home Life Insurance Company
27. Voya Life Insurance and Annuity Company

Best Insurance Companies Based on Customer Satisfaction

Based on a recent industry report by J.D. Power, life insurance companies hit an all-time customer satisfaction record in 2017.

Here are the highlights:

• “Record high customer satisfaction:Satisfaction among individual life insurance customers has reached an all-time high of 785 (on a 1,000-point scale), up by a significant 16 index points from 2016.”
• “Price is a key driver of higher satisfaction:The increase in overall satisfaction among life insurance customers is being driven by improvements in all studied factors, but price emerges as the highest-weighted factor with the largest year-over-year improvement. Price satisfaction has jumped to 764 in 2017 from 747 in 2016.”
• “Improved engagement among new customers helps drive price satisfaction: Price satisfaction increases the most among newer customers—those who have a tenure with an insurer of less than four years—improving by 35 points in 2017, compared with a 13-point increase among those who have been customers for more than three years. The proportion of newer customers who say they “completely understand” their billing statements has increased by 20 percentage points year over year.”
• “Discounts matter, but wearables (think fitbit or device that monitors steps and fitness) fail to gain traction:Discounts have a significant effect on overall satisfaction and particularly price satisfaction. The specific discounts driving the highest overall satisfaction are multiple policy discounts. The much-hyped use of wearables as a discount tool has failed to gain any significant traction as of this year’s study.”

Following are J.D. Power’s latest rankings (in order of highest customer satisfaction) for life insurance companies:

The Best Life Insurance Companies by Product

We thought it would be useful to further rate companies by the type of life insurance product.

For this rating, more emphasis was put on product, price and additional benefits provided by the company itself which would enhance the overall purchase experience. Utility of a product, its riders, the convertibility (where appropriate), and its availability to several demographics were heavily considered in our choices as well.

The Best Term Life Insurance Company

Lincoln Financial Group

Lincoln Financial Group is one of our favorite life insurance companies to work with, not only because it is competitively priced, but it has extremely strong permanent life products.

Clients who purchase Lincoln Financial Group term life insurance have great conversion options to a few of its flagship permanent life products such as the Wealth Advantage Indexed Universal Life and the Accumulator IUL.

It has two term products which best serve clients ages 18-50 and 50-85.  Its TermAccel product is especially strong for people under 50 and looking for $500,000 or less in life insurance coverage.

If you’re looking for more than $500,000 or you’re 50 years of age or older, the Lincoln LifeElements life insurance product will work great for you.

Companies that were close:  Cincinnati Life, North American, AIG Partners Group, Protective Life Insurance

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The Best Universal Life Insurance Company

Lincoln Financial Group

Sometimes it’s hard to put the same life insurance company in two categories, but we’re a firm believer Lincoln not only has term life insurance locked up, but definitely universal life as well.  The reason why is Lincoln’s cost of insurance is extremely competitive across its suite of universal life insurance products. This means in many cases it can offer better pricing and performance based on its updated mortality tables.

Keeping its tables updated consistently allows it to keep up with technology which is allowing many people to live longer. If people are living longer, doesn’t it make sense for life insurance companies to adjust their life insurance rates to match those statistics?

Lincoln is also one of the strongest players for bank owned life insurance.

Companies that were close:  John Hancock, Columbus Life, Global Atlantic

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The Best Whole Life Insurance Company

Northwestern Mutual Life Insurance

Northwestern Mutual is a contender in every category, but the reason we consider them the best whole life insurance company is due to their historic dividend performance.

Northwestern announced in October of 2017 that “policy holders will receive an estimated $5.3 billion through its 2018 dividend payout.” This payout comes with 147 years of dividend paying history as well as leading the industry in whole life insurance sales.

The most common whole life insurance product sold by Northwestern Mutual is its paid to 65 whole life (65 Life). This means when you purchase a 65 Life policy from Northwestern Mutual, you will only pay your premiums until you turn 65. At that point, you will have a paid up whole life policy which will guarantee your ability to leave a legacy to your family.

Companies that were close:  Mutual Trust Life, Lafayette Life, and Mutual Trust

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Best No Medical Exam Life Insurance Company

Transamerica

 Transamerica offers up to $250,000 of life insurance with no medical exam.  It’s not the highest non-medical life insurance company, but it’s certainly one of the strongest.

Here’s one way to get around a no medical exam lower policy limit if you’re so inclined.  We once heard a story from an agent regarding someone who needed $1 million in term life insurance and used multiple no-medical-exam life insurance companies to meet the death benefit need. They used Illinois Mutual, Transamerica, Sagicor, Assurity, American Amicable, and Royal Neighbors, all great no medical exam life insurance companies that we readily recommend.

Companies that were close:  SBLI, North American

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Best Burial Insurance Company

Royal Neighbors of America

Based on our experience as a leader in the final expense burial insurance industry, we believe the best burial insurance company is Royal Neighbors of America.

Its whole life burial insurance plan has a level and graded option to meet the needs of policy holders. This flexible underwriting allows it to appeal not only to those who are healthy, but also to those with impaired risk conditions or pre-existing conditions.

Another reason we love Royal Neighbors is it provides a free simple will to each policy holder. Not only are their life insurance rates extremely competitive, it also goes above and beyond to provide a great customer experience.

Companies that were close:  Settlers Life Insurance, Mutual of Omaha Living Promise

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Frequently Asked Questions About Life Insurance

How do I choose the best life insurance companies?

Before you decide on the insurance company you may want to do business with, it will be helpful to decide one other thing first:

How Much Life Insurance Do I Need?

There are several things to consider when trying to determine how much life insurance you should purchase.

First, decide if you want to purchase term insurance or permanent insurance.  If you just need life insurance for a specific time frame (perhaps while your children are still young), then you may want to choose term life insurance.  However, if you want life insurance to last your entire life, then purchase a permanent policy, also known as whole life.

As a rule of thumb, most agents will recommend that you buy 10 to 20 times the amount of your annual salary for coverage.  However, you may identify future costs and obligations that you want your loved ones to be covered for in the event of your death, and you could easily decide to purchase more than 20 times your annual salary.  Again, it depends on your personal situation.

Regardless of the type and amount you decide to purchase, here are five factors that consumers are encouraged to consider:

1. Amount of income you will need in the future
2. Assets, such as stocks and real estate, that will supplement your income
3. Liabilities, such as loans
4. Life insurance you own today, either individually or through your work
5. Significant one-time or ongoing costs your loved ones will face in the future, such as college educations

Second, another way to determine how much life insurance to buy is total up all your current debts, including your mortgage, and add possible future expenses such as the costs of college education, job loss, home purchase or improvements, marriage and other similar life events.  Let’s suppose this amount is $500,000.

From this, determine how long you will want to cover your family in the future.  For example, a $50,000 salary that will continue to pay your family for 20 years translates to $50,000 x 20 years = $1,000,000.

Therefore, to provide your family with $1,000,000 of net coverage, you will need to buy a policy with a value of $1.5 million.

Some people purchase mortgage protection insurance which pays off your mortgage in the event of your death. This coverage lasts the length of time of your mortgage. A decreasing life policy usually makes the most sense, which means the amount of insurance coverage decreases as the mortgage is paid down. Although narrow in scope, these types of policies are typically less expensive.

Ratings are a Critical Component

While there are many factors to consider in choosing the “best” life insurance company for you, perhaps the most important is the insurer’s financial performance.  Think about it.  Insurance companies are in the business of financially protecting people, which is why it is imperative they can show they can protect themselves first.

Remember, they are selling you a product that may be in force for 20, 30, or 50 years or more.  The last thing you should be concerned with is whether they will be in business and financially able to meet their obligation to you.

Because it is their lifeblood, insurance agents are often the best place to start for analysis of what companies are the most stable, and which ones you may want to avoid.  The best and easiest indicator that is the standard throughout the life insurance industry is a company’s rating.  Insurers are given letter grades, starting with the highest ranking of “A+” and working down to “F”.

There are four well-known rating services that conduct thorough research on life insurance companies: A.M. Best, Standard & Poor’s, Fitch, and Moody’s.

These companies look at every part of an insurer’s financial business to help consumers separate the good from the not so good.

However, there are other things to consider in choosing your insurance company. Letter ratings as we just described do not tell you about the quality of the company’s customer service. An experienced agent can help you with this. In addition to checking information provided by the ratings services, the Better Business Bureau is a good place to check customer service complaints.

While it’s a goal to try and work with an A-rated insurer, that may not always be possible, especially if you have significant health issues. People who have pre-existing conditions, or who are considered high risk for any number of reasons may find it difficult to find coverage and may need to compromise on the type of insurer.

The Structure of the Insurance Company is Also Important

Another important factor in choosing the best possible insurer is how a life insurance company is structured.  In broad terms, there are two types of insurance companies.

mutual life insurance company

A mutual life insurance company is owned by policy holders.  In other words, its customers are also its owners.  Any excess gains and funds acquired by the company are distributed back to policy holders, either through dividend distributions or through reduced future premiums.  The overall goal of a mutual insurance company is to provide members with insurance coverage at or near its costs.

3 Common Mutual Life Insurance Companies

• Northwestern Mutual
• Mass Mutual
• New York Life

Stock insurance company

A stock life insurance company is a public company with the objective of making a profit for stockholders.  Policyholders do not share in any profits or losses of the company.

A Quick Look at How Life Insurance Premiums are Calculated

Getting life insurance policy quotes is easy and fast.

Life insurance is priced based on risk to the insurance company. It’s purely mathematical. There’s no negotiating on price.

However, with hundreds of different insurance companies in the United States, some companies will be aggressive on their pricing, especially those that aren’t household names. And, being aggressive on their price is all about how much risk they are willing to take.

For example, if you’re a 25-year-old male who is not overweight, in good health and doesn’t smoke, you’re going to find a lot of insurance companies who want your business.

On the other hand, if you’re a 58-year-old male who is overweight, smokes and has Type II diabetes, you are going to need an experienced agent to find the right life insurance for obesity that is willing to take a risk on you.

There are options to choose from in both cases.  Just understand that you will be asked to pay a higher price based on the amount of risk you present to the insurer.

The price you pay for life insurance is simply about how much risk an insurance company is willing to take on you, which is why it is so important to have an independent insurance agent shop the market for you.

Three Types of Life Insurance Agents

If you hope to choose the best life insurance company to work with, then you need to put the odds in your favor by choosing the right agent to work with.  Before you can do that, you need to understand that there are three types of life insurance agents you may encounter. This should be one of the first questions you ask an agent.

Independent life insurance agents are self-employed rather than employed directly with one insurance company. By being self-employed they can get life insurance policy quotes from just about any insurer. Independent agents are often referred to as a broker. A knowledgeable independent insurance agent is well-versed with different products and their underwriting guidelines.

Captive life insurance agents are employed directly by one insurance company and usually can only sell the products offered by that company. Some insurance companies allow their agents to sell other products, but the breadth and selection of those products is typically limited. Even in those instances, the agent’s primary focus and what they are personally evaluated on is selling their company’s insurance.

Career life insurance agents are a mix between captive and independent agents. While these agents still need to maintain their production numbers from a particular insurance company, they have the ability to write “outside” business when the situation makes sense for the client.  Career agents can typically offer all life insurance companies including the career organization they are working with. However, they are still limited from offering other captive insurance companies as options.

Customer Service is as Important as Ever

While the way people shop for life insurance has changed in recent years, one thing that’s remained constant is the importance of good customer service before, during, and after the sale of a policy.

On the surface, buying life insurance may seem much more impersonal than ever because many people use the internet to ask questions or solve policy service issues, often never speaking to a customer service representative.

Despite this, the expectations and need for outstanding customer service have never been higher. This probably sounds counter-intuitive to you, but if you think about the process, you’ll understand why good customer service always matters.

Modern consumers pretty much always carry a smart phone with them wherever they go.  And, there’s also always a laptop or tablet nearby or at home.  The way we all communicate has exploded into many different forms such as email, texts, phone, social media, through websites and so forth. With all this technology at our fingertips, we have become a society of instant gratification, meaning we want answers immediately when we initiate a dialog.

As you can guess, tying all these forms of communications together to create a seamless customer service experience is a bit daunting for any company that deals with the public, including those in the life insurance industry.  Consumers can be hyper-aggressive when it comes to shopping, and if you lose them somewhere in your communications pipeline, there’s a good chance they will move on to another company.

Most consumers first do research online. So, if you’re an insurance company, your website better be current and easy to navigate.  There are also many websites to help people do side-by-side comparisons as well.  If an insurance company compares favorably, then a consumer might search for reviews. Social media comes into play when they decide to blast out a note to their social network friends to get advice.

If an insurance company makes the cut, then a consumer will seek quotes. With luck, they may rely on an agent they already know. It is not uncommon for consumers to also shop for agents as well, so they’ll go back to their smart phone, conduct a search and may choose to call an agent immediately. Some may even go so far as to check an agent out through their LinkedIn profile or see if there are any issues through the Better Business Bureau.

After all this work, they will have a fairly high degree of confidence that must be reinforced even more when they reach out to the agent by phone, email, text, chat or possibly Skype.

Remember, if any of these steps fail, the consumer may go on to another agent or company.  With competition as fierce as it is, the insurance companies with the best customer service will meet all of these expectations, and thus earn the right to do business with a life insurance consumer.

While the process has changed, the principles of good customer service have not.  When a consumer reaches out to an insurance company, the most important things continue to be:

• Courteous employees
• Knowledge and professionalism
• Easy to do business with
• Easy to understand process and procedures
• Fast service (in the case of insurance, the customer getting paid quickly)

As a consumer, you need to pay attention to how you are treated at all steps along the way.

Insurers Offer Many Different Types of Life Insurance Products

Finding the right insurance company for your situation can be tough as there are hundreds of companies in the marketplace offering a dizzying array of products and services. Even agents find the process difficult sometimes.

On top of that, insurance companies continue to innovate and bring new products to the market, so staying abreast of options can be just as challenging as trying to stay up with the latest smart phone or computer innovations.

The best thing you can do is arm yourself with information.  Some people will want and need more than others to make a final purchasing decision.  Ask as many questions as it takes to get to your own level of comfort.

The best place to start is to think about the two primary types of life insurance you can choose.  Term insurance will cover you for a specified amount of time while permanent, or whole life, insurance will protect you for the balance of your lifetime.

Here are some basics and variations to consider for each type:

Standard Term Insurance

Term life insurance is exactly what it sounds like. You are provided coverage for a specified term to cover you for temporary risks.  There is no asset or cash value, there is simply a predetermined death benefit for a fixed period such as 10-year term, 20-year term, 30-year term, and sometimes longer.

Some insurers offer a one-year renewable term product known as annually renewable term (ART) insurance. One of the most commonly known companies for ART insurance is American National (ANICO).

Some term insurance policies can be converted to whole life prior to expiration.  If this action is not taken, then the policy expires at the policy termination date.

Return of Premium Term Life Insurance

If a person does not die during the time that their term life insurance policy is in force, then this type of policy allows the insured to recover some or all of their premiums paid over the term of the policy. These policies are more expensive than a standard term life insurance policy.

Before buying this type of product, prospective buyers are often encouraged to evaluate other ways they could invest the additional premium cost, such as in equities, bonds, or other similar financial instruments.

Whole Life Insurance

Whole life is the most simple and popular form of permanent insurance. If the insured pays the premiums, which are locked in while the policy is in force, the policy will cover that person.

The ideal scenario and best use of a whole life insurance policy is to buy it at a young age when you are presumably healthy to lock in a lower premium for the rest of your life.

Whole life also offers another significant benefit which is that cash value of the policy builds on a tax-deferred basis.  In some cases, this means that a life insurance policy may be able to provide the insured with a tax-free policy loan.

Some whole life policies pay dividends, and they are also not taxed because they are considered a return of the premium.

Burial insurance is an example of whole life that does not pay dividends.

Universal Life Insurance

Universal life insurance is another form of permanent life insurance. Whole and universal are similar in that they build cash value and the funds grow tax-deferred.

However, universal life has a more flexible option on how the premium dollars are distributed. A policyholder can choose how much of the premium is dedicated to the death benefit versus the cash value. And, the policyholder always has access to their cash value account, which can be withdrawn or borrowed against for any reason.

Variable and Variable Universal Life Insurance

Variable life insurance is another form of permanent life insurance.

Along with the death benefit and cash elements, a policyholder can also participate in investment vehicles like stocks.  Before considering this option, it is necessary to understand that while the funds in an investment may grow at a faster rate than they would in a regular whole life policy, there is also more risk involved because they are exposed to the swings of the markets.

A variable universal life insurance is similar to universal, except the insured can participate in other investment tools such as mutual funds. The policyholder can choose to invest the cash in their policy into different types of investments such as mutual funds. There is no guaranteed minimum cash value with variable universal.

Indexed Universal Life Insurance

This type of policy is like a variable universal life policy, but the cash component of this policy is linked and grows as a result of the performance of various market indexes such as the Dow Jones Industrial Index, Standard and Poor’s 500, and so forth.  Which index the policy is linked to is determined by the client and their investment advisor.

Single Premium Universal Life Insurance

This type of policy allows those with disposable cash to pay a lump sum into a life insurance policy for a death benefit that will be paid up until the insured dies. The amount of the death benefit is determined by the initial amount of money invested.

The single premium product has several other benefits. The cash value builds faster because the policy has been fully paid. Also, many single premium policies have what is called “living benefits”. For example, some policies allow tax-free access to the amount of death benefit to pay for long-term care costs.

Guaranteed Universal Life Insurance

If a person can’t afford a whole life insurance policy and doesn’t find that a term life insurance policy meets their needs, then they may choose to purchase a guaranteed universal life insurance policy instead. This policy is guaranteed for life, but it does not build any cash value, thus making the premiums cheaper, while still offering coverage for life.

Burial Insurance

This policy is narrow in focus and is purchased primarily to cover the cost of funeral, burial and other related expenses that must be paid to close an estate.  This might include credit card debt, loans and other bills or expenses.  Burial insurance policies are typically capped at $25,000, depending on the insurer. The cost of these types of policies are typically affordable, and acceptance is generally high.

Important Criteria When Choosing the Best Life Insurance Company

All insurers base life insurance policies on the amount of risk that you present.  When shopping for a policy, insurers will focus on a few important questions about you that will help them determine that amount of risk.  Knowing these things will help your agent narrow your choices considerably moving forward:

• What is your age?
• Do you suffer from any pre-existing health conditions?
• What medications are you taking?
• Do you currently use tobacco, e-cigs, vape, or smoke marijuana?
• What kind of insurance do you want: term life, whole life, guaranteed universal life insurance, burial insurance, or something else?

When you are searching for an agent, there are several basic questions you will want to ask:

• What type of agent are you: Independent, captive or career?
• Do you work with companies that offer life insurance that fits my objectives?
• What are the ratings of the insurance companies you will be proposing to get quotes from?
• What are the insurers’ historic claims paying ability?
• What are the insurers’ records for quality customer service?
• How will my age and health impact premiums?
• Will I be able to convert my policy?