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Life Insurance | Top Companies: This Week's Reviews |
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| Services Offered: Term Life Insurance, Home Insurance, Renter’s Insurance, Car Insurance |
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| Company Overview: HSBC is one of America’s Top Financial Companies. They have over $300 billion in assets and offer services to over 60 million consumers in five areas: personal financial services, consumer finance, commercial banking, private banking and corporate investment banking and markets. |
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| Our Review: This one is a great company. Their website is thorough, they’re an established company, and customer service phone numbers are offered up right away. However, the company doesn’t deal exclusively with life insurance. This shouldn’t be an issue for consumers, just a caution for those looking for a more exclusive company. |
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| User Review: I got my car loan and a credit card from HSBC and I love the service I receive. I was excited when I found out that I can get my term life insurance with them as well, and the customer service is just as good as my other accounts with their company. |
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| Services Offered: Term Life Insurance, Individual, Family, and Small Business Health Insurance |
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| Company Overview: Assurant Health was established in 1892. They serve over 1 million customers and have over 3,000 employees. They are also associated with: Time Insurance Company, John Alden Life Insurance, and Union Security Insurance Company. |
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| Our Review: Contacts section is very vague, rather than providing phone numbers, they offer a generic form for you to fill out so that they can call you. Otherwise, the company is an established company that can offer life insurance to consumers who want insurance from a company that’s been around. Also, the overall website layout is simple to use and efficiently laid out. |
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| User Review: I got great life insurance information and rates from this company, but would have preferred to be able to call them because I’m not that computer smart. I couldn’t find a phone number anywhere on their site for customer service. |
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| Services Offered: Life Insurance, Home Insurance, Health Insurance, Auto Insurance, Business Insurance |
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| Company Overview: Founded in 1989, NetQuote provides insurance quotes to consumers from top insurance companies, as well as the ability to purchase the policies. They have over 25 million customers to date. |
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| Our Review: Website and forms are simple and easy to use. Also, customer service is readily available should customers have questions. When shopping for something important like life insurance, this is a must. |
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| User Review: I was able to get great rates from four different companies, and I only filled out one form. I also enjoyed having the option to buy the policy right there instead of having to contact someone else. |
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| Services Offered: Life Insurance |
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| Company Overview: Owned by Fidelty Life Association, which was founded in 1896 to offer affordable life insurance to consumers. |
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| Our Review: This company wastes no time with sales pitches and customer reactions to try and sell you life insurance. Instead, they tell you directly what they are about, what they can offer you, and how you can contact them via phone or e-mail if you need to. If you’re looking for somewhere to get life insurance that gets right to the point, this company is a good one. |
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| User Review: This company is great! Their website is easy to use, even for people who aren’t that good with computers. And instead of filing an online form, which I could have done, I decided to call because the number was right there on the front screen. Their customer service is wonderful, and they don’t pressure you into buying. |
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Other Top Companies for Life Insurance : |
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| How To Select The Best Company For Life Insurance |
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When it comes to ing the right life insurance company for yourself or your loved ones, there are many things to consider. Many companies offer life insurance, but most have stipulations on who is eligible and who isn’t. Life insurance shouldn’t be something that you have to “qualify for”, but unfortunately it is. First and foremost, when applying for life insurance, you need to research the available companies to see which one is best for you. You will need to know your own medical history, along with the history of any other immediate family members who are being considered for the life insurance. Policies are usually purchased individually, but some companies offer the option to purchase a family life insurance plan. Make sure that you ask questions of the companies that you are applying with. Things like how much coverage you are given, what the monthly payments will be, and what the collection provisions stipulate are good things to know. Life insurance policies can be tricky, because some will only allow collection of the insurance under certain circumstances, so you need to be informed about what you are buying. Also, some people are considered higher risks for the insurance company based on their medical problems and history, so finding a good policy may be complicated if you have any major illnesses or have reached a certain age, usually over the age of 70. Although it seems obvious that you are getting life insurance in case something happens to you, if a life insurance company knows that you are ill or will probably die in the near future, they may deny your policy due to your risk level. You don’t want to shop with these companies. Find a company that will offer the coverage you need at a payment you can afford. If you’re not sure what kind of coverage you need or how to go about procuring life insurance, you can always seek assistance from a financial advisor or a local independent insurance agent.
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| Life Insurance : Tools |
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