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Monday, May 7, 2018

TOP 10 BEST LIFE INSURANCE COMPANIES FOR 2018

TOP 10 BEST LIFE INSURANCE COMPANIES FOR 2018


As independent insurance agents, our goal at TermLife2Go is to find the best life insurance policies available for you from the top life insurance companies in the United States. The last thing we want to do is offer you life insurance quotes that are unobtainable. Rather, we try our best to align each client with the right company that meets each client’s specific needs, goals and objectives.  With so many companies and policies available it is essential that we stay on top of each company’s unique niche in the marketplace.
We work with dozens of top rated life insurance companies. The list of companies we focus on can change at any given time depending on which companies are currently offering the best policies and pricing. The advantage to representing multiple carriers is that we can find the best life insurance company for you based on your specific needs.
Need life insurance fast?
Check out our article that covers the top no medical exam companies.
Our #1 priority is to find you the best company and plan at the best price…for you! That means we tailor a policy specifically to you, because no two clients are alike. Let us leverage our expertise for you and see if we can’t save you thousands of dollars on life insurance…

And the Best Life Insurance Company in 2018 is…

Another year has gone by and we have seen some major shifts in the life insurance marketplace. Certain companies, such as Genworth Financial and MetLife no longer offer individual life insurance plans. Having access to the best life insurance companies and policies in the U.S.A. is essential to finding you the right company that caters to your unique need, health and lifestyle.
At TermLife2Go, we are independent agents, rather than captive agents. What this means is we are free to choose from among the top carriers, instead of being captive to only ONE company. Many of the larger agencies out there only represent a handful of companies. However, we have access to dozens of top companies, with a pool of more companies to draw from if necessary.
Having many companies to choose from allows us to offer the right company to our clients, instead of the company that offers us a “sweet heart” deal. It is this independence that allows us to best serve our clients.

Which company offers the best life insurance in 2018?

The answer you get will vary depending on who you ask and the criteria they are usingThe criteria we are using to determine who offers the “best life insurance” is based on the following:
  • Prices offered
  • Products offered
  • Unique niches the company fills
  • Financial Strength
“A quote is just a quote.” TermLife2Go insurance agent
A lot of online life insurance ads will make claims such as,
Save up to 70% on your life insurance!
What they are not telling you is the comparison is with an inferior product form an inferior company. Because of the tough competition among the top insurance companies, life insurance rates among the best companies and policies are very competitive.
Further, it is not like that 70% necessarily applies to you. You see, in order to actually receive that quote you must qualify for it. And this is the key. Carriers give out different health rate categories depending on a clients health and lifestyle.
Our goal is to align each client with the company that suits that specific client’s unique need, health and lifestyle so that each client has the greatest opportunity at getting the top health category. In this way, our clients have the best shot at getting the best price for life insurance coverage specific to him or her.
And don’t neglect preparing for the life insurance medical exam! A few tweaks to your daily routine can save you thousands over the life of your policy.

Finding the Unique Niche for Each Client

Blood pressure, cholesterol, history of cancer, overweight, dangerous hobbies, foreign travel, etc… Each of these conditions can make or break your life insurance application. Our job as agents for our clients is to align each client with the company that we believe best fits the unique need of each unique person we serve.
No two companies and no two clients are the same. There is no one size fits all company. Instead, there are many different companies all vying for your business. The key is to choose the one that will give you the best shot at getting the best life insurance policy.

Determining Financial Strength

The primary credit rating agencies are A.M. Best, Standard and Poor’s, Fitch Ratings and Moody’s. Of these, A.M. Best Company is widely considered the premier ratings agency for life insurance companies. A.M. Best credit ratings offered include:
  • Superior (A+ to A++)
  • Excellent (A to A-)
  • Good (B+ to B++)
  • Fair (B to B)-
  • Marginal (C to C++)
  • Weak (C to C-)
  • Poor (D)
The majority of the companies we recommend are A.M. Best rated excellent (A to A-) and above. Occasionally we will recommend a company with a good rating (B+ to B++), which A.M. Best believes have a good ability to meet ongoing insurance obligations. We try and list the rating of each company but if you are unsure please feel free to ask us.

What Life Insurance Company is Best for Me?

There are two main types of companies, mutual and stock. Mutual insurance companies are owned by the policyholder and stock companies are owned by the stock holders. Neither of these types of company is better than the other per se.
However, for particular products, such as dividend paying whole life insurance, a mutual company will often be the better choice primarily because the of annual dividends returned to policy holders.

What Policy is Best for Me?

Apart from getting acquainted with the best life insurers, you need to also be familiar with the different types of life insurance policies.There are two main types: term life and permanent life insurance.
Term life is pure insurance, with no cash value, and is initially the most affordable life insurance available. There is a lump sum death benefit, paid to your beneficiary income tax free. You can choose various term insurance lengths, starting with annual renewable term (1 year), 5 year, 10, 15, 20, 25 and 30. Once the term expires the term insurance policy can be renewed annually, although your cost of insurance will go up every year. Alternatively, some companies lower the death benefit rather than raise the premiums. You can also convert your policy to permanent life insurance coverage before the term policy expires or before a certain age, typically age 70.
A permanent life insurance policy lasts your entire life. It is also known as cash value life insurance. The policy builds cash value, that you can access with life insurance loans or withdrawals. Cash value life insurance pays a tax free lump sum death benefit to your beneficiary. Life insurance loans are income tax free and the cash value growth is tax deferred.
When deciding which life insurance company to apply with it is important to understand what SHOULDbe happening during your initial life insurance interview. Nearly every term life vs whole life insuranceapplication will share many of the same questions.
These questions should serve three purposes:
  • Help determine if you’ll qualify for the life insurance being applied for,
  • Determine what price you’ll end up paying for your life insurance, and
  • Help determine which life insurance company will be the right one for you!
The below top ten best life insurance companies list is comprised of the carriers that we most frequently recommend to our clients along with a brief synopsis on each company’s strengths and weaknesses.
You may be asking, why is State FarmAARPFarmers, or Allstate not on this list? The reason is those companies only offer insurance “in house” by captive agents. Further, due to those companies focus on other insurance lines, such as health and auto, they typically miss the mark when it comes to offering the best life insurance.
Now, we would like to state for the record that this list is a “fluid” one. Fluid because, on any given day, any one of the dozen of different carriers that we represent may in fact change one of its underwriting guidelines. This is why it is important to choose a life insurance agency with agents that focus exclusively on placing term, universal and whole life insurance, instead of other types of insurance, such as health and auto, typically offered by captive agents.

1. AIG – A.M. Best Rating: A (as of May 2017)

AIG’s life insurance brand is American General Life Insurance Company (AGLA). AGLA is the right choice for many because the company is the “jack of all trades” in the insurance industry. This is demonstrated by the Company’s flexible (i.e. loose) underwriting, competitive pricing which is usually well below the industry average, and they have exceptional customer service.
The following strengths help AIG rank as one of the top companies.
  • Great carrier for higher risk applicants, such as those looking for diabetic life insurance.
  • You can tailor your term to a specific length from 15-30 years, such as 16, 17, 18, 19, etc.
  • Excellent living benefit riders, including an accelerated death benefit rider free of charge.
    • An ADB rider works like this: If you are diagnosed terminally ill, you can receive a portion of your death benefit while you are still alive, which can be used to help pay bills, hospice, or whatever else you need it for.
  • AIG offers some of the lowest rates on Guaranteed Universal Life insurance (GUL) to age 121. This is a fixed premium policy that becomes fully vested at age 121. If you die before age 121 it pays out the full face amount. If you live beyond age 121 then you can cash the policy in for the full face amount. This is a great option for business succession planning such as funding a buy-sell agreement with life insurance.
  • You can also add a child life insurance rider to your policy which covers all your kids at one set premium rate.
Sample American General GUL Life Insurance to age 121 rates
Annual quotes are based on a male at a preferred plus rate as of February 2017. Rates are for informational purposes only, are subject to change and must be qualified for.
Age$250,000$500,000$1,000,000$2,500,000
30$1,205$2,205$3,990$9,975
40$1,592$3,015$5,690$14,225
50$2,425$4,570$8,580$21,450
60$3,905$7,645$14,950$37,375

assurity logo

2. ASSURITY – A.M. Best Rating: A (affirmed Feb 2017)

Assurity Life Insurance Company is a mutual insurance company, which means the company’s main priority is to its policyholders—not shareholders. This is a big deal, especially if you are considering the company’s participating whole life insurance. The company’s three main products include:
LifeScape NonMed Term 350
No medical exam required but you must answer some questions and pass MIB, pharmacy and MVR checks.
Policy features:
  • Ages: 18-65.
  • Face amounts: $50,000-$350,000.
  • Term: 10, 15, 20 and 30 years.
LifeScape Term 350 Plus
This is a fully underwritten guaranteed premium term life insurance policy.
  • Ages: 18-74.
  • Face amounts: $350,001 and up.
  • Ages 66-74 start at $100,001 and up.
  • Optional 20 and 30 year Return of Premium Benefits Rider.
LifeScape Whole Life Insurance
  • This is a fully underwritten whole life insurance policy with level fixed premiums throughout the life of the policy.
  • As with any whole life insurance, the policy builds cash value and will last the rest of your life as long as premiums are paid.
  • Available ages are from 0-85 years old in face amounts starting at $10,000 on up.

legal-and-general-logo

3. Banner Life – A.M. Best rating: A+ (as of August 2016)

What would a top 10 list of the best life insurance companies in the United States be without Banner? Owned by parent company Legal and General, Banner Life is Legal and General’s flagship life insurance company in America and one of our favorite carriers to write; not only because of their A+ financial stability rating, but also because of their exceptional service and price.
Banner will typically be one of the lowest priced insurance products available to our clients. And what is nice about them is that they’re underwriting is typically quite liberal. Banner Life’s Strengths:
  • Great carrier for higher risk applicants especially type 2 diabetics and type 1 diabetics.
  • Banner Life policies are renewable and convertible to the age 95 (most competitors only allow policies to be renewed to age 90).
  • Excellent pricing on table rates (i.e. high risk life insurance rates below standard).
  • Banner Life offers an accelerated death benefit rider free of charge.
Sample Banner Life Insurance quotes
20 year term life quotes are based on a male with a Table B or Table 2 rate class as of February 2017. Rates are for informational purposes only and are subject to change.
Age$250,000$500,000$1,000,000
35$30$52$96
45$66$124$240
55$152$291$546

metlife-logo4. MetLife – A.M. Best Company Rating: A (as of October 7, 2016)

MetLife is the largest life insurance company in North America for actual in force business. The Company also boasts a stellar reputation due to the company’s financial strength and great customer service. When the company is competitive for price, they’re usually a great fit.
As of March 2017, the retail side of MetLife will now be sold under Brighthouse Financial.
Strengths:
  • Brighthouse offers a diverse product line, including:
    • simplified issue life insurance coverage
    • guaranteed acceptance whole life insurance coverage
    • level term life insurance coverage
    • universal life insurance coverage
    • whole life insurance coverage
  • MetLife choice for active military personnel.
  • MetLife must also be considered for any type 1 diabetics.
  • Marijuana life insurance underwriting experts.
mutual-of-omaha-logo

5. Mutual of Omaha – A.M. Best Rating: A+ (as of December 2016)

One of the best niches is the Company’s Fit Underwriting Credit Program which benefits clients who normally would be rated below standard. Good life insurance policies usually have some sort of healthy credits program, and MOO is no exception. The Company offers 14 lifestyle and health credits. If a client possesses characteristics identified as three or more of the credits then the client will be eligible for a better rate class, up to two table ratings.
Simplified issue, Term life, Universal life, and Whole life insurance products are available. One of the most popular policies is the company’s Living Promise Whole Life.
Living Promise Whole Life: Ages 45-85 (80 for Graded Life Insurance Plan). Available face amounts $2,000-$40,000, where applicable. Graded and non Graded life insurance plans available in most states. Face amounts for Graded Benefit $2,000-$20,000.

North-American-Life logo

6. North American Company – A.M. Best Rating: A+ (as of July 2017)

North American Company is quickly rising in fame, offering some of the top rated best life insurance in 2017. And don’t let the name fool you, just because the name North American Company for Life and Health Insurance doesn’t roll off your tongue doesn’t mean you shouldn’t consider them when deciding who you want to apply for coverage with.
As a privately owned insurance carrier, North American Company has consistently demonstrated that, through sound investments in secure and stable assets, it can maintain the highest rating in financial strength and stability.
Strengths:
  • Great pricing for specific age brackets.
  • Solid product line offering some of the best life insurance policies, including:
  • Exceptional Customer Service

protective life logo

7. Protective Life – A.M. Best Rating: A+ (as of June 2016)

No top 10 life insurance companies in the United States list is complete if it does not include Protective Life. You just gotta love a company whose motto is: “Do the Right Thing, Serve People, Build Trust and Simplify Everything.”And they’ve been doing it that way since 1907.
Now throw in that they are nearly always around the lowest priced term life insurance carrier in the industry and it is difficult to think of a situation when Protective shouldn’t at least be considered as the best choice.
Strengths:
  • Guaranteed Universal Life Insurance experts. The company offers GUL in the form of 10, 15, 20 or 30 year term options. Once the policy term expires the coverage continues at the same price with a decreasing face amount.
  • Highly competitive pricing. Typically one of the most affordable—if not the most affordable option available.
  • Income Provider Rider: optional rider that further decreases the life insurance premium because it pays out the death benefit over a period of time rather than lump sum. This is great for parents who do not want their children to receive a lump sum, but would rather spread it out up to 30 years.
Sample Protective Life Insurance Quotes
Monthly rates are based on a 20 year term for a male at a preferred plus health class as of February 2017. Rates must be qualified for and are subject to change.
Age$250,000$500,000$1,000,000
30$13$20$35
40$17$28$52
50$41$76$143
60$112$207$400

prudential logo

8. Prudential – A.M. Best Rating: A+ (as of November 1, 2017)

Prudential, Pruco, or, “the Rock”, is one of those fantastic companies that everyone’s heard of, everyone knows, and everyone feels comfortable working with.
We particularly like Pruco Life Insurance Company because they have made the financial decision to dominate certain “niches” within the life insurance industry. The Company accomplishes this by offering the lowest pricing in certain lifestyle and health areas and also by separating themselves from the herd through the adoption of unique underwriting guidelines specifically for:
  • Travel locales
  • Tobacco Use
  • Cancer Survivors
  • DUI’s
  • Diabetes.
Strengths:
  • Creative underwriting.
  • Solid product line.
  • Non U.S. Resident Life Insurance.
  • Prudential will use an applicants true age or actual age in determining premiums rather that rounding up or down based on which birthday is closer to the date of application. This is a common practice within the life insurance industry known as “insurance age” vs “actual age” where most companies will date you one year older if you are six months past your last birthday.

sbli-logo

9. SBLI – A.M. Best Rating: A (as of November 2016)

The self proclaimed “No Nonsense Life Insurance Company”, SBLI, in our experience, is just that. Known throughout the industry as being one of the more customer-centric life insurance carriers out there, SBLI seems to have used its smaller size to allow it to provide great customer service, and the lowest life insurance rates in many categories, particularly for those willing to pay on an annual basis.
SBLI’s accelerated underwriting term policy is cutting edge.
Strengths:
  • Guaranteed Level Premium Term offers insurance without an invasive in-home visit
    • up to $500,000 term life available
    • available for those between the ages of 18-60
    • 10, 15, 20, 25 and 30 year term rate guarantee periods
  • Fast and convenient application process
  • Great customer service
  • Price — particularly when premiums are paid annually.
  • SBLI also offers a annual renewable term (ART) product for those who are looking for a shorter term such as those seeking to cover an SBA loan with life insurance.

logo_transamerica life insurance company

10. Transamerica – A.M. Best rating: A+ (as of May 2017)

Bookmarking the end of our top ten life insurance companies list is Transamerica. Famous for its trademark Pyramid, Transamerica life insurance is definitely a top “go to” company, especially for older clients.
The company’s term life insurance coverage comes in three flavors: no medical exam term life with a face amount limit of $249,999; term life with return of premium, and fully underwritten term life insurance policy with terms of 10, 15, 20, 25, and 30 years.
Transamerica also offers whole and universal life insurance.
Strengths:

The Best Life Insurance Companies

CompanyA.M. Best RatingS&P Rating
AIGAA+
AssurityA-NR
BannerA+AA-
MetLifeAA+
Mutual of OmahaA+AA-
North AmericanA+A+
Protective LifeA+AA-
PrudentialA+AA-
SBLIA+A-
TransamericaA+AA-
And there you have it—TermLife2Go’s

Top 10 Best Life Insurance Companies in the U.S.

We represent dozens of the top life insurance companies and we’re constantly reviewing companies based on pricing and underwriting criteria so that we’re sure to stay on top of any changes within the industry.
Today’s top ten life list is not necessarily going to be the same down the road. Which is why it is important for you to choose a life insurance agency that is not bound to any company and whose main purpose is to find you and your family the coverage you deserve—an agency such as TermLife2Go.

Best Life Insurance Companies by Underwriting Niches

dd========================================
If you are looking for the most affordable life insurance coverage available it is important that you align yourself with the insurance provider that best suits your specific lifestyle or health need. Certain companies cater to specific health issues, such as diabetes or sleep apnea. And some companies are more favorably inclined to pilots, scuba divers, or other potentially hazardous activities. The good news is we stay on top of the trends in the industry so we can align you with the company that will be most favorable to your specific health or lifestyle.
For Diabetics
The two life insurers that currently offer the best life insurance for diabetics out there right now are American General (AIG) and Banner Life (Legal and General). Both of these carriers made our top 10 list due to their great underwriting, which is often more liberal than other top life insurers. And both of these insurance carriers work well with applicants who have either type I or II diabetes.
For Smokers
Once again, Banner Life Insurance Company comes in as one of the top life insurance companies for smokers and tobacco users. If you smoke and need insurance coverage, Banner is a great choice, although Fidelity Life, North American, Assurity, Sagicor Life Insurance Company and Transamerica may also be competitive options at times, particularly if you are considering something other than a term insurance policy.
For example, if a 30 year old male qualifying for a preferred tobacco rate class wanted the most affordable life insurance coverage for smokers, he would want to choose Assurity. A $250,000 10 year term policy at a preferred tobacco rate with Assurity is $27.41 a month, a 10% monthly premium savings over Banner Life.
For Cigar Users
So here is something interesting, certain amounts of cigar use is permitted with certain carriers. If you smoke an occasional cigar, Pruco Life Insurance Company is one of the best life insurance companies to go with. However, other carriers may beat Pruco out on price at times, so it is important to check the alternatives.
Interested in more underwriting niches? You can check out our complete list of pre-existing conditions here or simply give us a call and let us direct you to the right company for you based on your specific health and lifestyle.

Which Policy Should I Choose?

Term Life Insurance
Level term life insurance offers death benefit protection for the term of the policy.
Term policy lengths vary but you can find life insurance terms from 1 year, such as annual renewable term, all the way up to 35 year return of premium life insurance.
Most term life insurance policies offer a conversion option, that allows the owner to convert all or a portion of the face amount into permanent coverage with no proof of insurability. This is a huge benefit if you need to keep the policy due to changes in your life, or if your health changes and you would otherwise be uninsurable.

Permanent Life Insurance

There are two main types of permanent life insurance: whole life and universal life.
Whole Life Insurance
Whole life insurance policies last your entire life. You can choose from several different life insurance plans and you can configure your policy to focus on either the death benefit or the cash value accumulation.
Some whole life policies include:
  • 10 pay whole life insurance coverage
  • 20 pay whole life insurance coverage
  • Life paid up at 65
  • Life paid up at 100
The advantage of limited pay life insurance coverage is once you fulfill your limited pay requirement period you have paid up life insurance for life. Further, if you have whole life with a participating policy that pays annual dividends, then your cash value and death benefit CONTINUES to grow.
Whole life offers some pretty fantastic guarantees, such as:
  • Guaranteed cash value growth
  • Guaranteed death benefit protection
  • Guaranteed level premiums
In addition, dividend paying whole life insurance coverage offers a return of premium paid annual to participating policyholders. Dividends can be used for:
  • Purchasing paid up additional life insurance
  • Earning interest with the carrier
  • Paying premiums
  • Cash out
Paid up additions is the most popular option chosen for dividends. With paid up additions, you purchase additional paid up life insurance. This allows your cash account to grow and your death benefit. That way your death benefit is at its maximum when that inevitable day arrives and you maximize your estate—and your legacy!

Universal Life Insurance

Universal life insurance comes in three different plans: Guaranteed, Indexed and Variable

Guaranteed Universal Life

Guaranteed universal life (GUL) offers flexible, lower premiums than other permanent policies. The primary focus for GUL on permanent death benefit coverage with limited cash value growth.

Indexed Universal Life

Indexed universal life insurance (IUL) offers similar premium flexibility but offers higher cash value growth than GUL. The policies cash account is indexed to the market, either the S&P 500, NASDAQ, etc…, and the policy offers a guaranteed floor and has a maximum cap, somewhere around 12-14%. The main advantage is your policy earns a guaranteed positive return, even if the market is down. However, your gains are limited by the cap, so the policy does not participate in huge stock market gains above the cap.

Variable Universal Life

Variable Universal Life (VUL) provides similar flexible premiums but with the highest cash value accumulation opportunity due to the cash account being directly invested into the market. As a result, VUL has the opportunity for high returns, but also the opportunity for huge losses, all tied to the performance of the stock market.
So what policy should I choose?
With so many amazing options from so many fantastic life insurance policies it is hard to say what policy type is best for you. But don’t worry, our team of life insurance coverage professionals are standing by waiting to help you with any questions you have and point you to the best company offering the best policy and plan specifically designed for your needs, goals and objectives.

Top 10 Highest Rated Life Insurance Companies

The following list is organized by the Comdex ranking of the top rated life insurance companies that offer life insurance coverage to individuals. The Comdex ranking is a composite that takes the insurance ratings of the different companies and ranks the companies based on financial strength in comparison to the company’s peers. For 2016, the highest rated life insurance company was Northwestern Mutual.
CompanyA.M. Best RatingS&P RatingFitch RatingMoody’s RatingComdex Ranking
Northwestern Mutual life insuranceA++AA+AAAAaa100
top rated life insurance A++AA+AAAAaa100
highest rated life insurance companyA++AA+N/AN/A100
TIAA Life insuranceA++AA+AAAAa199
thrivent financial life insuranceA++N/AAA+N/A
usaa life insuranceA++AA+AAAAa199
Mass mutual life insuranceA++AA+AA+Aa298
state farm life insuranceA++AAN/AAa198
guardian life insuranceA++AA+AA+Aa298
lafayette life insurance companyA+AAAAN/A96

Top 10 Largest Life Insurance Companies

If you are looking for the largest life insurance company in terms of who writes the most individual life insurance, the king of the hill for 2016 was:
RankCompanyDirect Premiums WrittenMarket Share
1metlife life insurance$12,632,859,3827.87%
2northwestern mutual life insurance company$10,100,910,2456.29%
3new york life insurance company$8,794,014,6755.48%
4Pruco Life Insurance Company$8,564,866,5555.33%
5lincoln national group$6,903,962,4504.3%
6massmutual life insurance company$6,658,688,1314.15%
7aegon us holding group$4,650,569,7032.9%
8john hancock life insurance company$4,567,250,2482.84%
9state farm life insurance company$4,390,556,8842.73%
10minnesota mutual group$3,907,991,1352.43%
And at any given time, one of the carriers in the following table of top 20 life insurance companies may move into our Top Ten Life Insurance Companies list.

Top 20 Life Insurance Companies

Ratings as of January 2017A.M. BestStandard and Poor’sMoody’sFitch
AetnaAA+A-2AA-
American AmicableA
AmericoA
AXA EquitableA+AA-Aa3AA-
Boston MutualA-
Cincinnati InsuranceAA+A+
Fidelity Life AssociationA-
ForestersA
Gerber LifeA
Globe LifeA+
GuardianA++AA+Aa2AA+
The HartfordA-BBB+Baa2
John HancockA+AA-A1AA-
Kemper CorporationABaa3A-
Lafayette LifeA+AAAA
Lincoln FinancialA+AA-A1A+
MassMutualA++AA+Aa2AA+
Minnesota LifeA+A+Aa3AA
Mutual TrustA
National Life GroupAA+A2
NationwideA+A+A1
Northwestern MutualA++AA+AaaAAA
Pacific LifeA+AA-A1A+
Penn MutualA+A+Aa3
Principal Financial GroupA+A+A1AA-
ProgressiveA+AAAa2AA
SagicorA-
Symetra LifeAAA2A
Voya ReliaStarAAA2A

Conclusion

We realize this is a lot of information to digest. The main takeaway is that choosing an agency that works with the top rated best life insurance companies and policies in the U.S. and can help align you with the insurer that will give you the highest likelihood of receiving the lowest rates, is going to be the best way to truly shop for life insurance coverage online. So, the key is to find an agency, such as TermLife2Go, that can help you accomplish your goal of getting a top of the line policy, with a top carrier, for the best price.


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