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Ratings for the best life insurance companies

Compare the top-rated carriers for term life

As seen in Barron's, Coverager, Forbes and more.

Best Life Insurance Companies

 

Reviews of the top-rated carriers

Learn how insurers are rated and shop with confidence

What are A.M. Best ratings for life insurance companies?

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

The A.M. Best rating is a forward-looking and objective opinion regarding an insurer’s relative creditworthiness based on a comprehensive analysis of balance sheet strength, operating performance, and company profile.

We work only with the best life insurance companies that are A-rated (or better) for financial solvency. Because all are financially trustworthy, you can shop for and buy your preferred term life policy with confidence from Quotacy.

 

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: What You Need to Know About Life Insurance Company Ratings

 

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What are BBB ratings for life insurance companies?

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

Their ratings represent the BBB’s opinion of how a life insurance company is likely to interact with its customers. The BBB rating is based on information they obtain from public data sources about the business, including complaints received directly from consumers.

 

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: BBB Rating for Quotacy, Inc. = A+

 

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What are J.D. Power ratings for life insurance companies?

J.D. Power and Associates assigns life insurance companies ratings on a scale of one (average) to five (best) power circles based on survey feedback from a representative sample of verified policy owners and on a scale from 1 (worst) to 1000 (best).

The rated customer satisfaction categories include overall satisfaction, annual statement and billing, price, policy offerings, and interaction.

Because J.D. Power’s scores are based on the opinions of a representative sample of consumers who have used or owned the product or service being rated, they represent a typical buying experience.

 

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: J.D. Power U.S. Life Insurance Study (2017)

 

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What is level term life insurance?

For the majority of individuals, a level term life insurance policy is the best choice to financially protect your family from unexpected loss.

With a term life policy you choose the number of years you want coverage and how much coverage you want to purchase.

Your rates will never change during the lifetime of your policy which is why these polices are called level term.  If you die at any point during the term, your beneficiaries will receive the death benefit in the coverage amount you chose.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: What is Term Life Insurance and How Does it Work?

 

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What is return of premium term life insurance?

With a traditional term life insurance policy, if you do not die during your policy’s term, you do not get your money back.

When you purchase a Return of Premium (ROP) life insurance policy, if you die during the term, your beneficiaries receive the death benefit. If you don’t die within the time you are covered by your ROP, you get your money back. The catch is that an ROP policy is about 3 to 4 times more expensive than a traditional term life insurance policy.

 

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: What Happens If I Don’t Die While My Policy Is Inforce?

 

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What is permanent or whole life insurance?

As the name suggests, a permanent life insurance policy, such as whole life insurance, does not expire as long as you pay your premiums.

It is, however, much more expensive than term life insurance. If you need assistance with quoting permanent or whole life insurance, you can livechat, text, email, or talk with one of our advisors.

 

Learn more: Buyer’s Guide for Term vs. Whole Life Insurance

 

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The best life insurance companies for your health conditions or lifestyle

Not all life insurance companies view certain factors, such as health conditions or lifestyle choices, in the same light.

While one insurance company may be the best for you, that same carrier may not be the best for your spouse. To stay competitive within the insurance industry, insurers market to niche groups. That means some carriers offers advantages (better pricing) for people with certain health conditions (for example, people with anxiety) or lifestyle choices (for example, people who have quit smoking).

Finding the best life insurance company for your needs doesn’t have to be difficult. When you apply through Quotacy, our experienced licensed agents and in-house underwriting team will review your application to make sure you are teamed up with the best carrier for your situation. If there is a company that will approve you at a better price, we will let you know. The choice of your insurer is up to you, but our job is to make sure you know your options.

 

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: How Quotacy Shops Your Life Insurance For You

 

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How to buy term life insurance

Simple steps to go from quote to coverage:

  1. Estimate your needs
  2. Get your quote
  3. Choose your policy
  4. Apply online within five minutes
  5. Complete your phone interview & medical exam*
  6. Get approved for coverage

*There are accelerated underwriting and no medical exam policy options that streamline these steps.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: Questions to Ask When Buying Life Insurance

 

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Life insurance made easy

We guide you from quote to coverage