by Porter Ashworth

With so many different insurance companies to choose from, how do you know where to start and which one is really the best? Most people arent familiar with the specific terminology that is connected to the industry and trying to figure out the best policies and carriers to be working with can be quite challenging, to say the least.

Heres The List

If That Wasnt Enough, Here Are The Next Ten

What To Look For

The first and foremost thing that you should be examining in any company is its financial strength. When you make your purchase youll want them to be in a good position so that later on in the future if you need to claim your benefit they are still around. The company that you choose for your policy needs to outlive you so choosing any one that just runs a fly-by-night operation, even though the rates may be lower, is never a good choice.

Do They Pay Their Claims?

If something unfortunate should ever happen to you, youll want to know that the claim service is easy to deal with. There are nightmare stories about people with legitimate claims having to deal with aggressive customer service reps that are running rings around their customers when they try to collect the money they are owed. The best company has an easy-to-work-with claims service that is honest and trustworthy.

Do They Have A Solid Reputation?

With the age of the Internet upon us, its easier than ever for people to get the word out when they are not happy with a certain carrier or to let others know when things have gone right. You can read through various reviews and comments online about all of the different ones. There are also open forums that provide in-depth information about providers. Youll be able to read through other peoples real-life experiences so that you can see for yourself whether it is worth your time getting a quote from them.

A company works hard to preserve its reputation when it is an ethical business. Reputation means everything when it comes to comparing insurance companies and you need to settle for nothing less than an insurance firm that keeps its word and has a fantastic reputation to back it up.

What Types Of Policies Do They Offer?

The best carrier for one person may not be the one for you. Your dear Aunt Sally that is 60 years old will be looking at a completely different policy then you are if you are 25 years old. While she may be talking about how great one company is and how much money she saved on her policy. you will be looking at a different type with different terms and conditions attached.

You may not find the right type of policy that you need at one company and then find the perfect match at another. Thats why its so important to look at a few different ones instead of just choosing the top one according to ratings and reviews. You may not be able to find everything you want at one specific one in terms of the policies being offered.

Are Their Policies Affordable And Priced Competitively?

While it may seem that there is one is better than the others, price will play a determining factor in your final decision. When youre looking at the different quotes it may seem that one carrier is offering better pricing, but you have to make sure that youre comparing apples to apples. There can be differences that only seem minor from one policy to another that can really add up to thousands of dollars difference when closely examined.

If you dont know a lot about life insurance and have a hard time wrapping your mind around it, you may want to take the different quotes you have received for various policies to a friend or family member to help you get things sorted out.

Purchasing a policy from one of these companies is an investment in your future and protection for your family. It deserves at least some research on your part before signing anything on the dotted line. All of the insurance carriers listed above do have a solid reputation but as mentioned earlier, youll need to make sure that they have the policy you need at the right price before going ahead and making a commitment with any one of them.