Life Insurance Companies in USA

Getting a right life insurance policy is the key to safeguarding your family. It is not easy as buying just another consumer product. It is the peace of mind for you and the security of your family in case of any unfortunate incident that strikes you. However, given that there are multiple life insurance companies present in the market swearing about their policies to be the best among the genre, the insurance buyer needs to be extra careful while choosing the policy that suits him, his family and finances the best.

There are certain things to know when buying life insurance from a company. Here’s a checklist that you can refer to while choosing the best life insurance company and the coveted policy:

  • While buying insurance, do an in-depth research. You can buy them online or from the life insurance agent. However, always buy insurance from a licensed insurance agent.
  • Get the insurance that suits you best without being the overwhelmed by the number of choices or the attractive rates of interests. For example, if you have a family with children depending on your income, your need will be different from a bachelor who has old parents to take care of.
  • You should be well aware of the type of coverage by the insurance plan. You can pick between term insurance (for a fixed period of time) and permanent (life-long coverage).
  • Your policy should be in tune with your financial condition – plan beforehand how much you can afford to pay as premium monthly/annually and calculate what the length of the policy should be.
  • Always choose the company that has good reputation and a stable track record of returning the coverage with minimum hassles. Also talk to your agent about how you/your family are going to get the coverage.
  • Read the terms and conditions carefully. Have a word with your agent or customer care people for further clarification before you buy the insurance finally.
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Life Insurance Companies by State

Alabama Illinois Montana South Carolina
Alaska Indiana Nebraska South Dakota
Arizona Iowa Nevada Tennessee
Arkansas Kansas New Hampshire Texas
California Kentucky New Jersey Utah
Colorado Louisiana New Mexico Vermont
Connecticut Maine New York Virginia
Delaware Maryland North Carolina Washington
Columbia Massachusetts North Dakota West Virginia
Florida Michigan Ohio Wisconsin
Georgia Minnesota Oklahoma Wyoming
Hawaii Mississippi Oregon Rhode Island
Idaho Missouri Pennsylvania