1. 37376 POINTS
    David G. Pipes, CLU®, RICP®PRO
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Insurance companies are closely regulated by states.  State commissioners take aggressive actions to protect policyholders.  The best life insurance company is the one that insures you.  It is best because it alone is obligated to pay your beneficiary.  The key issue is to have a life insurance policy that is in force the day that you need it.  No other consideration is nearly as important.
    Answered on February 27, 2014
  2. 1330 POINTS
    Mark TaylorPRO
    Licensed Life Agent, Life and Finance/ 50 States, New York
    There are many companies that have plans and coverages that are more fit to any consumer. Although all are different in their own way they serve their purpose to get the best insurance to fit your needs. Companies can be judge on financial ratings, claims,  rate, and underwriting. It is all on the consumer. I work with multiple companies so that is how I get the best coverages.  Speak an independent agent. Get advice on what is best.
    Answered on February 28, 2014
  3. 21750 POINTS
    Jim WinklerPRO
    CEO/Owner, Winkler Financial Group, Houston, Texas
    Great question! The best company is the one that gives you the best coverage for the best price. There are a lot of really good companies out there, and many that are very good in their particular areas of expertise. If you are looking, some things to look at are their ratings by A.M. Best or Standard & Poor's, for financial stability; The number and variety of complaints that are on record about them, and how clearly worded their promotional materials are - do they make sense? (or just promises?). Hope that helps you, I have a few favorites that I use for specific reasons, if you'd like to discuss them, please contact me. Thanks for asking!
    Answered on May 5, 2014
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