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

best life insurance companies

As independent agents, our goal at TermLife2Go is to find the best life insurance available for you from the top life insurance companies in the United States. With so many companies 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 products 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. Needs such as:

Our #1 priority is to find you the best company 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…

Need life insurance fast?

Check out our article that covers the top no medical exam companies.

This video will provide you with a brief synopsis of our best life insurance companies article

 

And the Best Life Insurance Company in 2017 is…

Another year has gone by and we have seen some major shifts in the life insurance marketplace. Certain companies, such as Genworth Financial, no longer offer individual life insurance. Having access to the best life insurance companies 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 2017?

The answer you get will vary depending on who you ask and the criteria they are using. The 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

Prices Offered – You Have to Qualify

“A quote is just a quote.” -TermLife2Go agent

You can enter your info into our quote engine for both exam and no exam life insurance quotes here. However, in order to actually receive that quote you must qualify.

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 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.

What Policy is Best for Me?

There are many different types of life insurance policies available. Determining which policy is the best for you will come down to your specific need.

Take a moment and educate yourself on the difference between term and whole life insurance. The policy that you need will help direct us to the best carrier recommendation for you.

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.

Financial Strength

The primary credit rating agencies are A.M. Best, Standard and Poor’s, Fitch and Moody’s. Of these, the premier ratings agency is A.M. Best Company. A.M. Best 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 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 cash value life insurance, a mutual company will often be the better choice primarily because the of annual dividends returned to policy holders.

Which Company Should I Choose?

When deciding which life insurance company to apply with it is important to understand what SHOULD be happening during your initial life insurance interview. Nearly every term life and whole life insurance application 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 of 2016 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 Farm, AARP, Farmers, 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.

Top 10 Best Life Insurance Companies of 2017

  1. AIG
  2. Assurity
  3. Banner
  4. MetLife
  5. Mutual of Omaha
  6. North American Company
  7. Protective
  8. Prudential
  9. SBLI
  10. Transamerica


aig-logo

1. AIGA.M. Best Rating: A (as of February 27, 2015)

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 owned American General rank as one of the top companies available.

Strengths:

  • 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…year terms.
  • 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.
Sample American General GUL Life Insurance to age 121 rates

Monthly quotes are based on a male at a preferred plus rate as of October 2016. Rates are for informational purposes only and are subject to change.

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 (as of 2015)

Assurity Life 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 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 LifeA.M. Best rating: A+ (as of July 02, 2015)

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+ 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.

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

Monthly 20 year term life quotes are based on a male with a Table B or Table 2 rate class as of October 2016. Rates are for informational purposes only and are subject to change.

Age$250,000$500,000$1,000,000
35$30$53$98
45$66$126$244
55$152$295$554

metlife-logo4. MetLifeA.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.

Strengths:
  • MetLife offers a diverse product line, including:
    • simplified issue life insurance
    • guaranteed acceptance whole life insurance
    • level term life insurance
    • universal life insurance
    • whole life insurance
  • MetLife choice for active military personnel.
  • MetLife must also be considered for any type 1 diabetics.

 

mutual-of-omaha-logo

5. Mutual of OmahaA.M. Best Rating: A+ (as of June 3, 2015)

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 companies 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 Plan). Available face amounts $2,000-$40,000, where applicable. Graded and non Graded plans available in most states. Face amounts for Graded Benefit $2,000-$20,000.

 

North-American-Life logo

6. North American CompanyA.M. Best Rating: A+ (as of June 3, 2015)

North American Company is quickly rising in fame, offering some of the top rated best life insurance in 2016. 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 April 28, 2015)

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 decreases the further decreases the policy premium and 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 take a lump sum.
Sample Protective Life Insurance Quotes

Monthly quotes are based on a male at a preferred plus rate as of October 2016. 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. PrudentialA.M. Best Rating: A+ (as of November 4, 2015)

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 Prudential Life 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 August 18, 2015)

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 innovative accelerated underwriting term life policy does not require a visit from a paramedical examiner. Instead, the company takes information from different sources, including MBI, MVR, Prescription Database and data from the Fair Credit Reporting Act.

Strengths:

  • Guaranteed Level Premium Term requires no paramedical exam.
  • Great customer service.
  • Price — particularly when premiums are paid annually.
  • Term Lengths — offering a full suite of term lengths: 10, 15, 20, 25, and 30 year terms available.
  • 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 November 2015)

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 comes in three flavors: no medical 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:

Summary Top 10 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.

(Updated list as of December 5, 2016)

We list the date above because 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.

The Largest Life Insurance Company

If you are looking for the biggest life insurance companies in terms of who writes the most individual life insurance, the king of the hill for 2015 was:

  1. Northwestern Mutual with 8.3% of the market share
  2. New York Life Insurance Group 5.8%
  3. MetLife Inc. 5.5%
  4. Lincoln National Corp. 4.9%
  5. Prudential Financial Inc. 4.2%
  6. MassMutual Life Insurance Co. 3.9%
  7. ManuLife Financial Corp. 3.9%
  8. State Farm Mutual Automobile Insurance 3.5%
  9. AEGON 3.4%
  10. Aflac, Inc. 2.9%

Source

And at any given time, one of the carriers in the following table of top companies may move into our Top Ten Life Insurance Companies list.

Ratings as of November 2016A.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
NationwideA+A+A1
Northwestern MutualA++AA+AaaAAA
Pacific LifeA+AA-A1A+
Principal Financial GroupA+A+A1AA-
ProgressiveA+AAAa2AA
Symetra LifeAAA2A

About TermLife2Go

Our #1 priority is to find you the best company at the best price…for you! That means we tailor a policy specifically to you, because no two clients are alike. TermLife2Go works with dozens of the top rated companies, let us leverage our expertise for you and see if we can’t save you thousands of dollars on life insurance. .

So what are you waiting for? Give us a chance to earn your business. Please call us today for a free consultation and experience the Termlife2Go difference!

If you enjoyed our article, Top 10 Best Life Insurance Companies in the United States for 2016, and/or have any questions, please leave a comment below. We would love to hear from you!

37 comments… add one
  • Pamela C Harney

    My mother passed on Jan 3 2017 is there a way to check insurance companies to see if she had life insurance policies

  • Pamela Boyd

    Hello. My husband and I are having a hard time choosing the right insurance for us. We are both 51 years old.Friends that sell insurance are a bit agressive and we have become overwhelmed. Help! He has HBP/smoker and I have diabetes/non-smoker. Also want to make sure our daughter (18) is okay if something happens to us. Thank you in advance.

  • Pamela D. McClure

    I am 53, a Navy veteran and single mother of 4 (29, 26, 17, 13), and grandmother of 2 (7 and 4). As part of my 2017 resolution I am looking into buying more life insurance. Although I want to leave something to take care of all my children, 2 of them have autism (high-functioning Aspergers) and I want to make sure that they are provided for but between term, whole and level term life insurance I don’t even know where to start. I also want to invest in protection in case something happens to any of them. HELP!!!!!!!!

    • Hi Pamela,

      Please be on the look out for a reply email from us. Also, feel free to call in as we are ready and available to help you in any way we can.

      Sincerely,
      TermLife2Go

  • Claudia

    What about New York life?

  • Carmen M

    I will turn 65 soon.
    I want to buy life insurance before i turn 65.
    I want a strong reputable co.
    I am in good health.
    I have a down syndrome daughter who i want to protect.
    I do not want to pay more than $200. Per month.
    What is your best offer?

    • Carmen,

      We would be happy to help you out, we’ll just need to learn a little bit more about you and how much coverage you’re looking for before we could get into any specifics.

      For this reason, why don’t you just give us a call when you have an opportunity and we’ll do our best to meet your needs.

      Thanks,

      TermLife2Go.

  • I want to get my mother some life
    Insurance be cause when my dad
    Passed away I had to pay .this time
    I want to be able to pay for it and
    Steel live my life . I don’t know enenything about life insurance

    • John,

      Sounds like you have plenty of reasons for looking into purchasing life insurance for you mother, so why don’t you just give us a call and we’ll be sure to do our best to help you out and answer any questions you may have.

      Thanks,

      TermLife2Go.

  • I’m looking for life insurance for me and my husband. I got turned down for a policy with “XYZ” and my husband was approved and he’s got high blood pressure also. I’m needing one that’s willing to put both of us on the same company. Humans beings can’t control our health care. We have no disease at all. We are on a few medications. Can you please help us? Thanks

    • Mrs. Waite,

      When you get a chance, give us a call so that we can try to determine why you’ve been declined coverage and then based on that, try to determine which company would be best for both you and your husband.

      Thanks,

      TermLife2Go.

  • Evangeline

    What would be best term life premium quotes for me? 53 years female, good health condition..no heart problem, not a diabetic, no cancer, i am healthy. I need a term life 30 years, with a rider of waiver of premium and will be paid when disability strikes…. I just turned 53 last Sept 2016..

    Any would make any recommendations?

    • Evangeline,

      We would need to gather some additional information before we would be able to provide you with an accurate quote

      For example:

      – How much coverage do you want?
      – What is our current height and weight?
      – What state do you live in?
      – Etc, etc…

      For this reason, why don’t you just give us a call when you have a chance and we’ll do our best to meet your needs.

      Thanks,

      TermLife2Go.

  • Wanda Causey

    Please help, trying to find right policy for my husband who is 65 an has heart problems, need policy that doesn’t reguire big payments but has a decent payout amount . Thank you

    • Wanda,

      We’d love to help you out, but we’re certainly going to need to learn more about your husbands situation before we can make any type of recommendations.

      Why don’t you just give us a call when you have a chance and we’ll do our very best to serve you.

      Thanks,

      TermLife2Go.

  • I need to get insurance for my 87 year old aunt. She’s in good health.

    • Angela,

      Unfortunately we simply don’t have any life insurance companies that we represent that will write new life insurance policies for those over 85 years of age. You may want to try “Googling” life insurance over the age of 85 and see if their are any other insurance companies that may be able to assist you.

      Thanks,

      TermLife2Go.

  • Dan

    do you offer term life insurance for someone who is age 33 a convicted felon and currently on parole?

    • Dan,

      We have yet to find an insurance company that is willing to offer term life insurance coverage to someone that is currently on parole.

      Now there are some insurance carriers that don’t specifically ask if someone is on parole, but if during underwriting, it is discovered, it has been our experience that the application will be denied.

      For this reason, we’ll typically recommend an accidental death insurance policy for someone that is currently on parole and then just have them apply for a traditional term or whole life insurance policy once they are eligible.

      For additional information regarding what an accidental death policy is, we recommend that you take a look at the following article:

      http://termlife2go.com/accidental-death-insurance-review/

      Thanks,

      TermLife2Go.

  • Lynn Childress

    I am looking for life insurance that offer alot and payments are reasonable as well, i have read over alot of what they have to offer and would like to speak with someone more about my option

    • Lynn,

      That sounds good, just give us a call during are regular business hours.

      Thanks,

      TermLife2Go

  • Sandra S Holloway

    I have a United Services Life Insurance Company policy from the 1960s and can find no info on this company to see if this is a viable policy. Can anyone there help me?

    • Sandra,

      After doing a quick search it looks like their contact number is 800-424-2300. We would suggest that you give them a call directly to learn more about your policy.

      Thanks,

      TermLife2Go.

  • Terry

    Would you rank Prudential or MetLife as the best life insurance company in the group for marijuana users?

  • daniel

    I’m interested in a 500000 policy

    • Sounds good, just give us a call at and we’ll be more than happy to help.

      Thanks,

      TermLife2Go.

  • C Young

    Who offers the best life insurance for someone dealing with high blood pressure?

    • C Young,

      It’s really going to depend on several factors, such as: your age, your weight, are you treating your elevated blood pressure, etc… etc…

      Your best bet is to just give us a call and we’ll run the numbers for you.

      Thanks,

      TermLife2Go.

  • Vivian Wheeler

    If one were interested in working for your company would one have to be a licensed insurance agent or simply trained by your company to know the differences in the companies represented and their product offerings?

    • Vivian,

      In order to sell life insurance for TermLife2Go, you would first need to be licensed in all 50 states. From there you would also need to be well trained on the nuances of life insurance underwriting practices and how they would apply to dozens of different insurance carriers.

      For this reason, we typically find that our best “new hires” have a minimum of 3 years selling life insurance prior to working for us here at TermLife2Go.

      Thanks,

      TermLife2Go.

  • Joy

    Do you have anything to say about Mutual of Omaha? Review?

    Thank you

  • Dargine Morris

    I am faced with a life changing decision. My mother took out a life insurance policy 30 years ago. she has paid over 50,000 dollars into the policy. The cost of the policy is over $536,00 a month. She is a retired teacher, and can not afford to keep paying this amount. She has tried to get the insurance company to change the policy so she wont lose her investment.. Please let me know what can she do to not lose all she has put into the policy The company is Lincoln National Life Insurance Company in Greensboro, NC. PLEASE HELP I DONT KNOW WHAT TO DO! we need to keep the policy to help with cost after death.

    • Dargine,

      Without knowing the exact specifics of your mothers insurance policy, it would be impossible for us to responsibly comment on what your mother can and should do regarding her policy. That being said, we would recommend that you give Lincoln National a call again, and ask them specifically what they would recommend that your mother do. After you have their advice in hand, then give us a call and we’ll see if we provide a better solution to your problem.

      Thanks,
      TermLife2Go.

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About TermLife2Go

Our licensed professionals have over two decades worth of experience and will help you choose the best life insurance company for the lowest price based on your specific needs and lifestyle. Find out more about us here.