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Hartford Life Insurance Reviews

Hartford Life Insurance Reviews

Among the myriads of companies is Hartford Life Insurance. The Hartford Life is an excellent company and one of the top rated life insurance companies we represent. For a free consultation on who the best company might be for you, please give us a call today.

Hartford Life Insurance Reviews

A good life insurance policy can help ease the hardships of death and loss; purchasing coverage so that your loved ones will not have to face financial ruin or even temporary hardship is one way to show them how much you love them. The Hartford Life Insurance is one company you may have considered for your life insurance coverage—but are they right for you? Our job at TermLife2Go is to help you find the best possible life insurance plan within your budget, and it is in that spirit that we offer you this review of Hartford Life Insurance and the policies they offer.

About The Hartford Life Insurance

Hartford Life Insurance is part of The Hartford, which was founded in 1810. Being in the business for more than 200 years says a lot about a company. The Hartford Insurance specializes in financial products including property and casualty insurance, and mutual funds. However, they also offer financial services such as business insurance and life insurance. The Hartford Insurance has also worked with the well-known AARP for almost thirty years, providing members with auto and homeowners insurance.


Life insurance companies are rated by third party organizations. These ratings assess things like the financial health and future of a life insurance company.

  • AM Best Company: A+ (Superior) as of May 2015.
  • Standard & Poor’s Rating: A+ (Good Rating) as of April 2015.
  • Moody’s Rating: A1 (High Quality, low credit risk) as of April 2015.

All three of these ratings are in the top tier, and not all insurance companies can boast such high ratings across the board. Hartford’s ratings make a strong case for consideration of them as a top notch life insurance company.

Life Conversations

Life Conversations is a suite of additional services offered by The Hartford Insurance. The Hartford Life Insurance Company realizes that the process of death involves a lot of decision-making, and these “life conversations” with experts are designed to help ease the entire process of a stressful situation. These may not be available under all Hartford’s life insurance products.

Some of the life conversations offered by The Hartford Life Insurance Company are:

Benefits of The Hartford Life Insurance

Group Life Insurance

The Hartford works with employers and large organizations to protect employees/members with a life insurance policy. Group life insurance policies are usually more affordable. However, you need to consider what happens when your employer cancels your life insurance.

No Medical Exam Life Insurance

The Hartford Life Insurance Company offers no medical exam life insurance policies—something many people are looking for. If you have an existing medical condition but still want life insurance, this can be a great option for you. The Hartford Life Insurance usually offers no medical exam to persons under the age of 70.

Product Range

In addition to no medical exam life insurance policies, The Hartford offers a full suite of other types of life insurance policies. Most people can find a policy that works for them. Whether you want a whole life insurance policy or term life policy, The Hartford Life Insurance will probably offer it.

Drawbacks of The Hartford Life Insurance

To be honest, Hartford Life Insurance is a really solid company, and we really don’t have too much negative to say about them. They could do a better job at providing information about their products online, but that’s not an issue with their actual product; only availability of information.

The only real drawback we see with The Hartford Life Insurance is that when you make a decision to take a policy with them, you’re saying no to other companies. Why that might be an issue is that every life insurance company excels at something different. One life insurance company may make it really easily and affordable for a diabetic to qualify for life insurance coverage. Another life insurance company may work well for a person who holds a risky job.

It’s hard to tell you when Hartford Life is the best and when it may not be. The reason for this is because you are a person made up of many components, and when you’re getting life insurance the totality of who you are matters. For example:

  • Do you smoke?
  • Are you at risk of acquiring a hereditary disease at a later stage in life?
  • Do you have a risky job?
  • Have you had any major medical procedure in the last year?
  • Any pre-existing health conditions?

These are just a few questions that need to be asked (and answered) before determining which life insurance company is best for an individual.

Finding the Right Life Insurance Company

We at TermLife2Go take the time to ask you all of those questions and more. We find out all of the information we need to about your life, and then we find the life insurance company and policy that will give you the best coverage at the fairest price. If we feel Hartford Life is truly is the best for you, then we’ll tell you that. If another company will be in your best interest, we’ll tell you that, too. We do not work for any one life insurance company, and this allows us to always keep your best interest at heart.

Do you want to know if The Hartford Life Insurance is the right choice for you? Call us today for your free consultation.

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