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Securian Life Insurance Review

Securian Life Insurance Review

What criteria is used to discern what makes one company better than another? Our goal at TermLife2Go is to focus on the various niches of the top rated life insurance companies and top rated no medical companies out there. If you are looking for the best policy for you—based on your unique health and lifestyle profile. Is Securian Insurance the right company for you? Call us today!

Review of Securian Insurance

Making a decision about which life insurance provider to use can be difficult. Every insurance company offers different policies with different criterion. So how do you know which one to use? We at TermLife2Go are dedicated to matching policy seekers with the right life insurance company and policy. In that spirit, we review some of the top life insurance agencies to help you get the information you need to help you decide on an insurance provider.

Securian Insurance Review

Securian Financial Group, in affiliation with Securian Life, is popular among many people across the nation—roughly 15 million—but are they right for you? Keep reading to learn more about Securian Financial Group and the policies they offer.

About Securian Financial Group

Securian Financial Group is as the name suggests a group which offers a variety of financial services, including life insurance policies. Securian offers policies and financial security for individuals and businesses. Over the years, they have proved themselves as a leader in the financial security sector. They also give special attention to women searching for financial securities services.

Securian Life Insurance Review: Benefits

Ratings:

The group has received solid financial ratings by the best rating agencies in the world.

Securian’s Ratings:

  • A.M. Best    A+ (Superior)
  • Fitch    AA (Very Strong)
  • Standard & Poor’s     A+ (Strong)
  • Moody’s   Aa3 (Excellent)

Having won the confidence of the best rating agencies is no small feat. Anyone looking to apply for a life insurance policy would do well to consider the significance of these ratings.

Policies:

Securian offers Term life insurance and Permanent life insurance in New York. For all other states, see Minnesota Life Insurance Reviews.

Term Life Insurance: Term covers you for a predetermined amount of time, but you can convert it to a permanent policy at a later stage.Consider term life insurance for protecting the primary bread winner, mortgage protection, divorce settlements, and to cover small business loans.

Types of permanent policies:

Consider permanent life insurance for business succession planning and estate planning. Permanent coverage is a great choice for buy sell agreements and irrevocable life insurance trusts.

Whole life insurance: This is insurance without the complexity. With a whole life insurance policy from Securian, you’ll get guaranteed premiums, death benefit, and the option to convert it to cash loans when you need it.

Universal life insurance: If you need flexibility in your payments, then this plan may be right for you.

Indexed life insurance: For people who are looking for a crediting potential, indexed life insurance may be the way to go. When you apply for this policy, it is important to remember that that the policy comes with a cap and a floor. For more information on this type of product see our article on the advantages of Indexed Universal Life.

Survivorship life insurance: Couples wanting to ensure the other is taken care of in the event of one’s passing should explore second to die life insurance. The insurance policy covers both people, and the survivor gets the payout in the event of death.

Group Insurance for Employers

Securian offers group insurance plans for businesses, and they’ve been doing so for more than 90 years. With such experience, they are uniquely positioned as experts in administering public employer plans. For businesses, they offer products including:

  • Group Term Life
  • Group Universal Life
  • Variable Group Universal Life
  • Combination Plants
  • Accidental Death and Dismemberment
  • Group Critical Illness
Financial Services

Securian offers a number of financial services outside of insurance. Sometimes it can be confusing to have all of your finances spread across companies and platforms. If you decide to get a life insurance policy with Securian, you can also utilize some of their financial services, thus making your life simpler. Whether you want investment services, trust services, or financial strategies, Securian is there.

Securian Company ReviewsSecurian Life Insurance Review: Drawbacks

When you choose a life insurance company, you are tied down to the offerings of that specific policy and company. Thus, you miss out on whatever great things another company is offering. Although Securian Life may offer you a great plan, it will have restrictions just like any other life insurance policy. When you choose a life insurance company, you are choosing your loved one’s future—that is a big decision to make alone.

Securian does not offer a no exam option. For those considering taking an exam versus no physical exam coverage, the repercussions of your choice can be substantial. For those who have not had a health check-up in a few years, no medical exam life insurance could potentially save you a ton on your coverage. And in some cases it may prevent you from being declined for life insurance.

How do I choose the right life insurance company?

As you can see by this Securian Life Insurance review, we do our best to work with policy seekers, providing them fair and neutral information about some of the most sought after life insurance companies in the United States.

We realize that while one life insurance company may be great for a lot of people, it might not be right for you. That’s why we take the time to get to know each policy seeker on an individual level: what are your likes and dislikes, lifestyle and career choices, as well as your current state of health and medical history. We use that information to make informed life insurance policy recommendations. We may recommend a policy from Securian Life, or we may decide that another company’s policy is better suited to your specific situation.

Either way, you won’t find out who the best life insurance company is for you unless you call us and set up a free consultation. So why not do it? Give us a call today to see what we can do for you.

Thank you for reading our article, Securian Life Insurance Review. Please leave any questions or comments below.

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