How Life Insurance Payouts Work

Life insurance payouts (also known as death benefits) are funds paid to your loved ones if you die while your life insurance policy is in force. Your beneficiaries must file a claim and provide a death certificate to the insurer, who will then review the information and issue benefits if everything is in order. While [...] Continue Reading

What Is Life Insurance and How Does It Work?

At its core, investing in life insurance is an act of love. Doing so helps ensure your death doesn't bring a financial loss on top of the emotional loss. People who buy life insurance want to take care of their loved ones even in the worst-case scenario. When you’re ready to shop for life insurance, [...] Continue Reading

Best Life Insurance Rates by Age: Term, Permanent and No Exam

Lots of people put off getting life insurance due to cost but protecting your assets doesn’t have to turn your pockets out. Two-thirds of Americans overestimate life insurance rates by hundreds of dollars or more. Since nearly as many (64%) cite finances as the reason they don’t have coverage,1 we think it’s time to bust [...] Continue Reading

TIAA Life Insurance Company Review

In a market dominated by life insurance Goliaths, nearly flawless financial ratings and claims history make TIAA coverage stronger than it looks. A++ (from A.M. Best) Term Universal Variable Survivorship No exam Compare Quotes TIAA is a financial services organization that was established over 100 years ago to provide teachers with financial products and services [...] Continue Reading

Assurity Life Insurance Review: Policies and Ratings

This stable mutual company is a B Corp with all the basic policies most people want. Assurity is a mutual insurance company that sells several types of life insurance, as well as disability, accidental death, critical illness, and annuities. This insurer is a stable, long-standing company that’s achieved accolades for its sustainable and socially conscious [...] Continue Reading

Mutual of Omaha Life Insurance Review 2020

We didn’t pick this insurer as Best Overall for its charming smile—Mutual of Omaha has it going on. 4.6/5 (Star Rating) Products Term Universal Whole AD&D Group Get a Quote Mutual of Omaha is a mutual company, meaning that each policyholder owns a small part of the company. This company owns a large subsidiary called [...] Continue Reading

Best Life Insurance Companies

We evaluated the top life insurance companies in the country so you can find the right fit for your situation. Everyone starts the life insurance journey in a different place. One person needs a policy that is a good choice when starting a family or buying a home. Another is older and wants to cover [...] Continue Reading

AIG Life Insurance Review 2020

AIG offers more options than many insurers, but has received a lot of claims complaints. A (from A.M. Best) Term Guaranteed issue whole Universal Variable universal AD&D Continue Reading

Everything You Need To Know About The Life Insurance Medical Exam

A life insurance medical exam is often part of the process of applying for life insurance. A paramedical professional will draw blood to test for specific health conditions, drug and alcohol use, and overall health indicators. They will also review your medical history, obtain basic health information, and take a urine sample. The results of [...] Continue Reading

Prudential Life Insurance Review

This trustworthy insurer offers an entire menu of term and universal options, but you won’t find whole life insurance here. 4.3/5 (Star Rating) Term Universal Variable Survivorship Get a quote Prudential Financial is a financial services company serving the nation. The company offers retirement planning, investment products, workplace benefits, and, of course, life insurance through [...] Continue Reading