Monday, September 14, 2015

INSURANCE'S LIFE COMPANIES

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Insurance 's life Companies I'm going to talk about some of the best life insurance companies out there, why I like them, and how you can compare rates among all those companies coming up.If you're looking for life insurance, you might be trying to figure out which is the best life insurance company out there for me? Who should I gowith? Maybe somebody recommended a company to you and you don't know if they're just recommending that company because they work for the company or are they really the best life insurance company for you? At Choose Term. com,we are independent life insurance agents. 

What does that mean? It means that we work with over 30 life insurance companies and we're not biased.  Wejust work with the best life insurance companies out there. Which ones are some that we like? Let's start off with Banner LifeInsurance.  Banner Life Insurance is a company that's been around since1949.  They have an A+ rating and they just have excellent life insurancerates.  We like Banner Life.  We also like them for some preexistingconditions.  For example, if you have diabetes, Banner Life might be a goodchoice for you. American General Life Insurance is another company that we like.  AmericanGeneral been around over 160 years.  They have 13 million customers, andthey're an excellent life insurance company.  We like them also because oftheir excellent rates and they also may be good for certain preexistinghealth conditions. We like Transamerica; Transamerica is an A+ rated company.  They're one ofthe few companies that offers term life under $100,000.  You can get a term life policy or a permanent universal life policy with Transamerica for as little as $25,000 in coverage.  Most life insurance companies out therestart at $100,000 or more.  We like Transamerica.  Transamerica also offersno medical exam life insurance so it's another great option if you'relooking to avoid the whole medical exam part of getting life insurance,Transamerica might be a good choice for you. Prudential, another solid company; A+ rated company, been around many, manyyears.  You've probably heard of Prudential.  Prudential's an excellentcompany.  They're really good for certain things.  They do have competitiverates.  They are also good, for example, if you use chewing tobacco but youdon't smoke cigarettes.  Prudential's probably the only company that willoffer you non-smoker rates.  Also, if you use something like a nicotinepatch, they'll offer you non-smoker rates.  They're particularly good forthis.  Prudential also offers life insurance to active military.  Even if youhave deployment papers, Prudential will still insure you.  The only caveatis you have to sign the application in the US.  Prudential's also good forcertain preexisting health conditions. We like MetLife.  MetLife also, sometimes, they have competitive rates forhigher dollar amounts.  When you're talking about $500,000, $1 millionpolicies, MetLife can be more competitive there, that's typically when weuse them.  They also insure active military personnel, so they can be a goodchoice for that, as well. We like Protective Life, a company that you may not have heard of, butthey're another A+ rated company with just solid, excellent rates.  Whenthey come up and they have the best rates, we like to go with ProtectiveLife Insurance. Another company like we like to work with is ING.  ING is particularly goodin a couple different situations, but ING and both Banner Life do notdiscriminate for family history of cancers.  What does that mean? It meansthat a lot of life insurance companies will give you a lower health rating,and in turn, a higher price for insurance if one of your parents has hadcancer.  ING and Banner Life both don't do that.  ING is also an excellentcompany if you're a scuba diver.  ING allows you to have unlimited dives peryear up to 100 feet, without charging you additional money for lifeinsurance.  When it comes to scuba diving, ING can be a good choice. Going back to American General, they can be a great choice when it comes tocigar smoking.  If you smoke a cigar, you can still get non-smoker rateswith American General, even if you smoke up to one cigar per week. We work with a lot of life insurance companies, and the benefit of workingwith independent agents like ChooseTerm. com is that we know which companiesare going to offer you the best rates in certain situations, especially ifyou do smoke or have a preexisting health condition.  You want to make surethat you're working with the best company for you.  It doesn't mean thatanother life insurance company won't cover you, but they may not offer youthe best rates.  What we do is find out what your specific situation is andthen we match you up with the best possible life insurance company for youspecifically. These are just some of the life insurance companies we like.  We also do nomedical exam life insurance.  We work with ANICO (American NationalInsurance Company).  We work with Fidelity Life.  We work with Transamerica. There's several companies that offer no medical exam; Assurity Life.  Wefind out what you're looking for, we help you figure out what the bestoptions are for you, and then we match you up with the right company,helping you find the best life insurance company for you. There really isn't one best life insurance company specifically foreverybody.  The best life insurance company is the one that's going to offeryou the best rates, that's a high-quality company at the best prices withthe best type of coverage.  We work with you to figure out which companythat is and how we can help you save money on life insurance. If you're watching this on YouTube, click the link below, go to ourwebsite.  You can compare life insurance rates right on our website.  You cancontact us; you can call us 800-574-0245, extension 101.  If you're on ourwebsite, there's a quote form below this video.  Compare rates, contact us,call us, and we can help you save money on life insurance. My name is Liran Hirschkorn, and I look forward to speaking with you.  Thank you.


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