The best life insurance company is the one that is going to give you the best policy for the best price with the least amount of risk. i.e. the one that will actually be there to pay out when you need it.
If you are shopping for life insurance, then you should start your search by finding all of the available options in your state. I like using www.sidebysidequotes.com for instant life insurance price policy comparison, and then you can determine which one has the best features and benefits for your sitation.
I can't stress this part enough, I continually run prices for myself and for clients, and a 20 year $1 million term plan for a health 40 yr old male individual has prices that will range from $50 to $95/month, for the exact same plan!
Every week, I have clients that come in and ask to take advantage of my free 2nd opinion life insurance service and we find that their existing policies are mispriced by tens of thousands of dollars. In the above example, saving $50/month on the exact same life insurance policy can save you $50,000 over 20 years!
So the best life insurance company is one that you have thoroughly researched with a fee-only fiduciary financial advisor to determine the exact coverage that you'll need to meet your personal needs at the best possible price.
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