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Insurance

There can be a lot to consider when shopping for life insurance. Cost and ease of application might sway your initial decision but does that make it the best choice?

best term life insurance companies

When it comes to life insurance, things seem so complicated that you may not feel like shopping around. Maybe you just take the policy your company offers, and call it a day. But here’s the deal. Employer life insurance coverage is not likely enough to cover your family’s actual needs. So you’ll probably need to shop around for additional life insurance coverage of your own.

And that brings us to today’s topic. What are the best life insurance companies? Before answering that question, let’s first look at factors you should consider when making your choice.

Key Factors in Picking the a Life Insurance Company

Again, though, it can be easy to just take the most obvious option. Just sign up for insurance with the first company that pops up in an online search. But here’s why that’s not a good idea:

  • Cost. By shopping around, you can ensure that you get the best possible coverage for the lowest possible monthly or annual premium. Even on small policies, costs can vary dramatically from one insurer to the next.
  • Ease of application. Some companies still have laborious applications processes. You may want, for personal reasons, to skip the medical exam. Or you may want to submit 90% of your paperwork online. Either way, going with one of the best term life insurance companies will help you get through the application process easier and more quickly.
  • Customer service. You may never need to call your life insurance company’s customer service line in your life. But if you pass away and your family needs to cash in the policy, will it be easy for them to do so? Checking out a company’s ratings and reviews can give you visibility into this important issue.
  • Financial rating. Even though all life insurance companies seem like large entities that aren’t going anywhere, that’s not necessarily the case. You want to buy a policy with a company whose financial rating virtually guarantees they’ll be able to pay out your claim when needed. As we’ll discuss below, A.M. Best is the company that rates life insurance companies.
  • Flexible options. If you just need a standard 20-year or 30-year term life insurance policy, this may not be important to you. But maybe you’re interested in additional riders, a very large or very small policy, or special terms like decreasing or increasing coverage. In this case, you’ll need to work with a company that lets you get outside the term life insurance box a bit.

With all that in mind, we’ve rated the best term life insurance companies. This will help you narrow down your list when you’re shopping for a policy. That way, you can cut down your shopping time while ensuring that you get the life insurance policy you need.

Our Picks for the Best Life Insurance Companies

So without further ado, here are the term life insurance companies we think best fit the criteria above.

Northwestern Mutual

Northwestern Mutual makes the cut because of its incredibly high financial rating and consistently good customer service ratings. A.M. Best gives it an A++ financial rating. And consumers consistently rate it well for customer service. What that means for you is that in the event of your death, your beneficiaries should be able to quickly and easily file your life insurance claim.

Northwestern’s customer service is good in part because it’s not completely automated. This, though, can make the application process a bit hairier. For instance, you can’t get a quote online or apply online.

However, this does mean that you won’t get an incorrect ballpark quote. The price you get when you apply with an agent in person or on the phone is what you’ll pay if you qualify.

Northwestern offers a good variety of policy types, including different term lengths. It also offers annually-renewable policies. If it turns out that you eventually need permanent life insurance, Northwestern is a good option. Its term policies are convertible to permanent life insurance.

State Farm Life Insurance

State Farm has a great customer satisfaction rating and a strong financial rating. But what really sets it apart is it robust online quote and application process. This tool walks you through every step of the process, including deciding how much coverage you actually need.

One of the strengths of this quote system, too, is that it gives you visibility into State Farm’s different life insurance policies. Once you put your information into the quote tool, you’ll be able to compare different policy lengths and types. You can also look at various riders, including a child life insurance rider or adding a second adult to your policy.

You can apply online after you get through the quote process and choose the life insurance product you want to purchase. You’ll still need to talk to an agent after your application goes through, but it does make the beginning part of the process simple.

MassMutual

This company actually operates a couple of subsidiaries, including Haven Life and ValoraLife. These two entities are set up specifically to move the life insurance application process online. Haven Life has consistently gotten excellent ratings since its launch, and it offers a user-friendly quote and application tool. Both Haven Life and ValoraLife offer medically underwritten life insurance, which can make your insurance cheaper if you’re in good health.

MassMutual also offers strong policies under its own name. You can get quotes directly from MassMutual online, as well, and then apply online.

MassMutual and its subsidiary companies offer a wide variety of term life insurance products. Between them, you can likely find the one that best fits your needs. Plus, they are rated A++ by A.M. Best and have high customer service ratings.

MassMutual sells life insurance online via HavenLife. One benefit is that many can qualify for life insurance without a medical exam.

Mutual of Omaha

This company underwrites policies by United of Omaha Life Insurance company. The company has an A+ financial rating from A.M Best. And they have generally good customer service ratings online.

One of the good things about Mutual of Omaha is that you can get a relatively small policy. Theirs start at $25,000. You can also get 10, 15,20, and 30 year terms. When you want a smaller policy–under $100,000–you can apply online. But if you need a bigger policy, you’ll need to connect with an agent by phone.

Mutual of Omaha has a nice online quote tool. And you can apply online, again, if you’re purchasing one of the smaller policies.

Which Should You Choose?

If you’re shopping around for a new term life insurance policy, I’d recommend getting quotes from at least two or three of the companies listed here. As long as you get a good price on a term policy that works for you, you really can’t go wrong with these companies.

With that said, if you want to be able to complete almost all the paperwork online, Haven Life through MassMutual is probably the place to start. They tend to have lower premiums than the other companies, and put most of the quote and application process online.

On the other hand, if you want to work with a longstanding company with excellent customer service ratings, consider State Farm. There’s a reason they’ve been rated highly for many years!

Really, though, you should be shopping around with at least a handful of life insurance companies before settling on the one that offers the policy you want to purchase.

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Universal life insurance has both advantages and disadvantages. We cover both the pros and cons to help you decide whether universal life is best for you.

universal life insurance pros and cons

Every once in awhile, I will receive financial questions from readers. Now, I am not a financial adviser. I usually suggest those needing significant assistance with their financial decisions to seek the advice of a professional. However, I don’t mind answering general questions that might be helpful for a wider audience. I also solicit help from the site’s other writers who may have more knowledge than I on a particular subject.

Today’s question focuses on a topic that I don’t usually cover: life insurance. Specifically, they wanted to talk about universal life insurance, which is a bit of a controversial topic in personal finance circles.

Here’s the question a reader sent in:

I recently read a book called Tax-Free Retirement by Patrick Kelly. In it, the author was selling the idea of buying Universal Life Insurance as a way to build your retirement fund. I’ve been doing research on Universal Life Insurance (pros and cons). What are your thoughts on Universal Life Insurance, and is it something you recommend people buy?

What is Life Insurance?

Let’s take a moment to talk about the many aspects of life insurance in general. Then, I will circle back to address the specific question about universal policies and retirement funds.

So, there are three primary parties when it comes to insurance: the insured, the beneficiaries, and the insurer. Life insurance policies are offered by the insurer to protect the income and earning potential of the insured.

If the insured passes away, the beneficiaries — who relied on the income of the insured to some degree — can continue with a comparable quality of life. This may be in the form of receiving regular income (through a trust) or even getting a lump sum payment.

For example, the head of a household (or all income earners in a family) may buy life insurance in order to protect the needs of their children. This coverage could ensure that the children have their everyday needs met, as well as provide for future education expenses, healthcare, and the like.

Life insurance benefits could also help pay for funeral costs, medical bills, and any outstanding debts (such as a mortgage or joint credit card debts) that the insured may leave behind.

Types of Life Insurance

Term Life Insurance

Life insurance comes in several flavors. The most common, and the most basic, is term life insurance.

This is a typical insurance policy, where coverage is based on a set number of years. During that period, the insured will pay premiums and be protected. However, at the end of the term, the protection ends.

While term life insurance gives you the most bang for your buck, the nature of it means that someone could essentially pay into a policy for several decades without a return. If that insured individual continues to live and stay healthy, he or she will never receive any benefit from their term policy, other than peace of mind.

At the end of a policy term, insurers typically offer an option to renew the policy. However, depending on your age and any health changes, your premiums are likely to go up with renewal. This is why term life insurance is more ideal for younger, healthier adults, when their risk of death is lower.

Related: How Much Life Insurance Do You Need?

Of course, the idea of paying into a policy for years without receiving any benefit didn’t sit well with many. So, insurers eventually came up with different types of policies.

Permanent Life Insurance

These alternatives are often called permanent life insurance policies, and there are several different plans designed to suit a customer’s needs. Universal life insurance is one form of permanent life insurance. Whole life insurance is another.

These non-term policies usually include a savings or investment component in order to help insurers mitigate some risk. That’s because, in these permanent policy scenarios, the chance of paying out benefits is closer to 100 percent. This component can make them a very tempting choice when shopping for life insurance, but let’s take a deeper look before you make any decisions.

What Is Universal Life Insurance?

Universal life insurance is a type of permanent policy that can provide coverage for the remainder of your life. You won’t have to worry about renewing the policy every five, 10, or 20 years, as with term insurance. However, if you want to cancel at any time, you’ll actually have the opportunity to cash out on some of the money that you paid into the policy.

These policies often cost considerably more than term policies of the same coverage amount, but provide some flexibility in the premium payments over time.

Premiums, in case you don’t know, are the amount of money that the insured pays to the insurer for the coverage, usually on a monthly basis. The unique thing about permanent life coverage, though, is that a portion of these monthly payments also goes toward funding each policy’s savings component.

The savings component is the cash value portion of the insurance policy. It’s basically a savings account from which the insured can withdraw or borrow money over time. They can even use it to reduce or skip their policy premiums when needed. The younger and healthier you are, the more money is placed in this account; as you age or as your health deteriorates, a smaller percentage of your monthly premium will go toward building this cash value.

Because of this benefit, the premiums are much higher. Sometimes, the difference in premium is a factor of ten. So, is the savings portion worth ten times more than a basic insurance policy on its own?

The Pros of Universal Policies

There are a number of reasons that universal life insurance policies are so appealing.

First off is that whole savings component. At its foundation, it’s much more ideal to buy life insurance that actually holds some value. If you decide you don’t want the policy 15 years from now, you’ll simply* be able to cash out.

*I say simply, but the ease of this policy cancellation varies. We’ll discuss this in the cons section, next.

You also have a potential nest egg built up after all of those years, which could be seen as a forced retirement savings vehicle (if you’re the type of person who needs that sort of thing).

You’ve been paying premiums and your money has been earning interest for years. If you live to a ripe old age, you have a nice chunk of change saved up, which you can either leave alone or borrow from when needed. If you don’t, your beneficiaries receive their payout, without you having to worry about renewing term policies over the years.

Another interesting benefit of universal life insurance is that the insured can use interest earned on the savings component to help pay the monthly premiums. If you get in a financial bind or want to allocate your money elsewhere for a few months, you usually can (depending on the cash value and interest earned on your policy).

One of the biggest perks of a permanent policy, though, is simply avoiding the issue of renewing term policies or shopping around for rates every few years. You can stick with one policy throughout the decades, and have one less thing to worry about. This is particularly great if you already know that you’ll need lifelong coverage in order to provide for a dependent, such as if you have a special needs child or a disabled spouse.

There are quite a few downsides, though.

The Cons of Universal Life Insurance

High Fees

While the savings component of a universal policy sounds great in theory, it may not be so wonderful.

Compared to the returns earned by your universal policy premiums, you may be shortchanging yourself. You may easily be able to generate your own returns in savings or investments that are significantly better than the returns you’d receive through your policy. You’ll also have much more flexibility with your own investments and can make your own decisions. You don’t have any say where your policy’s cash value savings are invested.

To further that note, you’ll also likely pay much higher fees for managing the investments of your universal life insurance policy. With other retirement accounts, such as 401Ks, you can find investment fees as low as half a percent or lower. Universal life policies, however, often have fees as high as 3%. This can make a significant difference in the overall growth of the savings.

Cancellation Fees

Another downside is that when you withdraw or borrow money from a universal life insurance policy,  it reduces the amount that your beneficiaries would receive if you died before repaying the loan. This alone is often enough to steer people away from this type of coverage.

If you buy into a policy and then change your mind later, you can cancel. However, cancellation isn’t easy, and can wind up costing you a pretty penny depending on how long you’ve held the policy. Be sure to read the fine print to see how much of your cash value you will forfeit if you cancel the policy in the first 3 years, 5 years, 10 years, and so on.

Mediocre Returns

Now, to what I consider to be the biggest downside of them all. Remember how we talked about universal policies being for life, versus a shorter “term” length? Well, there’s a very important caveat that could land you in some serious hot water, if you’re not careful.

Yes, universal life insurance policies can last you the rest of your life. However, this depends on the returns of those invested savings and the actual cost of your death benefits, according to your health changes over time.

As mentioned, a portion of your premiums each month goes toward your actual “life insurance coverage.” Let’s say that you’re a 25 year-old in great health paying $100 a month. Twenty dollars of that might be going toward the insurance company’s actual cost for providing life insurance for you. The remaining $80 is going into your cash value savings.

However, as you age, that number will change. When you turn 60, that split might be closer to $70 for benefits and $30 going into savings. When you hit 75, you may be in deteriorating health and those investments might not have panned out as well as the insurance company had hoped; in turn, the company may require more than $100 a month for your coverage, even though that’s your premium amount.

To make up for the deficit, the insurance company can (and will) dip into those cash value savings. If it goes unnoticed, you could realistically check on your account one day — you know, the one you counted on to be your big nest egg and provide life insurance benefits for your family upon your death — only to find it dwindled away to nothing. Decades of savings and “guaranteed” benefits, gone.

Unnecessary for Most

One final note. Most individuals do not need permanent life insurance. A retiree who has little or no earned income, for example, often has no need of life insurance. One exception, however, are families caring for disabled adult children. But again, for most families, life insurance is unnecessary after the kids have left home and retirement is at hand.

Should a Universal Life Policy Build Your Retirement Fund?

This is a tricky decision and has a lot of drawbacks. But the savings component can still make this a tempting option for many.

There are three major drawbacks to this approach that you should keep in mind before buying into a policy. Because of these reasons, I would not use a life insurance policy of any type to increase my planned income during retirement.

  1. Any retirement income you need and withdraw reduces the value of the benefits your heirs will receive, as mentioned above.
  2. You can get better investment options by opening an IRA at a discount brokerage.
  3. You’ll be paying much more for less potential performance than other retirement options. Even a 401(k) could cost much less.

If you’re a savvy saver and investor, you may want to leave your investments separate from your life insurance policy and opt for term life insurance. If you appreciate consolidating your savings with your insurance policy and are not concerned with a significantly higher cost, it might make sense to opt for this type of coverage.

For readers: Do you have a universal life insurance policy and are you happy with the insurer so far? Have you had any experiences collecting benefits from a policy?

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So you’re looking for information on term life insurance? You’ve come to the right place! Here’s your quick and not-so-dirty guide to term life insurance: what it is, how it works, why you need it, how much it costs, and how to buy it.

term life insurance

What is Term Life Insurance?

Term life insurance is a little like car insurance. You pay for car insurance every month, but it only kicks in if your car gets damaged for an insurable reason.

In the case of term life insurance, though, the insurable event is, unfortunately, your own demise. Term insurance policies will provide your beneficiaries (read: whoever you name to receive the funds) with money upon your death.

How Does it Work?

Term life insurance policies have a few components, which we’ll define here quickly:

  • Premium: This is how much the policy costs, usually stated either on a monthly or an annual basis.
  • Term: This is the length of time for which you’re insured. As long as you continue to pay the premium, you’re guaranteed coverage through your term. Typical terms are between 10 and 30 years.
  • Death Benefit: This is how much money your beneficiaries will get if you pass away from insurable causes during the term. Typically, benefits start at around $10,000, but they can go well into the millions.

So here’s how all of these work together. When you purchase a term life insurance policy, you choose your death benefit and your term. The insurance company sets your premium–based on these two numbers plus a variety of factors that tell them how risky you are to insure.

You pay your premium monthly or annually. If you’re still alive when the term is up, the insurance company keeps their money. But you’re still alive, so, yay! If you die during the term, that stinks. But your beneficiaries get the death benefit from the insurance company.

It’s as simple as that.

Because it’s so simple, we call term life insurance a “pure” insurance product. As opposed to whole or universal life insurance which includes an investment portion, making it a lot more complicated.

Term life insurance is just that: insurance. It’s like car insurance or homeowners insurance. You have it because you might need it. But you hope you never have to use it.

Why Do You Need It?

Most adults need some form of life insurance coverage. Here are some reasons you might need it:

  • Your estate or loved ones will have to pay off debts if you pass away.
  • You have dependent children you’d want to care for financially in the event of your death.
  • Your roommate or live-in partner would be stuck with your half of the household expenses.
  • You have elderly parents or a disabled sibling counting on you for financial support.
  • You just don’t want to stick your family with your funeral and other end-of-life expenses.

In short, there are lots of reasons you might need term life insurance. And there are lots of ways to calculate how much coverage you need. We’re not tackling that long-winded issue here, though. You can check it out in this article.

How Much Does It Cost?

Here’s the good news: for healthy people, term life insurance is pretty cheap. You can get $100,000 of coverage for just a few bucks a month.

With that said, your mileage may vary. The younger and healthier you are (read: the less likely to die during your chosen term), the cheaper the insurance will be. But compared with other life insurance products, term will nearly always be the cheaper option.

How Do You Get It?

Luckily, purchasing term life insurance is easy. Plenty of online platforms will now give you a quote based on some basic information. Two of our favorites are Haven Life and Policy Genius.

  1. Haven Life underwrites it’s own life insurance policies (through Mass Mutual) and I know this is where a few coworkers obtained their term life insurance policies.
  2. Policy Genius is an online quote engine for term life insurance and contains most major underwriters.

You may, however, need to undergo a basic medical examination before the policy can be completed. This usually includes a nurse coming to your house to weigh you, check your blood pressure, and possibly take a blood and/or urine sample.

The insurance company is just looking for any health factors that may make you more likely to die during the term–and thus more expensive to insure.

So that’s it! This was just a quick guide to term life insurance, though. If you need more information, check out these articles:

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Not everybody needs life insurance. For others, it’s a critical part of financial security. Here’s how to determine if you need life insurance.

It’s no secret that insurance companies make money primarily by not providing benefits to their customers. This is why insurance gets expensive if you’re risky to insure. The more likely an insurer is to pay you for a claim, the more you’ll pay up front in premiums.

That’s just the way business works in the world of insurance.

With that said, this is no reason to avoid insurance altogether. Yes, you may pay for car insurance you never use. But you’ll be mighty glad to have it if you get into an accident. On the other hand, if you don’t drive or own a car, paying for car insurance would be silly. Even if you’re riding with someone else in their car, you don’t need to own car insurance.

So, really, the key to making insurance work for you is to know what you need and when you need it.

This brings us to the topic of life insurance. With other types of insurance, it’s normally easy to tell whether or not you need coverage. Drive a car? Get car insurance. Own a home? You need homeowners insurance. Life in a major flood plane? Flood insurance is a must.

But just because you happen to be alive doesn’t actually mean you need life insurance.

To determine whether or not you need life insurance, you first need to understand what it’s for. Then, you can figure out whether or not you need it.

What is Life Insurance for, Anyway?

Life insurance can be tougher to wrap your head around because the event you’re insuring against is your own death. That’s not something we like to think about on the best days. So life insurance can seem a little morbid.

The key here is to understand what your life insurance policy is actually for. Hint: It’s not for you!

Any other type of insurance you purchase is primarily to protect yourself. But life insurance doesn’t protect you at all. After all, to cash in a life insurance policy, you have to have passed away.

Life insurance is primarily meant to protect those you leave behind. This is often a family that includes minor children. But it could also mean your parents, your husband or wife, a close friend, or even your dog. (Though I wouldn’t necessarily recommend getting a life insurance policy with only your pooch in mind.)

When you die, you’ll leave behind people who will, at a minimum, have to tie up the loose ends of your estate. That’s just a fancy word for your possessions, accounts, and remaining debts. Even if you aren’t rich, you have an estate, and someone will have to deal with it when you pass away.

This usually means planning and paying for a funeral and burial costs. It may also mean settling your debts, selling what’s left over, or passing possessions to others, as your will specifies.

Bottom line: settling an estate can get expensive if you aren’t prepared. And you don’t want to put those costs on your loved ones.

Beyond just settling your estate, of course, there’s the idea of providing for those who depend on you. If your family depends on your income each month, you need to be able to replace that for them for a while. Most of the time, you want that income replacement to last at least until your children are self-supporting. And you may decide to cover additional costs, such as college funds.

So Who Needs Life Insurance?

Now you know what the purpose of life insurance is. But do you actually need it?

Well, if someone–whether a child, spouse, parent, or anyone else–currently depends on you for income, you definitely need life insurance. You’ll need coverage that lasts until:

  1. That person (or those people) don’t depend on you any more for income, or
  2. You have enough money saved to cover their needs should you pass away.

What if no one directly depends on your income? In this case, you may need life insurance. You’ll need some coverage if:

  1. You don’t have enough money in savings to cover end-of-life costs, or
  2. You have debts that would be difficult or impossible to settle out of the proceeds of your estate.

If B applies to you, life insurance is even more important if someone else is a cosigner on your debts.

For instance, what if your parents have cosigned a private student loan? Some lenders have the contractual option to call the full loan balance due as soon as either cosigner passes away. So your cosigner could have to deal with not only your death, but also this loan balance that is now suddenly due in full.

For this reason, it’s a good idea to maintain enough life insurance coverage to cover your potential end-of-life costs as well as any outstanding debts. This just makes life easier for those who are left to pick up the pieces should you pass away.

How Much Life Insurance?

How much life insurance you need depend largely on you reason for buying such insurance. We won’t go in-depth about how to make this calculation here. For more on that, check out this article.

For now, we’ll just break down the “how much” into two categories, based on our scenarios above.

In the first scenario, you’re getting a life insurance policy because someone depends on your income. In this case, you’ll need enough coverage to provide your beneficiary with the same amount of money for a certain length of time. You may want to provide the income for ten years, until they’ve graduated college, or some other length of time.

The amount of time will depend on your situation and on how big a life insurance policy you can afford. Remember, you can always layer policies, as well. If you can’t afford a $1 million policy today, maybe you can start with a $250,000 policy. As your financial situation improves, you can continue to increase your coverage or add additional policies to reach your target amount.

What about in the second scenario? Here, with no one dependent on your income, you can likely get away with much less coverage. That means your policy could be incredibly cheap on a monthly basis.

If your goal is to use the policy just to cover your end-of-life expenses and outstanding debts, total up your debts and add $5,000 to $10,000 to cover end-of-life expenses. You may also opt for a shorter term, so that your coverage ends when you’re debt-free and have money in savings.

As I said above, determining whether or not you need life insurance can sometimes be tricky. But most people would benefit from at least minimal coverage at some points in their lives. And the good thing is that for most people, a decent term life insurance policy will only cost a few bucks a month!

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Geico Auto Insurance Review

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Traveling to another state, or even to a foreign country, means experiencing a new culture, meeting new people, and making memories that can last a lifetime. It can also mean visiting a hospital in a place where you don’t have any type of medical coverage or being stranded at an airport without your luggage. This […]

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How the New AHCA Bill Will Affect Your Healthcare

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Yesterday, the U.S. House of Representatives narrowly passed the American Health Care Act (or as many are calling it, “Trumpcare”) by a vote of 217 to 213. Initially, it was determined by Republican House leadership that the bill was not strong enough to pass a vote. The discussion appeared to be tabled indefinitely. However, after […]

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Former President Barack Obama signed an order into law back in March 2010, which later became known as Obamacare. He did so with the hope that it would revolutionize the way Americans handled their healthcare.  However, if Obamacare was to ever survive, it required a large number of healthy individuals to sign-up for healthcare. To […]

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