Preparation is an important part counsel being given by most of the
financial experts in meeting the pitfalls in life, unexpected
situations, and especially in time of emergencies. Although, there are
natural calamities that cannot be controlled by anyone, but we can
prevent the effects of it. One of the sudden, and cannot be avoided
situations in life is death. Everyone would pass through it. All of us
have time table, yet, we don’t know the time where we could say, it’s
over. This is the purpose of Life Insurance; it would assure the family
that you would leave especially if you are the head of household. On
this list, we would know the best life insurance companies of America that would save you in your future financial crisis.
Best Life Insurance Companies
10. Principal Financial
This is formed in 1879 in Des Moines, Iowa. They provide insurance
for businesses, and individuals. They are known for their quality
service that they are extending to their clients. They offer dental,
disability, vision, and life insurance. They have served more than 19
million clients already.
9. Northwestern Mutual
Their insurance policies have associated add-ons such as Guaranteed
Minimum Cash Value, Guaranteed Death Benefit and others for the
protection of their customers. In fact, they received the highest
financial strength ratings, and it is one of the largest direct life
insurance providers found in America.
8. AFLAC
Its acronym stands as American Family Life Assurance Company. It was
founded in 1955, wherein they were noted for the supplemental type of
insurance that they have been providing including accident, and health
insurance. They are not just known in America, but have offices located
in Virgin Islands, Puerto Rico, and Guam.
7. Genworth Financial
It has been consistent in being part of the 10 best life insurance companies in America.
It has served more than 16 million customers among the 50 states in
America, where they have been operating. They are mainly headquartering
in Richmond.
6. Lincoln National
It is actually known as a holding company and they have been offering
Linked Benefit Life, Term Life, and Variable Universal Life. They are
good in providing professional advices in financial aspect. They are
after long-term needs of their clients, wherein majority of the products
are created for that purpose. This is the reason that they are always
part of this list.
5. Massachusetts Mutual Life Insurance
It is also known as the MassMutual Financial Group which is actually
their marketing name that currently headquartering in Springfield. They
provide term-life insurance, retirement plan services, disability income
insurance, and long-term care insurance. They have served more than 12
million customers globally.
4. TIAA-CREF
They offer life insurance which is actually part of the renewable
term plans that they have for their clients. They have term, and
permanent insurances wherein each has two types. They are number one
when it comes to sale ranking.
3. New York Life Insurance
They have contributed, and still contributing to the overall strength
of insurance in America. They have made adjustments when it comes to
their offers to their clients in order to meet their needs. They have
four type of life insurance, and these are permanent life insurance,
term insurance, survivorship insurance, and life insurance. Aside from
the fact, that they are the oldest insurance on this 10 best life insurance companies of America in 2012 but they have received as well a Triple AAA rating by leading agencies.
2. Prudential Financial
They are offering five categories of life insurance policies under
their Prudential Insurance Company America, and these are Survivorship
Life Insurance, Term Life Insurance, Universal Life Insurance, Variable
Life Insurance, and Whole Life Insurance. They have also acquired last
year the AIG Edison Life Insurance Company, and AIG Star Life Insurance.
1. MetLife
It is known to be the largest, and the biggest insurance companies
not just in the United States but even in Mexico. It was formed in 1868,
and has served more than 100 million clients across the globe. They are
providing term life insurance in three categories. They also offer
permanent life insurance, and retirement & saving policy. They are
not just leading in America but leader as well in Asia, Europe, and
Latin America.
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