Corebridge Financial is the new name for AIG’s life insurance division, which became an independent company in September 2022. Your coverage remains unchanged if you
GPM final expense insurance offers three plan types: Level Death Benefit (immediate full coverage), Graded Death Benefit (gradual benefit increase), and Modified Benefit (return of
Senior Life Insurance Company offers no-medical-exam life insurance for ages 0 to 85, with whole life policies and 20-year term life policies providing coverage up
Colonial Penn and Globe Life are both TV-advertised life insurance options for seniors, but they work very differently. Colonial Penn offers guaranteed acceptance whole life
Colonial Penn is best for seniors aged 50-85 who need guaranteed acceptance coverage without health questions. Gerber Life works better for families wanting child coverage
Great Western discontinued its final expense life insurance in June 2024. Colonial Penn still offers guaranteed acceptance coverage for ages 50-85, but most seniors pay
Life insurance protects your retirement savings by providing a tax-free death benefit that replaces lost income and covers final expenses. This prevents your surviving spouse
A prepaid funeral plan lets you pay for your funeral services in advance, often at today’s prices. These plans typically cover casket, embalming, funeral home
At age 70, Colonial Penn’s $9.95 plan buys only $1,000 in coverage per unit. Most seniors need $10,000 for funeral expenses, requiring 10 units at
Planning your own funeral means making decisions about your service type, burial or cremation preferences, costs, and final wishes before you pass away. This removes
Cremation costs in the U.S. typically range from $1,000 to $7,000 depending on service type and location. Direct cremation (without a ceremony) averages $1,000 to
In 2026, the average funeral cost in the United States ranges from $7,000 to $12,000 for a traditional burial, while cremation services typically cost between
Yes, smokers can get affordable life insurance, though premiums are typically 100-200% higher than non-smokers due to increased health risks. Some insurers offer better rates
Colonial Penn life insurance isn’t worth it for most people. While you’re guaranteed acceptance regardless of health, you’ll pay significantly more for less coverage compared
Royal Neighbors of America offers Ensured Legacy Final Expense insurance for adults ages 50-85. Coverage ranges from $3,000 to $40,000 depending on the plan type.
A $750,000 term life insurance policy provides temporary coverage for a specific period (typically 10-30 years) at an affordable price. Most healthy non-smoking 30-year-olds pay
A $500,000 term life insurance policy costs between $25 and $80 per month for most healthy adults. A 30-year-old non-smoker typically pays around $25-$30 monthly
A $250,000 term life insurance policy typically costs between $15 and $50 per month for healthy adults in their 30s and 40s. Your exact rate
Bestow Life Insurance was sold to Sammons Financial Group in 2024 and renamed Lantern Insurance Company. Existing Bestow policies remain valid and are backed by
Zander Insurance is an independent life insurance agency founded in 1925 that offers term life policies through multiple A-rated carriers like Protective, Banner Life, and
Assurity Life Insurance is a Nebraska-based mutual company with an A- (Excellent) AM Best rating. Founded in 1890, they offer term life and final expense
Foresters Financial is a fraternal life insurance company with over 150 years of history and an A (Excellent) AM Best rating held for 25 consecutive
A long-term care rider lets you access part of your life insurance death benefit to pay for care if you can’t perform daily activities like
To choose the right life insurance, start by identifying your goal: income replacement, debt payoff, or covering final expenses. Term life insurance works best for
Penn Mutual is a mutual life insurance company founded in 1847 with $64 billion in assets and a record $300 million dividend payout announced for
Country Financial life insurance is rated A+ (Superior) by AM Best with over 90 consecutive years in the highest rating category. Forbes named them the
Pacific Life is a highly-rated insurance company founded in 1868 with A+ ratings from A.M. Best and the BBB. They offer PL Promise Term life
National Western Life Insurance Company (NWL) is an A-rated life insurance carrier founded in 1956 and now owned by Prosperity Life Group. The company specializes
Auto-Owners Life Insurance is a regional carrier offering term, universal, and whole life policies in 26 states. The company earns strong financial ratings (A+ from
Ethos Life Insurance is a digital insurance platform that connects customers with policies from top-rated carriers like Legal & General America, Protective, Trustage, Ameritas and
Lincoln National Life Insurance Company (operating as Lincoln Financial Group) ranks as America’s fifth-largest life insurer with A/A+ financial ratings and $347 billion in assets.
Fabric by Gerber Life offers affordable term life insurance designed for busy parents. You can apply online in about 10 minutes and get up to
Phoenix Life Insurance, now operating as Nassau Life Insurance Company, holds a B++ (Good) AM Best rating as of February 2025. The company offers no-exam
Lincoln Heritage Funeral Advantage is a final expense life insurance policy offering up to $35,000 in coverage with no medical exam required. The company holds
Costco life insurance is underwritten by Protective Life and offers term life coverage with reduced member premiums for the first five years. You can choose
SelectQuote is a legitimate insurance brokerage founded in 1985 and publicly traded on the NYSE (SLQT). It’s not an insurance company itself but an independent
Life insurance for children provides guaranteed future insurability and builds cash value, but it’s not essential for most families. The best options include Mutual of
American Amicable Life Insurance Company of Texas, founded in 1910 and now part of iA Financial Group, is rated A (Excellent) by AM Best. The
Mutual Trust Life Insurance Company, now operating as Mutual Trust Life Solutions under Pan-American Life Insurance Group, holds an A.M. Best “A” (Excellent) rating and
Vantis Life Insurance Company stopped accepting new policy applications in late 2022. The company remains in operation to service existing policyholders, with continued backing from
Yes, adult children can buy final expense insurance for elderly parents to cover funeral costs, typically $5,000-$50,000 in coverage. You’ll need to prove insurable interest
Aflac is a Fortune 500 company best known for supplemental health insurance, but it also offers term, whole, and juvenile life insurance. Most Aflac life
TruStage is a legitimate life insurance brand backed by CMFG Life Insurance Company, which holds an A (Excellent) rating from AM Best. TruStage offers term,
Life insurance is a contract between you and an insurance company. You pay a premium, and in return, the company pays a death benefit to
Brighthouse Financial is an independent life insurance and annuity company that separated from MetLife in 2017. They offer term life insurance, indexed universal life insurance,
Smokers can get no exam life insurance through simplified issue or guaranteed issue policies. Simplified issue offers up to $500,000 in coverage with a health
Ladder Life Insurance offers term life policies from $100,000 to $8 million with no medical exam required for coverage up to $3 million. The company
Haven Life stopped accepting new life insurance applications on January 12, 2024, and closed completely by March 31, 2024. If you have an existing Haven
A disability waiver of premium rider keeps your life insurance policy active if you become disabled and can’t work. Your insurance company pays the premiums
Yes, you can get life insurance with HIV. Major carriers including Prudential, Pacific Life, John Hancock, and Guardian now offer coverage to HIV-positive applicants who
Life insurance and estate planning work together to protect your family’s financial future. A life insurance policy provides immediate cash at your death to cover
Anyone whose death would create financial hardship for someone else needs life insurance. This includes parents, spouses with shared debt, business owners, and anyone whose
It’s never too early to start thinking about life insurance coverage. With an effective life insurance policy in place, you can rest easy knowing your
New York Life is the largest mutual life insurance company in the United States, with the highest financial strength ratings from all four major rating
Life insurance premiums are based on your age, health, gender, lifestyle, occupation, and how much coverage you need. Younger, healthier applicants pay less because they’re
Yes, individuals with diabetes can obtain affordable life insurance. The key factors insurance companies evaluate include your A1C levels, your ability to manage your blood
Yes, you can get life insurance with heart disease. Most people with heart conditions qualify for coverage; however, your options and rates depend on your
Life insurance is a contract where you pay regular premiums to an insurance company, and in return, they pay a death benefit to your beneficiaries
Your 30s are the ideal time to buy life insurance. You’re young enough to lock in low rates, but old enough to have real financial
GEICO doesn’t sell, underwrite, or service life insurance policies. When you click “Life Insurance” on GEICO’s website, you’re redirected to third-party brokerages like Life Quotes
Cheap term life insurance starts at around $15-25 per month for healthy 30-year-olds seeking $500,000 in coverage. Term life is the most affordable type because
The best life insurance companies of 2025 include Corebridge for flexible term options, Banner for low-cost policies, and Pacific Life for universal life insurance. All
Seniors over 65 can absolutely get life insurance. Your best options typically include term life insurance (if you’re in good health and under 75), final
Return of premium life insurance is a type of term life policy that pays back every dollar you spent on premiums if you outlive the
Globe Life Insurance offers affordable coverage with a heavily advertised $1 first-month promotion, but rates increase significantly after that. While Globe Life is a legitimate
Yes, you can get life insurance after a cancer diagnosis or as a cancer survivor. Most insurers require a waiting period of 2-5 years after
Yes, you can get life insurance after melanoma. Your approval and rate class depend on the stage at diagnosis, Breslow depth, treatment history, and how
Yes, you can get life insurance with atrial fibrillation. Many people with A-fib qualify for standard or slightly rated coverage, especially when their condition is
Having a chronic condition does not simplify your search for life insurance. But with the plans available today, it is common to have several options
Yes, you can get life insurance with COPD. Approval and rates depend on your FEV1% score, which measures lung function. Mild COPD (FEV1 60-80%) typically
Skydivers can get life insurance, but insurers typically add a flat extra charge to standard premiums based on jump frequency. Most companies charge $2.50-$5.00 per
Yes, most scuba divers can get life insurance at standard or even preferred rates. Insurance companies evaluate your dive depth, frequency, certification, and whether you
Commercial pilots qualify for the lowest rates; however, newer pilots need guidance to get affordable life insurance. While you’ll face additional underwriting questions about flight
Investments are important and making sure that your finances are in order should be at the top of the list. That’s why we believe life
Most doctors need term life insurance with coverage between $1 million and $5 million, depending on their income, student debt, and family situation. Term policies
A chronic illness rider lets you access part of your life insurance death benefit while you’re still alive if you become chronically ill and need
Life insurance in your 20s is one of the smartest financial moves you can make. You’ll lock in the lowest rates you’ll ever qualify for,
Gerber Life Insurance is a financially strong company with an A+ (Superior) rating from AM Best. Owned by Western & Southern Financial Group, Gerber offers
The life insurance contestability period is a window of time, usually two years, when your insurance company can investigate and potentially deny a claim if
A $100,000 term life insurance policy provides affordable coverage for basic financial protection. Most healthy adults in their 30s and 40s can expect to pay
If you co-own a business, one of your primary concerns must be business continuity if one partner dies or becomes permanently disabled. A buy sell
Life insurance companies classify hobbies like skydiving, scuba diving, rock climbing, motor racing, and private aviation as high-risk activities that can increase your premiums by
Yes, you can get life insurance with Hepatitis B. Many people with well-managed Hep B qualify for standard rates, especially if they show consistent treatment,
Annual renewable term life insurance (ART) is a one-year term policy you can renew each year without a new medical exam. Premiums start low but
Yes, you can still get life insurance after 60. Term life insurance is available up to age 75 or 80 depending on the carrier, and
Yes, breast cancer survivors can qualify for life insurance. Most insurers approve applicants who’ve been cancer-free for 2-5 years after early-stage diagnosis (Stage 0-2). Your
Best life insurance for 40-year-olds: Term life insurance is typically the best choice for most 40-year-olds because it provides substantial coverage at affordable rates. A
AICPA life insurance is a group coverage program offered exclusively to members of the AICPA and State Societies of CPAs through Prudential. While it offers
Yes, you can get life insurance with high blood pressure. Many people with well-controlled hypertension can qualify for standard or even preferred rates, especially younger
You can get life insurance after a DUI, though you’ll typically need to work with a specialized broker who knows which carriers accept DUI applicants.
Most college students don’t need life insurance unless someone co-signed their student loans or depends on their income. If a parent or family member would
Prudential Life Insurance offers term, universal, and variable life products backed by 150 years of experience and $1.5 trillion in assets under management. The company
A spouse isn’t automatically entitled to life insurance proceeds unless named as the beneficiary. The policyholder chooses who receives the death benefit. In community property
A 15-year term life insurance policy works best when your financial obligations have a clear 15-year timeline. This includes covering a mortgage payoff, protecting your
A 25-year term life insurance policy offers level premiums and a guaranteed death benefit for 25 years. It’s a smart middle ground between a 20-year
Most people think that you get denied for life insurance because of a health condition. However, there may be other reasons why someone may get
Transamerica is a financially stable life insurance company with 120+ years of history and an A (Excellent) AM Best rating. They offer competitive term life
Looking for a whole life product that will cover a wide range of aging policyholders? Sage Whole Life by Sagicor Life Insurance is a non-participating
Protective Life Insurance is an A+ rated (AM Best) company founded in 1907 and now owned by Dai-ichi Life Holdings. Their Classic Choice Term product
Principal Life Insurance Company is a financially strong, A+ rated insurer (AM Best) founded in 1879. They offer term life, universal life, indexed universal life,
Most life insurance companies treat vaping the same as cigarette smoking, charging tobacco rates that can be 2-3 times higher than non-smoker premiums. Foresters Financial
Life insurance for single people makes sense when you have co-signed debt, dependents, aging parents, or want to cover your own funeral costs. Even without
A $25,000 life insurance policy covers funeral costs, medical bills, or small debts at an affordable price. You can get this coverage through term life
In putting together any financial plan, it is likely that most people should at least consider life insurance. One reason for is loved ones and
When you’re going through the process of creating a financial plan, there is a good chance that you may need to include life insurance. This
Fidelity Life Association is a life insurance company founded in 1896, now owned by iA Financial Group. They hold an A- (Excellent) AM Best rating
Many factors go into choosing the right life insurance company. Because life insurance is a long-term investment, you’ll want to be sure that you’re selecting
AAA Life Insurance Company holds an A (Excellent) rating from AM Best and offers term life, whole life, final expense, and universal life policies in
When applying for life insurance, people are often concerned about the health exams or blood tests that might be required. Medical exams are common when
Banner Life Insurance is a top-rated term life insurance company currently owned by Legal & General America, with a pending sale to Meiji Yasuda expected
Farmers Life Insurance offers term, whole, and universal life policies through Farmers New World Life Insurance Company. The company holds an A (Excellent) rating from
Allstate is a well-known insurance brand, but it no longer underwrites its own life insurance policies. In 2021, Allstate sold its life insurance division to
Life insurance is typically reserved for working parents, but it can also be useful to have for stay-at-home mothers as well. No one wants to
A 10-year term life insurance policy is the most affordable type of term coverage. It provides a guaranteed death benefit for 10 years with fixed
Yes, you can get life insurance with asthma. Most people with asthma are eligible for coverage, and many with well-controlled symptoms can even receive preferred
Yes, you can get life insurance after prostate cancer. Your approval depends on your Gleason score, cancer stage, age at diagnosis, and time since successful
Trying to get quality insurance products at an affordable price can be a tricky process. When applying for a small business loan through a bank
Yes, you can get life insurance with multiple sclerosis. While MS is considered a high-risk condition, many people with MS successfully obtain coverage, especially if
You can get approved for life insurance with Type 2 diabetes, often with better rates than Type 1. Insurance companies evaluate your A1C levels (often
Life insurance can be a tricky topic. Every person is different and is in different situations. It’s almost impossible to make any statements or decisions
Guaranteed issue life insurance accepts all applicants without health questions or medical exams, using a 2-3 year waiting period instead of traditional underwriting. While more
Yes, you can get life insurance with Hepatitis C, and modern treatment has made approval much easier. Today’s direct-acting antiviral medications cure Hepatitis C in
Second to die life insurance (also called survivorship life insurance) is a permanent policy that covers two people, usually a married couple, and pays the
Primerica is a legitimate, financially strong life insurance company rated A+ (Superior) by AM Best. They sell only term life insurance through a network of
AARP life insurance is underwritten by New York Life Insurance Company and offered exclusively to AARP members age 50 and older. It includes three products:
Life insurance comes in two main categories: term and permanent. Term life covers you for a set period (10, 20, or 30 years) and is
Yes, you can get life insurance with high cholesterol. Most insurers approve applicants with controlled cholesterol levels, even if you’re taking medication. Your rates depend
High risk life insurance covers people with pre-existing medical conditions, dangerous occupations, or risky hobbies. You can get approved even with health issues like diabetes,
Yes, people with Type 1 diabetes can get life insurance, but expect table ratings that typically increase premiums substantially compared to standard rates. The exact
Decreasing term life insurance is a policy where the death benefit shrinks over time while premiums stay the same. Most insurance companies have stopped selling
Yes, you can get life insurance after a stroke, though your options and rates depend on several factors. Most insurers require at least 12 months
Life insurance settlement options are the different ways a beneficiary can receive the death benefit from a life insurance policy. The most common option is
A million dollar life insurance policy typically costs between $25 and $65 per month for healthy adults in their 30s and 40s buying 20-year term
Yes, you can get life insurance if you’re overweight or obese. Most people qualify for coverage, though your weight affects which health rating class you’ll
Yes, affordable life insurance is available for people over 50. Applicants in excellent health can pay as little as $15-17 monthly for $100,000 in 10-year
Yes, you can get life insurance with sleep apnea. Most people with mild to moderate sleep apnea who use CPAP therapy regularly qualify for standard
Key man insurance is a life insurance policy that a business buys on its most important employees. The company owns the policy, pays the premiums,
Yes, you can get life insurance with arthritis. Most people with osteoarthritis qualify for standard or even preferred rates. Those with rheumatoid arthritis typically qualify
Yes, you can get life insurance with depression. Many insurers approve applicants who have stable, well-managed depression, though rates depend on severity, treatment compliance, and
State Farm is a financially strong life insurance company rated A+ by AM Best with low complaint ratios. They offer term, whole, universal, and final
William Penn Life Insurance Company of New York is the New York subsidiary of Banner Life Insurance Company, now owned by Meiji Yasuda Group. William
Yes, you can get life insurance with lupus. People with discoid lupus can often qualify for standard rates if systemic involvement is ruled out. Those
USAA life insurance is a strong choice backed by an A++ AM Best rating and over 100 years of financial stability. While the company is
Life Insurance Company of the Southwest (LSW) is a subsidiary of National Life Group, founded in 1848 and headquartered in Montpelier, Vermont. LSW holds an
North American Company for Life and Health Insurance is an A+ rated carrier (AM Best, S&P, and Fitch) that’s been in business since 1886. They
Mutual of Omaha is an A+ rated insurance company offering Living Promise whole life insurance for final expenses and Term Life policies for income protection.
SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) is a mutual life insurance company founded in 1907. They offer term and whole life
MassMutual is one of the strongest life insurance companies in America, with an A++ (Superior) rating from AM Best and over 170 years in business.
Northwestern Mutual is one of the most financially stable life insurance companies in America, with the highest financial strength ratings awarded to any U.S. life
Guardian Life Insurance holds an A++ (Superior) rating from AM Best and ranks #2 in J.D. Power’s customer satisfaction study. Founded in 1860, this mutual
*2018 Update – Genworth no longer sells life insurance policies including no medical exams and traditionally underwritten policies.* Not only are there different types of
Yes, marijuana users can get life insurance. Many carriers now offer non-smoker rates to occasional users, and even daily users may qualify for standard non-tobacco
Most people need life insurance coverage equal to 10 to 15 times their annual income. For a more accurate number, use the DIME method, which
A typical life insurance application asks about your personal details, health history, lifestyle habits, and the coverage you want. Expect questions about your age, tobacco
It doesn’t matter where you have a dollar or a million of them, a credit card or a check, a piggy bank of a pension.
Yes, you can get life insurance with PTSD. Many people with post-traumatic stress disorder qualify for standard rates, especially if you’re employed, compliant with treatment,
Lying on a life insurance application can lead to denied claims, policy cancellation, or a reduced death benefit for your family. Insurance companies verify your
It’s the type of problem we all want. What if you come to realize that you need a really big life insurance policy? …because you’re
When you’re applying for any kind of life insurance, you must go through the underwriting process. We’ve been in the insurance industry for years, and
Life insurance dates back to ancient Greece and Rome, where members of benevolent societies pooled money to cover funeral costs for families. The modern industry
Applying for life insurance when you have various health conditions can be challenging. Depending on the specific diagnosis that you have, it is possible that
Most life insurance death benefits are not taxable. If your beneficiary receives a lump sum payout, they won’t owe federal income tax on it. Taxes
Term life insurance covers you for a set period (10-30 years) at a much lower cost, while whole life insurance lasts your entire lifetime and
Divorce can change your life insurance needs significantly. A judge may require you to carry a policy to secure alimony and child support payments. You’ll
Yes, you can replace whole life insurance with a term life policy. Many people switch because term life offers significantly more death benefit coverage for
“Buy term and invest the difference” means choosing affordable term life insurance over more expensive permanent coverage, then putting the premium savings into investments like
Today I want to talk to you about some common term life insurance questions and answers. So let’s talk a little bit about some common
Bankruptcy is a legal process which allows an individual or business to deal with mounting debt. There are many types of bankruptcy, some of which
Group life insurance is often provided as part of a complete employee benefits package. In fact, the affordability of coverage is one of the primary
20-year term life insurance provides a fixed death benefit and locked-in premiums for 20 years, making it one of the most popular term lengths in
You have life insurance, but that might not be enough. What happens when you need to protect yourself from the tax man? Creditors? Prying eyes?
A flat extra premium is an additional charge added to your base life insurance premium, typically calculated per $1,000 of coverage. Insurance companies apply flat
There are, of course, a myriad of reasons that lead U.S. citizens to live abroad for either a temporary or long-term period. Work can take
Dave Ramsey recommends buying 10 to 12 times your annual income in level term life insurance with a 15 to 20 year term. He advises
Fatal accidents occur so often that insurance companies now offer accidental death benefit life insurance riders and policies. What are accidental death benefit riders? What
It’s a pretty morbid thought – someone is going to financially benefit from your death. But should it really creep you out? Life Insurance Beneficiaries
Yes, you can get life insurance even with a dangerous job. Most high-risk occupations like construction workers, firefighters, and commercial fishermen qualify for coverage, though
Life insurance companies assign health ratings to determine your premiums. Most applicants receive preferred, preferred plus, standard plus, or standard ratings based on their health
There are options for life insurance for active-duty military members with a variety of different components. Servicemembers Group Life Insurance (SGLI), Veterans’ Group Life Insurance
Yes, you can get life insurance with angina, though your approval and rates depend on the type and severity. Stable angina with normal test results
Yes, you can get life insurance if you’re an alcoholic or have a history of alcohol abuse. While past addiction or heavy drinking typically results
Adverse health conditions are generally thought to be the reason why one would be turned down for life insurance coverage, but health conditions are only
The whole point of term life insurance policies is that they provide you with coverage when you need it the most— when you are still
Life insurance riders are optional add-ons that customize your policy with extra benefits. Some riders come free with your policy, while others cost extra. The