How do I choose the right life insurance company?

Life insurance can serve as an integral part of your overall financial strategy so, like your financial budget, consider the company’s financial size & assets.

You want to make sure your policy is protected by the life insurance company’s assets. Why? The company’s assets underlying its reserves are invested and earnings on these investments are used to cover some of the cost of insurance. Generally, insurers seek the highest investment yield consistent with safety in order to minimize the cost of the insurance for their policyholders. These earnings come from investments in a wide selection of financial ventures ranging from real estate to stocks or bonds. Please note that there are severe limitations on stock investments because large fluctuations in stock values could be inconsistent with providing financial security.

The Numbers Tell the Story
Evaluate the company’s total assets: capital and surplus as well as investment reserves. Rating agencies agree – the best way to choose an insurance company is to deal with one that’s financially strong.

Stability and reliability are key.

Rating our carriers:
Our carriers are highly regarded by insurance rating analysts, who base their ratings on the financial ability of the company to meet its contractual obligations.

Our life specialist can help you determine which life insurance products might best serve you, your family and all that you value.

Next, consider your coverage options.