Best Life Insurance Companies & Helpful Resources
Find a Top-Ranked Life Insurance Company Near You
We did the research for you!
- Licensing
- User Reviews
- Mystery Shopping Calls
Learn about our selection process.
Most Popular Cities
= Featured Provider
Los Angeles, CA
Solid Health Insurance Services
11620 Wilshire Blvd . # 900, Los Angeles, CA 90025Tower Insurance Associates Culver City CA
4244 Overland Ave, Culver City, CA 90230Fiducia Life Insurance Solutions
1055 West 7th Street, Los Angeles, CA 90017
Phoenix, AZ
Futuro Insurance
3813 N 15th Ave, Phoenix, AZ 85015Phoenix Life Insurance
20823 N Cave Creek Rd, Building B Suite 101, Phoenix, AZ 85024Ayala Insurance
3550 W Glendale Ave, Phoenix, AZ 85051
Philadelphia, PA
Ferullo Insurance Agencies
1636 South Front Street, Philadelphia, PA 19148Philadelphia Life and Health Inc
Philadelphia, PAAmerica Insurance Agency
7214 Frankford Ave, Philadelphia, PA 19135
San Antonio, TX
The Insurance Solutions Experts
16111 San Pedro Avenue Suite 101, San Antonio, TX 78232The Insurance Guys
8000 West Interstate 10, San Antonio, TX 78230Saucedo Insurance Agency
234 Bandera Rd, San Antonio, TX 78228
Dallas, TX
Prosperitas Wealth Management LLC
1009 Oakwood Lane Unit 120803, Arlington, TX 76012Thumann Agency, Inc.
12770 Coit Road Suite 110, Dallas, TX 75251Profectus Insurance & Investments
13601 Preston Rd, Dallas, TX 75240
San Diego, CA
Home Wealth Financial & Insurance Services
270 E Douglas Ave, El Cajon, CA 92020My Benefits Coach International LLC
600 W Broadway, San Diego, CA 92101B.H. Gold Insurance Agency
9699 Tierra Grande St., Suite 100, San Diego, CA 92126
Fort Worth, TX
DFW Direct Insurance
1412 Sunset Point Dr, Flower Mound, TX 75022Duncan Insurance Group LLC
5801 Curzon Ave, Ste 137, Fort Worth, TX 76107Ashford Insurance
1245 Southridge Ct Ste 101, Hurst, TX 76053
Charlotte, NC
The Ryan Insurance Group
10716 Carmel Commons Blvd Ste 120, Charlotte, NC 28226Gateway Retirement
2025 Ebenezer Rd Ste G, Rock Hill, SC 29732Peco Insurance
1805 Sardis Rd N Ste 136, Charlotte, NC 28270
Memphis, TN
Moore's Financial Group
8230 Camp Creek Rd Ste 118, Olive Branch, MS 38654Pete Mitchell and Associates, Inc.
4216 Millbranch Rd, Memphis, TN 38116Ken's Insurance Agency
4210 Highway 51 S, Hernando, MS 38632
Baltimore, MD
Concrete Insurance
6405 Belair Rd, Baltimore, MD 21206T. L. Brown Insurance Group, LLC
5457 Twin Knolls Rd Ste 300-N4, Columbia, MD 21045Kirby Insurance Agency
14 West Saratoga Street, Baltimore, MD 21201
Top Life Insurance Companies in other locations
- Life Insurance Companies in El Paso, TX
- Life Insurance Companies in Boston, MA
- Life Insurance Companies in Milwaukee, WI
- Life Insurance Companies in Denver, CO
- Life Insurance Companies in Albuquerque, NM
- Life Insurance Companies in Fresno, CA
- Life Insurance Companies in Staten Island, NY
- Life Insurance Companies in Long Beach, CA
- Life Insurance Companies in Sacramento, CA
- Life Insurance Companies in Mesa, AZ
Find a Top-Ranked Life Insurance Company Near You
FAQs
Which is better, term or whole life insurance?
Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.
How much life insurance do I need?
A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.
How does life insurance work?
The details of how life insurance works depend on your individual plan, but the basics are as follows:
- You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments.
- As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated.
- Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
How much is life insurance?
The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.
Is life insurance taxable?
Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.
Can I buy health insurance that is not Obamacare?
When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.
Can I buy health insurance anytime?
To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.