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Top Life Insurance Companies
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Los Angeles, CA
Coex Insurance & Financial Services, Inc.
3807 Wilshire Blvd. #1011, Los Angeles, CA 90010Crump
21550 West Oxnard Street, Los Angeles, CA 91367David's Insurance Services
140 N La Brea Ave, Los Angeles, CA 90036
Phoenix, AZ
Altar Insurance, Inc.
301 E Bethany Home Rd Ste C190, Phoenix, AZ 85012Arrowhead Insurance
3420 East Shea Boulevard, Phoenix, AZ 85028ASA, Inc.
4425 E Agave Rd Ste 134, Phoenix, AZ 85044
Philadelphia, PA
Abco Insurance Agency
403 New Jersey 70, Cherry Hill, NJ 08034Absolute Insurance & Torri Insurance Agency
1507 Meetinghouse Road, Boothwyn, PA 19061America Insurance Agency
7214 Frankford Ave, Philadelphia, PA 19135
San Antonio, TX
Basis Insurance Group
8018 Broadway St Ste 202, San Antonio, TX 78209Bexar Insurance Group
4404 San Pedro, San Antonio, TX 78212CompleteCare Insurance Group LLC
1923 Culebra Rd B2, San Antonio, TX 78201
Dallas, TX
Caldwell Wealth Management
Dallas, TXExpertise.com Concierge Service
Dallas, TXBibby Brilling & Associates, L.L.P.
4330 N Central Expy Ste 100, Dallas, TX 75206
San Diego, CA
Abrams Insurance Solutions
3525 Del Mar Heights Road, San Diego, CA 92130AMG Life Solutions
1420 Kettner Boulevard Suite #100, San Diego, CA 92101B.H. Gold Insurance Agency
9699 Tierra Grande St., Suite 100, San Diego, CA 92126
Fort Worth, TX
Ashford Insurance
1245 Southridge Ct Ste 101, Hurst, TX 76053Bradley Insurance Agency
1415 Summit Avenue, Fort Worth, TX 76102Capital Assurance Associates
1507 Joshua Ct, Keller, TX 76248
Charlotte, NC
Access Advantage Insurance Agency
3166 Freedom Dr., Charlotte, NC 28208Capstone Insurance Agency, LLC
6132 Brookshire Boulevard, Charlotte, NC 28216Churchwell Insurance Agency
19720 Jetton Rd Fl 3, Cornelius, NC 28031
Memphis, TN
Andrea L. Bowles
562 South Center Street, Collierville, TN 38017Brock & Poole Insurance Agency, Inc.
340 New Byhalia Rd Ste 4A, Collierville, TN 38017Choice Insurance and Financial Services Inc.
4466 Elvis Presley Boulevard, Memphis, TN 38116
Baltimore, MD
Anchorage Insurance Management
4132 E Joppa Rd Ste 110-842, Baltimore, MD 21236C & E Insurance and Financial Services
7324 Holabird Avenue, Baltimore, MD 21222Concrete Insurance
6405 Belair Rd, Baltimore, MD 21206
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
Frequently Asked Questions
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.