I know many of the people do not like the word insurance and they are irritated by the calls they receive from agents of insurance companies. In this era of development, everyone is so busy in their schedule. People are thinking about their future life and its other perspectives. But at one point they are lagging. Unfortunately if a mishap happens with you and you are unable to earn for your family then what will you do? or what will you give to your sons and grandsons when you will not be there for them? These are the questions you should be asking from yourself. When a family depends upon you for their living then you should think of that that what will happen when you will not be there for them or when you will retire what you will give them? Many people think that insurance is not important. It is totally a wrong concept and the questions above are enough to prove that. If you are thinking about your income that who will you manage to have a insurance policy then I have a solution for your this problem you should go for term insurance policies. In Term life insurance you can pay as less as $20 per month and these polices can last up to 10 to 30 years according to your package. In this article I will tell you about some of the best term life insurance companies that gives the best offer to you.
Bestow is one of the best company. If you are a student or you have a low amount of income then Bestow is the best option for you. This company offer polices from 2 years up to 10 and 20 years. You can take a start at $3 per month and your policy can mount up to $1 Million if you have a longer plan. Getting a term life insurance from Bestow is very easy you can get it by sitting at your home. You just have to apply and give them some of your personal information. Then they will calculate for you according to you data and will give you the best possible plans.
This company has a trust pilot rating of 9.5/10 and has the life insurance of 20 years. They can give you coverage rate up to $10 Million with no exam coverage. You can apply for One the best feature that this company has that they offer to write your will and testament for free of cost and you can change it any time because the family grows all the time. This is an amazing feature.
3. Heath IQ
In Health IQ, If you maintain a healthy lifestyle and a high healthy literacy rate then you can save up to 33%. This company has a trust pilot score of 9.7/10. This company has a new perspective for people and they are offering the best policy for the people who stay healthy and want to achieve a healthy life style.
This is the company with branches in over 80 countries and it has been in business from last 100 years. This company offer you the polices that are for 35 years means they offer extra 5 years in comparison to other who offer 30 years. The monthly amount you have to pay will be higher than others but you will save more because you will have to pay the same amount from start to end. You can select a policy according to your plan because this company gives you offer to obtain a policy between 10 to 35 years.
This company has an extra feature that they have a coverage calculator that help you to calculate according to your current situation that what type of policy you need. Their name reflects what they are as their you can change your coverage rates if you want to change in between your policy term. Taking insurance from the Ladder company is very easy and the process only takes up to 5 minutes you then just have to take a decision with you coverage rate.
6. JRC Insurance Group
JRC insurance group is the company that offers you a policy for 10 to 30 years and you can get a permanent one too. Their tools helps you to compare the rates of 50 other insurance companies and you can also get you plan according to your need and the tool which help you to compare your health rates and others option is free to use. Yeah that is amazing!
7. Haven Life
Haven life is backed by a company that is 160 year old in the insurance business. In this company if you have a policy and you are diagnosed a disease you can apply for an early withdrawal to help you with your medical expenditures. This company offers you additional benefits, you can save up to 15% from CVS Minute Clinic. If you want higher rates for your coverage then you should consider this company because their coverage rates vary from $100,000 up to $3,000,000. You can easily get your offers from them by just answering some questions and to the renewal process is also quite easy where you do not have to do any new underwritings.
This might be a younger company in comparison to others but they have partners who have been in business of insurance from the last century. Ethos is based in 49 states of America and to get a policy you have to be a national of United States of America or a green card holder or you should have lived in the United States for at least 2 years. The application process take about ten minutes and then instantly in a minute you have your offers and then in next two weeks you have to start paying for your policy. They offer up to $1 Million and you can have life insurance for up to 30 years. This company looks for your physical and financial setup and then offers you according to it.
9. John Hancock
This company is in the list of one of the oldest insurance companies. This companies can give you many benefits like you could have discounts on many retail products and travelling. You can have discount on foods. You can also get an Apple watch for a discounted rate of $25 and free Fit Bit device. This means you can save up to 15% on your annual expenditure. You can get your offers right now by just applying and without a medical exam you can even qualify for a coverage of $100,000.
Principal is the best and the most trusted insurance company. The have been in this insurance business from 1879. Although they do not have a big name but they are trusted by their costumers and have some of the best consistent ratings of all time. If you think you are good in health then you should get your offers from Principal. They can offer a coverage rate of $100,000 with no exam. This company has the highest rates with no exam as compared to any other in business.
This company is one of the oldest insurance company in business because they started in 1940. They offer you a policy of minimum $50,000. Sagicor has branches in over 45 states and has one of the best rating. You can get a policy from them even you are not a resident of America by their International Sagicor company. One of the benefit that you can get here is that you can apply for a early withdraw your amount if you have to be diagnosed from a disease.
Americo is an private established insurance firm that is in business since 1906. Like others they offers polices for 10 to 30 years and you can get a coverage rate of $250,000 with no exam for a period of 20 to 30 years. They have a very good rating by their costumers and are ranked in the list of one of the prestigious companies in the business of Insurance.
13. Guardian Life
Guardian Life is also one of the prestigious companies that are in business from 1860. They offer term life insurance policies for 10 to 30 years and you can get coverage rate up to $250,000 to $500,000. They have the best ratings from years and they give a coverage wavier if you are disabled for at least 6 months.
So these were the 13 best companies that offer insurance policies. You should avail one of them and make a start even by $3 a month. They key to get more successful coverage is to keep your self healthy so always try for that. Do not forget to comment in the comment section and also share your experience and your elders experiences of taking life term insurance and tell us what benefit they give us. We will love to hear from you.