US Best Term Life Insurance

Are you looking for the US best term life insurance?

If so, you may want to consider what would be the best term life insurance in the US for you.

When comparing US term life plans and rates you may want to consider:

1. The financial strength rating of the insurance company.
   
2. The rate offered for the term life plan.
   
3. How many years of coverage is provided – 10, 15, 20 or 30 years.
   
4. Can you renew the term life plan when it expires?
   
5. Is level term insurance or decreasing term insurance right for you?

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Level term life insurance life insurance is the most popular type of term life insurance and provides coverage and pricing that remains the same each year throughout the term (duration) of your term life policy.

Decreasing term life insurance life insurance provides coverage that declines each year of your policy while your premiums remain the same.

What are the top term life insurance companies?

Each year the Insurance Information Institute releases a list of the top providers of individual life insurance policies from the previous year:

The Top 10 Life Insurance Companies - Revenues

and Financial Strength Ratings by A.M. Best Company

1. MetLife – rated A+, Superior
2. Prudential Financial – rated A+, Superior
3. New York Life Insurance – rated A++, Superior
4. TIAA-CREF – rated A++ , Superior
5. Massachusetts Mutual Life Insurance – A++, Superior
6. Northwestern Mutual – rated A++, Superior
7. AFLAC – A+, Superior
8. Lincoln National - A+, Superior
9. Unum Group – A, Excellent
10. Genworth Financial – A, Excellent

(Source – Fortune and www.iii.org - Insurance Information Institute)

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Top Life Insurance Companies for Seniors

US Best Term Life Insurance