Our Top Ranked Life Insurers are based on four catagories:  Premiums Rates: Lower premiums are obviously better if the policy is stable.  Financial Strength Ratings by AM Best and Standard & Poor’s:  Companies must meet stringent criteria for future claims paying reliability. Underwriting predictability and value:  Issues policies based on quoted rates, i.e. doesn't use teaser rates. Convertibility options. If your situation changes a decade or two into the future, you will want a policy that offers flexible, low cost conversion options for continuation of coverage, without evidence of insurability (e.g. no health underwriting).  Not to be underestimated or overlooked.  Rankings are 1 through 3, based on relative strength, with the companies in each group being of similar competitiveness.  The companies we offer are highly competitive for term life coverage, mortagage life insurance, pension income maximization, tax-shelter, key-man, buy-sell, business continuation/generational succession, executive compensation, wealth replacement trusts, long term care planning alternatives, cash value accumulation and estate planning situations, etc...  Using the best fit company is of high importance in all cases.  We can help you create the plan you need by working with your accounting, financial and/or legal professionals (or we can recommend advisors as necessary).  If you have a complex case, please contact me for a consultation.    For an instant Term Life Insurance quote please go to our quote page. Here are our current rankings as of August 2008: Our Ranking Company Name Premium Rates AM Best Rating Underwriting Conversion  1 ING & Reliastar Low A+ Very strong for all non-smoker classes & Preferred Smokers. 10, 15, 20 & 30 Yr Term. UL to 100.   Universal or Variable 1 Genworth Very Low-Low A++ Very strong for all non-smoker classes & Preferred Smokers. Slightly slower service on standard cases. 10, 15, 20 & 30 Yr Term.  UL to 100.  Return of Premium. Universal, Variable or Whole 1 Mutual of Omaha Low A Very strong for preferred, standard and average health cases, smokers & age 40+.  10, 15, 20 & 30 Yr Term.  Mortgage Protection with unemployment & disability riders. Return of Premium. Universal or Variable 1 West Coast Life (Protective) Very Low-Low A+ Perferred, women and age 45+.  Very strict on issuing lowest quoted rates.10, 15, 20 & 30 Yr Term.  UL to 100.  Universal or Variable 1 Prudential  Low A++ Preferred, Standard & Preferred Smokers. Large Cases ($1,000,000 of coverage). UL to 100.  Universal, Variable or Whole 1 John Hancock Low A Very strong for preferred, standard and average health cases, smokers & age 40+.  10, 15, 20 & 30 Yr Term.    Universal 1 (Under Review) American International Group Very Low-Low A++ Very strong for all non-smoker classes, Preferred Smokers and higher risk occupations. 10, 15, 20 & 30 Yr Term. UL to 100.  Return of Premium.  Universal, Variable or Whole 2 Jackson National Moderate-Low A+ Preferred, Standard & Preferred Smokers. Universal or Variable 2 Old Mutual / F&G Moderate-Low A++ Preferred, Standard, and high risk employment. Mortgage Protection with unemployment & disability riders. Return of Premium. Universal, Variable or Whole 2 Transamerica Low A Preferred, Standard & Preferred Smokers.  Universal or Variable 2 Lincoln Benefit Life (Allstate) Moderate-Low A++ Preferred, Standard & Preferred Smokers. Universal or Variable 2 MassMutual Moderate A++ Preferred, Standard & Large Cases. Cash Value Strategies.   Universal, Variable or Whole 2 Principal Life Moderate A+ Preferred, Standard & Preferred Smokers. Universal or Variable 3 EMC Moderate A Very strong for standard, and average health cases, smokers & age 40+.  10, 15, 20 & 30 Yr Term.  Mortgage Protection with unemployment & disability riders. Return of Premium. Universal & Whole 3 Banner Moderate-Low A+ Preferred, Standard & Preferred Smokers.  Difficult to accurately predict underwriting offer. Very strict on issuing lowest quoted rates (teaser rates).  Universal 3 The Travelers Moderate A+ Most health classes &/or Over Age 45. 20 & 30 Yr Term.  Universal 3 Hartford Moderate A+ Most Health Classes, Preferred Smokers &/or Over Age 45.  Cash Value Strategies.  Universal, Variable or Whole 3 Sun Life Moderate A++ Most Health Classes & Large Cases. Cash Value Strategies. Universal, Variable or Whole 3 North American Co. For Life & Health Moderate A Preferred, Standard & Preferred Smokers.  Universal 3 US Financial (AXA) Moderate A Sub-Standard "Clinical" underwriting; equivalent to tables 2-6 to standard. Universal 3 MONY Life (AXA) Moderate A+ Most health classes &/or Over Age 45. 20 & 30 Yr Term. Universal, Variable or Whole 3 Lincoln Life/Jefferson Pilot Moderate A++ Preferred, Standard & Preferred Smokers.  Difficult to accurately predict underwriting offer. Very strict on issuing lowest quoted rates (teaser rates). Large Cases. Cash Value Strategies. Universal, Variable or Whole