Best Life Insurance?

Question

I need life insurance................

which company do you think has the better life insurance policies?

Answer 1

HDFC Standard LIfe Insurance .  

You have the Double benefit policy called youngster children plan.  Wherein in case of any mis happening the children/beneficiary will get the Sum Assured on demise of the policyholder then normally in other ins companies the policy will close but here the company will pay the remaining premium and the fund value will be paid on maturity to the beneficiary.   first SA is for maintenance of Child/beneficiary and the second one on maturity for future plan.

2.  Reliance SIP  no additional charges for insurance. Mutual fund linked scheme just pay Rs.1000 onwards a month for 3 year and above.  max limit Rs. 10 lac p.m. the insurance cover is add on service.. In case of demise beneficiary will get twice the SA (1000*no months  * 2 times) + paid up installment with profits.

in both the cases on maturity the policy holder can get the fund value on his survival

Answer 2

Transamerica, State Farm, or any of the big carriers.  They are all competitive.   The important question is what kind of life insurance do you want?   Term provides the cheapest and the most insurance for your dollar.

Answer 3

There are lots of great companies out there.  Many of the high quality companies are also very competitive, so naming specific companies to consider would be a very long list.  

If I were shopping for life insurance again, I would:

1. Define my needs first.

2. Go shopping with at least 3 brokers.

3. Find the best company among the five least expensive.

Answer 4

TransAmerica yes...STATE FARM?  Are you kidding.  They are fine for car insurance but not life insurance.  If you have a State Farm policy for life insurance you obviously didn't do any homework.

Look at my site...

http://insurancepickle.com/life-insuranc...

You can use the tool there because there is no one answer.  It depends on your age, amount, type of policy.  When I quote a policy for a customer we could be looking at one company for a 20 year term, another company for a 30 year term, yet another company for a return of premium product, etc....  Never deal with an agent....never deal with a 'car' insurance company when you're looking at life insurance.  Always deal with a broker that can show you multiple policies and stay away from the 'large' online companies because although they represent some good companies they don't represent ALL of the good ones.

http://insurancepickle.com/life-insuranc...

Answer 5

Most of the life insurance companies has very good policies with them. But the policy which we people get from an agent depends. I am an Insurance Consultant from Bajaj Aliianz. Feel free to ask me your doubts. This is my mail id [e-mail] message me or call me 9884181061