Life Insurance Companies. If this is the first time you are
looking to buy life insurance special attention should be paid to the
various types of insurance companies.
You should research carefully the management practices of these companies. You should also look at their net worth as well as their reputations.
The life insurance business is so tightly regulated in the United States that I doubt very much that there is any licensed life insurance company that wont pay death benefit claims when due.
They prefer to pay quickly even if there is some doubt as to the validity of the claim.
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In recent years, however, more insurance companies are getting into the business of underwriting
long term care insurance
and other health insurance policies.
It may be because of fear of loss or may be because of lack of understanding on the part of some of the principals involved why the provisions of some policies are not clearly described but I am finding that more and more of some of these reputable organizations find themselves on the wrong side of a law suit..
It seems epidemic in proportion especially when it comes to disability insurance. I am very aware that the attorneys specifically advertise...searching for the disgruntled...with the hope that they can find someone who wants to put their hand way down into a deep pocket but if it were not profitable they would quit trying.
The only conclusion is that these companies that are constantly targeted should clean up their acts by underwriting policies with clear guidelines as to how a policy really works.
That having been said let us take some time to look at the types of insurance companies that you are likely to encounter in your research. There are basically two types of life insurance carriers...Mutual companies and Stock companies.
Both types of insurance companies sell term life insurance policies. As this is pure life insurance the premiums costs are simply determined by calculations made by the actuaries taking into consideration many variables including past and anticipated company profits and expenses.
Each life insurance company is rated by organizations like A.M.Best , Moodies, and Standard and Poors. One of their main responsibilities is to do the necessary research and provide the consumer with sufficient information which helps them make informed decisions about life insurance companies and their practices.
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I recently did some research on the development of the 30 year term insurance policy over the years. What I learned was quite interesting.
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