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Life Insurance Companies


Life insurance aims at providing financial protection to the surviving dependents of an insured after his/her death. Life insurance includes several insurance channels, like whole life (provides for insurance coverage of the contract holder for his/her entire life), term life (provides coverage for some sum of money during given period of time), universal life (a permanent life insurance featuring an investment savings component and low premiums), and variable universal life (VUL, a permanent life insurance policy with a built-in savings component) policies.

 

The policy holder typically pays a premium, either regularly or as one lump sum and designates beneficiaries who will receive the life insurance payout, called a death benefit. Beneficiaries should know about the life insurance and which company holds the policy.

 

Life insurance rates are based on factors relating to the policy holder’s life expectancy, such as age, gender, nicotine use, medical history, family health history, dangerous hobbies, and other risk factors.

 

One of the USA companies focused on life insurance is Fidelity Life, which offers different types of life insurance products. Some of them are RAPIDecision® Life, RAPIDecision® Express, RAPIDecision® Senior Life Term and Whole Life, and Accidental Death Benefit. Fidelity Life Association is licensed in all states and the District of Columbia, except for Wyoming and New York.

 

MetLife is one of the largest life insurance companies in the world. Founded in 1868, MetLife is a global provider of life insurance, a breadth of annuities , employee benefits, and asset management. MetLife focuses on delivering benefits through the workplace, including Term life and Universal life policies. If you’re looking for individual products, MetLife’s spinoff company, Brighthouse Financial has been providing them since 2017.

 

With a heritage dating back to 1890, Assurity Life Insurance Company provides life insurance, disability and critical illness insurance, and voluntary employment benefits through independent brokers nationwide. Insurance products and services are offered in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. The company offers both Individual Insurance Solutions and Worksite Solutions.

Background information to consider…