The Top 15 Term Life Insurance Companies and Policies

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Term Life Insurance Chart

Questions
And Companies
Third Party RatingsAssets Under ManagementIs there a No Medical Exam Option?Underwriting Time FrameConversion to a Permanent Policy Options?

Standard & Poors: AA
A.M Best: A+ (Superior)
Fitch: AA- (Very Strong)
BBB: A+
618.5 BillionNo.14-30 daysYes.
Good Options.

Standard & Poors: AA
A.M Best: A+ (Superior)
BBB: A+
70.4 BillionNo.14-30 daysYes.
Very Good Options.

Standard & Poors: AAA
A.M Best: A+ (Superior)
BBB: A+
11 BillionNo.14-30 daysYes.
Good Options.

Standard & Poors: A+
A.M Best: A (Excellent)
BBB: A+
450 BillionNo.14-30 daysYes.
Very Good Options.

Standard & Poors: AA-
A.M Best: A+ (Superior)
Moody’s: A1
Fitch: A+
1.184 TrillionNo14-30 daysYes.
Good Options.

Standard & Poors: AA-
A.M. Best: A+ (Superior)
Moody’s: A1
Fitch: AA-
BBB: A+
76 BillionYes.
No Medical Exam Options for Coverage Amounts below $250,000
10-30 daysYes.
Good Options.

Standard & Poors: A+
A.M Best: A+ (Superior)
BBB: A+
34.4 BillionYes.
No Medical Exam Options for Coverage Amounts below $250,000
10-30 daysYes.
Good Options.

Standard & Poors: AA_
A.M Best: A+ (Superior)
Fitch: AA- (Very Strong)
BBB: B
504 BillionNo.14-30 daysYes.
Good Options

Standard & Poors: A
A.M Best: A (Excellent)
BBB: A+
23.3 BillionYes.
No Medical Exam Options for Coverage Amounts below $250,000
7-14 daysYes.
Very Good Options.

A.M. Best: A- (excellent)
BBB: A+
5.78 BillionYes.
No Medical Exam Options for Coverage Amounts below $400,000
1-10 days
Yes.
Very Good Options.

Standard & Poors: A-
A.M Best: A+ (Superior)
BBB: A+
2.8 BillionNo.14-35 daysYes.

A.M Best: A-(Excellent)
BBB: A+
2.4 BillionYes.
No Medical Exam Options for Coverage Amounts below $350,000
10-30 daysYes.
Good Options.

Standard & Poors: B+
A.M Best: B (Fair)
BBB: A+
4.5 BillionYes.
No Medical Exam for Coverage Amounts below $500,000
5-21 daysYes.
Good Options.

A.M Best: A- (Excellent)
BBB: A+
41.8 BillionYes.
No Medical Exam for Coverage Amounts below $150,000
1 dayNo.
Not for the policy we sell.

Standard & Poors: A
A.M Best: A (Excellent)
BBB: A+
10.2 BillionYes.
No Medical Exam Options for Coverage Amounts below $250,000
3-14 daysYes.
Good Options.

Sagicor Simplified Issue Term Life Insurance

  • Issue Age 18 – 65 Years
  • Face Amounts $50,000 to $400,000
  • Five Risk Classifications
  • Brief Telephone Underwriting Interview
  • No medical exams, body fluids or APS (Attending Physician Statements)
  • A decision in as little as 15 minutes

Accelerated benefit insurance rider

Included at no additional cost, the Accelerated Benefit Insurance Rider 3 helps cover medical costs or nursing home care by allowing you to use a portion of the Death Benefit in the event of a Terminal Condition diagnosis or Nursing Home Facility Confinement. The benefit received is the lesser of 50% of the policy face amount or $300,000.

American National Life Insurance Company

ANICO Signature Term Express

  • Available for face amounts up to $250,000
  • Term lengths: ART (annual renewable term), 10, 15, 20, and 30 years
  • Non-med underwriting from $50,000 to $250,000
  • Underwriting Express facilitates 48- 72 hour turnaround on approvals
  • Rates are guaranteed to remain the same during the term length
  • Standard and substandard classes only
  • Issue ages up to 65 years
  • Electronic Application
  • Conversion credits available through 5th policy year

Available Riders and Options

  • Conversion Period and Credit
  • Children’s Term Rider
  • Disability Waiver of Premium
  • Accelerated Benefit Riders – Living Benefits

Transamerica Trendsetter Express

  • Available for ages 18 through 80
  • Term lengths: 10, 15, 20, 25, and 30 years
  • Non-med underwriting from $25,000 to $249,999
  • Tobacco users can qualify.
  • Rates are guaranteed to remain the same during the term length.
  • Available in all states except AL, GA, MD, NY, OR, PA, and WV.
  • Completely online application process.
  • Average approval times of 1-3 weeks.
  • Conversion options available.

Available Riders and Options

  • Terminal Illness Accelerated Death Benefit (TIADB)
  • Conversion Option Endorsement
  • Income Protection Option (IPO)
  • Waiver of Premium (WP)
  • Children’s Insurance (CIR)
  • Accident Indemnity (AI)
  • Monthly Disability Income (MDI)

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