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RYou · 05-12-2008, 10:34 PM

I don't know what your financial position is, but you can buy a lot more term insurance coverage versus the cost of the others. When you're young and have kids, it often tough to fund whole or universal life plans when you need significant amounts of insurance protection.

As for which insurance company, that decision is equally difficult. There are alot of sound regional companies, and a bunch of national household names.

The one financial rating you should ask about is the "Best" rating. The highest is A+15. Generally any company that A+ or better is okay. I would stick with one that just underwrites life insurance, like New York Life, or SBLI. There's less chance some outside influence could send them belly up, like Kemper.

05-12-2008, 10:34 PM	#4 (permalink)
RYou Olympic Champ Join Date: Mar 2007 Location: New Jersey Posts: 5,960 My Mood: Tournaments Joined: 3 Tournament Wins: 0 Blog Entries: 1	Re: Any life Ins. experts on here? I don't know what your financial position is, but you can buy a lot more term insurance coverage versus the cost of the others. When you're young and have kids, it often tough to fund whole or universal life plans when you need significant amounts of insurance protection. As for which insurance company, that decision is equally difficult. There are alot of sound regional companies, and a bunch of national household names. The one financial rating you should ask about is the "Best" rating. The highest is A+15. Generally any company that A+ or better is okay. I would stick with one that just underwrites life insurance, like New York Life, or SBLI. There's less chance some outside influence could send them belly up, like Kemper.