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best life insurance companies

Preferred Plus: You are in excellent health; take no medications; normal height and weight besides a few other factors.

Preferred: Excellent health; blood pressure or cholesterol under control with medication. No history of smoking in the last two years besides other factors.

Standard Plus and Standard: Now you are getting into serious health conditions and other factors. From here on, it is a downward journey.


Your life insurance premiums are directly dependent upon your age, health, and lifestyle. Please note that by the regulatory laws, agents and brokers offering life insurance products cannot charge a fee for service from a client. Therefore, your premium is exactly what an insurance company asks and not a penny more. In a nutshell, you can’t find a better price for the same insurer’s product anywhere else.

To learn more about which risk class you may qualify for, please click on the exclamation mark next to Your Heath below.


Our life insurance calculator compares best life insurance rates from highly respected companies you trust to protect the financial future of your loved ones.


Besides single premium life insurance rates, also compare the best quotes on term life insurancethe return of premium term, and guaranteed universal life plans. With our latest update, now we can also give you a real-time quote on simplified issue term life insurance (no-medical exam required). Subject to age, state, and health class availability.Life Insurance Protects Family

Check out various options under Length of Coverage.

We are committed to bringing you the most competitive life insurance rates in the market. If you are considering a second-to-die universal life, or a single premium term insurance plan, please contact us at 1-866-526-7264 to custom-design these for you.


We are not a lead generation website and serve our potential clients ourselves. We do not sell your information to third parties.


Yes, we do.
We are a full-fledged life and health insurance agency. Although, is dedicated to single pay plans, we offer all other life insurance plans like, term, universal and final expense from top-notch insurance companies. 

A few of our partner carriers include, Prudential, Penn Mutual, AIG, Pacific Life, Cincinnati Life, Lincoln Financial, Mutual of Omaha, TransAmerica, North American, and many more.

Here are some of the top life insurance companies in New York based on their financial strength, customer satisfaction, and reputation in the industry:

  1. New York Life Insurance Company: This is the largest mutual life insurance company in the United States, and it has a strong financial rating and reputation for customer service.

  2. MassMutual Life Insurance Company: This company has been in business for over 160 years and has a strong financial rating and reputation for customer service.

  3. Northwestern Mutual Life Insurance Company: This is a highly-rated mutual insurance company that has been in business for over 160 years.

  4. Prudential Financial: This is a large insurance and financial services company with a strong financial rating and reputation for customer service.

  5. AIG Life Insurance: This is a large insurance and financial services company with a strong presence in New York and a reputation for financial strength and stability.

If a life insurance company goes bankrupt, there are several protections in place to ensure that policyholders’ interests are protected. These protections vary depending on the state and country where the insurance company is located, but generally include the following:

  1. State Guaranty Associations: In the United States, each state has a guaranty association that provides protection to policyholders of insolvent insurance companies. The guaranty association is funded by insurance companies and may provide coverage up to a certain dollar limit per policyholder.

  2. Policy Transfers: In some cases, a financially sound insurance company may assume the policies of the bankrupt insurance company. This means that policyholders will continue to receive coverage and benefits from the new company.

  3. Liquidation: If a life insurance company is unable to continue operating, it may be placed into liquidation. This means that its assets are sold to pay off its debts, including the claims of policyholders. In this scenario, policyholders may receive a portion of their benefits from the liquidation process.

It’s important to note that the protections offered to policyholders in the event of a life insurance company’s bankruptcy may not cover all of their claims or provide the same level of benefits as the original policy.

It important to note that a life insurance company rarely goes bankrupt.

Yes, it does. However, if structured properly, the modified endowment contract can be easily avoided.

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  • We serve our potential clients ourselves.
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