Showing posts with label INSURANCE. Show all posts
Showing posts with label INSURANCE. Show all posts

Thursday, October 22, 2015

Top 10 Auto Insurance Companies




Today we share about Top 10 Auto Insurance Companies that most people want to know when they want to buy a trust companies. Every car in the country must be insured if it is going to be used on the road; that makes for a very large number of people looking for auto insurance. There are hundreds of insurance companies in every state willing to provide this service, but trying to figure out which ones are the best and deserve one’s attention can be a bit tricky. Top 10 Auto Insurance Companies


There are numerous factors that go towards contributing to the quality of an insurer. Financial strength of a company is frequently over-looked by most insurance shoppers, yet it is a very significant factor. After all, signing up with a financially unstable company may mean that by the time one is involved in an accident and files a claim, the company may be facing bankruptcy and unable to pay. The cost of the policy and customer service is also significant issues. After continuous payment of premiums, one would expect quick and efficient service when it is needed. If one is involved in an accident, being put on hold for ten minutes or told by a machine that “an agent will get back to you as soon as possible” only to find they never take the call can be frustrating! Also, whether the company even has a valid license to operate in the state and sell insurance is another important variable. Top 10 Auto Insurance Companies

According to most consumer guides put out by the government and industry professionals, the following ten auto insurance companies provide the required cover with very competitive prices, are financially sound and have a reputation for being available when required. Top 10 Auto Insurance Companies

Top 10 Auto Insurance Companies

1. Allstate: Allstate is one of the most frequently top rated car insurance companies in the nation. They provide a wide range of policy options that suit the needs of a wide variety of customers. Allstate is known for the competitive rates they offer, along with safe driving incentives and accident forgiveness. They have been ranked as one of the top insurance companies for 70 years. They provide four different packages so one is sure to find one that suits their individual needs. In fact, some even claim that this company is ideal for teenagers and the elderly. Top 10 Auto Insurance Companies

2. State Farm Insurance:Discounts are one of the favorite things about an insurance provider and this company makes sure its customers get plenty of variety. Consumers can save a significant amount, up to 40 percent, with State Farm. Top 10 Auto Insurance Companies

3. Geico: Government Employees Insurance Company is owned by Berkshire Hathaway and provides private auto insurance in all fifty states of the nation. They are easily recognizable from their commercials on the air. They pledge outstanding customer service and promise to help in obtaining the least expensive auto insurance policy. Additionally, they offer their customers several payment options which makes them a favorite with potential clients. Top 10 Auto Insurance Companies

4.Progressive: this is a multi-dimensional company offering not only auto insurance, but bike, watercraft, Segway, RV and snowmobile loans. It was established in 1937 and has the honor of selling the maximum number of commercial auto policies through independent agents operating via brokers. It has earned a credit rating of A+, which is excellent. They even have an innovative offer for their clients known as “name you price” in which potential clients can counteroffer the quote they give. Top 10 Auto Insurance Companies

5. Nationwide: This Company was founded in 1925 under the name of The Ohio Farm Bureau Federation and is now one of the largest financial organizations in the world. In 1955, it officially became known as Nationwide and is today one of the most financially strong auto insurers in the USA. They keep their customers happy by providing them with many low cost insurance options. Top 10 Auto Insurance Companies

6. AA Auto Insurance: The American Automobile Associations is a federation of associated auto clubs. The organization is a non-profit lobby that along with auto insurance, also offers a large number of services like first aid, towing, and emergency road service to members. It was founded in 1902 in Chicago. Top 10 Auto Insurance Companies

7.Liberty Mutual: Established in 1912, they are a financially sound company with a credit rating of “A”. In addition to auto cover, they also offer home and life insurance. This is a full service company providing comprehensive auto policies at very competitive rates. Liberty Manual has not only been rated as one of the top auto insurance companies in USA, but has a wide network of financial services in 20 countries throughout the world. Top 10 Auto Insurance Companies

8. 21st Century Insurance: This company works in collaboration with some of the best auto insurance companies. They are able to provide their customers a large variety of insurance products in addition to auto insurance. Top 10 Auto Insurance Companies

9. GMAC: This insurance provider was established in 1939 and has grown steadily ever since. They make the individual needs of their customers the top priority and help them to design a policy that fits their budgets and requirements. In addition to being one of the best insurance companies in the U.S., they make a large range of insurance products available in Latin America, Asia and Europe. Top 10 Auto Insurance Companies

10. AIG: American International Group promises to provide major savings compared to other insurance providers. Their main focus is to provide savings through low-cost insurance products and bundling. AIG is a world leader in insurance and financial services, with operations in more than 130 countries. In addition to auto insurance, they provide retirement services and asset management. Top 10 Auto Insurance Companies

There are numerous listings of “top 10” insurance companies if one searches online. While this may seem overwhelming, it actually is not. This is because there are some basic companies that stand out on everyone’s’ list. Also, it should be kept in mind that some regional and smaller companies have been around for a very long time and have been providing excellent service and rates that are comparable to the national companies; however, they do not show up on many lists due to the fact that they are not national. Top 10 Auto Insurance Companies

The best insurance company is the one that fulfills individual needs the best and the best way to find it is to do plenty of research, then shortlist and finally get quotes and pick the best one! Compare and find the best auto insurance rates with our FREE comparison tool below! Top 10 Auto Insurance Companies

Top 10 best life insurance in the United States



Today we share you about the top 10 life insurance companies in the United state. 
Top 10 best life insurance carriers in the United States as of May 1, 2015.


1. American General (AIG)
A.M. Best  Rating: A

American General Life insurance can be the right choice for many simply because they seem to be the “Jack of all trades” in the insurance industry.  The Company’s underwriting is flexible, their pricing falls right in the upper area of the industry average, and they have exceptional customer service. Top 10 best life insurance  in the United States

2. American National Insurance Company (ANICO)
A.M. Best  Rating: A

American National Insurance Company is another highly rated insurance company with great customer service that we really like to offer to clients who are looking for traditional term or whole life insurance coverage with or without having to take a medical exam.  Top 10 best life insurance  in the United States

3.  Banner Life
A.M. Best rating: A+

What would a top 10 list of the best life insurance companies in the United States be without Banner? Banner Life is one of our favorite carriers to write with not only because of their A+ rating but also because of their exceptional service and price.  Banner will typically be one of the lowest priced insurance product available to our clients. And what is nice about them is that they’re underwriting is typically quite liberal when it comes to qualifying for their Preferred and Preferred Plus rate classes. Top 10 best life insurance  in the United States

4.  Foresters Life Insurance
A.M. Best  Rating: A

Probably the hardest thing about writing a life insurance policy with Foresters Life Insurance company is the work that it takes to familiarize an applicant with who they are. Because the truth is, Forrester’s life insurance company is a really great insurance carrier that is willing to offer traditional term and whole life insurance coverage for even some of the most difficult cases. Top 10 best life insurance  in the United States

 5.  Genworth
A.M. Best Rating: A

With over $100 billon in assets and a global presence in over 25 countries it not hard to see when Genworth made our list as one of the top 10 life insurance companies in the US.  That combined with their liberal take on ones “waist band” makes them one of the first companies that we look at here at TermLife2Go for some of our “LARGER BUILD” clients.  But let’s back that up with a few numbers. Top 10 best life insurance  in the United States

 6.  MetLife
A.M. Best  Rating: A+

Because MetLife is such a great company, it’s one of those few companies that really does need to be “ruled out” before we look anywhere else simply because who doesn’t love “Snoopy”?! But seriously, MetLife is a great insurance company known for their financial strength and great customer service and when competitive in price they’re usually a great fit. Top 10 best life insurance  in the United States

7.  North American Company For Life and Health Insurance
A.M. Best Rating: A+

Don’t let the name fool you, just because the name North American Company for Life and Health Insurance doesn’t roll off your tongue doesn’t mean you shouldn’t at least check them out before you decide who you want to apply for life insurance with. As a privately owned insurance carrier, North American Company for Life and Health Insurance has consistently demonstrated that through sound investments  in secure and stable assets, it can maintain the highest A.M. Best rating in financial strength and stability. Top 10 best life insurance  in the United States

8. Protective Life Insurance Company
A.M. Best Rating: A+

Just like Banner Life above, no top 10 list of the best life insurance companies in the United States is complete if it does not include Protective Life. You just gotta love a company whose motto is: “Do the Right Thing, Serve People, Build Trust and Simplify Everything.” And they’ve been doing it that way since 1907. Now throw in fact that they are nearly always the most affordable term life insurance provider in the industry today and it can sometimes be difficult to think of a situation when they shouldn’t at least be considered right from the start. Top 10 best life insurance  in the United States

Often people will ask what life insurance companies pay out. The answer would be that all life insurance companies in our list pay out. However, Protective is one of the better companies. According to the Company’s website, the average processing time for a life insurance payout was 5.4 business days. That is a great job by a great company that puts the needs of the client, and his or her beneficiary, first. Top 10 best life insurance  in the United States

9.  Prudential (Pruco)
A.M. Best Rating: A+

Prudential, Pruco, or, “the Rock”, is just one of those companies that everyone’s heard of, everyone knows, and everyone feels comfortable working with. Because after all, they are a great company! We particularly like Prudential because, even though they are very well known, they seem to have made the financial decision to simply dominate certain “niches” within the insurance industry. Prudential Life Insurance has done this not only by assuming the lowest pricing in certain areas but also by separating themselves from the herd by adopting some unique underwriting guidelines when it comes to:

Travel locales
Tobacco Use
Cancer Survivors
DUI’s
Diabetes.
Actual age instead of nearest age.
Which is why given certain circumstances, Prudential Life Insurance is hands down the best company to choose. Top 10 best life insurance  in the United States

10.  SBLI
A.M. Best Rating: A+

The self proclaimed “No Nonsense Life Insurance Company”, SBLI, in our experience, is just that.  You get what you get! Known throughout the industry as being one of the more customer centric life insurance carriers out there, SBLI seems to have used its smaller size to allow it to not only provide great customer service but also to be a price leader in many categories, particularly for those willing to pay on an annual basis. Top 10 best life insurance  in the United States


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