{"id":85449,"date":"2023-01-20T16:08:41","date_gmt":"2023-01-20T16:08:41","guid":{"rendered":"https:\/\/businessyield.com\/?p=85449"},"modified":"2023-03-14T10:56:05","modified_gmt":"2023-03-14T10:56:05","slug":"the-best-life-insurance-companies-in-the-usa","status":"publish","type":"post","link":"https:\/\/businessyield.com\/insurance\/the-best-life-insurance-companies-in-the-usa\/","title":{"rendered":"The Best Life Insurance Companies in the USA\u00a0","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<p>The right life insurance policy can help protect your loved ones financially, but it can be challenging to choose. There are several different types of life insurance policies. Here is a list of the best life insurance companies in the USA. <\/p><h3 class=\"wp-block-heading\" id=\"h-1-bestow\"><span id=\"1-bestow\">#1. Bestow&nbsp;<\/span><\/h3><p>Based&nbsp;in&nbsp;Dallas,&nbsp;Texas&nbsp;Bestow&nbsp;Insurance,&nbsp;founded&nbsp;in&nbsp;2016,&nbsp;provides&nbsp;individual&nbsp;term&nbsp;life&nbsp;insurance policies. No-medical-examination term life insurance is available from Bestow, but prospective customers must first complete a health questionnaire. Bestow&nbsp;life&nbsp;insurance&nbsp;company is digital and one of the best companies in the USA. The North American Company for Life and Health Insurance is responsible for issuing and managing its policies. <\/p><p>It offers guidelines for people ages 18 to 60, and you can select a term length of 10, 15, 20, 25, or 30 years. The current Bestow coverage amounts are on the low side, with a minimum of $50,000 and a maximum of $1,500,000.&nbsp;<\/p><p>Bestow offers a 30-day money-back guarantee, during which you will receive a complete refund.     If&nbsp;you&nbsp;prefer&nbsp;to&nbsp;interact&nbsp;with&nbsp;people&nbsp;in&nbsp;person&nbsp;or&nbsp;work&nbsp;with&nbsp;an&nbsp;agent,&nbsp;Bestow&nbsp;may&nbsp;not&nbsp;be&nbsp;the&nbsp;best&nbsp;fit&nbsp;for&nbsp;you&nbsp;because&nbsp;it&nbsp;only&nbsp;conducts&nbsp;business&nbsp;online. You can request a quote online by responding to a few simple questions about yourself. You should be aware that the initial quotes are only rough estimates. <\/p><p>To get an official quote on your desired policy once you apply and provide information about yourself, including your citizenship, medical history, lifestyle, and hobbies. Your beneficiaries, term length, and desired level of coverage are all additional details that you&#8217;ll need to provide.<\/p><p>It would be best if you had your Social Security number ready when applying, as well as basic information about yourself, such as your height, weight, and health history, as well as specifics about your family&#8217;s medical history.<\/p><h3 class=\"wp-block-heading\" id=\"h-2-haven-life\"><span id=\"2-haven-life\">#2. Haven Life&nbsp;<\/span><\/h3><p>Founded in 2014 and headquartered in New York City, Haven Life is a relatively new addition to the insurance market. Haven Life aims to offer affordable, easy-to-manage term life insurance policies online.<\/p><p>Like Bestow, Haven Life offers term life policies and an online application process. Unlike Bestow, Haven offers one complimentary add-on, an accelerated death benefit included in both the Haven Term and Haven Simple policies. Haven Life is one of the best insurance companies in the USA. <\/p><p>MassMutual and C.M. Life Insurance Co., a subsidiary of MassMutual, issue the policies it sells. Haven Life has two different term life policies ranging from five to 30 years, with coverage of up to $3 million. The standard term requires a medical exam for most applications. <\/p><p>The main disadvantage is that Haven Life doesn&#8217;t offer permanent life insurance. That means you can&#8217;t convert the term policy to permanent coverage. The company also requires that applicants be 64 years old or younger to qualify for new policies. <\/p><p>Haven Life&#8217;s term life policies are flexible regarding length and coverage amounts. Its policies can be expensive and limited, depending on your needs. However, for those who qualify and want a term life policy, its coverage provides a wealth of benefits.<\/p><h3 class=\"wp-block-heading\" id=\"h-3-state-farm\"><span id=\"3-state-farm\">#3. State Farm&nbsp;<\/span><\/h3><p><a href=\"https:\/\/www.usnews.com\/insurance\/life-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">State Farm<\/a> was established in 1922 as an auto insurance provider and has 85 million active policies and accounts. Products include health, liability, and disability insurance, as well as life and specialty vehicle insurance. It also offers several add-on riders, including a provision for children&#8217;s terms and a premium waiver for those with disabilities. <\/p><p>The process of getting a policy requires working with an agent. The products available to customers looking for insurance include term, whole life, final expense, universal, survivorship universal, and joint universal. In most cases, riders are usually added to a policy to better suit their needs. It&#8217;s based in Bloomington, Illinois.<\/p><p>It&#8217;s essential to choose an insurance provider who can accommodate your particular requirements, and State Farm offers a variety of insurance options.<\/p><h3 class=\"wp-block-heading\" id=\"h-4-massmutual\"><span id=\"4-massmutual\">#4. MassMutual&nbsp;<\/span><\/h3><p>One of the best life insurance companies in the USA is Massachusetts Mutual Life Insurance Co., also known as MassMutual. Founded in 1851, it offers products such as term life insurance and a permanent policy with adjustable premiums and investment options. MassMutual policyholders can make beneficiary changes, cash value loan requests, and premium payments online or via the company&#8217;s mobile app.<\/p><p>Along with a suite of retirement and investment products and services, MassMutual offers these types of insurance: disability insurance and long-term care insurance.<\/p><h3 class=\"wp-block-heading\" id=\"h-5-nationwide\"><span id=\"5-nationwide\">#5. Nationwide&nbsp;<\/span><\/h3><p>One of the best life insurance companies in the USA is Nationwide. Nationwide has become one of the world&#8217;s largest financial services companies since its inception in 1925 and offers various services, including life, homeowner, and renter insurance. The company is based in Columbus, Ohio. <\/p><p>Term life insurance policies from Nationwide offer coverage up to age 95 and have 10 to 30 years of terms. Term life insurance plans are renewable and convertible to permanent protection until age 65.<\/p><p>Nationwide offers several whole and universal life insurance policies as well as term life insurance. The following riders can customize their policies: long-term care, accidental death benefit, accelerated death benefit, and conditional return of premium. While you can request a quote and apply for a term policy from Nationwide online, you&#8217;ll need to speak with an agent to request a quote or submit an application for a permanent policy. <\/p><p>The insurance options include term, whole, universal, variable, indexed, and survivorship-indexed universal. Additionally, it has a tax-free death benefit and a fixed interest rate on earnings. It has a fixed interest rate on earnings and a tax-free death benefit.<\/p><h2 class=\"wp-block-heading\" id=\"h-types-of-life-insurance\"><span id=\"types-of-life-insurance\">Types of Life Insurance&nbsp;<\/span><\/h2><p>There are two kinds of life insurance: term life insurance and <a href=\"https:\/\/www.forbes.com\/advisor\/life-insurance\/whole-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">whole life insurance<\/a>.&nbsp;<\/p><ul class=\"wp-block-list\"><li><strong>Term life Insurance<\/strong><\/li><\/ul><p>This life insurance provides temporary life coverage. It expires after a particular time. It typically costs less than a whole life and lasts for a set number of years\u2014typically 10, 20, or 30\u2014or until you reach a specific age\u2014let&#8217;s say 80. Your beneficiaries might be able to receive the funds from your death benefit if you pass away during the term.<\/p><ul class=\"wp-block-list\"><li><strong>Whole-life Insurance<\/strong><\/li><\/ul><p>&nbsp;If you keep up with your payments, your coverage will continue for the rest of your life. After your death, your beneficiaries will receive the death benefit payment. People often get whole life insurance to make sure that their families will be taken care of after they die. Regardless of when it occurs, the cost of this insurance does not rise as they age. <\/p><p>Other names for life insurance include &#8220;ordinary life&#8221; and &#8220;straight life.&#8221; It provides coverage for your entire lifetime<\/p><h2 class=\"wp-block-heading\" id=\"h-common-phrases-in-life-insurance\"><span id=\"common-phrases-in-life-insurance\">Common Phrases in Life Insurance&nbsp;<\/span><\/h2><h3 id=\"1-beneficiary\" class=\"wp-block-heading\">#1. <strong>Beneficiary<\/strong><\/h3><p>The death benefit recipient under a life insurance policy is the person, organization, or trust you name as the beneficiary. If you purchase a $10,000 insurance policy and call your child the sole beneficiary, they will be entitled to $10,000 should you pass away.&nbsp;&nbsp;<\/p><h3 id=\"2-death-benefit\" class=\"wp-block-heading\">#2. <strong>Death Benefit<\/strong><\/h3><p>A death benefit compensates the beneficiary after the insured person dies. Typically, the death benefit equals the total coverage amount specified in the policy (for example, a $10,000 policy pays a $10,000 death benefit).<\/p><h3 id=\"3-face-value\" class=\"wp-block-heading\">#3. <strong>Face Value<\/strong><\/h3><p>The face value of a policy is simply the amount of insurance it provides. Consequently, a $10,000 insurance policy has a $10,000 face value.<\/p><p>Your whole life insurance policy&#8217;s cash value is an investment account that receives a portion of the premiums you pay. Therefore, the money in this account is the life insurance policy&#8217;s cash value. If you decide to cancel a policy, you may receive the cash value rather than the face value.<\/p><h2 class=\"wp-block-heading\" id=\"h-which-life-insurance-builds-cash-value\"><span id=\"which-life-insurance-builds-cash-value\">Which Life Insurance Builds Cash Value?<\/span><\/h2><p>The phrase &#8220;flexible premium adjustable life insurance&#8221; is another name for universal life insurance<strong>.&nbsp;<\/strong>It has a cash value component for saving money that increases tax-deferred. The insurance company invests part of your premiums. The investment return is credited to your policy because of tax deferral. The insurer promises a minimum return on investment when you buy universal life insurance.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-is-the-cash-value-of-a-10000-life-insurance-policy\"><span id=\"what-is-the-cash-value-of-a-10000-life-insurance-policy\">What Is the Cash Value of a $10000 Life Insurance Policy?<\/span><\/h2><p>The cash value of a $10,000 life insurance policy varies according to the policy type and insurer. In general, whole-life insurance policies have a higher cash value than term insurance policies, and older policies typically have a higher cash value than newer ones. A life insurance policy&#8217;s cash value usually equals the death benefit minus any outstanding loans or other debts against the policy. Some insurers impose a surrender fee if the policy when you cancel before its expiration date. It is best to speak with the insurer if you want an exact estimate of your life insurance policy&#8217;s cash value.&nbsp;<\/p><h2 class=\"wp-block-heading\" id=\"h-can-you-cash-out-life-insurance-before-death\"><span id=\"can-you-cash-out-life-insurance-before-death\">Can You Cash Out Life Insurance Before Death?<\/span><\/h2><p>Indeed, you can. When you withdraw money from a permanent life insurance policy&#8217;s cash value, your beneficiaries&#8217; share of the death benefit is decreased. The cash value determines how much you can expect to receive in exchange.<\/p><h2 class=\"wp-block-heading\" id=\"h-how-do-i-withdraw-money-from-my-life-insurance-policy\"><span id=\"how-do-i-withdraw-money-from-my-life-insurance-policy\">How Do I Withdraw Money From My Life Insurance Policy?<\/span><\/h2><p>There are several ways to withdraw funds from your life insurance policy:<\/p><h3 id=\"1-take-out-your-entire-cash-value\" class=\"wp-block-heading\">#1. Take Out Your Entire Cash Value.<\/h3><p> Consider the case where you have a whole life insurance policy that you have been contributing to for a while and suddenly want or need money. One option is to fully cash it out, which would give you the entire cash value that has accrued but would also require you to surrender your policy, ending the desired coverage for your loved ones. Usually, you&#8217;ll have to pay &#8220;surrender charges,&#8221; which can get expensive, especially if you&#8217;ve only had your policy for a short while. In addition, the money will probably be subject to income tax.<\/p><h3 id=\"2-withdraw-some-of-your-money\" class=\"wp-block-heading\">#2. Withdraw Some of Your Money. <\/h3><p>Another option would be to take some, but not all, of the cash value from your life insurance policy. The benefit of this scenario is that you don&#8217;t have to give up your insurance coverage; consequently, your loved ones will still receive a death benefit upon your passing, even though it will probably be less than you had intended. In this situation, find out if the money you would receive would be taxable.<\/p><h3 id=\"3-obtain-a-loan-backed-by-your-life-insurance-policy\" class=\"wp-block-heading\">#3. Obtain a Loan Backed by Your Life Insurance Policy.<\/h3><p> If you&#8217;ve had your life insurance for a while, the insurance company will frequently allow you to take a loan against the policy&#8217;s cash value. While the insurance company will deduct interest payments from your cash value balance, the money you borrow is typically not taxed. <\/p><p>If you can pay back the loan in full before your death, including interest, your beneficiaries will receive the full death benefit. However, the death benefit will be diminished by the outstanding balance plus interest if you pass away before making all payments on the loan.&nbsp;<\/p><h2 class=\"wp-block-heading\" id=\"h-what-is-the-best-thing-to-do-with-a-life-insurance-payout\"><span id=\"what-is-the-best-thing-to-do-with-a-life-insurance-payout\">What Is the Best Thing to Do With a Life Insurance Payout?<\/span><\/h2><p>Before making any significant financial decisions after receiving a lump-sum life insurance payout, it is best to give yourself a few months. You can use your life insurance payout in several ways, such as<\/p><ul class=\"wp-block-list\"><li>Clear up your debt.<\/li>\n\n<li>Put money aside for emergencies.<\/li>\n\n<li>Obtain installment payments.<\/li>\n\n<li>Growth-oriented investing<\/li>\n\n<li>Children&#8217;s education<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-how-long-does-it-take-for-a-life-insurance-policy-to-pay-out\"><span id=\"how-long-does-it-take-for-a-life-insurance-policy-to-pay-out\">How Long Does It Take for a Life Insurance Policy to Pay Out?<\/span><\/h2><p>A life insurance payout typically takes place within 14 to 60 days. The payment may be delayed for several reasons, including the cause of death, beneficiary status, and incomplete paperwork. Occasionally, more information may be needed by the life insurance company before a payout is finalized.<\/p><h2 class=\"wp-block-heading\" id=\"h-do-you-have-to-pay-taxes-on-a-life-insurance-policy-payout\"><span id=\"do-you-have-to-pay-taxes-on-a-life-insurance-policy-payout\">Do You Have to Pay Taxes on a Life Insurance Policy Payout?<\/span><\/h2><p>Generally speaking, payments made by a life insurance policy to a beneficiary after the insured person&#8217;s demise are not taxable and do not need to be reported. However, interest is subject to tax, so it must always be declared as such.<\/p><h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\">Conclusion&nbsp;<\/span><\/h2><p>When comparing the top life insurance providers before diving in and buying life insurance, it&#8217;s essential to know exactly what characteristics to look for. Life insurance is available in a variety of forms that are tailored to meet a range of requirements. Make sure you have a life insurance policy to provide for your loved ones in the event of your death.<\/p><h2 id=\"the-best-life-insurance-companies-in-the-usa-faqs\" class=\"wp-block-heading\">The Best Life Insurance Companies in the USA FAQs<\/h2><section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h2 id=\"what-is-a-life-insurance-policy\">What is a Life Insurance Policy?<\/h2>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\n<p>It is a contract between the policyholder and insurer, where the insurer guarantees to pay a certain amount to the designated beneficiary upon the death of the insured person.<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h2 id=\"what-are-the-best-life-insurance-companies-in-the-usa\">What are the Best Life Insurance Companies in the USA?<\/h2>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\n<ul class=\"wp-block-list\"><li>Bestow<\/li>\n\n<li>Nationwide<\/li>\n\n<li>State Farm<\/li><\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h2 id=\"what-are-the-benefits-of-life-insurance\">What are the benefits of Life Insurance?<\/h2>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\n<ul class=\"wp-block-list\"><li>Life insurance payout are tax-free.<\/li>\n\n<li>Financial protection for the family.<\/li><\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\n<script type=\"application\/ld+json\">\n\t{\n\t\t\"@context\": \"https:\/\/schema.org\",\n\t\t\"@type\": \"FAQPage\",\n\t\t\"mainEntity\": [\n\t\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"What is a Life Insurance Policy?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"<p>It is a contract between the policyholder and insurer, where the insurer guarantees to pay a certain amount to the designated beneficiary upon the death of the insured person.<\/p>\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"What are the Best Life Insurance Companies in the USA?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"<ul><li>Bestow<\/li><li>Nationwide<\/li><li>State Farm<\/li><\/ul>\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"What are the benefits of Life Insurance?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"<ul><li>Life insurance payout are tax-free.<\/li><li>Financial protection for the family.<\/li><\/ul>\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t\t\t\t]\n\t}\n<\/script><h2 id=\"related-articles\" class=\"wp-block-heading\">Related Articles<\/h2><ol class=\"wp-block-list\"><li><a 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to&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":269,"featured_media":85499,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[4288],"tags":[],"class_list":{"0":"post-85449","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-insurance"},"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Life Insurance Companies in the USA\u00a0 - BusinessYield<\/title>\n<meta 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