Ameritas is a well-known insurance firm with a long history that offers term, whole, universal, indexed universal, and variable universal life insurance plans. Ameritas has policies to meet your needs, whether you desire basic term life insurance coverage to protect your family in the event of a tragedy or a robust policy to leave a legacy. All Ameritas insurance, however, requires medical exams, so it's not a viable choice if you have pre-existing problems or need coverage right away.

Ameritas offers customers Opportunities to connect with financial professionals. Having the advice of a financial advisor might be beneficial when considering your insurance needs. Ameritas connects prospective clients and policyholders with a network of licensed and independent financial specialists for individualized assistance. Furthermore, a variety of insurance choices are available. Ameritas offers a wide choice of coverage options, however, some businesses exclusively supply term life insurance. The term, entire, universal indexed universal, and variable universal coverage are all options. Also, you can choose one among several insurance plan options. Accidental death benefits, children's term insurance, and expedited payouts are just a few of the riders available from Ameritas to tailor your plan.

Headquarters: Nebraska, United States
Number: 4024-677-338
Website: https://www.ameritas.com/

Call now

When you want to build tax-deferred savings or benefit from guaranteed lifelong income through annuity products, American Equity Investment Life Insurance Company is the ideal option. The company provides coverage throughout the United States. American Equity is licensed and available in all 50 states, as well as Washington, D.C. Customer can choose from a variety of programs, each with its own set of benefits. There are a large number of insurance plans for you to pick from, improving your chances of finding one that meets your requirements. American Equity doesn't scrimp on extra protection, offering a variety of riders to help policyholders raise, protect, or extend their income.

Both term insurance and fixed annuity plans are available with American Equity. Based on the utilization of a popular index, an American Equity fixed annuity contract is meant to provide guaranteed lifetime income. The plans provide a guaranteed rate that will not vary for a defined period of time, as well as the ability to convert your insurance into everlasting income. This policy offers tax-deferred growth that lasts until you withdraw, as well as the opportunity to complete the IRS-required minimum distribution immediately. Under the Guarantee Series, American Equity Investment Life Insurance Company offers three-term insurance policies. Applicants must be between the ages of 18 and 85 to be considered. The beneficiary is entitled to the entire contract value in the event of death. There are usually no surrender fees in this situation, and while a lump-sum payment is the most common payout choice, American Equity may offer additional possibilities.

Headquarters: West Des Moines, United States
Number: 8662-336-660
Website: https://www.american-equity.com/

Call now

Government Personnel Mutual (GPM) Life Insurance gives federal employees customizable life insurance coverage with nationwide coverage. GPM Life provides exclusive coverage for federal employees, based on your income and deducting Federal Employees' Group Life Insurance (FEGLI) payments from your monthly payout. GPM Life offers a total of 13 riders to enable you to personalize your coverage. Final expenditure life insurance doesn't require medical examinations. When you buy a final expense life insurance policy with GPM Life, no medical exams are necessary.

Through federal group insurance plans, GPM offers term, whole life, and universal life insurance with optional last expense coverage. You will get assured set premiums for a specific term with GPM term life insurance. There are 10-, 15-, and 20-year periods available, with availability determined by your age at the time of issue. Policyholders must be between the ages of 18 and 75 to be eligible, and coverage begins at $100,000. Whole life insurance has guaranteed stable premiums, death benefits, and a cash value that grows as you become older. You can also get dividends if you invest in GPM whole life. GPM entire life insurance is available in three different plans that are Lifetime Pay, 20 Pay Life, Estate Builder.

Headquarters: San Antonio, United States
Number: 1800-9384-765
Website: gpmlife.com

Call now

The American Family Life Insurance Company is a life insurance company that sells both term and whole life insurance. Although most of its policies are available without a medical exam, coverage is limited. The American Family Life Insurance Company is probably best for people who already have auto or house insurance with them; combining life insurance coverage can save you up to 30%.

When you apply for life insurance, you will usually be asked health-related questions and will be scheduled for a medical exam and bloodwork. It can take weeks to process fully underwritten policies. If you need coverage right away, AmFam offers simple issue policies, which means you can acquire coverage without having to take a medical exam. To obtain any of their plans, several insurance companies require you to interact with an insurance agent. AmFam offers online applications for simplified term, children's whole life, and senior whole life policies. After the original term of your AmFam term life policy expires, you have the option of renewing your coverage annually.

AmFam offers both term and whole life insurance. It offers both fully underwritten and simplified issue coverage, allowing you to select the most appropriate solution for you. All other plans must be acquired through an AmFam agent, with the exception of the Simplified Term, Children's Whole Life, and Senior Whole Life plans, which can be purchased online.

Headquarters: Wisconsin, United States
Number: 1800-6926-326
Website: https://www.amfam.com/

Call now

Stonebridge Life Insurance is issued by Transamerica Life Insurance Company. It is an excellent choice for foreign nationals and anyone with international relations, as it has a strong European network. Transamerica, unlike many other life insurance companies, is licensed to sell life insurance in New York. For added international clout, Transamerica enjoys the support of its UK sister business, Stonebridge Life Insurance Company. Transamerica's Express Protect Underwriting program and the new iGO e-APP expedite the application procedure.

Transamerica Life Insurance Company, a subsidiary of Stonebridge Life Insurance Company, offers five whole, term, index universal, and final expense life insurance products in the United States. Transamerica Lifetime focuses on Transamerica's 3 Guarantees, which include a death benefit, accumulating cash value, and level premiums that will never rise as long as your policy is paid. There are short-pay scenarios with 10-year, 20-year, and 30-year level options that last until the age of 100. The Chronic Illness Rider, Critical Illness Rider, and Terminal Illness Accelerated Death Benefit Rider can be used to supplement whole life insurance coverage. Transamerica's term life insurance coverage varies from 10 to 30 years, with five-year increments offered for more flexibility. Depending on the eligibility restrictions, policies range from $25,000 to $10 million or more in coverage.

Headquarters: Colorado, the U.S
Number: 1800-5279-027
Website: https://www.stonebridge-insurance.com/

Call now

For both military service members and civilians, American Fidelity Life Insurance (AMFI) specializes in life insurance policies that feature cash accumulation. AMFI's plans are a suitable supplemental choice for military servicemembers because they don't have "war clauses," which are provisions found in most life insurance policies that restrict compensation for fatalities or injuries occurring while on active duty.

Most of the company's insurance plans include a war exclusion, which precludes benefits from being paid out if the insured person dies as a result of their wartime service. AMFI is one of the few firms that does not have a war exclusion, assuring that if you die while serving, your beneficiaries would receive the entire death benefit. They also provide military personnel with additional life insurance plans. AMFI's plans aren't meant to take the place of SGLI coverage. Rather, they are add-on policies that provide cash accumulation and increased death payments. Some AMFI policies provide you with extra options by allowing you to use the cash value of the policy to pay for college or an unexpected need. AMFI is a life insurance company that sells term, whole, and universal life insurance. However, the SGLI program is the sole way for the members to get term life insurance. Only universal or whole life plans are available to citizens wishing to purchase life insurance.

Headquarters: Oklahoma, United States
Number: 8504-567-401
Website: https://americanfidelity.com/

Call now

New York Life is a well-known life insurance firm that offers term, whole, variable, and universal life insurance policies. Unlike other firms, New York Life connects consumers with educated financial specialists who can provide individualized guidance to assist you to choose the right insurance coverage for your needs. Clients with more complex insurance needs will appreciate the more personalized approach.

By adding the Spouse's Paid-Up Option to New York Life's term life insurance, your spouse can use the funds from your life insurance policy upon your death to acquire insurance without having to have a medical exam. This is a one-of-a-kind option only accessible through New York Life. You can utilize a portion of your death benefits to pay for treatment or care with living benefits or chronic care alternatives by modifying your policy with riders. If you decide later that you want more coverage without having to take another medical test, you can use the policy buy option to convert your existing term life insurance into permanent coverage. New York Life offers numerous life insurance alternatives to select from, whether you want to protect your family after you pass away or grow wealth with a flexible policy that allows you to take advantage of market possibilities. Customers can choose from eight different life insurance policies from New York Life, each with different personalization options.

Headquarters: New York, United States
Number: 1800-2255-695
Website: https://www.newyorklife.com/

Call now

American Income Life (AIL) provides life insurance to members of labor unions, credit unions, and particular organizations, with coverage available in the United States, Canada, and New Zealand. Online policy information is extremely restricted, and coverage must be priced and purchased through one of the AIL network's independent agents.

American Income Life offers life insurance in 49 states, Canada, and New Zealand, ensuring that you can get a policy regardless of where you live in the country. (Policies in New York are underwritten by AIL's subsidiary, National Income Life.) Policyholders can add terminal illness riders to their policies at no additional cost. Many insurances also include accidental death and dismemberment (AD&D) coverage, which may be complementary depending on your organization and policy. With American Income Life, you may choose from four different life insurance plans. Because AIL often provides group plans for various unions and groups, who can choose the coverage limits and extras they want to offer to their members, your selections may vary significantly.

American Income Life term policies provide coverage for 10, 15, 20, 25, or 30 years, which might provide financial security to your loved ones if you were to pass away. Term insurance is less expensive than whole life insurance with the same death benefit, but it only lasts for the specified period. Consider a permanent whole life policy if you want coverage that lasts the remainder of your life. You'll need to consult with an agent to assess your coverage options and apply for a policy, and you'll need to take a medical exam to get this policy. American Income Life does not pay dividends on whole life policies.

Headquarters: Texas, United States
Number: 1800-4333-405
Website: https://www.ailife.com/

Call now

Kemper Corporation is an insurance firm that sells products for vehicles, property, health, and life. It sells term life insurance as well as guaranteed issue and limited pay whole life insurance through its Kemper Life subsidiary. Customers with low incomes who seek basic coverage for their loved ones are the company's target market. Policies are often for lesser sums than those offered by other businesses, and they are typically marketed by agents in the consumers' homes. The Kemper Corporation and its subsidiaries, on the other hand, have received more consumer complaints than is expected for a corporation of its size. The majority of the complaints concerned the handling of claims and policyholder care.

Kemper Life offers whole life insurance with assured issues. You may get a policy without having to have a medical exam, regardless of your health history. Some Kemper Life products are marketed by in-home salespeople, which means they will come to your home to discuss your insurance options. Kemper offers four distinct life insurance plans through its subsidiaries and Kemper Life. Because online quotes are not accessible, you must contact Kemper and request to speak with an agent.

Headquarters: Chicago, United States
Number: 877-252-7878
Website: https://www.kemper.com/

The Great Western Insurance Company provides basic whole life policies that are made specifically to cover burial costs and other final expenses. Although certain policies are guaranteed issues, persons in good health may be eligible for additional advantages like an early death benefit or a higher face value. However, the company's coverage quantities and policies are quite limited, and it has received many more complaints than is expected for a business of its size. Many clients would be better suited to buying insurance from a different company.

While insurance firms are required to provide a "free look" period, it typically lasts only 10 days. Great Western, on the other hand, gives a 30-day money-back guarantee. You'll get a complete refund of all premiums and fees paid if you change your mind and cancel your insurance within 30 days of its issue. Great Western's plans are less complicated than other insurance policies, which need medical tests and rigorous underwriting. There are no medical exams required for any of the programs. Some are guaranteed issues, which means you won't be turned down because of your medical history. This beneficial rider is included in some Great Western policies at no extra charge. All policies with a last expense plan offer accelerated death benefits, which allow you to access up to 90% of your policy's death benefit while you're still alive if you're diagnosed with a terminal illness.

Headquarters: Utah, the U.S
Number: 8009-959-010
Website: gwic.com

Call now