I recently started a family and want to ensure my loved ones are financially protected if something were to happen to me. I’m overwhelmed by the options and unsure which life insurance companies are the best for comprehensive coverage, affordability, and reliability. Can anyone share their experiences or recommend top-rated life insurance companies? I’m looking for guidance to make an informed decision.
Among the most respectable businesses is NYL. The business is excellent overall, but that doesn’t imply the agent is.
You continue to do your research.
Depending on your age, think about a 25- or 30-year term (the idea is to be retired when your term ends). About 30 carriers fall into the 20–25/mo range for the top classes for a 36-year-old guy with a 500k of a 20-year term (Guardian and MassMutal have the same ratings as NYL).