1. Haven Life
Haven Life has upended the traditional process of acquiring term life insurance by getting rid of the medical examination for people who qualify.
Haven Life is solely focused on term life insurance products and does not offer any permanent life insurance coverage. They are a subsidiary of Mass Mutual and have received the highest financial ratings offered by A.M.
Best and other insurance company ratings agencies.
If you are looking to get term life insurance with the least hassle and faster than any other company can offer, then Haven Life is going to be your top company.
2. Banner
One of the top insurers includes Banner Life Insurance. This company is a leader in the area of both products offered, as well as its stellar customer service. The company has been operating since 1949, and it currently holds approximately $415 billion in premiums in force.
Although Banner Life offers predominantly term and universal life products, the unique features that are inclusive within these offerings make this a company to pay attention to. For example, with Banner Life Insurance Company's term policy, individuals can apply up to age 95. This is a far cry from most other insurers that make the cut off age 65 or 75.
Banner Life possesses high ratings from the various agencies, including an A+ from A.M. Best, an AA- from Standard & Poor’s, and an A from Fitch Ratings. The company also has an A+ rating from the Better Business Bureau.
3. AIG
AIG is great at rating people who are borderline for pushing into a different rate class, due to their weight.
Here is a real life example of a 37 year old male who weight 215 lbs and is six feet tall. With Banner he was rated as a preferred policy, but AIG rated him as preferred plus saving him $3,312 over the life of the policy he chose.
source: https://www.goodfinancialcents.com/insurance-quotes/life/companies/