1) Check the companies in your area.
2) Find out their AM Best ratings.
3) Look up their name in Better Business Bureau to get details about the company and how many complaints they receive and resolve. (I use this to find out if their customer service is good or not).
4) Call the company to have an agent come over to get a quote. You should also ask bunch of questions to each of them such as what kind of life policy do they own. Don’t ask for recommendation since they want to sell you the most expensive life product there is. Ask to see their life policy and ask them to explain the terms in the life policy. (You should write these terms down and search them on the internet to find out what they mean and what they do).

I personally own a 30 year term through Primerica and also setup my Roth IRA there as well.

It depend what type of insurance you would like to buy, If you want to buy Term life only, you can buy from any where, don’t buy VUL insurance, will cost you more later on, If Whole life that you looking for, than you buy from mutual company, not from stock company, mutual company like Massmutual, New yoke life, north west mutual, this big three are good enough to you, holp that help you.

Dont do the comparison shop website, all kinds of losers will be pestering you for the next two months.

Talk to 4 companies on an individual basis.

Never talk to Primerica

If you have any health problems be upfront in the beginning, it can save you a lot of problems.

Also check JD Power or Consumer Reports for customer service and claims ratings as well as the ambest financial strength standings.

I like the following companies for life:

New York Life
MetLife
Prudential

If you are nonstandard theres going to be some other options that you need to look at

I suggest you do talk to Primerica. Check any viable rating service and Primerica is A+. Primerica is one of two companies that paid out life policies During 9/11. Also Primerica will educate you on insurance, set up a FREE detailed financial plan and educate you on planning for retirement and on your mortgage. If you sit down 30 minutes with a Primerica agent, you will see why Primerica is disliked by its competitors. All term insurance is not the same. Even if you don’t go with primerica, make sure you ask your agent (1) How does the policy pay out? (2) Is it garuanteed renewable? (Primerica is) (3) Will the policy payout if I die within two years? (4) and will I have to convert the policy into a whole life policy. As an agent, these are the main things that are not explained to my clients by their old agent. Which is why they switch to us. Remember, buy term and invest the difference!

There are a number of ways in which to evaluate a company. First, you should consider the financial strength, performance, and integrity of a life insurance company. You should only consider those that have a rating of A, A+, or A++ by A. M. Best. Why? Because you want to make sure that the company will be around to pay out the claim.

If you’re realitively healthy, then you should be fine and it will be easy to find the lowest rate among companies. However, let’s say you have a little health condition. Not all carriers treat different health conditions the same. So one may give you a more favorable rate over another. In a case like this, I’d recommend shopping around. There are several online quoting firms out there that can help you find the best product for the money. I hope that helps.

you have to compare