Which Life Insurance Companies Are The Best? 
There are many excellent life insurance companies to choose from and the `` best '' is very subjective . One way to rate companies is by the financial ratings from AM Best or a similar rating company . I personally only use A rated companies or better , so my clients can feel confident that the life insurance company will be around 20 - 30 years or longer when the policy is needed . Many life insurance companies have been around over 100 years which is another testament to a stable company . A company may be the best for you because they offer a particular product with a unique rider that you want . Finally , a company that provides a better health rating , and therefore lower premium for your situation , may turn out to be the best for you . All of the above are reasons to work with a knowledgeable advisor to help you sort through the options and find the best company for your particular situation . 