Who Has Good Life Insurance? 
Who has `` good '' life insurance is a smarter question than most people will ask ! Of course what qualifies as `` good '' is relative . If a person is uninsurable by most provider 's standards and they are able to find a company that will insure them - that probably would qualify as `` good '' insurance ! Over all , for most people I would answer that the best insurance companies are the Mutual companies that pay dividends to their policy holders . Financial information is public information so it can be verified by simple research . There are independent rating companies such as Moody 's , Standard & Poor , Fitch , AM Best and Comdex . They rate insurance companies on their financial strength , their history of paying claims , length of time in business , etc. . New York Life is one of the oldest , financially strongest and with an unmatched track record of paying dividends . It also receives the highest ratings from all the rating companies . Their permanent life products are very competitively priced and pay higher cash values than most . 