If you’re on the market for a good life insurance policy, your best bet is to review the company. Find out how good their customer service is, gauge the consumer experience and determine the insurer’s financial strength. It’s a good idea to shop around for a policy that suits you. We’ve outlined the key features of four top life insurance companies to help kickstart your search in 2022.
Haven Life
There are several great things about this company. For starters, it boasts an accelerated underwriting process. They use an advanced algorithm and data management system to assess your insurability, so you’ll save a lot of time. You can apply online and submit your application in just 25 minutes. If you’re looking for instant coverage, Haven Life starts your term life insurance coverage the same day you apply. If you’re approved, you can apply for up to $1 million in term coverage without even taking a medical exam.
Guardian
Unlike Haven Life, Guardian offers term, whole, and Universal Life insurance. Besides the range of standard policies, it also offers term and whole life insurance for people who live with HIV. If you apply for this kind of insurance, you will have to meet certain eligibility requirements. The website allows you to get a quote online. You can move between different coverage amounts to see an estimate of your premium without having to enter any contact information into their website.
AARP
You must be over 50 to take advantage of AARP’s term and whole life insurance policies. AARP boasts of a simple underwriting process that negates the need to take a medical exam. If you’re an AARP member already and are between the ages of 50 and 80, you can apply for the guaranteed acceptance life insurance policy. This policy doesn’t consider your health at all. With an AARP policy, your coverage can go up to $25,000, and your premiums stay the same.
Fabric
Our fourth pick is Fabric which offers term insurance and has a great online presence with an easy use website and a live chat. You can complete your application in an efficient 10 minutes. Fabric policies are only available to applicants under 60.
