What Discounts Does AAA Offer? - Motor1

Posted: 20 Apr 2020 12:00 AM PDT

AAA is a company known for its helpful roadside assistance. But, did you know members get access to car insurance protection, as well? When you become a member of AAA, you can qualify for many discounts and save money on your monthly insurance premium. Just what discounts does AAA offer? We take a deep dive so you can figure out just how much you can save.

When shopping for car insurance, it's always a good idea to compare rates from multiple providers, even if you think you've found the best option. That's why we took the time to research and review the best car insurance companies in the nation. We took a look at each provider's coverage options, availability, cost, and customer satisfaction.

Read on to learn about AAA car insurance discounts, then compare it with other providers to make an informed decision. Enter your zip code below to start comparing quotes.

In this article:

What Discounts Does AAA Offer?

AAA helps drivers save money through car insurance discounts for being a good student, driving safely, being a homeowner, working in certain professions, driving a safe car, bundling policies, and driving limited miles, to name a few.

AAA Member Discount

AAA members have access to many benefits and discounts at certain retailers. That's what makes a membership so attractive to many people. Members save with hotel discounts, as well as discounts for movie tickets, car repair, theme parks, and restaurants. A AAA membership also gives you access to car insurance discounts when you remain loyal to AAA.

AAA offers a membership discount of up to five percent off car insurance rates in some locations. This loyalty discount is determined by how many full years you have maintained membership with AAA before purchasing its auto insurance.

What Discounts Does AAA Offer Students?

Some of AAA's most popular discounts are the various education discounts for students. These are based on good grades, driving skills, and location.

The AAA good student discount allows students to save up to 14 percent on select coverage when they earn a GPA of 3.0 or higher. This discount is for eligible high school or full-time college students.

Other AAA student discounts include:

Student away or distant student: This discount applies when qualified students on the policy are away at school over 100 miles from home without a car. The policyholder can get up to 46.7 percent off their rates.
Driver training: Teen drivers can save up to 4.7 percent when they complete a AAA-approved driver training course successfully.

You can also qualify for a discount if you're a member of your college or university's alumni association.

AAA Safety Inspection Discount

When you get a safety inspection on your car from AAA, you can earn a discount on your auto insurance rates. The amount of this discount will vary by location.

This vehicle inspection is meant to find hidden issues you may need to repair. Your technician will check your tires, brakes, headlights, taillights, and oil levels. Not only is earning a discount great, but it's also beneficial to remain aware of any technical problems with your vehicle.

AAADrive And AAA Onboard Discounts

Using the AAA mobile app, members can access either AAADrive or AAA Onboard depending on the state of residence. These features are designed to help you improve your driving skills and stay safe on the road. They monitor your driving habits like how fast you drive, the time of day you drive, any mobile phone distraction, and your levels of drowsiness.

First, you'll get a discount of up to five percent for simply signing up for the program. Earn up to ten percent off when all family members on the policy enroll. Then, you can earn a discount based on your safe driving. Drivers can get up to 25 percent off based on their score in AAADrive.

AAA offers a low-mileage discount after it verifies your annual mileage. That's because the less time you spend driving, the less likely you'll be to get in an accident. You can save up to 19 percent when you provide AAA with current odometer readings when requested.

What Are The Best AAA Discounts?

Because AAA is made up of several different clubs in various regions, discounts vary by club and location. Make sure to do your research and contact a local AAA agent near you to get the most accurate list of available discounts.

Here are some of the best AAA discounts for car insurance.

When you're a good driver, you can save up to 20 percent on your auto insurance policy. You must complete an approved defensive driver safety course.

AAA members can save up to 27 percent on car insurance premiums when they insure 2 or more vehicles. However, only certain coverages are eligible for this discount, and the cars must be regularly driven by policyholders.

You can save money when you combine multiple policies with AAA:

Bundle auto and home to save up to 15 percent
Bundle auto and condo to save up to 11 percent
Bundle auto and renters to save up to 3 percent
Bundle home and life to save up to 19 percent

If you're wondering what discounts AAA offers, take note of these additional savings:

Paying-in-full discount: Earn this discount when you pay your entire 12-month premium upfront. In addition to earning the discount, this ensures you won't have a lapse in coverage.
Going paperless: If you sign up for paperless billing, you can save on your AAA car insurance.
Loyalty: Earn up to five percent off after one year of continuous auto insurance coverage.
Safety features installed in your car: Earn this discount for select coverage when you have anti-theft features, motorized seatbelts, airbags, and other safety features.
Homeowners: Save up to 37 percent when you own a home.
New car discount: Save up to 30 percent when you purchase a car that's no more than 3 years old.
Discount for professionals: AAA offers discounts for drivers in certain professions. Ask your local agent how you can get up to seven percent off when you're an engineer, scientist, medical professional, educator, or CPA.

Should You Get AAA Car Insurance?

Knowing what discounts AAA offers is just one aspect to consider when shopping for a car insurance provider. AAA is a motor club with tons of benefits for its members, which vary based on location. AAA roadside assistance has a solid reputation for assisting drivers with flat tires, lockouts, running out of gas, dead batteries, and breakdowns.

It's also one of the largest auto insurers in the nation with full-coverage auto insurance options.

Auto insurance from this provider requires a AAA membership, ranging from around $50 to $100 a year. But, with the membership, you gain access to many great perks like discounts at various retailers.

AAA auto insurance comes from various providers depending on the state you live in, so coverage options vary. Members can purchase the state-required minimum coverage, but most locations also offer comprehensive and collision coverage, as well as uninsured motorist coverage, medical payments, and rental reimbursement.

Some also offer coverage for pets injured in an accident, gap coverage, and custom equipment coverage, which comes in handy if you've installed items like stereos and rims after you purchased the car.

AAA has earned above-average customer satisfaction ratings. The car insurance company also has an A+ rating on AM Best, which means it's in good financial standing to support customers. Overall, we think it's worth considering AAA when shopping for car insurance.

Always compare multiple providers to make sure you get the best rates. To save money, check out some of the cheapest car insurance providers to see if they're a good option for you.

Our Top Recommendations For Car Insurance

In addition to AAA, these companies came out on top when it comes to cost, industry reputation, coverage options, customer service ratings, and discounts. Use the tool below to start comparing car insurance quotes in your area.

State Farm is one of the biggest car insurance companies in the nation with local agents ready to help in all 50 states. It offers standard insurance coverage, as well as add-ons like roadside assistance and rideshare coverage.

State Farm auto insurance has great rates, which are affordable for drivers with a poor driving record or low credit. The company's Drive Safe & Save™ program tracks safe driving and allows you to earn a discount based on your driving habits. You can also earn a loyalty discount.

Progressive auto insurance is another nationwide brand known for offering discounts on bundling policies. Using the Name Your Price® tool, you can build a policy around the price you want to pay. Progressive has great coverage options, including add-on protection like rideshare coverage. This company is incredibly transparent with rates, as it allows you to compare many providers online.

Geico car insurance is well-known in the industry, thanks to that little green gecko. The company is another one of the largest providers with service available in all 50 states. You can save money by bundling home and auto insurance. You can also qualify for discounts like being a safe driver or a student. Geico offers vast options for automobile coverage, as well as coverage for boats, ATVs, and motorcycles.

Best Life Insurance Companies of 2020 - MONEY

Posted: 24 Mar 2020 12:00 AM PDT

Just thinking about life insurance can be unnerving for many people. It's a reminder that you or someone you love will eventually pass away.

Uncomfortable thoughts like these can push buying life insurance farther down your to-do list.

But the possibility of an unexpected death is exactly why you need coverage. If you have loved ones who rely on your income, life insurance can help protect them and alleviate financial stress at the time of your passing.

The Best Life Insurance Companies

With that in mind we've done the research, and here are the top 5 best life insurance companies of 2020:

AIG Direct: This huge company has strength, stability, and flexibility.
Health IQ: Your good health can lower how much you pay for coverage.
Bestow Life: Find top-notch coverage at a great price with no health exam if you're young.
Ladder Life: For shoppers who want the flexibility to tailor life insurance for their specific needs.
American National: Offers a broad selection of riders to customize your coverage.

AIG Direct: Strongest Financial Ratings

By life insurance standards, AIG Direct is relatively young having opened in 1995.

Since then, AIG Direct has grown into one of the largest life insurance companies around. AIG Direct maintains an A rating from A.M. Best.

AIG Direct offers a full line of life insurance products, including universal life insurance, whole life insurance, accidental death insurance, and more.

Its most popular option is term life insurance, which can save you money because the coverage is temporary, lasting from 10 to 30 years.

AIG Direct offers three different versions of term life insurance:

Level (or standard): You pay the same premiums and keep the same coverage throughout your term.
Renewable: When your term expires you can keep the coverage by renewing at a higher price.
Convertible: Allows you the option of trading your policy in for permanent life insurance when your term expires.

The company also provides a range of different riders, which are optional add-ons that can customize your policy.

For example, with AIG Direct you can choose a "quality of life" rider that allows you to start drawing from your insurance before you pass away if you're ever diagnosed with a critical, chronic, or terminal disease.

If you're a little unsure about life insurance and you want to learn more about it before purchasing a policy, AIG Direct provides a number of helpful articles on insurance products, including how to determine the best type of policy for you, how to calculate the amount of coverage you'll need, and many more topics.

How to buy: You can get a quote and buy a policy online. If you like a more personal touch, contact an agent via AIG Direct's Quote Hotline.

Health IQ: Best for Health-Conscious People

Avid exercisers like Health IQ because this company can save them a lot of money.

The agency's name can be a little confusing. The name Health IQ refers to the company's innovative underwriting procedures which lead to the savings.

A sophisticated quiz developed by leading experts and health researchers will help the company find your Health IQ.

But you won't see questions about how much you exercise and how much you weigh. Instead, the questions will discern your knowledge about health and wellness.

The company's research has found a correlation between knowledge about health and actual health.

This innovative approach could save you up to 41 percent off standard life insurance rates.

You can also qualify for lower rates by proving you're active — by participating in a competition or running a mile within a certain amount of time, for example.

Rewarding healthy people doesn't stop with physical fitness with Health IQ. The insurer offers similar plans for diabetics who manage their condition successfully. They could save up to 38 percent on premiums compared to other insurers' rates for diabetics.

Customers rave about Health IQ's good customer service from friendly agents, part of the reason why it has a five-star rating on TrustPilot.

Bestow: Best for No Medical Exam

Needles and medical exams make a lot of us squeamish, but the medical exam is key to getting affordable rates.

Bestow Life offers a workaround. The agency uses proprietary algorithms to judge your health level without the exam.

That means no nurses, no needles, and no handing your blood samples over to a faceless corporation.

Skipping the exam also speeds up getting coverage. It can take weeks to go through the full underwriting process for a typical life insurance policy, but with Bestow's exam-free application, you may be able to finish applying for a policy in as little as five minutes.

The whole application process is online, unlike other insurance companies that offer an online quote and then refer you to an agent to complete the process.

Need help along the way? No problem. You can contact Bestow's insurance agents either by phone, email or live chat.

It's a business model that plenty of people are happy with, but note that this convenience may come at a price: you may be able to qualify for cheaper rates on life insurance by going through a medical exam with another insurance company, although it's still worth it to get a quote from Bestow to see if this applies to you.

Bestow only sells term life insurance in two flavors: short term life insurance for two years, or longer term life insurance for either 10 or 20 years. That's a smaller offering than many other life insurance companies, which typically also offer permanent or whole life insurance.

Bestow works directly with one company, the North American Company for Life and Health Insurance, which itself has an A+ rating from A.M. Best.

Change your mind about the policy? Bestow offers a full refund within 30 days.

Ladder Life: Best for Flexible Coverage

Term life can save you a ton on premiums compared to permanent insurance. But your coverage stays the same throughout your term. What if your needs change?

For example, you may pay off some big debts, which could decrease the amount of life insurance you need. Or maybe you have a baby which increases your coverage needs.

You can always buy more insurance, but you can't buy less—unless you go with a life insurance company like Ladder.

Ladder sells only term life insurance policies from 10 to 30 years, but you can increase or decrease your coverage online without paying additional fees.

What's more, the price you pay for a given insurance amount won't ever change during its term with Ladder's "Price Lock Guarantee."

The quote and application process is all done online, which means you can get a quote and purchase a policy within minutes – no medical exams needed. Ladder's insurance agents don't work on commission, so they won't try to upsell you a policy with coverage you don't need.

If you need help during the process you can get information via live chat. Ladder's 30-day money-back guarantee gives you the option of canceling the policy if you find it's not the right fit for your needs.

To offer this life insurance, Ladder has partnered with Fidelity Security Life Insurance Company, which carries an A.M. Best rating of A.

If you opt to have your policy renew at the end of its term, the policy will be underwritten by Hannover Life Reassurance Company of America, which carries an A.M. Best rating of A+.

American National: Best for Riders

It may not be the flashiest insurance carrier out there. After all, it's an old-school company, having been founded over a century ago in 1905.

But American National Life Insurance offers a more robust assortment of products than most carriers, and the coverage has earned an A rating from A.M. Best.

You can buy term life insurance as either short-term annual policies, or longer-term policies lasting from 5 to 30 years.

American National also offers whole life insurance policies, universal life insurance policies, and guaranteed universal life policies, among other options.

Along with its variety, American National made our list because of its wide range of optional riders. For example, you can purchase disability riders, accelerated benefit riders, and guaranteed cash-out riders to help your coverage adapt to your changing needs.

As a full-fledged insurance company, American National not only offers a large variety of life insurance products but also a full line of insurance policies – from home, auto and health insurance, to specialty products like credit life and disability insurance, guaranteed asset protection, and more.

If you're looking for more than just life insurance, but you'd like to stay with one company, American National may be the best choice for you.

How We Found the Best Life Insurance Companies

The best life insurance companies offer measurable advantages over their competition. We used these criteria to choose our winners:

A.M. Best Rating of A or Better

Life insurance works differently than other types of insurance because it's a long-term commitment. You don't want to lock in your premium now, based on your current age and health, only to have the life insurance company fold later.

That's why we selected companies with a strong financial footing, as measured by A.M. Best, a credit rating company for insurance companies.

Companies that have an "A" rating or better are among the most solid life insurance companies you'll find. These companies should be around for the long haul.

Strong Online Presence

More and more people use their smartphones to take care of personal business such as buying life insurance.

All of our best companies offer a strong online presence and make getting quotes and buying policies easy online.

We also favored insurers with multiple avenues of contacting company representatives for assistance if necessary.

Unique Business Models

After a while, insurers start to seem the same, especially once you've weeded out companies with less financial stability.

So we also favored companies that have embraced new technologies to connect you with quality coverage.

Often, these companies still partner with older, time-tested life insurance companies which pairs a stable financial backing with the new tech-driven underwriting. We think it's a win-win combo.

Choosing the Right Type of Life Insurance

To find the best life insurance company for you, it helps to know exactly what type of insurance you need.

Knowing the difference between whole, term, and universal life insurance — and knowing which riders you might actually use — can narrow your search for the best policy.

Here's a breakdown of the basic types of insurance. Which type would best meet your needs? Let's find out.

Term Life Insurance

Term life provides a fixed death benefit for a specified period of time.

Let's say you buy a $25,000 policy for a period of 10 years. If you pass away during those 10 years, the death benefit would be paid to your survivors. If you lived beyond the 10-year term of the policy, your coverage expires and no benefits would be paid.

Term insurance policies almost always cost a lot less than other kinds of insurance because your insurer takes less risk. You can buy a lot of coverage for a smaller amount of money.

Some insurance providers let term policyholders renew their coverage for a new term, but the premiums will be more expensive because they're based on your age and health when you renew.

Your policy's term could range from 1 to 30 years. Most term policies last at least 10 years. Others can be tied to a specific age (commonly 65).

There are two basic types of term insurance policies:

Level Term policies mean that the death benefit stays constant during the full term of the policy.
Decreasing Term means the death benefit goes down, normally in one year increments, during the term of the policy.

Some insurance companies may also provide a "return of premium" feature. If you outlive your term, this feature could refund your paid premiums. This feature will add significant cost to your coverage.

Permanent Life Insurance

Permanent life insurance covers a variety of policy types, all of which can span the rest of your lifetime.

Just like term life, permanent life policies can pay a lump sum of money to your survivors when you die. Unlike term, permanent policies also accrue their own cash value over time.

This cash value could be withdrawn, borrowed against, or in some cases used to reduce the amount you pay in premiums to keep your policy.

Premium payments on permanent life insurance policies are almost always significantly higher than those for term life insurance policies, so these policies may not be the best option if you are on a tight budget.

Here are a few common types of permanent life insurance:

Whole Life Insurance: This most common type of permanent life insurance allows you to lock in a fixed-rate premium for the life of the policy. The savings portion of the policy will accumulate cash value at a fixed rate, much like a savings account, and interest earned is usually tax-deferred.

Universal Life Insurance: This permanent coverage also provides a death benefit and accumulates value, but universal life offers a lot more flexibility than typical whole life. A universal policy's cash value can interact fluidly with its coverage. As a result you could adjust the amount of your death benefit or use accumulated cash to reduce premium payments later in life. However, once the cash value amount is gone, you either start paying the premiums again or the policy may lapse. People who want the stability of a fixed premium but the flexibility to change the amount of coverage over time should consider universal coverage.

Variable Universal Life Insurance: Variable universal life insurance features flexible minimum and maximum premium payments but with a twist: You could invest the cash portion in insurance company-managed mutual funds. Your cash component could grow — or decline — depending on the performance of the funds. Many companies will cap your policy's potential gains and also absorb some of your policy's heavy losses.

Indexed Universal Life Insurance: The cash value component of this policy connects to a stock index such as NASDAQ or the S&P 500. Your cash can grow or decline along with the broader market.

Types of Life Insurance Riders

A rider adds benefits or amends the provisions of your life insurance policy, making your coverage more flexible.

Common riders include:

Accelerated Death Benefit: If you became terminally ill, this rider would let you access your death benefit early to pay for medical care.
Long-term Care Provisions: You could access your death benefit early to pay for assisted living or other long-term care.
Premium Waivers: You could keep your coverage even without paying premiums if you became disabled and couldn't work. These waivers tend to be temporary.
Benefit Exclusions: Riders could even prevent your insurer from paying your death benefit if you died from specific causes.

Riders also add cost to your premiums, so try to avoid adding too many. You can add riders only when buying your policy. You can't add them later.

Life Insurance FAQs

We get a lot of questions about life insurance. Here are some of the more common questions and their answers:

What's the difference between whole & term life?

A term policy expires after a set period of time, while whole life insurance is permanent and accumulates a cash value that consumers can borrow against. Many financial experts recommend term life insurance for the average family since that is adequate for most needs.

Is whole life insurance a good investment?

Whole life insurance is often sold as an investment, but it comes with much higher premiums than term policies. And if you simply want to invest your money in the stock market, buying low-cost index funds is a cheaper way to go. In and of itself, life insurance isn't a good way to invest money.

Will I need a medical exam to get coverage?

Most life insurance companies will require you to take a free, in-home medical exam as a part of the application process. You can avoid the medical exam but doing so normally makes your coverage a lot more expensive, especially if you're healthy enough to qualify for low premiums.

How much life insurance should I buy?

There are many ways to estimate how much life insurance you need, such as purchasing a policy worth 10 to 12 times your income or estimating the expenses and debts that need to be covered if you die with those obligations. This topic is important enough to expand on below.

Do I really need life insurance?

Not everyone needs life insurance — if no one would be harmed financially by your death, it may not be for you.

How Much Life Insurance Do I Need?

While having the right life insurance provider is important, so too is buying the right amount of insurance. Too little, and your loved ones won't be fully protected. Too much, and you'll be overspending for years to come.

Rich Kasparian, financial advisor and president of Garden City Financial Group, says you should consider your debts and your assets when you choose a life insurance policy amount.

He suggests buying enough coverage to replace your income for years to come.

"There's a misconception about insurance that, instantly, the beneficiary gets the money and then just pays every bill off," he said. "That's all well and good but if they have no money left after paying the bills it doesn't really help them."

Luckily, there are a few different methods for deciding how much to buy.

Rule of Thumb: 10 to 12 Times Your Income

At a bare minimum, many financial experts recommend a quick back-of-the-napkin calculation: buy coverage equal to 10 to 12 times your annual income.

For example, if you make $50,000 per year, you'd need to purchase $500,000 to $600,000 worth of life insurance.

This is a good starting point for most people, but realize your actual needs might vary.

For example, if you're debt-free with no children and your spouse earns more than you do, you may not need as much life insurance as this. That's why many experts recommend crunching the numbers as a better approach.

Tally Up Your Financial Obligations and Savings

Unless you're getting fancy with high-net-worth estate planning, most life insurance has a specific purpose: to provide financial support for your loved ones upon your death.

For most people, this means paying off any debts, paying your children's college tuition, and providing a supplemental income to keep your family afloat in the absence of your regular paycheck.

You may also consider funding your funeral expenses, budgeting enough money for your spouse to take bereavement leave without having to worry about going back to work immediately, and including the costs of raising a child until age 18.

Case Study: The Smiths

Meet the Smiths, a hypothetical family with a set of twins and two working parents who each earn $50,000 per year.

If the Smiths have $500,000 worth of mortgage debt, $10,000 worth of car loans, and $50,000 worth of student loans, their total debt is $560,000. The Smiths also want to save $20,000 each for their kids' college education, and expect that a funeral would cost $10,000.

So the Smiths tally up their financial obligations: $560,000 of debt, $40,000 in anticipated college savings, and $10,000 in funeral expenses, for a total of $610,000.

In addition, the Smiths want to provide enough income for the other spouse to live on for a full five years if they choose (add on $250,000), and enough money to raise their two children to age 18, from their current age of five.

The USDA estimates it costs $14,000 per year to raise one child, so the Smiths will need an additional $364,000 to raise their children.

Adding up all these expenses, and the Smiths estimate that they'll each need a life insurance policy worth about $1.25 million.

Use a Life Insurance Calculator

You can also take a shortcut and use a life insurance calculator, which are available for free on many life insurance company websites as well as other insurance advice websites.

If you opt for this route, try using several calculators and taking the average life insurance amount so that you're getting the best estimate.

Using a life insurance calculator can provide a better estimate than a rule of thumb, but it may not be as accurate as calculating how much you need yourself, or even asking for professional help.

Still, it's a reasonable alternative and will give you an idea of how much coverage you'll need to buy.

Ask a Financial Advisor or Life Insurance Agent

The best way to find out how much insurance you need is to ask a life insurance agent, or even better, an independent financial advisor.

While agents are essentially salespeople for life insurance policies, they can still be able to help you find a policy that meets your needs.

An independent agent — one who doesn't work for a specific insurer — has the most freedom to help you.

Financial advisors often receive a commission based on the investments they manage for you, but you can find a fee-only financial advisor.

These financial advisors provide unbiased financial advice for a flat fee, and they can help you determine how life insurance fits into your larger financial picture.

"It makes sense to talk to a financial advisor that can assess your needs based on your assets and on your family dynamics," Kasparian said.

Review Your Policy Regularly

This may not sound like fun, but it should be a part of your financial or estate planning.

You should review your life insurance policy regularly to make sure the coverage you initially chose is still the right one for your needs.

Circumstances in life can change. Events like getting married (or divorced), having children, and buying or selling a house can all affect how much insurance coverage you need or the number of beneficiaries you have designated on the policy.

"I generally say to customers that if there is a life-changing issue, anything positive or negative," says Kasparian, "that's when it needs to be reviewed."

In fact, according to the Insurance Information Institute, you should make a habit of reviewing your policy once a year – this way you won't forget to do so if a major event does occur in your life.

Having life insurance is important. The buying process can be confusing, but the right information makes the process much smoother — and you'll be able to choose the best options with confidence.

How Can I Afford Life Insurance?

Life insurance costs will be higher for a shopper with health problems or someone who's 45 or older.

Because of this fact, some people assume they'll never be able to afford coverage, especially if they've had health issues in the past, Kasparian says.

Yet many companies can evaluate your condition and, in most cases, still be able to provide coverage. These companies will evaluate the risk presented by those suffering from conditions like cancer, diabetes or heart disease, decide the risk is acceptable, and provide coverage.

Premiums may be higher, but having the protection of a life insurance policy for your family is worth the investment.

Younger shoppers who are healthy often feel intimidated by the potentially high cost of life insurance. In fact, according to LIMRA's 2018 Insurance Barometer Study, Millennials estimated the cost of life insurance at five times its actual price.

While people habitually overestimate its cost, in reality, life insurance doesn't have to be that expensive, especially if you purchase a policy early on.

Thanks to new technology, you can get quotes and buy coverage more quickly than ever online.

In fact, almost half of adults looking for life insurance in 2018 researched purchasing it on the internet, according to the LIMRA survey.

"To me, insurance really mostly serves the purpose of protecting loved ones," Kasparian said. Losing a loved one is hard enough without finding out you'll have to leave your home, he added.

Summary: Best Life Insurance Companies

AIG Direct: Best for financial strength
Health IQ: Best for health-conscious people
Bestow: Best for no medical exam
Ladder: Best for flexible coverage
American National: Best for add-on rider options