![]() It doesn’t offer an online application process (without an agent), online claim filing, or credit card payments, and information on its individual product offerings is hard to find. But if you’re seeking a streamlined online experience, Guardian falls short. Additionally, the company offers no-exam policies to eligible applicants. ![]() Guardian Life received an excellent NAIC index over the past three years, indicating it has far fewer complaints with the NAIC than expected for a company of its size. For these reasons it ranked highly for among the best whole life insurance companies, best life insurance companies for people over 50, and best senior life insurance companies. Also like MassMutual and New York Life, Guardian offers dividends to eligible whole-life policyholders and announced its largest dividend payment ever for 2023 at $1.26 billion to eligible policyholders. The only strike against Haven Life is that its term policies are not convertible to permanent coverage-an option that 89% of the best term life insurance companies we reviewed offer.Īlong with MassMutual and New York Life, Guardian is one of only nine companies we reviewed to earn a top financial strength rating of A++ from AM Best, reflecting superior financial stability. For these reasons, Haven places prominently in our review of the best term life insurance companies and best life insurance companies for young adults. Additionally, Haven Life is backed by MassMutual's A++ (Superior) financial strength rating from AM Best. And if you opt for a no-medical-exam life insurance policy, you may be approved the same day. Plus, Haven has some of the best term pricing of the companies we reviewed. But if you still need help, an agent is just a click away via live chat or you can choose to call in instead. You don't have to provide any personal information until you decide to apply, and brief educational blurbs are well-placed to guide and address any questions you may have. The quote and application processes are entirely online and easy to use. Haven Life's website is what all other life insurance websites should aspire to be. Analyzing these key categories helps us identify which life insurance companies could be the best fit for your particular life insurance needs. To choose the best life insurance companies, we evaluated dozens of life insurance providers in the following categories, giving each category a specific weight percentage based on its importance: policy types and features (21%), financial stability (17%), application process (16%), customer satisfaction (15%), customer service (14%), riders and living benefits (9%), and cost (8%). But if you need a permanent policy, are 50 or above, or are in poor health, be prepared to speak to an agent and for a longer application process (which may include a medical exam). ![]() Term life insurance is often the easiest to buy: If you're healthy and under 50, you could get a policy online in minutes. Life insurance can replace lost income, cover funeral expenses and medical bills, or pay ongoing costs like a mortgage while your estate is sorted out. But costs and benefits vary widely, depending on the company you go with, the riders that are included, and the type of policy you get. ![]()
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