What Is A Good Life Insurance Company? 
A good life insurance company for you is the one that will give you the best rates . I mean , the bottom line is that you do not want to overpay for coverage , right ? Underwriting drives the purchase of life insurance . Which company will underwrite you most aggressively ? It has to be a company that has a sophisticated understanding of the risk you represent , and a comfort level with being aggressive in applying their underwriting guidelines . Lets suppose you unfortunately have diabetes . Your broker would have to find you a company that is very competitive in underwriting diabetics . The same applies for people who have hepatitis , and a cancer history , and heart disease , and who climb mountains , and who scuba dive , etc. . Companies vary widely in their willingness and capability for taking on different risks at a good price . And this can change over time . The company that was good for people who are overweight last year , may not be the best one this year . Not only that : even a company who is usually good for your underwriting risk , may not be the right company for you at this time . Like every other business , life insurance companies can have ebbs and flows in their level of service . They may be short-staffed . They may be experiencing a huge backlog of cases . There may be a merger or an acquisition in the wind which will affect their underwriting decisions . Then again , there could be factors that would work in your favor . A company may want to close out the year with an influx of good business , and make you an exceptional offer . Sometimes they make just want to make a business decision and take your case because they like it . If your broker prequalifies you properly , all these factors will be addressed . Youll be confident that youve chosen a good company . 