Best Life Insurance for After a Heart Attack in 2025 (Top 10 Companies Ranked)
The best life insurance after a heart attack comes from Mutual of Omaha, Prudential, and AIG, with rates starting at $47/month. These companies provide low costs, easy approval, and personalized and flexible plans, which give peace of mind to individuals recovering from a heart attack.

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Jeff Root
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Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Dec 23, 2024
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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Company Facts
Whole Policy for People with Heart Attack
A.M. Best Rating
Complaint Level


Company Facts
Whole Policy for People with Heart Attack
A.M. Best Rating
Complaint Level

The best life insurance after a heart attack comes from Mutual of Omaha, Prudential, and AIG. Rates start at $47 per month, and Mutual of Omaha is the top pick for its low rates and strong coverage. These rates make it easier for people to get the protection they need at a reasonable price. All these companies offer great options, giving people security after a heart attack.
Our Top 10 Company Picks: Best Life Insurance for After a Heart Attack
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 10% | A+ | Flexible Coverage | Mutual of Omaha | |
#2 | 8% | A+ | Loyalty Advantage | Prudential | |
#3 | 12% | A | Wellness Rewards | AIG | |
#4 | 7% | A+ | Healthy Applicants | Banner Life | |
#5 | 5% | A+ | Wellness Policies | John Hancock | |
#6 | 5% | A+ | Financial Security | Transamerica | |
#7 | 10% | A+ | Long-Term Security | Pacific Life | |
#8 | 10% | A+ | Affordable Options | Protective Life | |
#9 | 6% | A | Flexible Terms | Lincoln Financial | |
#10 | 5% | A+ | Guaranteed Coverage | Gerber Life |
Choose from these trusted companies for peace of mind. Each company has plans to fit different needs and budgets. Review our guide, “Types of Life Insurance: Find the Right Policy for Your Needs,” for more information.
Simplify your life insurance shopping by entering your ZIP code into our free quote comparison tool and find coverage that fits your budget and needs.
- Mutual of Omaha offers the best life insurance after a heart attack
- AIG and Prudential also provide strong policies with great coverage
- Rates start at $47/month, making these providers great option for insurance
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#1 – Mutual of Omaha: Top Overall Pick
Pros
- Coverage After a Heart Attack: Mutual of Omaha offers good insurance plans after a heart attack.
- Low Starting Rate: Coverage costs $48 per month, making it affordable for many after a heart attack.
- Strong Reputation: Mutual of Omaha holds an A+ rating from A.M. Best, showing it is a reliable option after a heart attack and financially strong.
Cons
- Limited Discounts: The 10% bundling discount after a heart attack is smaller than other providers offer. For more details, see this “Mutual of Omaha Life Insurance Review” guide.
- Premium Changes: Rates may increase over time due to health, even for basic coverage after a heart attack.
#2 – Prudential: Best for Loyalty Advantage
Pros
- Suitable for People with Heart Conditions: Prudential is flexible with policies for those who have experienced heart attacks.
- Loyalty Perks: Offers an 8% bundling discount and benefits for long-term customers after a heart attack. Read this “Prudential Life Insurance Review” guide to learn more.
- Strong Financial Rating: Prudential has a strong financial rating of A+ from A.M. Best, making it a great option if you’ve had a heart attack.
Cons
- Higher Starting Premium: The term coverage costs $60/month, which may be high for people after a heart attack.
- Complicated Choices: Some people who experience heart attacks find the many policy options hard to understand.
#3 – AIG: Best for Wellness Rewards
Pros
- Support for Heart Health After a Heart Attack: AIG has policies for people who have had heart attacks. For details, read this guide, “AIG Life Insurance Review. ”
Wellness Benefits: Unique wellness programs can help policyholders save money and stay healthy after a heart attack.
Reasonable Rates: The term coverage after a heart attack starts at $53/month, which is reasonable for the protection it provides.
Cons
- Whole Coverage Can Be Expensive: The entire coverage cost is $168/month, which may be too high for some people who experienced heart attacks.
Detailed Health Checks: The health assessment for heart conditions can be stricter for lower premiums.
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#4 – Banner Life: Best for Healthy Applicants
Pros
- Insurance for Those with Heart Issues: Banner Life helps people get reliable life insurance after a heart attack.
- Lowest Starting Rate After a Heart Attack: The minimum coverage after a heart attack is just $47/month, making it very affordable.
- Trusted Financial Stability: Banner Life’s A+ rating from A.M. Best indicates it’s a safe choice for people after a heart attack.
Cons
- Smaller Bundling Discount: The 7% discount offer after a heart isn’t as high as some other companies offer. For help, look at this guide, “Banner Life Insurance Company Review. “
- Higher Whole Coverage Cost: The coverage costs $184 per month, which may be a stretch for some budgets, especially after a heart attack.
#5 – John Hancock: Best for Wellness Policies
Pros
- Good Coverage for Heart Attack Survivors: John Hancock offers policies that fit people who have had heart attacks.
- Wellness Programs: These programs help policyholders live healthier lives and lower their premiums after a heart attack.
- Flexible Policy Options: After a heart attack, the company offers different options to fit individual needs. See this “John Hancock Life Insurance Review” guide for more info.
Cons
- Higher Starting Rate: The term coverage starts at $59/month, which may be expensive after a heart attack.
- Lower Bundling Discount: The 5% bundling discount is low for people who have experienced a heart attack.
#6 – Transamerica: Best for Financial Security
Pros
- Policies for Heart Attack Survivors: Transamerica has reliable coverage for people after a heart attack.
- Savings with Bundling: A 5% discount when combining policies can help save money after a heart attack. Learn more in this guide, “Transamerica Life Insurance Company Review.”
- Strong Financial Standing: The A+ rating indicates that it is a reliable company, even after a heart attack.
Cons
- Average Starting Rate: The minimum coverage is $57/month, which isn’t the lowest offer for people after a heart attack.
- Whole Coverage Costs More: It costs $198/month, which can be high for people who have had a heart attack.
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#7 – Pacific Life: Best for Long-Term Security
Pros
- Good for People with Heart Issues: Pacific Life has long-term policies that work for people who have had a heart attack.
- Solid Financial Rating: An A+ rating from A.M. Best ensures financial stability and trust, which is especially valuable after a heart attack.
- Low Starting Premium: Monthly coverage after a heart attack starts at $56. This guide, “Indexed Universal Life Insurance,” provides more details.
Cons
- Whole Coverage Price: The monthly coverage rate is $205, which might not fit everyone’s budget after a heart attack.
- Limited Discounts: For some people, the 10% bundling discount might not be enough to manage their expenses after a heart attack.
#8 – Protective Life: Affordable Options
Pros
- Great for Heart Attack Survivors: Protective Life offers insurance for people with a heart attack history.
- Low Starting Rate: The term coverage is $52/month, making it budget-friendly for people after a heart attack. For more, see this “Protective Life Insurance Review” guide.
- Strong Financial Standing: The A+ rating ensures the company is financially secure for people experiencing a heart attack.
Cons
- Lower Bundling Discount: The 10% discount is not the highest offer after a heart attack.
- Whole Coverage May Cost More: The $187/month whole coverage insurance rate might be too high for some people after a heart attack.
#9 – Lincoln Financial: Best for Flexible Terms
Pros
- Covers People with Heart Conditions: Lincoln Financial has many options for those who have had a heart attack.
Flexible Options: After a heart attack, the Lincoln plan allows you to adjust the terms to fit different needs and budgets. For details, see this “Royal Neighbors Final Expense” guide.
Trusted Financial Strength: An A rating from A.M. Best shows it’s reliable for people who have experienced a heart attack.
Cons
- Higher Starting Rate: The term coverage rate costs $51/month, which may be expensive after a heart attack.
- Whole Coverage Price: It costs $176 per month, which may be a bit high for people who have experienced a heart attack.
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#10 – Gerber Life: Best for Guaranteed Coverage
Pros
- Easy Coverage for Heart Attack Survivors: Gerber Life offers guaranteed coverage for heart attack survivors.
- Low Starting Rate: The term coverage costs $62/month, suitable for essential protection after a heart attack.
- Good Financial Rating: With an A+ rating, Gerber Life is reliable for people who have experienced a heart attack. Learn about it in this guide, “Gerber Life Insurance Review.”
Cons
- Higher Whole Coverage Cost: After a heart attack, the $192 per month whole coverage might not be affordable.
- Limited Customization: The policy may offer fewer customization options for people after a heart attack.
Heart Attack Facts
According to the CDC, heart disease is a leading cause of death in the U.S., with about 647,000 people dying from heart attacks each year—one in four deaths. A heart attack occurs approximately every 37 seconds.
Review your policy's exclusions and limits before filing a claim to ensure complete protection after a heart attack.Eric Stauffer Licensed Insurance Agent
Heart attacks result from blocked blood flow to the heart, often caused by fatty deposits or cholesterol buildup in the arteries. Risk factors include high blood pressure, high cholesterol, smoking, obesity, diabetes, inactivity, and excessive alcohol use.
After a Heart Attack Life Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Term Policy | Whole Policy |
---|---|---|
$53 | $168 | |
$47 | $184 | |
$62 | $192 | |
$59 | $214 | |
$51 | $176 | |
$48 | $163 | |
$56 | $205 | |
$52 | $187 | |
$60 | $219 | |
$57 | $198 |
Prevention includes a healthy diet, regular exercise, stress management, and avoiding smoking. Recognizing chest pain, shortness of breath, and discomfort in the arms, back, or jaw can help ensure timely medical care. To gain more information, access this guide, “How a Pre-Existing Conditions Affects Life Insurance. ”
Types of Life Insurance You Might Qualify For
There are several types of life insurance you might qualify for following a heart attack. These options include term life, which offers lower premiums, and whole life, which provides lifelong coverage. Guaranteed issue policies have no medical exams but higher premiums and lower coverage. View this “No Exam Life Insurance” guide for more information.
Types of Life Insurance
Type | Description |
---|---|
Term | Life insurance that covers you for a specific period of time (e.g. 20 years) |
Guaranteed Whole | Life insurance that covers you for the remainder of your life, usually available to people over 50 |
Universal | A flexible type of permanent life insurance |
Critical Illness | A life insurance rider that allows you to get benefits while still alive to help defray medical costs |
As the above table shows, there are many different life insurance plans available. When it comes to life insurance, different policies cater to different needs and situations, especially for those with heart issues. Here’s a brief look at the options available.
- Term Life Insurance: It is affordable but limited to a set term. Medical exams may lead to higher rates or denial, especially for heart issues. Coverage ends at expiration, though some policies allow conversion to whole life.
- Guaranteed Issue Whole Life Insurance: Available for those over 50 after a heart attack, with no medical exam and guaranteed approval. It offers permanent coverage but is more expensive than term life and isn’t available for those under 50.
- Universal Life: It is a permanent policy with flexible payments and investment options to grow cash value. For heart attack survivors, adjustable premiums can help manage medical expenses.
- Critical Illness: Many life insurance companies offer critical illness insurance as a rider or standalone policy. It provides benefits while you’re alive to help cover medical and medication costs.
Choosing the right insurance is essential to ensure you and your loved ones are financially protected. Assess your needs and situation carefully to find the best fit.
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Factors Insurance Companies Consider When Insuring Heart Attack Survivors
Any health event, like cancer, heart attack, or diabetes, makes life insurance harder to get and more costly. A pre-existing condition leads underwriters to ask more questions to assess your risk. The underwriting process is the evaluation of your eligibility for coverage and the rates you should expect to pay. Securing life insurance for people with heart disease involves understanding whether life insurance covers heart attack scenarios and the nuances of life insurance heart disease underwriting. View this guide, “The Life Insurance Underwriting Process,” for more details.
Date of the Heart Attack
Getting coverage with a medical exam is difficult within six months of a heart attack due to stability concerns, leading to higher premiums. The longer it has been since the heart attack, the better the chances for lower rates.
Medical Circumstances That May Apply to You
Life insurance companies will look at any medical tests and heart procedures you underwent to help them gauge how likely it is that you’ll die from a heart-related condition. Some of the things they look at include:
- Echocardiogram: A test using sound waves to generate images of your heart to identify heart disease
- Coronary Catheterization: A procedure to diagnose and treat cardiovascular conditions
- Coronary Angiography: A procedure that uses special dye and X-rays to evaluate the blood flow through the arteries
- Bypass Surgery: A surgery to restore normal blood flow to the arteries
- Heart Failure: A condition in which the heart doesn’t pump blood as it should
- Arrhythmia: An irregular heartbeat that can be too slow or fast
This information will help the life insurance underwriters determine how big a risk they are taking by insuring you. If you’re asking, “Can I get life insurance with a heart condition?” or seeking life insurance for someone with a heart condition, many insurers now accommodate these needs, emphasizing accessibility and support.
The Age at Which You First Suffered a Heart Attack
From an insurer’s perspective, an earlier heart attack signals greater risk and poorer heart health, increasing the likelihood of future issues. Older age at the first heart attack generally makes obtaining insurance easier.
Protective was recently named as the overall favorite life insurance company for those over 50 by @USATODAY. Read more: https://t.co/65jexEKFrX pic.twitter.com/Wa6OfH6AHC
— Protective Life (@ProtectiveLife) August 9, 2024
Organizations like the British Heart Foundation life insurance guide individuals wondering, “Can I get life insurance after a heart attack?” Providers specializing in life insurance for individuals who have experienced a heart attack understand the unique needs of these applicants.
They offer policies, such as life insurance plans with heart attack payout options, to provide families with financial security and peace of mind.
The Severity of the Heart Attack
Heart attacks have severity levels. A mild heart attack only affects a small part of the heart muscle or doesn’t cause permanent damage. A massive, or severe, heart attack can result in permanent damage to the heart or a more substantial portion of the heart muscle.
Types of Heart Attacks
Severity | Description |
---|---|
Mild | Blood Flow Through One Artery Is Partially Blocked |
Moderate | There Is Some Damage To The Heart Muscle |
Severe/Massive | There Is A Lot Of Damage To Heart Muscle And There May Be Other Serious Medical Problems |
Silent | Oxygen Flow To The Heart Is Cut Off, But You Have No Traditional Heart Attack Symptoms |
In addition to the heart attack types listed above, you may also suffer a procedure-related heart attack, such as a heart attack during angioplasty or stent placement. You can still get life insurance with moderate or significant heart damage, but you may face substandard rates due to higher risk. In a worst-case scenario, you may have to purchase guaranteed issue whole life insurance. If your heart attack significantly compromises your health and you don’t qualify for other types of life insurance, this option will allow you to receive coverage.
Rate Classes for Heart Attack Survivors
While life insurance companies may differ slightly in how they calculate rates, almost all companies categorize applicants into standard rate classes. As you can see, better health often leads to being assigned to a better rate class, which means lower premiums for you.
Life Insurance Rate Classes
Rate Class | Description |
---|---|
Preferred Plus | Applicant is in exceptional health and otherwise presents little risk. |
Preferred | Applicant is mostly low risk, but may have a minor health issue such as slightly elevated cholesterol. |
Standard Plus | Applicant is in generally good health and presents lower than average risks, but has several health issues such as being overweight, high blood pressure, and high cholesterol which are cause for concern |
Standard | Applicant is in average health. They may have negative health history such as a family member dying of a stroke. |
Preferred Smoker | Applicant is in good health despite being a smoker and thus qualifies for lower rates than average for smokers |
Standard Smoker | Applicant is a smoker and has some minor health issues |
Substandard | Applicant has serious health issues or is otherwise a higher insurance risk |
Qualifying for the lowest life insurance rates after a heart attack is unlikely, but Standard or Standard Smoker rates may still be possible depending on your circumstances.
Life Insurance Discounts From the Top Providers for After a Heart Attack
Insurance Company | Available Discounts |
---|---|
Healthy Lifestyle, Multi-Policy, Wellness Program, Automatic Payment | |
Multi-Policy, Non-Smoker, Early Enrollment, Family Bundle | |
Family Bundle, Non-Smoker, Automatic Bank Payment, Multi-Child Benefit | |
Vitality Program, Non-Smoker, Healthy Living, Annual Payment | |
Multi-Policy, Healthy Lifestyle, Family Coverage, Long-Term Policy | |
Multi-Policy, Non-Smoker, Paid in Full, Wellness Program | |
Multi-Policy, Healthy Lifestyle, Loyalty Program, Family Protection | |
Multi-Policy, Non-Smoker, Healthy Habits, Electronic Enrollment | |
Multi-Policy, Healthy Lifestyle, Legacy Loyalty, No-Tobacco | |
Multi-Policy, Non-Smoker, Senior Perks, Health Engagement |
Factors that increase premiums include a heart attack at a young age, multiple heart attacks, episodes of chest pain, electrocardiogram changes, diabetes, obesity, uncontrolled blood pressure, high cholesterol, and smoking. Many of these factors are manageable.
Choosing the right coverage after a heart attack starts with understanding your unique risks and financial goals.Daniel Walker Licensed Insurance Agent
Addressing underlying health conditions, quitting smoking, losing weight, and following medical advice can improve your health and result in better life insurance rates. For more information, visit this guide, “Life Insurance Risk Class Explained.”
How to Get the Best Rates
Younger people usually pay lower rates, but a heart attack can increase your rating due to its impact on life expectancy. Some factors are beyond your control, but you can take steps to secure the best possible rate.
- Don’t Smoke: Smoking is a major health risk and leads to higher rates, especially after a heart attack due to its link to heart disease. Quitting can help lower your rate.
- Keep up With Your Doctor’s Recommendations: Follow your doctor’s advice on tests, diet, and medications to boost overall health and potentially lower your rate after a heart attack.
- Apply Sooner Rather Than Later: The older you are, the higher your rate is likely to be, so lock in your rates as soon as possible.
- Figure out in Advance how Much Coverage You’ll Need: Purchasing the right amount of life insurance upfront is more cost-effective than adjusting coverage later, so plan ahead to save.
- Comparison Shop: Get quotes from several life insurance companies so you can compare rates and purchase the best plan for your needs.
If you follow these tips, it will help you lock in a lower insurance rate. Even after a heart attack, you may still qualify for standard or close-to-standard rates if you’re sufficiently healthy, so don’t despair. Dive into this guide, “Dos and Don’ts of Life Insurance,” for further information.
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Case Studies: Best Life Insurance After a Heart Attack
These examples show how Mutual of Omaha, Prudential, and AIG help people find low-cost life insurance with good coverage after a heart attack. For more insights, explore this guide, “10 Best Life Insurance Companies. ”
- Case Study #1 – Affordable Coverage for a Family: John, 52, had a heart attack three years ago and needed life insurance to protect his family. Mutual of Omaha gave him a policy starting at $47 a month, offering good protection at a price he could afford.
- Case Study #2 – Flexible Options for a Retiree: After her heart attack, Sarah, 67, wanted life insurance that fit her retirement budget. Prudential worked with her to find a plan that gave her the coverage she needed at a cost she could handle.
- Case Study #3 – High Coverage for a Young Parent: After a heart attack, Mark, 42, needed a life insurance policy to support his growing family. AIG provided him with a plan that offered high coverage and fair rates.
These stories show how these companies provide simple and reliable options for people after a heart attack. If you want to explore your life insurance options, enter your ZIP code in our free tool to get started.
Frequently Asked Questions
Why is Mutual of Omaha the top choice?
Mutual of Omaha is the top choice due to its low rates starting at $47 per month and strong coverage options tailored for those with heart conditions.
What coverage options do AIG and Prudential offer?
AIG and Prudential offer a range of flexible coverage options to meet different budgets and needs, ensuring comprehensive protection. Enter your ZIP code into our free comparison tool to explore affordable life insurance rates today.
What is the best life insurance after a heart attack?
The best life insurance after a heart attack is offered by Mutual of Omaha, Prudential, and AIG, providing affordable rates and reliable coverage. Check out this guide, “10 Best Life Insurance Companies for High-Risk Individuals,” to learn more.
How much does life insurance cost after a heart attack?
Life insurance after a heart attack starts at $47 per month, with rates varying based on age, health, and policy details. Finding the cheapest life insurance after a heart attack can be challenging, but options are available for those seeking the best life insurance after heart attack coverage.
What are the benefits of choosing life insurance after a heart attack?
Life insurance after a heart attack ensures financial security for your family, protecting them from unexpected expenses and financial stress. Policies specifically designed for heart attack survivors address their unique needs, while life insurance with heart condition options covers a broader range of cardiovascular risks.
Can I get life insurance after having a heart attack if I’m older?
Yes, Mutual of Omaha, Prudential, and AIG offer life insurance for older individuals, though rates may be higher based on age and health. Specialized coverage, including life insurance for heart attack victims or life insurance for heart conditions, provides peace of mind. For more information, visit this guide, “Life Insurance Cost by Age: How Your Age Impacts Life Insurance Premiums.”
How do I choose the best provider for life insurance after a heart attack?
You should compare cost, coverage, and terms. Mutual of Omaha is known for its affordable rates and solid coverage, while Prudential and AIG offer strong alternatives. These companies provide life insurance for heart patients and cater to those with pre-existing conditions like heart disease, offering tailored coverage options such as heart attack-specific life insurance policies.
How can I get a life insurance quote after a heart attack?
Obtain quotes by contacting providers directly, using online tools, or speaking with an insurance agent specializing in post-heart attack coverage—life insurance after heart surgery and heart attack insurance offer tailored solutions for those recovering from medical procedures.
Are there any special conditions for getting life insurance after a heart attack?
Providers may require medical underwriting, a waiting period, or higher premiums based on health status, but options are available for different health conditions. Learn more about this guide, “How does life insurance work?“.
What makes life insurance from AIG different from other providers?
AIG offers comprehensive plans with high coverage and competitive rates, providing flexible terms that cater to those with a heart condition. Compare term life insurance rates by entering your ZIP code into our free tool today.
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Jeff Root
Licensed Life Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.