Universal Life Insurance

This analysis presents the 15 leading US life insurers with the highest revenues and profits, and lists life insurance companies by financial strength ratings.

America’s 15 top life insurance companies generated over $265 billion in sales during 2008.

Many consumers feel more secure buying insurance from well-established financial institutions with robust revenues. But there are other factors that prospective clients want to know before they commit to buying life insurance.

Prudent consumers also look at the life insurance provider’s profitability and financial strength. The

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Life insurance plays a very important role in our lives. What makes it so very important is that, it guarantees a good future for the family of the policyholder, even when he is dead and is not present to take care of the financial requirements of the family. Life insurance is also beneficial in case a person is suffering from some terminal illness.

As it is, life insurance refers to a contract between the insurer and the policy owner, wherein the insurer consents on paying a specified sum of money in the event of the death of the insured or other events, like terminal or critical illness. The policy owner in return, agrees to pay a predetermined amount to the insurer, or insurance company in lump sums or in regular intervals. Read more…