Best Life Insurance Companies That Cover People In All States In 2022
Mutual of Omaha, Prudential, and USAA are three life insurance companies that cover people in all states. Out of the three life insurance companies that operate nationwide, USAA is rated the highest by A.M. Best with an A++ rating. Between the three companies, there are six different types of life insurance available.
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UPDATED: Dec 8, 2021
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- USAA, Prudential, and Mutual of Omaha are the three insurance companies that cover people in all states
- USAA is rated A++ by A.M. Best
- Between the three insurance companies, there are six types of life insurance to choose from
Life insurance companies that cover people in all states are not very common.
It doesn’t affect your policy if you move once it’s issued, but some may prefer to deal with an insurance company that is able to serve you no matter where you go.
USAA Life Insurance, Prudential Life Insurance, and Mutual of Omaha Life Insurance all operate across the span of the United States. They are the best life insurance companies that cover people in all states. We’ll tell you more below.
It is not bad to be insured by a company that does not offer coverage in all 50 states since it doesn’t really affect the policy. However, if you want to be able to add coverage with your current company and you move a lot, it might matter to you.
Choose one of the best life insurance companies that cover people in all states. Enter your ZIP code and get a free quote today.
Best Nationwide Life Insurance Company
Of the three life insurance companies that offer services to everyone in the United States, USAA is the best life insurance company that covers people in all states. USAA offers multiple types of insurance, investments, banking, and other financial services.
It has the highest rating from A.M. Best at an A++. This means that USAA has a superior ability to meet its financial obligations.
The following are some reasons USAA Life Insurance company is the top company:
- It is easy to get quotes online
- It offers both term coverage and permanent life coverage
- USAA has excellent ratings for financial strength
- Life insurance products are available to the public, unlike other insurance products
Yes, even if you are not in the military, you can buy USAA life insurance.
Other Life Insurance Companies Available Nationwide
Prudential Life Insurance and Mutual of Omaha Life Insurance are the other two insurance companies that cover people in all states.
Prudential covers individuals, families, self-employed workers, the newly unemployed, and Medicare recipients. It services its clients through three main divisions: U.S. Retirement Solutions, Investment Management, and U.S. Individual Life & Group Insurance.
A.M. Best gives Prudential Life Insurance an A+ rating, and it’s also a top company for the following reasons:
- You can get instant quotes for term life insurance online
- They have many plans available
- Multiple riders can be added to their policies
Mutual of Omaha Life Insurance insures people from the ages 0-85. It offers insurance, Medicare, and various financial services. It is a Fortune 500 company headquartered in Omaha, NE.
It is rated A+ by A.M. Best because of its excellent financial strength. It’s also easy to obtain a quote online, and you can apply for some term and whole life products with no medical exam.
|Mutual of Omaha Life Insurance||USAA Life Insurance||Prudential Life Insurance|
|Indexed Universal Life||X|
|Variable Universal Life||X|
Above you’ll see a comparison of which policy types are offered by each company.
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What types of life insurance are offered by these companies?
Between these three insurance companies, there are six different types of life insurance available: variable universal, whole life, accidental death, term life, universal life, and indexed universal.
Term life insurance is coverage that is temporary. This type of coverage guarantees payment of a stated death benefit if the covered person dies during the specified term.
Once the term has expired, the client has three different options. You can either renew the policy for another term, convert the policy to permanent if the company offers it, or allow the policy to terminate.
Universal life insurance covers a person for the duration of their life as long as they are paying their premiums. You are also required to fulfill any other requirements of your policy to maintain coverage.
Indexed universal life insurance offers a cash value component in addition to the death benefit. The cash value can earn interest based on a stock market index chosen by your insurer.
Variable universal life insurance has features that are enticing to customers: cash value, investment variety, flexible premium, and a flexible death benefit.
Whole life is the opposite of term life. While term is temporary, whole life is permanent. If you are covered with whole life insurance, you are covered for the duration of your life as long as rates are paid on time. There is also a cash value benefit that you can tap into during your lifetime.
Life insurance is something that everybody should have because it is in the best interest of not only yourself but your loved ones as well. Make sure you’re covered by the best. Enter your ZIP code and get a free quote today.