A.M. Best Co. has affirmed the financial strength rating of A (Excellent) and the issuer credit rating of “a+” of Nipponkoa Insurance Company Ltd. (Nipponkoa) (Japan). The outlook for both ratings is stable. The ratings reflect Nipponkoa’s strong risk-adjusted capitalization, improvement in underwriting results and reduction in equity holdings. Although the company’s risk-adjusted capitalization has [...]

Join Over 3.3 Million Policyholders! Globe Life Insurance provides up to $50,000 in financial support for burial, senior, mortgage, rent, auto loans, unpaid credit cards, hospital and doctor bills, funeral expenses and cemetery costs, plus other financial expenses. Valuable Coverage. Globe Life’s ExtraLife coverage provides valuable protection for your loved ones. It will never be [...]

While free quotes from health insurance agents can make shopping for medical coverage easy, understanding the free quotes can be confusing. According to government analysts, the following five factors play the biggest roles in determining whether you can qualify for a cheap health insurance policy: Group vs. Individual Plans:Many Americans first receive health insurance through [...]

In general, there are two types of insurance agents – independent agents who write for more than one company and contract agents who represent a single company. Contact at least five different agents. Consider using an insurance broker who can help you comparison shop. Consider the agent’s office and professional staff. Ask for customer references [...]

You need life insurance to secure financial protection for your family members, especially spouse and children after your exit. Insurance companies offer many plans such as Whole Life, Variable Life, Universal Life and Universal Variable Life. However, choosing the appropriate coverage for you and its benefits for your dependents or beneficiaries is of great importance. [...]

As painful as it may seem, advance planning can help you avoid legal battles and other emotionally exhausting experiences during one of the most difficult times of your life. If you have children or complicated financial assets, it’s even more crucial that you plan now to protect them later. Get legal advice. Check your wills. [...]

Even if you’re not in the best of health, life insurance coverage at a reasonable cost is possible. Write down the names, addresses, and phone numbers of all the medical professionals, agencies, clinics, and hospitals you have used in the last 10 years. Make a list of the medications you currently take. Be specific about [...]

“Borrow” money from a cash value life policy as an absolute last resort. If you own a home, consider an equity line before borrowing from your cash value. With an equity line, your interest is deductible and you will most often get a better rate than the insurance company is willing to offer. (See How [...]