Kemper Life Insurance occupies a unique position in the life insurance landscape – a company with nearly a century of experience that has deliberately chosen to focus almost exclusively on guaranteed issue and simplified underwriting rather than competing in the traditional fully-underwritten market. This strategic choice creates both compelling opportunities and significant limitations that potential […] Read more

About Oxford Life Insurance Oxford Life is a leading final expense insurance company in the United States. With over 50 years of experience in the life insurance industry, Oxford Life has witnessed significant changes over the years. In 1997, the company acquired Encore Financial, an insurance holding company based in Wisconsin. From the outset, Oxford […] Read more

Finding life insurance as a military service member or first responder often feels like navigating a system that wasn’t designed for your unique circumstances. Traditional insurers often struggle with the realities of deployment schedules, overseas assignments, and the inherent risks of service life, leaving many service members feeling excluded from standard coverage options. What many […] Read more

Full Disclosure Before we begin our review of Primerica, we would like to acknowledge that it is a high-quality life insurance company that has become one of the largest term life insurance providers in the United States. However, there are a few things to keep in mind when considering Primerica as a life insurance option. […] Read more

Choosing the right life insurance company often comes down to trust, accessibility, and convenience—and Liberty Bankers Life Insurance Company delivers on all three. Combining old-fashioned personal service with modern underwriting technology, Liberty Bankers bridges the gap between traditional values and today’s fast-paced insurance world. Since its founding in 1958, the company has focused on making […] Read more

Massachusetts Mutual Life Insurance Company commands attention in the financial services landscape not through flashy marketing campaigns, but through a 174-year commitment to policyholder ownership and conservative financial management that has weathered every economic crisis since the Civil War era. When financial advisors discuss “mutual company benefits” and “consistent dividend performance,” MassMutual frequently anchors these […] Read more

State Farm’s reputation as a household name in insurance creates expectations that their life insurance products will deliver the same market leadership they’ve achieved in auto and homeowners coverage. While State Farm offers solid financial strength and a nationwide agent network, their life insurance division presents a more complex picture of higher-than-average costs, limited product […] Read more

The SBLI name can be confusing for many life insurance shoppers because it represents two separate companies: the long-established Savings Bank Mutual Life Insurance Company of Massachusetts (founded in 1907) and SBLI USA Life Insurance Company, which operates under the Prosperity Life Group. While their names and histories share similar roots, the two insurers differ […] Read more

When exploring life insurance options, few companies can match the legacy of Baltimore Life Insurance Company, which has weathered nearly every economic shift since its founding in 1882. Despite its long history of financial strength and personalized service, this Nebraska-based mutual insurer often flies under the radar as consumers gravitate toward larger, more recognizable brands. […] Read more