I am a promise to pay.

A promise to pay. This is what it all boils down to. Because in the end, the fulfillment of this promise is what you are counting on to provide for your family. So it makes sense to choose your insurance company wisely. I suggest that you start by selecting from only "highly-rated" insurance companies. For me, this means companies that are rated "A-" or better (Excellent or Superior) by A.M. Best. These are the companies with the strongest claims paying ability. These will be the companies that will be there to write the check to your loved ones if the lose you prematurely.

Some of the companies that are currently rated "A-" or better are:

• Assurity Life Insurance Company (A-)
• Fidelity Life Association (A-)
• Genworth Life Insurance Company (A)
• RBC Insurance (A)
• ReliaStar Life Insurance Company/ING (A)
• West Coast Life (A+)

Of course, there are many others and any good life insurance agent will be happy to share insurance company ratings with you.


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