Brand Comparisons

Anthem is part of the nationwide Blue Cross Blue Shield (BCBS) network of health insurers. This
company offers plans in 14 states and made the U.S. News list of “Best Insurance Companies for
Medicare Advantage 2019” in three of those states. The average Medicare Advantage Medicare
Star Rating is 3.7 out of 5.

If you’re looking for HMO or PPO plan options that include Part D drug coverage, Anthem Blue
Cross Blue Shield could be the right choice for you.

Breeze provides an easy, online application process, much like Haven Life, Ladder Life, and Bestow do for life insurance, except Breeze sells only disability insurance. Breeze was founded just a short time ago (in 2019) and is the first disability insurance provider of its kind.

This company is part of Assurity Life Insurance, which has been around 130 years. Under the Breeze brand, Assurity offers long-term disability insurance. This coverage pays policy owners a salary if they become disabled and unable to work for a long time, usually several months or years. Since Breeze is so new they don't yet have an A.M. Best rating, however, Assurity has a great score of A-
on A.M. Best.

New York Life Insurance Company is a mutual company, and it consistently pays dividends to its policyholders. This company also achieves strong financial marks and shows a clean claims history, making it a solid choice for many people. Finally, New York Life offers additional financial services and products such as annuities, mutual funds and exchange-traded funds (ETFs), estate planning,
and retirement planning.

Universal life insurance is often the most flexible type of life insurance you’ll find, but it’s not as common as term life or whole life. Still, there are enough options on the market to give even the most conscientious consumer a headache while trying to sort through them all on their own.

That’s why we did a ton of research to put together a shortlist of the best universal life insurance companies. While we can’t tell you who your perfect match is without getting all up in your business (we’ll leave that to your insurance agent), we can give you a solid starting point.

Below is our list of the best universal life insurance companies. We awarded five individual awards and included four honorable mentions for a total of nine solid insurers for consumers looking for a universal life policy.

Aetna and United Healthcare are both large companies that are popular among Medicare beneficiaries. That can make choosing between the two tough. In this head-to-head comparison, we break down what you need to know to make the right choice for your health care.

Decreasing and level term are the two most common types of term life insurance, and their names refer to the policy’s death benet. Decreasing term life insurance has a death benet that will lessen over time. Level term, however, has a death benet that remains the same the entire time you have the policy.

With both types of term life insurance, your premiums will remain the same, but how much your beneciaries receive may differ between these two types of coverage.

While level term is more common than decreasing term, your goals will determine which of these policies is best for your circumstances. Here's what you should know when considering level term and decreasing term life insurance.