Not Sure? Check the Ratings
Shopping for life insurance on the Internet might sound a little scary, but checking life insurance provider ratings, financial health, and ability to pay out on claims is not. A number of services provide ratings of individual life insurance (as well as other types of insurance) companies. Insure.com, for example, provides ratings on a wide variety of insurance companies and types. Simply enter the name of the company for an overview of the company and its financial health. A number of other services also provide free information; to find other sources, search using a term like "life insurance company ratings". Why go on reputation or word of mouth when you can access independent verification and analysis?