AM Best is a credit rating agency focused exclusively on the worldwide insurance industry. AM Best assigns credit ratings that assess an insurance company’s creditworthiness, which refers to the likelihood the company will default on its obligations.

Each carrier may offer different coverage options. At PolicyWand we allow you to quote simple pure life insurance options like term insurance and Lifetime Guaranteed Universal Life. For more comprehensive like Variable or Indexed UL or Whole Life – contact Wandy.

Some carriers today offer noexam life insurance options. This is an excellent way to speed up the underwriting process. However, you still need to qualify based on your health history. Certain carriers offer caps on how much coverage you can buy. Get No Exam Quotes here.

Riders are optional or automatic features available on an insurance policy that provide you with additional benefits. Riders can provide options to convert your policy, and provide benefits for Long Term Care, Chronic or Terminal Illness. Riders can even pay your premiums if you become disabled. For more information or to ask questions about specific riders, you can text a live agent at 321-521-4340 or you can chat with a Live Agent here.

Most people purchase term life insurance to cover today’s needs. But there may come a time when you want to extend your coverage past your term period or take advantage of some of the benefits of owning permanent life insurance. Certain carriers offer more favorable conversion options than others and might be worth spending a few extra dollars a month now in order to have more options later. If you want to learn more about term conversion you can text a live agent at 321-521-4340 or you can ask Wandy here.