Lincoln Tullius

Question: Do you know any life insurance companies that has all of this?

1) Has banding coverage, meaning rates are base on total coverage of the primary and the spouse. 2) Has spouse rider and child rider, so there's only one policy fee 3) Has terminal illness benefit. If you are diagnose to be terminally ill, you can use a portion of the face amount for whatever reasons. 4) Has increasing benefit rider. That means every year up to a certain time, the face amount goes up by a certain percent without having to provide proof of insurability. And the rate of the added coverage is base on the age when the policy was issued to you. 5) Disability waiver of premium. This means when you become disabled, all your premiums will be waivered and the policy will remain enforced until it matures or expires. 6) Guarantees insurability for children. That means when the child becomes an adult, he/she can get life insurance regardless of current health conditions. 7) It has AM Best Rating of A+ or better or Moody Rating of AA or better. The company I work has all these features in all their life insurance policies. I was wondering if any other companies out there has the same features.

BEST ANSWER: Try this site where you can compare quotes from different companies: INSUREINFO.US