Life Insurance http://www.lifeinsurance.net Universal Life Insurance or Term Quotes Rates and Agents Wed, 14 Dec 2011 23:00:32 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Term Life Insurance – Because dying is really a bad thing. http://www.lifeinsurance.net/term-life-insurance-because-dying-is-really-a-bad-thing/ http://www.lifeinsurance.net/term-life-insurance-because-dying-is-really-a-bad-thing/#comments Mon, 10 Oct 2011 05:33:27 +0000 howard http://www.lifeinsurance.net/?p=176 Since LifeInsurance.Net launched in 1999 as a place for serious consumers to get answers on life insurance, we’ve helped hundreds of thousands of reasonable, responsible adults get answers, advice and quotations on life insurance policies. Yet, almost every day I hear the same concern about term life insurance: “If I buy term life insurance and I don’t die, I’ll feel cheated. I’ll feel like I wasted my money.” I have to remind them that, in fact, dying is a bad thing.

You never want to collect on a Term Life Insurance Policy. Term Life Insurance was created as a disaster management tool. You buy term life insurance to guarantee that you kids will have money for food if you die prematurely. There is almost no chance that the average insured under a term life insurance policy will ever collect. That’s why it is so inexpensive. If the brilliant actuaries at a major life insurance carrier are willing to offer a 30 year old man in good health one million dollars in term life insurance for under three hundred dollars, they must figure that the chances of them paying off are somewhat less than one in a few thousand or so.

Term life insurance is based on a pretty simple idea, lots of people guarantee that they will take a small loss – the annual premium payment – to guarantee that if they die their family won’t suffer a catastrophic loss. The most common use of term life insurance is as an income replacement tool for a wage earning parent. With parents the controlling factor is generally the age of the youngest child. If your youngest child is 6, then a 20 year policy will cover you until she is 26 and out of the house. If she’s still living at home after 26, you have more to worry about than life insurance.

While term life insurance is generally affordable, risk factors can raise your cost – sometimes significantly. If you are a smoker, your policy will generally cost two to three times the non-smoker life insurance rates. While well controlled high blood pressure or cholesterol won’t keep you from getting cheaper preferred health class life insurance rates, diabetes will generally limit you to standard health class life insurance rates. The carrier will also look at your build, family history, and lifestyle to get a better sense of how you compare risk wise. If you are a rodeo rider, cliff diver, private stunt pilot, cave diver or hard core motorcycle rider then you have to be prepared to pay for the higher risk.

Fortunately, different carriers see risk differently, and seek out different slices of the marketplace. So a condition or activity which would make you uninsurable or at least rated lower with one carrier, might be totally dismissed by another. So we generally recommend that you fill out our brief life insurance online rate quote form or call us at (800)958-0028 so that we can underwrite your case and give you the best advice on putting together a life insurance plan that fits your life.

]]> http://www.lifeinsurance.net/term-life-insurance-because-dying-is-really-a-bad-thing/feed/ 0 Finding an Insurance Company http://www.lifeinsurance.net/finding-an-insurance-company/ http://www.lifeinsurance.net/finding-an-insurance-company/#comments Mon, 27 Jun 2011 19:55:16 +0000 LifeInsurance Editor http://www.lifeinsurance.net/?p=167 Because we are a national brokerage with a significant online life insurance presence, we seem to get calls everyday from consumers trying to find an insurance company.  The calls often arise when adult children are working through their parents papers and things after the funeral and they come across a long lost insurance policy and wonder if the company still exists.  As often as not the old company has merged into a larger carrier group.    Sometimes it can be difficult to find which carrier is currently responsible for honoring the policy.

To make it easier to find an old carrier,  here’s a list of 300 carriers licensed to do business as life insurance carriers in California.   If you want more information or contact info for the life insurance company search here:

If you want to know more about the company,  go here to the National Association of Insurance Commissioners where you can see the company’s complaint history, licensing profile and finances.  You will need the NAIC number listed next to the carrier below. 

Here’s the California List:

AAA LIFE INSURANCE COMPANY (Info),   MI, Naic#: 71854,Naic Group:  0
ACACIA LIFE INSURANCE COMPANY (Info),   DC, Naic#: 60038,Naic Group:  943
AETNA LIFE INSURANCE COMPANY (Info),   CT, Naic#: 60054,Naic Group:  1
AL,   88536, Naic#: 458,Naic Group:  UNITY MUTUAL LIFE INSURANCE COMPANY (Info)
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA (Info),   MN, Naic#: 90611,Naic Group:  761
ALLSTATE LIFE INSURANCE COMPANY (Info),   IL, Naic#: 60186,Naic Group:  8
ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK (Info),   NY, Naic#: 70874,Naic Group:  8
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA (Info),   FL, Naic#: 60275,Naic Group:  19
AMERICAN CAPITOL INSURANCE COMPANY (Info),   TX, Naic#: 60291,Naic Group:  4299
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (Info),   NE, Naic#: 60380,Naic Group:  370
AMERICAN FAMILY LIFE INSURANCE COMPANY (Info),   WI, Naic#: 60399,Naic Group:  473
AMERICAN FIDELITY ASSURANCE COMPANY (Info),   OK, Naic#: 60410,Naic Group:  330
AMERICAN FIDELITY LIFE INSURANCE COMPANY (Info),   FL, Naic#: 60429,Naic Group:  0
AMERICAN GENERAL ASSURANCE COMPANY (Info),   IL, Naic#: 68373,Naic Group:  12
AMERICAN GENERAL LIFE AND ACCIDENT INSURANCE COMPANY (Info),   TN, Naic#: 66672,Naic Group:  12
AMERICAN GENERAL LIFE INSURANCE COMPANY (Info),   TX, Naic#: 60488,Naic Group:  12
AMERICAN GENERAL LIFE INSURANCE COMPANY OF DELAWARE (Info),   DE, Naic#: 66842,Naic Group:  12
AMERICAN HEALTH AND LIFE INSURANCE COMPANY (Info),   TX, Naic#: 60518,Naic Group:  41
AMERICAN HERITAGE LIFE INSURANCE COMPANY (Info),   FL, Naic#: 60534,Naic Group:  8
AMERICAN INCOME LIFE INSURANCE COMPANY (Info),   IN, Naic#: 60577,Naic Group:  290
AMERICAN MEMORIAL LIFE INSURANCE COMPANY (Info),   SD, Naic#: 67989,Naic Group:  19
AMERICAN MODERN LIFE INSURANCE COMPANY (Info),   OH, Naic#: 65811,Naic Group:  361
AMERICAN NATIONAL INSURANCE COMPANY (Info),   TX, Naic#: 60739,Naic Group:  408
AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS (Info),   TX, Naic#: 71773,Naic Group:  408
AMERICAN REPUBLIC INSURANCE COMPANY (Info),   IA, Naic#: 60836,Naic Group:  3527
AMERICAN UNITED LIFE INSURANCE COMPANY (Info),   IN, Naic#: 60895,Naic Group:  619
AMERICAN-AMICABLE LIFE INSURANCE COMPANY OF TEXAS (Info),   TX, Naic#: 68594,Naic Group:  315
AMERICO FINANCIAL LIFE AND ANNUITY INSURANCE COMPANY (Info),   TX, Naic#: 61999,Naic Group:  449
AMERITAS LIFE INSURANCE CORP. (Info),   NE, Naic#: 61301,Naic Group:  943
AMICA LIFE INSURANCE COMPANY (Info),   RI, Naic#: 72222,Naic Group:  28
ANTHEM LIFE INSURANCE COMPANY (Info),   IN, Naic#: 61069,Naic Group:  671
ASSURITY LIFE INSURANCE COMPANY (Info),   NE, Naic#: 71439,Naic Group:  SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) (Info)
AURORA NATIONAL LIFE ASSURANCE COMPANY (Info),   CA, Naic#: 61182,Naic Group:  0
AUTO CLUB LIFE INSURANCE COMPANY (Info),   MI, Naic#: 84522,Naic Group:  55
AVIVA LIFE AND ANNUITY COMPANY (Info),   IA, Naic#: 61689,Naic Group:  44
AXA EQUITABLE LIFE AND ANNUITY COMPANY (Info),   CO, Naic#: 62880,Naic Group:  968
AXA EQUITABLE LIFE INSURANCE COMPANY (Info),   NY, Naic#: 62944,Naic Group:  968
BALBOA LIFE INSURANCE COMPANY (Info),   CA, Naic#: 68160,Naic Group:  1281
BALTIMORE LIFE INSURANCE COMPANY (THE) (Info),   MD, Naic#: 61212,Naic Group:  4723
BANKERS LIFE AND CASUALTY COMPANY (Info),   IL, Naic#: 61263,Naic Group:  233
BANNER LIFE INSURANCE COMPANY (Info),   MD, Naic#: 94250,Naic Group:  872
BENEFICIAL LIFE INSURANCE COMPANY (Info),   UT, Naic#: 61395,Naic Group:  615
BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA (Info),   MA, Naic#: 71714,Naic Group:  429
BEST LIFE AND HEALTH INSURANCE COMPANY (Info),   TX, Naic#: 90638,Naic Group:  0
BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY (Info),   CA, Naic#: 61557,Naic Group:  2798
BOSTON MUTUAL LIFE INSURANCE COMPANY (Info),   MA, Naic#: 61476,Naic Group:  581
C.M. LIFE INSURANCE COMPANY (Info),   CT, Naic#: 93432,Naic Group:  435
CANADA LIFE ASSURANCE COMPANY (THE) (Info),   MI, Naic#: 80659,Naic Group:  769
CAREAMERICA LIFE INSURANCE COMPANY (Info),   CA, Naic#: 71331,Naic Group:  2798
CENTRAL STATES HEALTH & LIFE CO. OF OMAHA (Info),   NE, Naic#: 61751,Naic Group:  690
CENTRAL UNITED LIFE INSURANCE COMPANY (Info),   AR, Naic#: 61883,Naic Group:  1117
CENTURION LIFE INSURANCE COMPANY (Info),   IA, Naic#: 62383,Naic Group:  471
CHESAPEAKE LIFE INSURANCE COMPANY (THE) (Info),   OK, Naic#: 61832,Naic Group:  264
CHURCH LIFE INSURANCE CORPORATION (Info),   NY, Naic#: 61875,Naic Group:  344
CIGNA HEALTH AND LIFE INSURANCE COMPANY (Info),   CT, Naic#: 67369,Naic Group:  901
CINCINNATI LIFE INSURANCE COMPANY (THE) (Info),   OH, Naic#: 76236,Naic Group:  244
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (Info),   SC, Naic#: 62049,Naic Group:  565
COLONIAL PENN LIFE INSURANCE COMPANY (Info),   PA, Naic#: 62065,Naic Group:  233
COLORADO BANKERS LIFE INSURANCE COMPANY (Info),   CO, Naic#: 84786,Naic Group:  917
COLUMBIAN LIFE INSURANCE COMPANY (Info),   IL, Naic#: 76023,Naic Group:  535
COLUMBIAN MUTUAL LIFE INSURANCE COMPANY (Info),   NY, Naic#: 62103,Naic Group:  535
COLUMBUS LIFE INSURANCE COMPANY (Info),   OH, Naic#: 99937,Naic Group:  836
COMBINED INSURANCE COMPANY OF AMERICA (Info),   IL, Naic#: 62146,Naic Group:  626
COMMONWEALTH ANNUITY AND LIFE INSURANCE COMPANY (Info),   MA, Naic#: 84824,Naic Group:  3891
CONNECTICUT GENERAL LIFE INSURANCE COMPANY (Info),   CT, Naic#: 62308,Naic Group:  901
CONSECO LIFE INSURANCE COMPANY (Info),   IN, Naic#: 65900,Naic Group:  233
CONSTITUTION LIFE INSURANCE COMPANY (Info),   TX, Naic#: 62359,Naic Group:  953
CONTINENTAL ASSURANCE COMPANY (Info),   IL, Naic#: 62413,Naic Group:  218
CONTINENTAL GENERAL INSURANCE COMPANY (Info),   OH, Naic#: 71404,Naic Group:  84
CROWN LIFE INSURANCE COMPANY (Info),   MI, Naic#: 80675,Naic Group:  769
CUNA MUTUAL INSURANCE SOCIETY (Info),   IA, Naic#: 62626,Naic Group:  306
DELAWARE AMERICAN LIFE INSURANCE COMPANY (Info),   DE, Naic#: 62634,Naic Group:  241
DOCTORS’ LIFE INSURANCE COMPANY (THE) (Info),   CA, Naic#: 92444,Naic Group:  831
EMC NATIONAL LIFE COMPANY (Info),   IA, Naic#: 62928,Naic Group:  0
FAMILY LIFE INSURANCE COMPANY (Info),   TX, Naic#: 63053,Naic Group:  1117
FARMERS NEW WORLD LIFE INSURANCE COMPANY (Info),   WA, Naic#: 63177,Naic Group:  212
FEDERAL LIFE INSURANCE COMPANY (MUTUAL) (Info),   IL, Naic#: 63223,Naic Group:  0
FEDERATED LIFE INSURANCE COMPANY (Info),   MN, Naic#: 63258,Naic Group:  7
FIDELITY INVESTMENTS LIFE INSURANCE COMPANY (Info),   UT, Naic#: 93696,Naic Group:  981
FIDELITY LIFE ASSOCIATION, A LEGAL RESERVE LIFE INSURANCE COMPANY (Info),   IL, Naic#: 63290,Naic Group:  PIONEER MUTUAL LIFE INSURANCE COMPANY, A STOCK SUBSIDIARY OF AMERICAN UNITED MUTUAL INSURANCE HOLDING COMPANY (Info)
FIDELITY SECURITY LIFE INSURANCE COMPANY (Info),   MO, Naic#: 71870,Naic Group:  451
FIRST ALLMERICA FINANCIAL LIFE INSURANCE COMPANY (Info),   MA, Naic#: 69140,Naic Group:  3891
FIRST INVESTORS LIFE INSURANCE COMPANY (Info),   NY, Naic#: 63495,Naic Group:  0
FIRST PENN-PACIFIC LIFE INSURANCE COMPANY (Info),   IN, Naic#: 67652,Naic Group:  20
FORETHOUGHT LIFE INSURANCE COMPANY (Info),   IN, Naic#: 91642,Naic Group:  1266
FORT DEARBORN LIFE INSURANCE COMPANY (Info),   IL, Naic#: 71129,Naic Group:  917
FUNERAL DIRECTORS LIFE INSURANCE COMPANY (Info),   TX, Naic#: 99775,Naic Group:  801
GARDEN STATE LIFE INSURANCE COMPANY (Info),   TX, Naic#: 63657,Naic Group:  408
GENERAL AMERICAN LIFE INSURANCE COMPANY (Info),   MO, Naic#: 63665,Naic Group:  241
GENWORTH LIFE AND ANNUITY INSURANCE COMPANY (Info),   VA, Naic#: 65536,Naic Group:  4011
GENWORTH LIFE INSURANCE COMPANY (Info),   DE, Naic#: 70025,Naic Group:  4011
GERBER LIFE INSURANCE COMPANY (Info),   NY, Naic#: 70939,Naic Group:  4483
GLOBE LIFE AND ACCIDENT INSURANCE COMPANY (Info),   NE, Naic#: 91472,Naic Group:  290
GOLDEN RULE INSURANCE COMPANY (Info),   IN, Naic#: 62286,Naic Group:  707
GOVERNMENT PERSONNEL MUTUAL LIFE INSURANCE COMPANY (Info),   TX, Naic#: 63967,Naic Group:  4712
GREAT AMERICAN LIFE INSURANCE COMPANY (Info),   OH, Naic#: 63312,Naic Group:  84
GREAT SOUTHERN LIFE INSURANCE COMPANY (Info),   TX, Naic#: 90212,Naic Group:  449
GREAT WESTERN INSURANCE COMPANY (Info),   UT, Naic#: 71480,Naic Group:  1280
GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY (Info),   CO, Naic#: 68322,Naic Group:  769
GREAT-WEST LIFE ASSURANCE COMPANY (THE) (Info),   MI, Naic#: 80705,Naic Group:  769
GUARANTEE TRUST LIFE INSURANCE COMPANY (Info),   IL, Naic#: 64211,Naic Group:  687
GUARDIAN INSURANCE & ANNUITY COMPANY, INC. (THE) (Info),   DE, Naic#: 78778,Naic Group:  429
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE) (Info),   NY, Naic#: 64246,Naic Group:  429
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY (Info),   CT, Naic#: 70815,Naic Group:  91
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (Info),   CT, Naic#: 71153,Naic Group:  91
HARTFORD LIFE INSURANCE COMPANY (Info),   CT, Naic#: 88072,Naic Group:  91
HCC LIFE INSURANCE COMPANY (Info),   IN, Naic#: 92711,Naic Group:  984
HEALTH NET LIFE INSURANCE COMPANY (Info),   CA, Naic#: 66141,Naic Group:  623
HERITAGE UNION LIFE INSURANCE COMPANY (Info),   AZ, Naic#: 62421,Naic Group:  0
HOMESTEADERS LIFE COMPANY (Info),   IA, Naic#: 64505,Naic Group:  0
HORACE MANN LIFE INSURANCE COMPANY (Info),   IL, Naic#: 64513,Naic Group:  300
HOUSEHOLD LIFE INSURANCE COMPANY (Info),   MI, Naic#: 93777,Naic Group:  352
HUMANA INSURANCE COMPANY (Info),   WI, Naic#: 73288,Naic Group:  119
HUMANADENTAL INSURANCE COMPANY (Info),   WI, Naic#: 70580,Naic Group:  119
IDEALIFE INSURANCE COMPANY (Info),   CT, Naic#: 97764,Naic Group:  31
ILLINOIS MUTUAL LIFE INSURANCE COMPANY (Info),   IL, Naic#: 64580,Naic Group:  0
INDUSTRIAL ALLIANCE PACIFIC INSURANCE AND FINANCIAL SERVICES, INC. (Info),   WA, Naic#: 84514,Naic Group:  315
ING LIFE INSURANCE AND ANNUITY COMPANY (Info),   CT, Naic#: 86509,Naic Group:  229
ING USA ANNUITY AND LIFE INSURANCE COMPANY (Info),   IA, Naic#: 80942,Naic Group:  229
INVESTORS LIFE INSURANCE COMPANY OF NORTH AMERICA (Info),   TX, Naic#: 63487,Naic Group:  449
JACKSON NATIONAL LIFE INSURANCE COMPANY (Info),   MI, Naic#: 65056,Naic Group:  918
JEFFERSON NATIONAL LIFE INSURANCE COMPANY (Info),   TX, Naic#: 64017,Naic Group:  TIME INSURANCE COMPANY (Info)
JOHN ALDEN LIFE INSURANCE COMPANY (Info),   WI, Naic#: 65080,Naic Group:  19
JOHN HANCOCK LIFE & HEALTH INSURANCE COMPANY (Info),   MA, Naic#: 93610,Naic Group:  904
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (Info),   MI, Naic#: 65838,Naic Group:  904
KANAWHA INSURANCE COMPANY (Info),   SC, Naic#: 65110,Naic Group:  119
KANSAS CITY LIFE INSURANCE COMPANY (Info),   MO, Naic#: 65129,Naic Group:  588
LAFAYETTE LIFE INSURANCE COMPANY (THE) (Info),   IN, Naic#: 65242,Naic Group:  836
LIBERTY BANKERS LIFE INSURANCE COMPANY (Info),   OK, Naic#: 68543,Naic Group:  3436
LIBERTY LIFE ASSURANCE COMPANY OF BOSTON (Info),   NH, Naic#: 65315,Naic Group:  111
LIBERTY LIFE INSURANCE COMPANY (Info),   SC, Naic#: 61492,Naic Group:  SUNAMERICA LIFE INSURANCE COMPANY (Info)
LIBERTY NATIONAL LIFE INSURANCE COMPANY (Info),   NE, Naic#: 65331,Naic Group:  290
LIFE INSURANCE COMPANY OF NORTH AMERICA (Info),   PA, Naic#: 65498,Naic Group:  901
LIFE INSURANCE COMPANY OF THE SOUTHWEST (Info),   TX, Naic#: 65528,Naic Group:  634
LIFESECURE INSURANCE COMPANY (Info),   MI, Naic#: 77720,Naic Group:  572
LINCOLN BENEFIT LIFE COMPANY (Info),   NE, Naic#: 65595,Naic Group:  8
LINCOLN HERITAGE LIFE INSURANCE COMPANY (Info),   IL, Naic#: 65927,Naic Group:  0
LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK (Info),   NY, Naic#: 62057,Naic Group:  20
LINCOLN NATIONAL LIFE INSURANCE COMPANY (THE) (Info),   IN, Naic#: 65676,Naic Group:  20
LOYAL AMERICAN LIFE INSURANCE COMPANY (Info),   OH, Naic#: 65722,Naic Group:  84
MADISON NATIONAL LIFE INSURANCE COMPANY, INC. (Info),   WI, Naic#: 65781,Naic Group:  450
MANHATTAN LIFE INSURANCE COMPANY (THE) (Info),   NY, Naic#: 65870,Naic Group:  1117
MANHATTAN NATIONAL LIFE INSURANCE COMPANY (Info),   IL, Naic#: 67083,Naic Group:  84
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (Info),   MA, Naic#: 65935,Naic Group:  435
MEDICO LIFE INSURANCE COMPANY (Info),   NE, Naic#: 71471,Naic Group:  0
MEGA LIFE AND HEALTH INSURANCE COMPANY (THE) (Info),   OK, Naic#: 97055,Naic Group:  264
MEMBERS LIFE INSURANCE COMPANY (Info),   IA, Naic#: 86126,Naic Group:  306
MERIT LIFE INSURANCE COMPANY (Info),   IN, Naic#: 65951,Naic Group:  4716
METLIFE INSURANCE COMPANY OF CONNECTICUT (Info),   CT, Naic#: 87726,Naic Group:  241
METLIFE INVESTORS INSURANCE COMPANY (Info),   MO, Naic#: 93513,Naic Group:  241
METLIFE INVESTORS USA INSURANCE COMPANY (Info),   DE, Naic#: 61050,Naic Group:  241
METROPOLITAN TOWER LIFE INSURANCE COMPANY (Info),   DE, Naic#: 97136,Naic Group:  241
MIDLAND NATIONAL LIFE INSURANCE COMPANY (Info),   IA, Naic#: 66044,Naic Group:  431
MID-WEST NATIONAL LIFE INSURANCE COMPANY OF TENNESSEE (Info),   TX, Naic#: 66087,Naic Group:  264
MIDWESTERN UNITED LIFE INSURANCE COMPANY (Info),   IN, Naic#: 66109,Naic Group:  229
MINNESOTA LIFE INSURANCE COMPANY (Info),   MN, Naic#: 66168,Naic Group:  869
MML BAY STATE LIFE INSURANCE COMPANY (Info),   CT, Naic#: 70416,Naic Group:  435
MOLINA HEALTHCARE INSURANCE COMPANY (Info),   OH, Naic#: 69647,Naic Group:  1531
MONARCH LIFE INSURANCE COMPANY (Info),   MA, Naic#: 66265,Naic Group:  440
MONUMENTAL LIFE INSURANCE COMPANY (Info),   IA, Naic#: 66281,Naic Group:  468
MONY LIFE INSURANCE COMPANY (Info),   NY, Naic#: 66370,Naic Group:  968
MONY LIFE INSURANCE COMPANY OF AMERICA (Info),   AZ, Naic#: 78077,Naic Group:  968
MTL INSURANCE COMPANY (Info),   IL, Naic#: 66427,Naic Group:  0
MUTUAL OF AMERICA LIFE INSURANCE COMPANY (Info),   NY, Naic#: 88668,Naic Group:  0
NATIONAL BENEFIT LIFE INSURANCE COMPANY (Info),   NY, Naic#: 61409,Naic Group:  41
NATIONAL FARMERS UNION LIFE INSURANCE COMPANY (Info),   TX, Naic#: 66540,Naic Group:  449
NATIONAL GUARDIAN LIFE INSURANCE COMPANY (Info),   WI, Naic#: 66583,Naic Group:  1211
NATIONAL LIFE INSURANCE COMPANY (Info),   VT, Naic#: 66680,Naic Group:  634
NATIONAL WESTERN LIFE INSURANCE COMPANY (Info),   CO, Naic#: 66850,Naic Group:  0
NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY (Info),   OH, Naic#: 92657,Naic Group:  140
NATIONWIDE LIFE INSURANCE COMPANY (Info),   OH, Naic#: 66869,Naic Group:  140
NEW ENGLAND LIFE INSURANCE COMPANY (Info),   MA, Naic#: 91626,Naic Group:  241
NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION (Info),   DE, Naic#: 91596,Naic Group:  826
NEW YORK LIFE INSURANCE COMPANY (Info),   NY, Naic#: 66915,Naic Group:  826
NIPPON LIFE INSURANCE COMPANY OF AMERICA (Info),   IA, Naic#: 81264,Naic Group:  0
NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE (Info),   IA, Naic#: 66974,Naic Group:  431
NORTH CAROLINA MUTUAL LIFE INSURANCE COMPANY (Info),   NC, Naic#: 67032,Naic Group:  0
NORTH COAST LIFE INSURANCE COMPANY (Info),   WA, Naic#: 67059,Naic Group:  0
NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY (THE) (Info),   WI, Naic#: 67091,Naic Group:  860
NYLIFE INSURANCE COMPANY OF ARIZONA (Info),   AZ, Naic#: 81353,Naic Group:  826
OCCIDENTAL LIFE INSURANCE COMPANY OF NORTH CAROLINA (Info),   TX, Naic#: 67148,Naic Group:  315
OHIO NATIONAL LIFE ASSURANCE CORPORATION (Info),   OH, Naic#: 89206,Naic Group:  704
OHIO NATIONAL LIFE INSURANCE COMPANY (THE) (Info),   OH, Naic#: 67172,Naic Group:  704
OHIO STATE LIFE INSURANCE COMPANY (THE) (Info),   TX, Naic#: 67180,Naic Group:  449
OLD AMERICAN INSURANCE COMPANY (Info),   MO, Naic#: 67199,Naic Group:  588
OLD REPUBLIC LIFE INSURANCE COMPANY (Info),   IL, Naic#: 67261,Naic Group:  150
OM FINANCIAL LIFE INSURANCE COMPANY (Info),   MD, Naic#: 63274,Naic Group:  2598
OR,   69019, Naic#: 1348,Naic Group:  UNUM LIFE INSURANCE COMPANY OF AMERICA (Info)
OXFORD LIFE INSURANCE COMPANY (Info),   AZ, Naic#: 76112,Naic Group:  574
OZARK NATIONAL LIFE INSURANCE COMPANY (Info),   MO, Naic#: 67393,Naic Group:  0
PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LIMITED (Info),   HI, Naic#: 64343,Naic Group:  0
PACIFIC LIFE & ANNUITY COMPANY (Info),   AZ, Naic#: 97268,Naic Group:  709
PACIFIC LIFE INSURANCE COMPANY (Info),   NE, Naic#: 67466,Naic Group:  709
PAN-AMERICAN ASSURANCE COMPANY (Info),   LA, Naic#: 93459,Naic Group:  525
PAN-AMERICAN LIFE INSURANCE COMPANY (Info),   LA, Naic#: 67539,Naic Group:  525
PARK AVENUE LIFE INSURANCE COMPANY (Info),   DE, Naic#: 60003,Naic Group:  429
PAUL REVERE LIFE INSURANCE COMPANY (THE) (Info),   MA, Naic#: 67598,Naic Group:  565
PAUL REVERE VARIABLE ANNUITY INSURANCE COMPANY (THE) (Info),   MA, Naic#: 67601,Naic Group:  565
PENN INSURANCE AND ANNUITY COMPANY (THE) (Info),   DE, Naic#: 93262,Naic Group:  850
PENN MUTUAL LIFE INSURANCE COMPANY (THE) (Info),   PA, Naic#: 67644,Naic Group:  850
PENNSYLVANIA LIFE INSURANCE COMPANY (Info),   PA, Naic#: 67660,Naic Group:  953
PHL VARIABLE INSURANCE COMPANY (Info),   CT, Naic#: 93548,Naic Group:  403
PHOENIX LIFE INSURANCE COMPANY (Info),   NY, Naic#: 67814,Naic Group:  403
PHYSICIANS LIFE INSURANCE COMPANY (Info),   NE, Naic#: 72125,Naic Group:  367
PIONEER AMERICAN INSURANCE COMPANY (Info),   TX, Naic#: 67873,Naic Group:  315
PIONEER MUTUAL LIFE INSURANCE COMPANY, A STOCK SUBSIDIARY OF AMERICAN UNITED MUTUAL INSURANCE HOLDING COMPANY (Info),   ND, Naic#: 67911,Naic Group:  619
PIONEER SECURITY LIFE INSURANCE COMPANY (Info),   TX, Naic#: 67946,Naic Group:  315
PRESIDENTIAL LIFE INSURANCE COMPANY (Info),   NY, Naic#: 68039,Naic Group:  METLIFE INVESTORS INSURANCE COMPANY (Info)
PRIMERICA LIFE INSURANCE COMPANY (Info),   MA, Naic#: 65919,Naic Group:  41
PRINCIPAL LIFE INSURANCE COMPANY (Info),   IA, Naic#: 61271,Naic Group:  332
PROFESSIONAL INSURANCE COMPANY (Info),   TX, Naic#: 68047,Naic Group:  549
PROTECTIVE LIFE AND ANNUITY INSURANCE COMPANY (Info),   AL, Naic#: 88536,Naic Group:  458
PROTECTIVE LIFE INSURANCE COMPANY (Info),   TN, Naic#: 68136,Naic Group:  458
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY (Info),   TN, Naic#: 68195,Naic Group:  565
PRUCO LIFE INSURANCE COMPANY (Info),   AZ, Naic#: 79227,Naic Group:  304
PRUDENTIAL ANNUITIES LIFE ASSURANCE CORPORATION (Info),   CT, Naic#: 86630,Naic Group:  304
PRUDENTIAL INSURANCE COMPANY OF AMERICA (THE) (Info),   NJ, Naic#: 68241,Naic Group:  304
REASSURE AMERICA LIFE INSURANCE COMPANY (Info),   IN, Naic#: 70211,Naic Group:  181
RELIANCE STANDARD LIFE INSURANCE COMPANY (Info),   IL, Naic#: 68381,Naic Group:  74
RELIASTAR LIFE INSURANCE COMPANY (Info),   MN, Naic#: 67105,Naic Group:  229
RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK (Info),   NY, Naic#: 61360,Naic Group:  229
RIVERSOURCE LIFE INSURANCE COMPANY (Info),   MN, Naic#: 65005,Naic Group:  4
S.USA LIFE INSURANCE COMPANY, INC. (Info),   AZ, Naic#: 60183,Naic Group:  1347
SAGICOR LIFE INSURANCE COMPANY (Info),   TX, Naic#: 60445,Naic Group:  3766
SAVINGS BANK LIFE INSURANCE COMPANY OF MASSACHUSETTS (THE) (Info),   MA, Naic#: 70435,Naic Group:  4553
SEARS LIFE INSURANCE COMPANY (Info),   TX, Naic#: 69914,Naic Group:  41
SECURIAN LIFE INSURANCE COMPANY (Info),   MN, Naic#: 93742,Naic Group:  869
SECURITY BENEFIT LIFE INSURANCE COMPANY (Info),   KS, Naic#: 68675,Naic Group:  870
SECURITY LIFE INSURANCE COMPANY OF AMERICA (Info),   MN, Naic#: 68721,Naic Group:  492
SECURITY LIFE OF DENVER INSURANCE COMPANY (Info),   CO, Naic#: 68713,Naic Group:  229
SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK (Info),   NY, Naic#: 68772,Naic Group:  0
SECURITY NATIONAL LIFE INSURANCE COMPANY (Info),   UT, Naic#: 69485,Naic Group:  454
SENTINEL SECURITY LIFE INSURANCE COMPANY (Info),   UT, Naic#: 68802,Naic Group:  0
SENTRY LIFE INSURANCE COMPANY (Info),   WI, Naic#: 68810,Naic Group:  169
SETTLERS LIFE INSURANCE COMPANY (Info),   WI, Naic#: 97241,Naic Group:  1211
STANDARD INSURANCE COMPANY (Info),   OR, Naic#: 69019,Naic Group:  1348
STANDARD LIFE AND ACCIDENT INSURANCE COMPANY (Info),   TX, Naic#: 86355,Naic Group:  408
STANDARD LIFE INSURANCE COMPANY OF INDIANA (Info),   IN, Naic#: 69051,Naic Group:  0
STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK (Info),   NY, Naic#: 69078,Naic Group:  450
STARMOUNT LIFE INSURANCE COMPANY (Info),   LA, Naic#: 68985,Naic Group:  0
STATE FARM LIFE INSURANCE COMPANY (Info),   IL, Naic#: 69108,Naic Group:  176
STATE LIFE INSURANCE COMPANY (THE) (Info),   IN, Naic#: 69116,Naic Group:  619
STERLING INVESTORS LIFE INSURANCE COMPANY (Info),   GA, Naic#: 89184,Naic Group:  0
STONEBRIDGE LIFE INSURANCE COMPANY (Info),   VT, Naic#: 65021,Naic Group:  468
SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) (Info),   CT, Naic#: 80926,Naic Group:  549
SUN LIFE ASSURANCE COMPANY OF CANADA (Info),   MI, Naic#: 80802,Naic Group:  549
SUNAMERICA ANNUITY AND LIFE ASSURANCE COMPANY (Info),   AZ, Naic#: 60941,Naic Group:  12
SUNAMERICA LIFE INSURANCE COMPANY (Info),   AZ, Naic#: 69256,Naic Group:  12
SUNSET LIFE INSURANCE COMPANY OF AMERICA (Info),   MO, Naic#: 69272,Naic Group:  588
SURETY LIFE INSURANCE COMPANY (Info),   NE, Naic#: 69310,Naic Group:  8
SYMETRA LIFE INSURANCE COMPANY (Info),   WA, Naic#: 68608,Naic Group:  1129
TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA (Info),   NY, Naic#: 69345,Naic Group:  1216
TEXAS LIFE INSURANCE COMPANY (Info),   TX, Naic#: 69396,Naic Group:  4213
THRIVENT LIFE INSURANCE COMPANY (Info),   MN, Naic#: 97721,Naic Group:  2938
TIAA-CREF LIFE INSURANCE COMPANY (Info),   NY, Naic#: 60142,Naic Group:  1216
TIME INSURANCE COMPANY (Info),   WI, Naic#: 69477,Naic Group:  19
TRANS WORLD ASSURANCE COMPANY (Info),   CA, Naic#: 69566,Naic Group:  896
TRANSAMERICA ADVISORS LIFE INSURANCE COMPANY (Info),   AR, Naic#: 79022,Naic Group:  468
TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY (Info),   NY, Naic#: 70688,Naic Group:  468
TRANSAMERICA LIFE INSURANCE COMPANY (Info),   IA, Naic#: 86231,Naic Group:  468
TRUSTMARK INSURANCE COMPANY (Info),   IL, Naic#: 61425,Naic Group:  276
TRUSTMARK LIFE INSURANCE COMPANY (Info),   IL, Naic#: 62863,Naic Group:  276
U.S. FINANCIAL LIFE INSURANCE COMPANY (Info),   OH, Naic#: 84530,Naic Group:  968
ULLICO LIFE INSURANCE COMPANY (Info),   TX, Naic#: 86371,Naic Group:  781
UNICARE LIFE & HEALTH INSURANCE COMPANY (Info),   IN, Naic#: 80314,Naic Group:  671
UNIFIED LIFE INSURANCE COMPANY (Info),   TX, Naic#: 11121,Naic Group:  0
UNIMERICA INSURANCE COMPANY (Info),   WI, Naic#: 91529,Naic Group:  707
UNION BANKERS INSURANCE COMPANY (Info),   TX, Naic#: 69701,Naic Group:  953
UNION CENTRAL LIFE INSURANCE COMPANY (THE) (Info),   NE, Naic#: 80837,Naic Group:  943
UNION FIDELITY LIFE INSURANCE COMPANY (Info),   IL, Naic#: 62596,Naic Group:  350
UNION LABOR LIFE INSURANCE COMPANY (THE) (Info),   MD, Naic#: 69744,Naic Group:  781
UNION SECURITY INSURANCE COMPANY (Info),   KS, Naic#: 70408,Naic Group:  19
UNITED AMERICAN INSURANCE COMPANY (Info),   NE, Naic#: 92916,Naic Group:  290
UNITED FARM FAMILY LIFE INSURANCE COMPANY (Info),   IN, Naic#: 69892,Naic Group:  542
UNITED FIDELITY LIFE INSURANCE COMPANY (Info),   TX, Naic#: 87645,Naic Group:  449
UNITED HERITAGE LIFE INSURANCE COMPANY (Info),   ID, Naic#: 63983,Naic Group:  2878
UNITED HOME LIFE INSURANCE COMPANY (Info),   IN, Naic#: 69922,Naic Group:  542
UNITED INSURANCE COMPANY OF AMERICA (Info),   IL, Naic#: 69930,Naic Group:  215
UNITED INVESTORS LIFE INSURANCE COMPANY (Info),   NE, Naic#: 94099,Naic Group:  458
UNITED OF OMAHA LIFE INSURANCE COMPANY (Info),   NE, Naic#: 69868,Naic Group:  261
UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK (THE) (Info),   NY, Naic#: 70106,Naic Group:  12
UNITED TEACHER ASSOCIATES INSURANCE COMPANY (Info),   TX, Naic#: 63479,Naic Group:  84
UNITED WORLD LIFE INSURANCE COMPANY (Info),   NE, Naic#: 72850,Naic Group:  261
UNITEDHEALTHCARE INSURANCE COMPANY (Info),   CT, Naic#: 79413,Naic Group:  707
UNITY FINANCIAL LIFE INSURANCE COMPANY (Info),   PA, Naic#: 63819,Naic Group:  786
UNITY MUTUAL LIFE INSURANCE COMPANY (Info),   NY, Naic#: 70114,Naic Group:  786
UNIVERSAL UNDERWRITERS LIFE INSURANCE COMPANY (Info),   KS, Naic#: 70173,Naic Group:  212
UNUM LIFE INSURANCE COMPANY OF AMERICA (Info),   ME, Naic#: 62235,Naic Group:  565
USAA LIFE INSURANCE COMPANY (Info),   TX, Naic#: 69663,Naic Group:  200
VANTIS LIFE INSURANCE COMPANY (Info),   CT, Naic#: 68632,Naic Group:  4668
WASHINGTON NATIONAL INSURANCE COMPANY (Info),   IN, Naic#: 70319,Naic Group:  233
WEST COAST LIFE INSURANCE COMPANY (Info),   NE, Naic#: 70335,Naic Group:  458
WESTERN AND SOUTHERN LIFE INSURANCE COMPANY (THE) (Info),   OH, Naic#: 70483,Naic Group:  836
WESTERN NATIONAL LIFE INSURANCE COMPANY (Info),   TX, Naic#: 70432,Naic Group:  12
WESTERN RESERVE LIFE ASSURANCE CO OF OHIO (Info),   OH, Naic#: 91413,Naic Group:  468
WESTERN-SOUTHERN LIFE ASSURANCE COMPANY (Info),   OH, Naic#: 92622,Naic Group:  836
WILTON REASSURANCE LIFE COMPANY OF NEW YORK (Info),   NY, Naic#: 60704,Naic Group:  4213
ZALE LIFE INSURANCE COMPANY (Info),   AZ, Naic#: 71323,Naic Group:  669
ZURICH AMERICAN LIFE INSURANCE COMPANY (Info),   IL, Naic#: 90557,Naic Group:  212

Not all states license the same carriers, but many overlap.  so here is the Texas List:

 

TDI Number     Company Name     Consumer Phone Number     Website
63800     ALTA HEALTH & LIFE INSURANCE COMPANY     Contact Local Agent     www.greatwesthealthcare.com
1900     AMERICAN CAPITOL INSURANCE COMPANY     (800) 323-0050     www.utgins.com
93574     AMERICAN CENTURY LIFE INSURANCE COMPANY OF TEXAS     (888) 712-7770
2320     AMERICAN EXCHANGE LIFE INSURANCE COMPANY     (800) 625-7294     www.uafc.com
27100     AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS     (800) 992-3522     www.aflac.com
2370     AMERICAN FIDELITY ASSURANCE COMPANY     (800) 735-9701
3150     AMERICAN HOME LIFE INSURANCE COMPANY, THE     (800) 876-0199     www.amhomelife.com
3250     AMERICAN INCOME LIFE INSURANCE COMPANY     (800) 433-3405     www.ailife.com
4520     AMERICAN PIONEER LIFE INSURANCE COMPANY     (800) 538-1053     www.amerpion.com
4500     AMERICAN NATIONAL INSURANCE COMPANY     (800) 899-6806     www.anico.com
4510     AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS     (800) 899-6806     www.anico.com
4620     AMERICAN PUBLIC LIFE INSURANCE COMPANY     (800) 256-8606     www.ampublic.com
5350     AMERICAN UNITED LIFE INSURANCE COMPANY     (800) 537-6442     www.oneamerica.com
93813     AMERICAN-AMICABLE LIFE INSURANCE COMPANY OF TEXAS     (800) 736-7311      www.americanamicable.com
17450     AMERICO FINANCIAL LIFE AND ANNUITY INSURANCE COMPANY     (800) 231-0801     www.americo.com
5600     AMICA LIFE INSURANCE COMPANY     (800) 619-6077     www.amica.com
30800     ASSURITY LIFE INSURANCE COMPANY     (800) 869-0355     www.assurity.com
26250     AXA EQUITABLE LIFE INSURANCE COMPANY     (800) 777-6510     www.axa-equitable.com
5543     BALTIMORE LIFE INSURANCE COMPANY, THE     (800) 628-5433 ext. 6637 or 6655; E-mail: info@baltlife.com     www.baltlife.com
7700     BANKERS FIDELITY LIFE INSURANCE COMPANY     (866) 458-7500      www.bflic.com
7900     BANKERS LIFE AND CASUALTY COMPANY     (800) 231-9150     www.bankerslife.com
8050     BANKERS LIFE INSURANCE COMPANY OF AMERICA     (800) 825-9652
93897     BANNER LIFE INSURANCE COMPANY     (800) 638-8428     www.lgamerica.com
93870     C. M. LIFE INSURANCE COMPANY     (800) 272-2216     www.massmutual.com
12100     CALANTHE, GRAND COURT ORDER OF     (713) 659-7736
12650     CANADA LIFE ASSURANCE COMPANY, THE     Contact Local Agent     www.greatwesthealthcare.com
5364     CANADA LIFE INSURANCE COMPANY OF AMERICA     Contact Local Agent     www.greatwesthealthcare.com
14040     CATHOLIC FAMILY FRATERNAL OF TEXAS – K.J.Z.T.     (888) 253-2338     www.kjzt.org
96009     CATHOLIC KNIGHTS     (800) 927-2547      www.catholicknights.org
14000     CATHOLIC LIFE INSURANCE     (210) 828-9921 ext. 179     www.catholiclifeinsurance.com
14030     CATHOLIC ORDER OF FORESTERS     (800) 552-0145     www.catholicforester.org
22450     CATHOLIC UNION OF TEXAS, THE K.J.T.     (800) 245-8182     www.kjtnet.org
5856     CENTRAL RESERVE LIFE INSURANCE COMPANY     (866) 459-4272
15000     CENTRAL SECURITY LIFE INSURANCE COMPANY     (972) 699-2770     www.cslic.com
93609     CENTRAL UNITED LIFE INSURANCE COMPANY     (800) 669-9030     www.manhattanlife.com
4850     CHRISTIAN FIDELITY LIFE INSURANCE COMPANY     (866) 641-9999     www.oxfordlife.com
5253     CICA LIFE INSURANCE COMPANY OF AMERICA     (800) 880-5044
43550     CINCINNATI LIFE INSURANCE COMPANY, THE     Contact Local Agent     www.cinfin.com
18290     CITIZENS NATIONAL LIFE INSURANCE COMPANY     (866) 307-4711
94875     CITIZENS SECURITY LIFE INSURANCE COMPANY     (800) 843-7752      www.citizenssecuritylife.com
93561     COLONIAL AMERICAN LIFE INSURANCE COMPANY     (800) 872-3044
17730     COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY     (800) 325-4368     www.coloniallife.com
17780     COLONIAL PENN LIFE INSURANCE COMPANY     (877) 877-8052      www.colonialpenn.com
5182     COLUMBUS LIFE INSURANCE COMPANY     (800) 677-9595      www.columbuslife.com
18250     COMBINED INSURANCE COMPANY OF AMERICA     (888) 878-2422     www.combined.com
5431     COMMONWEALTH ANNUITY AND LIFE INSURANCE COMPANY     (866) 297-7531     www.cwannuity.com
93429     CONSECO INSURANCE COMPANY     (800) 525-7662      www.conseco.com
20300     CONSTITUTION LIFE INSURANCE COMPANY     (800) 789-6364     www.constitutionlife.com
20625     CONTINENTAL GENERAL INSURANCE COMPANY     (866) 459-4272      www.continentalgeneral.com
22350     CROWN LIFE INSURANCE COMPANY, THE     Contact Local Agent     www.greatwesthealthcare.com
93865     DALLAS GENERAL LIFE INSURANCE COMPANY     (866) 641-9999     www.oxfordlife.com
23210     DEGREE OF HONOR PROTECTIVE ASSOCIATION     (800) 947-5812      www.degreeofhonor.com
5893     DIRECT GENERAL LIFE INSURANCE COMPANY     (877) 463-4732     www.directgeneral.com
25780     EMC NATIONAL LIFE COMPANY     (800) 232-5818     www.emcnl.com
93905     EMPLOYEES LIFE COMPANY (MUTUAL)     (800) 321-3526
26225     EQUITABLE LIFE AND CASUALTY INSURANCE COMPANY     (800) 352-5150     www.EquiLife.com
5639     FAMILY HERITAGE LIFE INSURANCE COMPANY OF AMERICA     (888) 779-9855     www.familyheritagelife.com
27190     FAMILY LIFE INSURANCE COMPANY     (800) 669-9030     www.manhattanlife.com
28600     FARMERS NEW WORLD LIFE INSURANCE COMPANY     (800) 327-6377     www.farmers.com
28850     FEDERAL LIFE INSURANCE COMPANY (MUTUAL)     (847) 520-1900     www.federallife.com
96134     FIRST GUARANTY INSURANCE COMPANY     (800) 264-5191     www.first-gic.com
93560     FIRST PENN-PACIFIC LIFE INSURANCE COMPANY     (800) 254-6265     www.lfg.com
93796     FORETHOUGHT LIFE INSURANCE COMPANY     (800) 959-6886     www.forethought.com
5896     FORETHOUGHT NATIONAL LIFE INSURANCE COMPANY     (800) 959-6886     www.forethought.com
31980     GARDEN STATE LIFE INSURANCE COMPANY     (800) 638-8565     www.garden-state.com
48150     GENWORTH LIFE AND ANNUITY INSURANCE COMPANY     (800) GENWORTH (436-9678)
86655     GENWORTH LIFE INSURANCE COMPANY     (800) GENWORTH (436-9678)
32985     GERBER LIFE INSURANCE COMPANY     (800) 253-3074     www.gerberlife.com
6129     GERMANIA LIFE INSURANCE COMPANY     (800) 392-2202 ext. 1942     www.germaniainsurance.com
93636     GLOBE LIFE AND ACCIDENT INSURANCE COMPANY     (800) 801-6831     www.globeontheweb.com
34000     GOLDEN STATE MUTUAL LIFE INSURANCE COMPANY     (800) CALL-GSM (225-5476)     www.gsmlife.com
93845     GREAT AMERICAN LIFE INSURANCE COMPANY     (800) 880-2745     www.gafri.com
84630     GREAT FIDELITY LIFE INSURANCE COMPANY     (800) 333-2525     www.iai-online.com
69590     GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY     Contact Local Agent     www.greatwesthealthcare.com
37060     GUARANTY INCOME LIFE INSURANCE COMPANY     (800) 535-8110     www.gilico.com
37200     GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, THE     (888) 487-7342     www.guardianlife.com
38560     HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY     Individual Policies: (800) 800-2738; Group Policies: (877) 663-4278     Individual: www.hartfordinvestor.com; Group: www.thehartfordatwork.com/thawvr10/
42162     HARTFORD LIFE AND ANNUITY INSURANCE COMPANY     Individual Policies: (800) 800-2738     Individual: www.hartfordinvestor.com
93435     HARTFORD LIFE INSURANCE COMPANY     Individual Policies: (800) 800-2738; Group Policies: (877) 663-4278     Individual: www.hartfordinvestor.com; Group: www.thehartfordatwork.com/thawvr10/
40930     HORACE MANN LIFE INSURANCE COMPANY     (800) 999-1030     www.horacemann.com
5215     HOUSEHOLD LIFE INSURANCE COMPANY     (866) 925-4722     http://insurance.hsbcusa.com
93526     HUMANA INSURANCE COMPANY     (800) 257-3026      www.humana-one.com/life-insurance/term-life-insurance.asp
93529     ILLINOIS MUTUAL LIFE INSURANCE COMPANY     (800) 437-7355     www.illinoismutual.com
42750     INDEPENDENT ORDER OF FORESTERS, THE     (800) 828-1540     www.foresters.com
93500     INDIVIDUAL ASSURANCE COMPANY, LIFE, HEALTH & ACCIDENT     (800) 821-5434     www.iac-group.com
425     ING LIFE INSURANCE AND ANNUITY COMPANY     (800) 626-2286     www.ing.com\pro
93594     INTEGRITY LIFE INSURANCE COMPANY     (800) 804-4465      www.integritycompanies.com
5597     INVESTORS CONSOLIDATED INSURANCE COMPANY     (800) 669-9030     www.manhattanlife.com
30155     INVESTORS LIFE INSURANCE COMPANY OF NORTH AMERICA     (800) 925-6000     www.ficgroup.com
5227     JACKSON NATIONAL LIFE INSURANCE COMPANY     (800) 664-4565     www.jnl.com
5450     KANAWHA INSURANCE COMPANY     (800) 635-4252     www.kmgamerica.com
45350     KANSAS CITY LIFE INSURANCE COMPANY     (800) 821-6164 ext. 8060      www.kclife.com
93879     KILPATRICK LIFE INSURANCE COMPANY     (800) 235-0555     www.klic.com
46650     LAFAYETTE LIFE INSURANCE COMPANY, THE     (866) 937-5542     www.llic.com
46980     LANDMARK LIFE INSURANCE COMPANY     (800) 299-5433     www.landmarklife.com
5218     LIBERTY BANKERS LIFE INSURANCE COMPANY     (800) 745-4927     www.libertybankerslife.com
47970     LIBERTY NATIONAL LIFE INSURANCE COMPANY     (205) 325-4979      www.libnat.com
48100     LIFE INSURANCE COMPANY OF NORTH AMERICA     (800) 828.3485     www.cigna.com
48130     LIFE INSURANCE COMPANY OF THE SOUTHWEST     Contact Local Agent     www.lifeofsouthwest.com
5796     LINCOLN HERITAGE LIFE INSURANCE COMPANY     (866) 206-0024     www.lhlic.com
17770     LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK     (800) 254-6265      www.lfg.com
48500     LINCOLN NATIONAL LIFE INSURANCE COMPANY, THE     (800) 254-6265      www.lfg.com
49420     LOYAL AMERICAN LIFE INSURANCE COMPANY     (800) 633-6372      www.gafri.com
50700     MANHATTAN LIFE INSURANCE COMPANY, THE     (800) 669-9030     www.manhattanlife.com
93915     MARQUETTE NATIONAL LIFE INSURANCE COMPANY     (800) 934-8203     www.marquettenationallife.com
52250     MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY     (800) 272-2216     www.massmutual.com
55650     MINNESOTA LIFE INSURANCE COMPANY     (651) 665-3500     www.minnesotalife.com
64900     MML BAY STATE LIFE INSURANCE COMPANY     (800) 272-2216     www.massmutual.com
55950     MODERN WOODMEN OF AMERICA     (800) 447-9811     www.modern-woodmen.org
5528     MOLINA HEALTHCARE INSURANCE COMPANY     (888) 562-5442     www.molinahealthcare.com
93773     MONITOR LIFE INSURANCE COMPANY OF NEW YORK     (800) 422-6200     www.commercialtravelers.com
93669     MUTUAL OF AMERICA LIFE INSURANCE COMPANY     (800) 468-3785     www.mutualofamerica.com
27015     NATIONAL FAMILY CARE LIFE INSURANCE COMPANY     (800) 527-0996     www.nfclife.com
58450     NATIONAL GUARDIAN LIFE INSURANCE COMPANY     (800) 988-0826     www.nglic.com
58900     NATIONAL LIFE INSURANCE COMPANY     Contact Local Agent     www.nationallife.com
59190     NATIONAL SECURITY INSURANCE COMPANY     (800) 798-2370     www.nationalsecuritygroup.com
5805     NATIONAL STATES INSURANCE COMPANY     (800) 868-6788     www.nstates.com
59560     NATIONAL WESTERN LIFE INSURANCE COMPANY     (800) 760-3434 ext. 147      www.nationalwesternlife.com
93864     NATIONWIDE LIFE AND ANNUITY COMPANY OF AMERICA     (800) 523-4681     www.nationwide.com
68700     NATIONWIDE LIFE INSURANCE COMPANY OF AMERICA     (800) 523-4681     www.nationwide.com
93723     NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION     (800) 710-7945     www.newyorklife.com
60350     NEW YORK LIFE INSURANCE COMPANY     (800) 710-7945     www.newyorklife.com
61180     NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE     (800) 800-3656      www.nacolah.com
93720     NORTH CAROLINA MUTUAL LIFE INSURANCE COMPANY     (800) 626-1899     www.ncmutuallife.com
62000     NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY, THE     (414) 271-1444     www.nmfn.com
5486     NYLIFE INSURANCE COMPANY OF ARIZONA     (800) 710-7945     www.newyorklife.com
62600     OCCIDENTAL LIFE INSURANCE COMPANY OF NORTH CAROLINA     (800) 736-7311      www.americanamicable.com
94392     OLD SURETY LIFE INSURANCE COMPANY     (800) 272-5466
64010     OXFORD LIFE INSURANCE COMPANY     (866) 641-9999     www.oxfordlife.com
93760     PAN-AMERICAN ASSURANCE COMPANY     (877) 939-4550     www.panamericanlife.com
64650     PAN-AMERICAN LIFE INSURANCE COMPANY     (877) 939-4550     www.panamericanlife.com
65100     PAUL REVERE VARIABLE ANNUITY INSURANCE COMPANY, THE     Austin Sales Office 800-643-5005; Dallas Sales Office 800-442-0915; Houston Sales Office 800-543-8686     www.unum.com
65450     PENNSYLVANIA LIFE INSURANCE COMPANY     (800) 275-7366     www.pennlife.com
95327     PHARMACISTS LIFE INSURANCE COMPANY, THE     (800) 247-5930      www.phmic.com
93909     PHL VARIABLE INSURANCE COMPANY     (800) 628-1936     www.phoenixwm.phl.com/public/customerservice/index.jsp
66520     PHYSICIANS LIFE INSURANCE COMPANY     (888) 932-7642      www.physiciansmutual.com
66530     PHYSICIANS MUTUAL INSURANCE COMPANY     (888) 932-7642      www.physiciansmutual.com
66800     PIONEER AMERICAN INSURANCE COMPANY     (800) 736-7311      www.americanamicable.com
93888     PIONEER MUTUAL LIFE INSURANCE COMPANY, A STOCK SUBSIDIARY OF AMERICAN UNITED MUTUAL INSURANCE HOLDING COMPANY     (800) 437-4692     www.oneamerica.com
66920     PIONEER SECURITY LIFE INSURANCE COMPANY     (800) 736-7311      www.americanamicable.com
67000     POLICE AND FIREMEN’S INSURANCE ASSOCIATION     (800) 221-7342
67050     POLISH NATIONAL ALLIANCE OF THE UNITED STATES OF NORTH AMERICA     (800) 621-3723 Membership Department ext. 330, 344 or 368     www.pna-znp.org
67100     POLISH ROMAN CATHOLIC UNION OF AMERICA     (800) 772-8632     www.prcua.org
67720     PRESIDENTIAL LIFE INSURANCE COMPANY     (866) 328-2801
52200     PRIMERICA LIFE INSURANCE COMPANY     (770) 381-1000     www.primerica.com
8000     PRINCIPAL LIFE INSURANCE COMPANY     (800) 986-3343      www.principal.com
68400     PROTECTIVE LIFE INSURANCE COMPANY     (800) 866-9933      www.protective.com
5917     PROVIDENT AMERICAN LIFE & HEALTH INSURANCE COMPANY     (866) 459-4272      www.palhic.com
68655     PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY     Austin Sales Office 800-643-5005; Dallas Sales Office 800-442-0915; Houston Sales Office 800-543-8686     www.unum.com
69100     PYRAMID LIFE INSURANCE COMPANY, THE     (800) 777-1126     www.pyramidlife.com
70170     RELIANCE STANDARD LIFE INSURANCE COMPANY     (800) 351-7500     www.reliancestandard.com
62150     RELIASTAR LIFE INSURANCE COMPANY     (800) 626-2286     www.ing.com\pro
8150     RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK     (800) 626-2286     www.ing.com\pro
42125     RIVERSOURCE LIFE INSURANCE COMPANY     (800) 882-1244     www.ameriprise.com
94576     ROCKLAND LIFE INSURANCE COMPANY     (800) 926-7599     www.presidentiallife.com
71600     ROYAL NEIGHBORS OF AMERICA     (866) 845-6665      www.royalneighbors.org
94768     S.USA LIFE INSURANCE COMPANY, INC.     (866) 787-2932
2655     SAGICOR LIFE INSURANCE COMPANY     (800) 531-5067     www.sagicorlifeusa.com
73460     SECURITY LIFE OF DENVER INSURANCE COMPANY     (800) 626-2286     www.ing.com\pro
5250     SECURITY NATIONAL LIFE INSURANCE COMPANY     800-574-7117     www.securitynational.com
95692     SENIOR LIFE INSURANCE COMPANY     (877) 777-8808 ext. 112     www.senior-insurers.com
6148     SHENANDOAH LIFE INSURANCE COMPANY     (800) 848-5433 ext. 2001     www.shenlife.com/wps/portal
75400     SONS OF HERMANN IN THE STATE OF TEXAS, GRAND LODGE OF THE ORDER OF THE     (800) 234-4124      www.texashermannsons.org
95312     SOUTHLAND NATIONAL INSURANCE CORPORATION     (800) 277-8762
74955     SPJST     (800) 727-7578     www.spjst.org
93937     STANDARD INSURANCE COMPANY     (800) 628-8600
78505     STANDARD LIFE AND ACCIDENT INSURANCE COMPANY     (800) 514-2080     www.slaico.com
4908     STANDARD LIFE AND CASUALTY INSURANCE COMPANY     (800) 327-0695
79200     STATE FARM LIFE INSURANCE COMPANY     Contact Local Agent     www.statefarm.com
79300     STATE LIFE INSURANCE COMPANY, THE     (800) 428-2316     www.oneamerica.com
5189     STATE MUTUAL INSURANCE COMPANY     (800) 321-0102
82200     TEXAS LIFE INSURANCE COMPANY     (800) 283-9233     www.texaslife.com
82527     TEXAS SECURITY MUTUAL LIFE INSURANCE COMPANY     (361) 594-8520
5945     TEXAS SERVICE LIFE INSURANCE COMPANY     (800) 756-7306     www.tslic.com
94323     TIAA-CREF LIFE INSURANCE COMPANY     (877) 825-0411     www.tiaa-cref.org/life
93704     UNICARE LIFE & HEALTH INSURANCE COMPANY     (800) 333-2203      www.unicare.com
84950     UNION BANKERS INSURANCE COMPANY     (800) 824-3577     www.uafc.com
85050     UNION CENTRAL LIFE INSURANCE COMPANY, THE     (800) 319-6901     www.unioncentral.com
85130     UNION LABOR LIFE INSURANCE COMPANY, THE     (877) 820-7448
93755     UNITED AMERICAN INSURANCE COMPANY     (800) 331-2512     www.unitedamerican.com
86050     UNITED COMMERCIAL TRAVELERS OF AMERICA, THE ORDER OF     (800) 848-0123      www.uct.org
95755     UNITED HOME LIFE INSURANCE COMPANY     (800) 428-3001     www.unitedhomelife.com
93876     UNITED INVESTORS LIFE INSURANCE COMPANY     (800) 288-2722 ext. 4329     www.uilic.com
6085     UNITED LIFE INSURANCE COMPANY     (800) 637-6318     www.unitedlifeins.com
85950     UNITED OF OMAHA LIFE INSURANCE COMPANY     (800) 775-6000     www.mutualofomaha.com
5815     UNITED TEACHER ASSOCIATES INSURANCE COMPANY     (800) 880-8824      www.utainteractive.com
5894     UNITY FINANCIAL LIFE INSURANCE COMPANY     (877) 523-3231     www.uflife.com
93452     UNITY MUTUAL LIFE INSURANCE COMPANY     (315) 448-7000     www.unity-life.com
93771     UNIVERSAL GUARANTY LIFE INSURANCE COMPANY     (800) 323-0050     www.utgins.com
85310     UNUM LIFE INSURANCE COMPANY OF AMERICA     Austin Sales Office 800-643-5005; Dallas Sales Office 800-442-0915; Houston Sales Office 800-543-8686     www.unum.com
95895     VANTISLIFE INSURANCE COMPANY     (866) 826-8471      www.vantislife.com
90030     WEST COAST LIFE INSURANCE COMPANY     (800) 866-9933      www.protective.com
90200     WESTERN AMERICAN LIFE INSURANCE COMPANY     (972) 699-2770     www.walic.com
91050     WESTERN AND SOUTHERN LIFE INSURANCE COMPANY, THE     (866) 832-7719      www.westernsouthernlife.com
90600     WESTERN FRATERNAL LIFE ASSOCIATION     (877) 935-2467     www.wflains.org
93738     WESTERN-SOUTHERN LIFE ASSURANCE COMPANY     (866) 832-7719      www.westernsouthernlife.com
61150     WOMAN’S LIFE INSURANCE SOCIETY     (800) 521-9292     www.womanslife.org
92600     WOODMEN OF THE WORLD LIFE INSURANCE SOCIETY     (800) 225-3108     www.woodmen.org

 

 

]]> http://www.lifeinsurance.net/finding-an-insurance-company/feed/ 0 Cholesterol and Life Insurance http://www.lifeinsurance.net/cholesterol-and-life-insurance/ http://www.lifeinsurance.net/cholesterol-and-life-insurance/#comments Tue, 21 Jun 2011 18:57:58 +0000 LifeInsurance Editor http://www.lifeinsurance.net/?p=160 Blood might be thicker than water,  but chemically it looks pretty much like an ocean puddle.  Cholesterol, like most oils, doesn’t mix well with water, and therefore needs some help traveling through the blood stream.  LDL (low density lipoprotein) is a fatty, messy chemical that tends to spread into a sticky paste as it moves through the blood.  As it flows through the bloodstream, it can catch on and stick to blood vessel walls.  Once a deposit starts , it tends to attract and hold additional material and build up into thick coatings or plaques in the blood vessels.  Nasty, high risk stuff.  HDL (high density lipoprotein) behaves differently.  HDL forms into self contained clumps  that move easily through the bloodstream  until they eventually arrive in the liver where they are filtered out and removed from the body.  Even better,  because oily molecules attract each other,  the HDL moving through the bloodstream tends to grab onto some of the LDL floating by , taking it along to the liver to be cleared from the system.

The clumping, cleansing capabilities of HDL vs. the sticky, pasty nature of LDL give rise to the imagery of “Good Cholesterol” versus “Bad Cholesterol”.    Whether cholesterol presents a health risk in a particular body, or even in a specific blood vessel is a product of a number of a factors.  The health risk is not only a factor of how much cholesterol is circulating in the blood stream, but also of the ratio between the good cleansing cholesterol and the bad pasty cholesterol.  The structure of the blood vessel itself can also play a major role.   A healthy, smooth and clean blood vessel is at lower risk than a vessel weakened by  foreign gunk, obstructions, scratches, scars and plaque lining its walls.

When life insurance companies are rating a health risk, and have the look at risks from elevated cholesterol, they consider both absolute cholesterol levels and the ratio between bad an good cholesterol.   Given a specific amount of cholesterol in your bloodstream,  the underlying risk it presents is determined by  the ratio of Total Cholesterol to HDL.  A very low ratio can halve the risk, while a high ratio can triple the risk. The higher the risk, the higher the life insurance insurance premiums.

Cholesterol ratios run from around 1 to 12.    The higher the number the richer your blood is in the bad stuff.  An average ratio is  3.6 times as much bad cholesterol as good cholesterol.  If that ratio rises to 6 the risk doubles, and at 8 the risk is triple.  A man with an even split of HDL and LDL actually reduces his risk of coronary artherosclerosis and serious heart disease by half.

But HDL levels aren’t just neutral.   HDL levels have an inverse relationship with coronary heart disease .  The ability of HDL to predict the development of coronary atherosclerosis has been estimated to be four times greater than the predictive power of  your LDL levels and eight times greater than Total Cholesterol.  So you will see that most life insurance carriers adjust their ratings based on the cholesterol ratio rather than on the underlying Total Cholesterol.  For most patients, treatment is recommended for those with a HDL level below 40 mg/dL while an HDL level  of 60 mg/dL is considered protection against heart disease.

Since successful cholesterol treatment removes the plaque forming gunk from the bloodstream, it is generally very successful in preventing life threatening damage from occurring.  Therefore, most insurance companies will treat well treated cholesterol as if it wasn’t a factor.

Here is a sampling of how some life insurance carriers look at Cholesterol

TransAmerica:

An overall cholesterol level of 230 with a ratio of 5.0 can generally get you a preferred plus health class from a carrier, while a 300 level and a ratio of 6.0 would put you in a standard class.

Banner Life Insurance Company

As long as your overall cholesterol is between 120 to 300, Banner determines your health class based on the ratio.   4.5  is preferred plus, 5 is preferred and standard is 8.

Genworth’s Life and Annuity Company

Genworth sets its range at 150 to 300, and then looks at the ratio to determine health class.  Its health classification differentiates between men and women.  For preferred plus health class men need to below 4.5 and women below 4.0.  In standard health class you could go as high as 7.5 or 7.0 depending on your gender.

Prudential Life Insurance Company

Prudential Life Insurance is a little bit more generous on cholesterol issues.  Preferred Plus is available up to a ratio of 5, Preferred is 6 and a ratio of 7 can still get you standard plus.

MetLife

Metlife differentiates based on the aged of the life insurance applicant. They are more forgiving for younger applicants, and they don’t differentiate between treated and untreated in underwriting their life insurance policies for cholesterol risk.

To qualify for Preferred Plus:

Age 54 & under – 220 or less and Ratio 5.0 or less,  Age 55 & over – 240 or less and Ratio 5.0 or less OR 260 or less an Ratio 4.5 or less.

To qualify for standard, the Metlife criteria are especially generous.

Ages 0 to 65 – 350 or less and Ratio 8.0 or less, Ages 66 & older – 350 or less and Ratio 9.6 or less

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