Carrier Comparison
Carriers ranked by NAIC complaint ratio, AM Best rating, estimated premium, and policy features.
Carrier Comparison Scoring
Carriers are ranked by a weighted composite score:
- Estimated premium (40%) -- actuarial premium based on coverage, age, sex, risk class
- AM Best financial strength (25%) -- carrier ability to pay claims
- NAIC complaint ratio (20%) -- customer satisfaction metric
- Policy features (15%) -- conversion options, accelerated death benefit, waiver of premium