best life insurance policies 2016 new


The phrase “life insurance” can make even the most mature, financially responsible adults squirm. It doesn’t just remind me of my own mortality; it also has a reputation for being complicated — not the most charming combo, or the most compelling way to spend a Saturday afternoon.

But I tackled figuring it out and it ended up being more manageable than I thought: All my top picks offer unshakable financial strength, a couple of key policy provisions, and enough options to let you personalize your coverage for your unique situation. That said, you’ll need to get quotes to help figure out who you’ll end up buying a policy from — every provider has different risk factors and different premiums, and the one with the best rates for me won’t necessarily have the best rates for you.

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