Any REAL suggestions on the best LIFE insurance company for me to go with?

I'm 31 with three children. It's time I get a life insurance policy. I've done research but would like to hear REAL advice and suggestions from others who have life insurance. Also, what are your thoughts on Universal policies? I would like to get a policy in the amount of $350,000-$500,000. Premiums not exceeding over $90 a month if possible. ***No Googlers, Please*** If any other info is needed to give me a good answer please state so and I will add it as I see it. Thank you.

Asked By: ▒♥▒♥▒♥▒♥▒™ - 2/26/2008
Best Answer - Chosen by Asker
Good job on thinking about some life insurance... More
Answered By: BrianW - 2/26/2008
Additional Answers (6)
term life insurance is a commodity now a days. the companies have been waging price wars. just get one with a rate u can afford and solid ratings. used selectquotes recently.
Answered By: robert w - 2/26/2008
I would suggest 30 year level term. I can get you a estimate for $467,000 for $89.88. I would have to know your state and ask some health questions to give you a firm quote. The company you want to go with should have a Standard & Poor's rating of A or higher. Equity Indexed Universal life is a safe way to get the... More
Answered By: lawman - 2/26/2008
... More
Answered By: Older Professor - 2/26/2008
My wife and I have our policy through Primerica. The company is competitive in price but coverage is awesome... More
Answered By: Mark S - 2/26/2008
New York Life is the best company out there for Life Insurance because... More
Answered By: Financial Wizard - 2/26/2008
Level term life insurance for those amounts is a lot less than $90 a month, according to, which surveys 25 leading insurance companies--those with A.M. Best Company ratings of A++ or A+, called "Superior," and those with ratings of A or A-, considered "Excellent"--to find the lowest rates available for level... More
Answered By: Bradley S - 2/26/2008
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