Senior Life Insurance
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Seniors No Exam Whole Life Insurance
Senior life insurance is an important tool that should be a part of everyone's plan to protect against financial loss at death. In exchange for payment of premiums, an insurance company agrees to pay your beneficiary an amount of money based on the death benefit of your policy.
There are many good reasons to purchase life insurance and the type of coverage you need depends on the amount needed to cover both anticipated and unanticipated expenses for your family and loved ones. Life insurance can be used to pay funeral expenses, replace lost income, pay off debts or loans, create a fund for your children's or grandchildren's education, or care for dependents or loved ones with special needs.
Standard Life and Accident Insurance Company
Standard Life has exclusively focused on serving the insurance needs of seniors for more than 50 years, and today is recognized as one of the country’s premier insurers in the senior market. With a history of a strong commitment to integrity, we have built our company on quality service and developed our business to provide seniors with realistic products that solve their special needs for financial security.
Standard Life respects the wisdom and experience of older individuals and works hard to earn their trust. Our policies are sold and serviced by caring professionals who understand the needs and aspirations of our policyholders. We pledge to remain sensitive to the emotional and financial impact of aging and to keep abreast of trends in the growing senior population in order to provide our policyholders with the most effective products in the market.
Standard Life and Accident Insurance Company has excellent financial strength rating with all the major rating agencies:
A.M. Best Rating: A (Excellent)
The A.M. Best Company, one of the nation's leading independent insurance rating companies, awards Standard Life its rating of A (Excellent), third highest of 16 rating categories. Best's ratings are assigned after an extensive analysis using a series of profitability, leverage and liquidity tests, which measure performance in such vital areas as competency of underwriting, control of expenses, adequacy of reserves, soundness of investments and capital sufficiency.
Standard & Poor's Rating: A (Strong)
Standard & Poor's has assigned a rating of A (Strong) to Standard Life, the sixth highest of twenty active financial strength ratings. The rating of Standard Life reflects the company's extremely strong capitalization, strong financial flexibility and liquidity, and very strong earnings performance, supported by underwriting earnings and investment earnings on its capital base.