Knock 25% off Your Life Insurance Premiums

Finding a Safe Insurance Company

When choosing an insurance company, be sure to check its safety rating. Never scrimp on safety. Remember, you are depending on the insurance company to be around in 20, 30, maybe even 50 years from now. So make sure you are satisfied that you are getting not only a great deal on premiums, but also a rock-solid company behind your insurance policy.

Write down the names and numbers of all your insurance companies, everything from health, to life, to homeowners, to auto. Now get the company's ratings.

There's no charge from Moody's (212/553-0377) and Standard & Poor's (212/438-2400 or e-mail ratings_request@standardandpoors.com). You should look for a rating of at least AA from S&P and Aa2 from Moody's.

Another favorite online ratings site is www.weissratings.com - look for an A+ and A ratings from them.

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