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Vera Said:

I'm looking for an honest, good life insurance company. Anyone with experiences on this?

We Answered:

Make a list of loans/expenses that need to be paid in the event of your death, add them up and that's the amount of life insurance you need to have. Go for Term of insurance of this amount and the duration of Term should be long enough to cover your mortgage amortization period and also to cover the period till your kids are financially dependant on you.

All life insurance companies are good. You should prefer the one which offers you the lowest premium. So talk to an ethical/honest advisor to shop around for you.

Luis Said:

How come these companies like metlife, prudential, and new york life, are allowed to ripp people off?

We Answered:

They don't.

Take your personal problems somewhere else