best way travel service co. ltd

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Best Way Travel

• 7F., No. 57, Fuxing N. Rd., Songshan Dist., Taipei City 105404 , Taiwan
• (02)2772-3388
• [email protected]
• https://www.bwt.com.tw/

• : 099-313-9644
• : [email protected]

Best Way Trips Co., Ltd.

We are tour operations in Phuket and South of Thailand. And also provided transportation service and hotels reservation. We are continuing to ensure… With over 15 years of managements experiences in this business, we will certainly guide you the way you enjoy the most.

Specializes in quality tours and transportation services in Phuket, Krabi & Phang Nga. All our programs include the assistance of a guide for the whole time, private transportation by car, minibus or bus and always very comfortable accom., even when camping in the jungle.

Company Profiles

– Company Establishment: 14 February 2006 – Capital register & paid up: Thai Baht 1,000,000 – License Number: TAT 34/00466 – Address: 97/164 Moo 4, T. Wichit, A. Muang, Phuket 83000 THAILAND – Telephone: +66 76 522 905-7 – Facsimile: +66 76 522 776-7 – Electronic Mail: [email protected], [email protected] – Homepage (URL): http://www.bestwaythailand.com – Management: Mr. Sorrathorn Chayasakulwong (Sam) / General Manager – Website: http://www.bestwaythailand.com | http://www.phuketbestway.com | http://www.phuketbus.com

Bestway Tours & Safaris

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$1,095 — 24,595

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Bestway tours & safaris reviews & ratings, i took the most amazing tour.

I took the most amazing tour across Portugal and Spain through Bestway Tours last year. It was a 10 day tour visiting historic cities across the countries and was bl...

Very well organized

Very well organized and efficient staff. Had not 1 but 2 wonderful trips organized by Bestway Tours. Egypt and the second one to Portugal and Spain. Every event went...

The trip was not cancelled but not by me

I had a trip to Russia and India in April 2020. The trip was not cancelled but not by me. The Russian part of the trip was refunded 100%. The flights (over $4,000) w...

Highly Recommended

We took the tour Kenya and Tanzania with Victoria Falls in November, 2018. Bestway took such good care of us from initial inquiries through booking, organizing the t...

ease of travelling, great spots and fabulous staff

ease of travelling, great spots and fabulous staff.

See all Bestway Tours & Safaris reviews

Editoral Review of Bestway Tours & Safaris

Originally founded by three brothers in 1978, Bestway Tours & Safaris has been in the business a long time without losing touch on the ever-evolving tastes and trends that travelers want to experience around the world. With headquarters in Vancouver, British Columbia, Bestway Tours & Safaris provides both independent and group tours in most major tourism regions –and several that are more off-the-beaten-path.

What Makes Them Stand Out?

Bestway Tours & Safaris is completely flexible to customize an itinerary based on the exact travel desires and needs of each person on the trip. Whether you’re looking for a fully-guided experience or one where the arrangements are pre-set but you call the shots, they can provide.

Who Travels With Them?

Bestway Tours & Safaris targets travelers who are looking for a luxurious experience but expect to immerse themselves in each destination on the itinerary. Most trips are not physically strenuous, but that is certainly an option depending on the traveler. Instead, travelers from any age can find unique tour options, local accommodation, and flexible planning tools to help make their dream itinerary a reality.

Where Do They Operate?

While they offer tours across the globe, the primary tour markets for Bestway Tours & Safaris are Asia, Africa, Middle East & North Africa, and Europe. They have particular strengths in itineraries for North Africa, the Middle East, India, and Indochina, due to close relationships with partner providers on the ground in these areas. Some of their most popular destinations include Jordan, South India, and Indonesia.

Why Travel With Them?

Bestway Tours & Safaris has a global network of partners that help cover all the essentials – and many luxuries – for a trip to almost any corner of the globe. Their custom itineraries option allow travelers to combine tours and experiences in unique ways that might not otherwise be an option with group tour providers, and don’t come at an exorbitant premium.

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Solo friendly.

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About the company.

Our journeys involve delving into all aspects of a country: the great sites, historic monuments, natural beauty wildlife and, most importantly, the local people and experiences of their customs first hand. Bestway Tours & Safaris was founded in 1978 by three brothers educated on three continents, thousands of miles from home. In keeping with the company's philosophy of personalized, specialty travel, we have built a reputation over the years for our product knowledge and service excellence. We think of travel as a serious and rewarding business. For over 30 years Bestway Tours & Safaris has pioneered and led thousands of tours, treks, safaris and expeditions all over the world and our continual innovations have kept us at the forefront of exotic travel. We look forward to applying out vast experience and skills to your unique travel desires. Our headquarters are in Vancouver, British Columbia, Canada and we maintain longstanding relationships with our local suppliers in over 50 countries and hold strong standing memberships in the following organisations: ACTA, BBB and BBOT. It has been a great 3 plus decades and we look forward to servicing our existing and repeat clients as well as the many new ones we will have the pleasure to service over the coming decades! Sincerely!

Bestway Tours & Safaris Trips & Specials

Jordan - Where it all Began

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Journey in Diversity

Want a tailor-made trip instead, your trip, your way, planned by an expert:.

• You choose budget, destinations, activities, transport & lodging type
• Expert designs the itinerary for you, and once approved, takes care of logistics

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Ramazan Umrah Group Packages Booking Has Started at Lowest Price Departures has been Started Contact Now For Details

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Welcome to BESTWAY TRAVEL AND TOURISM

We deal with International and Domestic Tour Packages, Haj Umrah Packages, Family Vacation, Honeymoon Trip, visit Visa services, Cheapest Air Tickets, and Hotel Reservations. BESTWAY TRAVEL & TOURISM founded in the year 2011 with a view to offer all kind of travel related services under one roof with fair prices and value for money. Being a full-fledged tour operator we deal in all kind of travel and tourism products. Designing travel itineraries for our team is just not a professional service but also a hobby, and we believe that one can do wonders when doing a work which he/ she likes to do. Get in touch with the reliable and customer-centric team of Plan Journeys for personalized services with best deals on all travel related products and feel the difference.

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Australia is world famous for its natural wonders and wide open spaces, its beaches, deserts, "the bush", and "the Outback". Australia is one of the world's most highly urbanized countries; it is well known for the attractions of its large cities and Australians are proud of their peaceful society. They believe that change should occur by discussion, peaceful persuasion and the democratic process. They reject violence as a way of changing peoples’ minds or the law.

China is a country in East Asia and the world's most populous country, with a population of around 1.404 billion, as with any country, precautions one should take when traveling to and around China, it is generally a safe and breathtaking country to visit and the attractions are really the best to go even though packed with people, like the Great wall of China..

Germany is a Western European country with a landscape of forests, rivers, mountain ranges and North Sea beaches. It has over 2 millennia of history. Berlin, its capital, is home to art and nightlife scenes, the Brandenburg Gate, Germany is a very safe country. Crimes rates are very low compared to southern European countries, and law is strictly enforced. It is ranked 14th on the ranking of world's safest countries.

Italy is famous for its huge contributions to the worlds of art, architecture, fashion, opera, literature, design, and film – the list goes on, and we haven't even mentioned the food yet. Italy has only been a country since 1871, The quality of the ingredients used in Italian food makes the finished product very special. All Italian recipes are about enhancing the good ingredients they involve.

Malaysia is known for its beaches, rainforests and mix of Malay, Chinese, Indian and European cultural influences. The capital, Kuala Lumpur, is home to colonial buildings, busy shopping districts such as Bukit Bintang and skyscrapers such as the iconic, 451m-tall Petronas Twin Towers, Malaysia is the one of the world most popular for coastal tourism. Langkawi, Kedah most famous nature island escape for family, Malaysia is food heaven, arguably among the world's best India, China, Indonesia and Thailand.

Mauritius, an island nation situated in Indian Ocean, is known for its beautiful beaches, lagoons and reefs. It's a beautiful nation, filled with nature's beauty, with its many rainforests, waterfalls and national parks. These are the most popular things to do there and the mountain ranges of Mauritius are volcanic in origin and the island features a broken ring of rugged mountains and a lofty inland plateau area.

New Zealand

New Zealand is famous for its indigenous people who are descendants of Polynesian explorers who settled the Pacific Ocean more than 1000 years ago. The Maori word for New Zealand is Aotearoa which mean 'Land of the Long White Cloud, New Zealand has been voted the third most beautiful country in the world in a Rough Guides ranking. Scotland was voted the most stunning place in the world.

Qatar is classified by the UN as a country of very high human development and is widely regarded as the most advanced Arab state for human development. Qatar is a high-income economy, backed by the world's third-largest natural gas reserves and oil reserves, Qatar passed Indonesia to become the largest exporter of liquid natural gas in the world.

Singapore is known for its clean streets and its modern and tall buildings. It makes every effort to ensure that the streets are always kept clean and for the shopping center of the world. The Singapore Flyer is the largest observation wheel in the world and Sentosa was converted into a tourist attraction site in 1972 and has since become a famous resort drawing over 20 million visitors annually.

Switzerland

Switzerland is a mountainous Central European country, home to numerous lakes, villages and the high peaks of the Alps. Its cities contain medieval quarters, with landmarks like capital Bern’s Zytglogge clock tower and Lucerne’s wooden chapel bridge. The country is also known for its ski resorts and hiking trails. Switzerland also has a unique political system and the world's most stable democratic system.

Many tourists who travel to Bangkok are immediately overwhelmed by the sheer size of the city and the vast number of attractions Bangkok has to offer. ... Nearly every Bangkok holiday includes a visit to Thailand’s Grand Palace, arguably the premier Bangkok sightseeing attraction. , Thailand is located in southern Asia it is known for great eats, martial arts, beaches, and many temples. Thailand also has many islands that are well known that have numerous resorts for tourists. ... The chicken rice of Thailand may not be as famous as Singapore's, but it is still a popular comfort food.

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Our guests love us.

“less processing taken for my visa (Very Good) & trusted Travel Agency) ”

Mrs Preethi

“Good service bestway travel agency 👍”

Rubinabegum B

“Must visit hear best price than others.”

“Very efficient service on booking a holiday and Good advice and good value flights were found.”

Mr Subhash Reddy.P

“Amazing and superb are less weight age words for our trip and beautiful memories which we carried back with us. For last 1 year i was just thinking, and you made it so easy. Excellent arrangement, hotels, staff, tour guide, food, sightseeing, monuments and tank Everything went perfect.”

Famous Head Machanic work

“• “Beautiful, people, culture and mountain vistas. ””

Swapna Mehta

“• Great customer service. Very efficient with travel documents.”

Mr Shaik Omar Uddin

“Excellent personal service able to give feedback to improve future users Very flexible in planning holiday.”

“My Goa Trip was a trip of a lifetime! Everything went so smoothly. Everything and everyone were awesome!!”

Dr.Vijay Dhanraj

“Responded efficiently and courteously to my telephone enquiry. Offered good advice which we have taken.”

“I have used Ultimate Travel for many years. They are a first class travels who look after their clients in a first class way.”

Mr C.P.Mishra

“I would like to thank you for all you did to make my trip to Mauritius a success.”

“thank you for designing such a wonderful and memorable tour for my family.”

Azhar Ali Khan

“ Excellent itinerary design by the Bestway team for Singapore. Traveled with child and senior citizens all arrangements were satisfactory”

Mr Sree Kirshna

“ I would like to thank you for all you did to make my trip to Mauritius a success. Congratulations to every body for your professionalism and I hope to travel soon with Bestway Travels.”

Mrs Ayesha Fatima

“Had a great trip. Well arranged and itinerary was well covered on time Had a great honeymoon trip!”

Mr V.Gopi Kishan

“Best packages are available on Bestway Travels. Very good trip”

Mrs Jaspreet Singh

“OVERALL TRIP WAS FANTASTIC, WILL SUGGEST OTHERS ALSO TO GO WITH Bestway Travel FOR THEIR FUTURE TRIPS .. GANGTOK”

Mr Murtuza Razvi

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Being an international tour operator, we have travel specialists for many international destinations and are one & only choice of many travelers.

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Home of one of the world's oldest civilizations, and several of the world's great religions, India has been changing and re-shaping itself for as long as anywhere on earth, forever producing new forms of culture and absorbing new influences. Visiting the subcontinent, you'll see spectacular carved temples and gleaming marble palaces, lonely Himalayan lamaseries and far-flung dusty villages where council meetings are held under the shade of a banyan tree, plodding camels, holy cows, snake charmers and wild-haired sadhus; you'll also find a dynamic state racing into the twenty-first century. The boundaries of modern India, fixed some fifty years ago, are merely the latest in a four-thousand-year sequence of redefinitions that have produced one of the most heterogenous societies in the world. The land where the Buddha lived and preached, and where the Moghul Muslims erected the Taj Mahal, has recreated itself as both a majority Hindu nation and the world's largest secular democracy, home to almost one thousand million people. The best Indian itineraries are the simplest. To imagine that there is some set list of places you must go, or things you must see, is a sure way to make your trip self-defeating. You couldn't see everything in one expedition, even if you spent a year trying. The best way is to think of India is in terms of her tourist Regions: The North, East, West, South and the Himalayas and plan your trip accordingly with our help.

Culinary cultural tour of India & Sri Lanka with Chef Joe Thottungal

Overview detailed itinerary prices & dates book now, join award-winning chef joe thottungal for an amazing and immersive experience on the 7th edition of our intimate culinary journey through kerala, south india. for the first time ever, this edition will also include an exploration of sri lanka...

A Cultural tour of India

Paul saltzman is a two-time emmy award-winning film and television producer-director. the two documentary feature films, prom night in mississippi, and the last white knight, each featuring morgan freeman, are two of his most recent movies...

Full Moon at the Taj Mahal & Holi journey boasts some of the most captivating monuments, accompanied by a culture that, despite its 5000-year history, remains intriguing to this day..

A Cultural tour of India, Sikkim, Bhutan & Nepal

Experience the majestic and serene himalayas as we explore the highlights of west bengal and sikkim in india, the kingdom of bhutan and kathmandu valley in nepal...

A cultural tour of India with Dr. Stephen Inglis

Attention, art and culture enthusiasts we are excited to announce the return of our "exploring the arts & artisans of south india tour," led by renowned indian art expert dr. stephen inglis. this remarkable tour offers a vibrant exploration of tamil nadu's artistic heritage, including landmark sites, temple architecture, and local artisans...

Special Value Tour (SVT) of India

Welcome to the land of the kings, showcasing india at its magical best. like a legend come to life, rajasthan boasts an incredible array of mighty forts, elaborate palaces and cities awash in searing, riotous colour...

India is many times rightfully referred to as a subcontinent, featuring diverse geographical and cultural regions, where ancient civilizations and religions flourished. At Bestway Tours & Safaris we have developed a number of tours that focus on India’s varied regions and its attractions..

On this 8-day journey, we immerse ourselves in India’s vibrant cities, legendary monuments, mouthwatering cuisine and multi-faceted culture. Start with bustling Delhi, then discover Agra, home of the glorious Taj Mahal..

Special Value Tour (SVT) of Nepal & India

Combine the great highlights of the kathmandu valley with stunning northern india in this two country adventure. this is a popular mix for travellers who want to enjoy both culture and nature – we will see not only the magnificent heritage of ancient buddhism and the moghul empire, but also beautiful national parks and the world’s highest mountains...

Journey through the vibrant culture, stunning scenery and mouthwatering cuisine of South India’s three most important states on this jaw-dropping 16-day adventure..

Spend 8 days exploring Kerala, God’s Own Country. Here we experience the tranquility of the beautiful backwaters and lush, green surroundings. Wander scenic tea estates and spice plantations, sample mouthwatering delicacies and unwind with unique Ayurvedic massage therapy..

Travel on an epic 13-day journey from Delhi to Varanasi as we discover the wonders of North India. En route, explore India’s vast artistic legacy, from the ancient monuments to the medieval Moghul marvels..

Travel from Delhi to Varanasi on this 13-day tour that explores some of India’s top highlights. The crown of this journey is the chance to attend Pushkar’s Camel Fair, a vibrant festival that will immerse us in India’s culture and history. More than 30,000 camels, as well as artisans, pilgrims and attendees from across north-west India are all a part of this experience of a lifetime..

India is many times rightfully referred to as a subcontinent. Our journey to the Ganges will take you to the cultural heart of India. You will watch thousands of Hindu pilgrims congregate on the bank of the River Ganges to bathe in this holy river in Varanasi..

India has rightfully been referred to as the sub-continent rather than a country. Within this massive land of people and culture, several civilizations have flourished in different areas..

A 17-day small group journey through Western India’s centuries of cultural heritage. We start in bustling Delhi, then cover the magnificent legacy of the Moghul Empire in Agra, Bhopal and Mandu..

Follow in the footsteps of one of the world’s most fascinating predators on this 13-day tour through tiger country. Starting in Mumbai, where we discover the deep history and fascinating culture of this vibrant city,..

Our 15-day small group journey through India’s Northern Heritage offers authentic cultural experiences, delicious Indian cuisine and insight into some of the country’s top architectural and archaeological gems..

Explore India’s rich southern heritage on this 17-day small group journey, enjoying incredibly mountain scenery, stunning beaches and some of the country’s top cultural highlights..

Experience delicious cuisine, vibrant cityscapes and one-of-a-kind cultural gems, including the Taj Mahal, highlight of all India holiday tour packages, on this luxurious small group cultural tour through Moghul India..

From the endless beaches of Goa, to the magnificent ancient temple sites of Mahabalipuram, to the spices and spice plantations South Indian cuisine is so famous for, a visit to South India is a tantalizing mix of sights, smells and experiences..

Sample the diverse heritage, cultures and sites of southern India as we travel from Chennai to Kovalam on this exciting 16-day journey..

An amazing and immersive experience joining awards winner Chef Joe Thottungal on the 8th edition of the intimate culinary journey to Kerala, South India. This time, the added attraction is that it is now a 2-county tour combining Kerala in South India with the island of Sri Lanka..

Culinary cultural tour of India with Chef Joe Thottungal

Join award-winning chef joe thottungal on the 7th edition of our intimate small group journey through the cultural highlights and culinary secrets of south india...

Join award-winning chef Joe Thottungal on an intimate small group tour through the culinary secrets of India. As Executive Chef at Ottawa’s popular Coconut Lagoon and Thali Coconut Lagoon restaurants, Chef Joe has earned numerous accolades, including a silver medal at the 2017 Canadian Culinary Championships, top prize at Ottawa’s Gold Medal Plates competition, and the Ottawa Chef of the Year award..

A Culinary & cultural tour of India

Joe thottungal, executive chef at the popular coconut lagoon restaurant in ottawa and silver medal winner at the 2017 canadian culinary championships, will be leading his fourth small group tour through south india for a select group of gourmands...

Craig is one of the most talented and influential visual artists we have partnered with. His contributions to the Canadian photographic industry have inspired many.” - Nikon Canada..

Personally escorted by Bob & Nimi Sangha

Timed with diwali (festival of lights), this 16-days exciting journey includes visits to amritsar, udaipur, ranakpur, pushkar, jaipur, agra and delhi. proud langley residents and supporters of the langley memorial hospital foundation (lmhf), bob & nimi sangha have joined hands with bestway tours & safaris to put together this tour and simultaneously raise funds for the lmhf...

This exciting tour of India and the Kashmir Valley includes the most important of the world-renowned historical and heritage sites combined with a special focus on the gardens of the great Mughal period..

Spiritual India with Lori Faren

Join noted health and wellness expert lori faren on an intimate 15-day journey through one of the world’s most vibrant countries—india under lori’s expert guidance, connect with a group of like-minded women, enjoying authentic cultural and wellness experiences every step of the way.., ask a question, travel inspiration right in your inbox.

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WAY TRAVEL LTD

Company number 09064909

• Company Overview for WAY TRAVEL LTD (09064909)
• Filing history for WAY TRAVEL LTD (09064909)
• People for WAY TRAVEL LTD (09064909)
• More for WAY TRAVEL LTD (09064909)

Next accounts made up to 30 June 2024 due by 31 March 2025

Last accounts made up to 30 June 2023

Confirmation statement

Next statement date 12 November 2024 due by 26 November 2024

Last statement dated 12 November 2023

Nature of business (SIC)

• 79110 - Travel agency activities

Previous company names

• Best for customer satisfaction
• Best for older adults
• Best for long-term care
• Best for high returns
• Best for agent support
• Best for term life
• Why you should trust us

Best Life Insurance Companies of July 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Life insurance is as complicated as the policyholders and beneficiaries who use it. That means there's no single "best" life insurance company. Instead, you can find the best option based on what you want or what you prioritize.

Best Life Insurance of 2024 Summary

• Best for customer satisfaction: State Farm Life Insurance
• Best for older adults: Prudential Life Insurance
• Best for agent support: New York Life Insurance
• Best for long-term care: Columbus Life
• Best for high returns: Allianz Life
• Best for term life: North American Company

Top Life Insurance Companies of 2024

While there is no such thing as the objective best life insurance policy, you will be able to find the best insurance policy for your specific needs. Here are our picks for the best life insurance companies, whether you want to use your life insurance policy to build wealth through cash value or you're just looking for a term life insurance policy .

Best Life Insurance for Customer Satisfaction

State farm life insurance.

State Farm Life Insurance gets the best life insurance ranking in J.D Power's Individual Life Insurance Study, with a score of 843/1,000. The company is also ranked A++ with AM Best for its financial stability with term, universal, and whole life insurance options. 

All State Farm policies have to be purchased through a State Farm agent. Your agent can help you bundle and save or buy one policy. State Farm is also among the companies offering "survivorship universal life insurance ," which means the policy covers two people, and it kicks in after the second person dies. Couples looking to maximize their death benefit for beneficiaries with one premium payment each month may enjoy lower overall costs.

State Farm agents can run quotes and compare options to find the right plans for each applicant. The range of options, discounts, and familiar name all contribute to the popularity of State Farm's life insurance.

Read our State Farm Life Insurance review .

Best Life Insurance for Older Adults

Prudential life insurance.

Prudential Life Insurance is available in all states except New York. New York residents can buy the Pruco Life of New Jersey VUL Protector plan. This plan allows buyers to pull money out of their plan to pay for nursing home expenses. Cash value policy premiums are fixed, so you won't have to worry about extra costs later on. Internal costs are low, which minimizes risk. Due to age, many older adults want a safe investment option for their money. Prudential VUL Protector invests to avoid loss. That also means you're not as likely to see big increases in your available funds outside of what you deposit.

Read our Prudential Life Insurance review .

Best Life Insurance for Long-Term Care

Columbus life.

Columbus Life offers a wide range of riders to customize your policy with affordable premiums. The company also allows you to convert term policies to whole life insurance policies until the end of your term (generally around age 70). For this and many other reasons, customer satisfaction is high.

When using living health benefits (otherwise known as accelerated death benefits), buyers are allowed to pull money from policies early to pay for medical bills, living costs, etc. under certain circumstances. Most companies use a discounted death benefit, which reduces your final payout using two models. Columbus uses the lien method, which makes it easier to calculate the financial impact of pulling money out early.

Best Life Insurance for High Returns on Income

Allianz life.

Allianz Life plans are geared towards high-income adults looking for more tax-free income. Allianz offers a 40% multiplier bonus with a 1% annual assets charge. In short, the professionals managing your investments take 10%. Overall, your investments would pull in an extra 14%-1% asset charge. This means you end up with 3% more than what you deposit every year your life policy is active. This plan offers strong returns when using a life policy to supplement your retirement savings. Allianz also offers specialized plans to grow your income by as much as 20% according to some estimates.

Of note: Allianz also offers plans for foreign nationals, including those with H-1B visas.

Best Life Insurance for Agent Support

New york life insurance.

New York Life Insurance agents go through extensive training before they ever hit the sales floor. What does this get you? Policies vary widely, and New York Life offers both large and small payouts. Some policies have significant penalties for early withdrawal, but taking a loan offers more options. Whatever your questions, New York Life agents are trained to offer comprehensive support giving you accurate information about its policies every time. The company comes in at position eight in J.D. Power's latest life insurance customer satisfaction study.

Read our New York Life Insurance review here.

Best Life Insurance for Term Life

North american company.

North American Company offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more. The company allows one conversion on a 20-year policy at 15 years or 70 years old (whichever is earlier). The conversion cannot happen later than the five-year marker regardless of which policy you choose or the length. North American Company also offers a term policy with a lower premium renewable up to the age of 95 for qualifying insureds.

Types of Life Insurance

While there's many different types of life insurance policies , broadly speaking, there are two types of life insurance: temporary and permanent. Let's go over each in detail.

Temporary life insurance

Temporary life insurance is often called term life insurance. This type of policy covers you for a set amount of time before expiring, usually between 10-30 years. If you pass away after your policy expires, your family won't receive any benefits. Additionally, your policy won't accrue cash value like a permanent policy. That said, some term life insurance policies offer a conversion from term to whole life insurance, so you can extend your coverage. 

Because its benefits aren't guaranteed, term life policies are generally cheaper than permanent life insurance. That said, the vast majority of term life insurance policies never pay out. on

Permanent life insurance

Permanent life insurance is an umbrella term for a variety of life insurance policies that will insure you indefinitely and guarantee a payout as long as you maintain your policy. Policy types that fall under permanent life insurance includes:

• Whole life insurance
• Universal life insurance
• Variable life insurance
• Variable universal life insurance
• Simplified life insurance
• Guaranteed issue life insurance

These policies vary widely in purpose and intended buyers, but all guarantee death benefits to your loved ones. Some permanent life insurance policies, like whole, universal, and variable have a cash value component , which you can use as a savings tool or to leave your heirs a larger death benefit.

How to Pick the Best Life Insurance Policy for You

Finding the right fit in life insurance starts with finding a trusted insurance agent. Because there are so many state regulations, shopping for homeowners or auto insurance can be easily done online. Life insurance is not required. So it's a voluntary purchase. Many buyers don't know what they need or when they need it. Before making your selection, consider a few things:

Some companies will sell you a policy for your child as soon as they're born. While this may seem morbid, early sign-up means lower rates for a policy your child could enjoy in the future. Regardless, early sign-up equates to more policy for lower premiums and a higher likelihood of acceptance. At 20, you may be healthier and be able to pay into the policy for a longer period compared to when you're 50 with more age-related conditions.

As a general rule, never agree to more than you can afford. For the average life insurance agent, their job is to sell you a large policy with a large commission. Consider not only how much you make now, but how likely your current income is to continue. If you work on a project basis and your project is scheduled to end in 12 months, you may want to reconsider a policy premium outside your monthly savings.

How much are you prepared to buy? Some people only want a small policy to cover funerals and other end-of-life expenses. Others build a life policy into their retirement plan. Whatever direction you're going, involving a financial planner could help you make the right decisions. Depending on the carrier, customers can also compare set limits with index universal life policies, which set no limit. These policies never expire, and the value builds over the entirety of your life.

Living Benefits

Life happens unexpectedly. You could be healthy one day and in the hospital the next. Many life policies offer living benefits. These allow you to draw a limited amount out of your policy to cover medical and other bills you cannot pay while sick.

Much like a 401(k), many life insurance policies have penalties for early withdrawal. No matter what policy you want, this question is critical to an informed decision. It's a question of how early you can withdraw and how much you'll lose from the total to have the money in 10 years instead of 30 or after death.

Some policies require insured parties to pay premiums for at least one year before any significant payout would be available. Suicide exclusions are common. Even with no medical exam policies, the company may still do a check for known conditions. An insurance company has to mitigate its risk.

Flexibility

Once you've been denied a life insurance policy, a mark goes on your record. No matter the reasons, other insurance companies may deny you coverage based on the first denial. So consider your whole situation and choose your policy carefully before you submit any applications. Some policies have greater flexibility if you lose your job or otherwise can't make payments. Others will lapse if you miss even one payment.

Payment Type

Even within whole life or term life insurance policies, customers have the option to choose guaranteed fixed or variable rates. Some have guaranteed payouts, but you'll need to ask your agent for details.

What is your intended use? Why are you shopping for a life insurance policy in the first place, and what are your goals? Many successful financial planners also have a background in life insurance. So while they may not be able to find you a specific life insurance policy, financial planners can help you set out a blueprint for your purchase.

Why You Should Trust Us: How We Reviewed the Best Life Insurance Companies

In life insurance, it's easy to get "sold a bill of goods." Many life insurance agents pass a state test to be thrown into the deep end. Agents sell the company product, but not all know the products. In this vein, we look at the products each company offers. We also look at agent training.

A good life insurance agent may not volunteer all facts upfront. But a company's agents should answer questions about its products accurately and in a way the average consumer can digest. Agents should be able to inform you about the long-term benefits and limitations. This will help customers find the right policy for their long-term plan.

We consider affordability, policy sizes available, and performance for a comprehensive assessment in our life insurance rating methodology . If you can, we recommend also working with a financial advisor to make a plan for your future with life insurance.

Our Expert Panel for The Best Life Insurance Companies

To inform our choices for the best life insurance companies, we spoke with the following experts:

• Paul LaPiana , head of product at MassMutual
• Barbara Pietrangelo , CFP, CLU, and chair of the nonprofit Life Happens
• Wykeeta Peel , Corporate Vice President and Market Manager, African American Market Unit at New York Life

The Experts' Advice on Choosing The Best Life Insurance for You

How much life insurance coverage do you believe the average buyer should have.

Paul LaPiana, Head of Product at MassMutual

"There are different approaches to determining how much life insurance you need. One is the 'human life' approach, which estimates the current value of your future earning potential. Another is securing specific coverage to pay off debts such as a mortgage or provide for the education of children. A comprehensive protection plan should provide the right amount of coverage over the course of your working life and into retirement."

Barbara A. Pietrangelo, Chair of Life Happens

"There is no one-size-fits-all life insurance policy because everyone is different. One way to get a rough estimate is to multiply your income by 10 to 15; another is adding $100,00 to that amount, should you have a child and anticipate college education expenses.

Your best bet is to talk to a financial professional or use the Life Insurance Needs Calculator on LifeHappens.org to analyze what's right for you."

Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life

"As you consider what policy best meets your needs, it can help to answer four key questions: First, how much death benefit do you need? Second, how long will you need that coverage? Third, what is your budget (or how much monthly premium can you afford to pay?), and finally, what is your investment risk tolerance?

To determine how much death benefit makes sense, it's helpful to think beyond using life insurance to cover funeral expenses and consider whether anyone is relying on the policy owner's income to maintain a lifestyle, pay rent or a mortgage, or fund a child's education and for how long.

There are various rules of thumb regarding the right amount of Life insurance coverage. Some tips can be found online, but they only provide an estimate and don't necessarily factor in an individual's specific needs. In my opinion, human guidance, powered by technology, is required. Basically, it comes down to how much money your loved ones would need to remain on firm financial ground if your earnings were no longer in the picture and that is different for everyone."

What is the biggest opportunity you see for improvement in the life insurance industry?

"Increased accessibility through digital and other channels as well as through underwriting enhancements. Increased tailoring of products and features. And an increased emphasis on health and wellness programs."

"Having enough qualified insurance professionals to walk potential buyers through the multiple benefits of life insurance will be pivotal to the growth of the industry. Education is a key factor here, as professional agents also need to be able to explain life insurance and its benefits in an easy, digestible way, especially when there are so many misconceptions about life insurance."

"The need for life insurance is greater than ever. In fact, a recent New York Life Wealth Watch survey found that 37% of adults have been thinking about life insurance more often these days – and half of adults report that financial products that provide protection (50%) and reliability (50%) are more important now compared to last year. This may be especially true for middle-market and Cultural Market families.

Our organizational structure of having Cultural Market agents embedded in the communities where we live and work allows us to understand the needs of diverse communities and develop solutions that resonate with them."

What advice would you give to buyers who are debating whether or not to buy life insurance?

"It is difficult to say with any certainty how healthy you will be years from now. That's why securing life insurance, and insuring your insurability, today, when you are the youngest you'll ever be again, and perhaps your healthiest is a wise decision."

"Do you love someone? If the answer is yes, then life insurance is certainly something you should consider. Many buy gifts and experiences to express their love, but haven't considered that life insurance is just another way to say I love you. Nothing says support like ensuring your family's financial security and peace of mind."

"If you have someone depending on your income, you should consider purchasing life insurance. A death benefit from a life insurance policy can replace income from the loss of a breadwinner, ensure a family can stay in their home, fund educational or retirement expenses, address debt and so much more.

A life insurance policy can also help you grow your family's wealth over time. Once the risk of an unexpected loss has been managed, you can begin to think more broadly about your family's financial future. Life insurance can enable your mindset to shift from death to growth."

What's the most important thing buyers should look for when choosing a life insurance agent/company to buy from?

"With life insurance, you are securing a future commitment that may be decades away. Research the company behind the policy to ensure it has high financial strength ratings, longevity, and an excellent track record of paying claims."

"When looking for an insurance agent or company, be sure to do your research. When comparing companies, be sure to remember that the policy features that fit you and your loved ones best is the most important factor. Don't automatically assume you should buy from the higher-rated company.

If the policy from the other company has more of what you're looking for, it might be the better choice. If you're unsure where to start, try the Life Happens Agent Locator to find an insurance professional in your area."

• "The insurers' track record: At its core, life insurance is protection - a hedge against the unexpected - and you are paying premiums in exchange for the promise that the insurer will be there when you need them, so the financial strength and track record of the company backing your policy is critical.
• Customer service: Are service professionals available by phone and digital channels? Is there is an online dashboard where you can manage your policy? Beyond ensuring assistance is available after you purchase a policy, it's also critical to ensure you have access to trusted advice and guidance before you buy.
• Flexibility in conversion: How easy is it to change? Life can be unpredictable and while term insurance can cover your loved ones through a critical period of time, you may decide that access to cash value is an important piece of your strategy.
• Accelerated online applications : Online applications are convenient but don't replace human guidance. Keep in mind that accelerated online applications may have a maximum coverage amount, meaning that you may not be able to get all the coverage you may need exclusively through an online process.
• A range of payment options: It's important to understand how often you're required to make premium payments and whether and how often you can change the frequency of payments."

Best Life Insurance FAQs

A whole life insurance policy has a schedule of payments to earn the total death benefit. Past a certain waiting period, you'll get the full payout if something happens. However, you can also pay it off entirely if you live longer or make larger payments early. In either of these situations, you are no longer required to make further payments to keep the policy active.

There isn't one best life insurance company, because the best option for you will depend on the type of policy you're looking for. It's best to work with a qualified insurance agent to help you find the best coverage. If you're deciding between multiple similar options, it's also worth consulting J.D. Power's life insurance customer satisfaction study . The latest study ranks State Farm as the top pick for individual life insurance, outpacing Nationwide by three points.

Each situation is different and requires a knowledgeable life insurance agent to assess your best options. Bring all your questions and the coverage you're looking for to an insurance agent near you to explore your options.

No, medical exams aren't necessarily required for life insurance. Some life insurance policies are advertised as "no medical exam." This doesn't mean the insurer won't ask you about known conditions or look at medical records. You can find our guide on the best no exam life insurance here.

The most popular type of life insurance is term life insurance . Term policies are only good for a specified term that you select when opening the policy — the fact that they don't last forever also makes these policies the most affordable. That said, a very slim minority of term life insurance ever pays out. 

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