Best Life Insurance: Contacting The Right Provider

BEST Life and Health Insurance Company, also known as BEST Life, is a life insurance provider that has been in business since 1972. The company provides dental, vision, life, and disability insurance plans to small and large employers across 39 states. BEST Life is known for its superior service, rapid claims payment, and quality plans. Their plans are designed to be flexible and customized to meet the specific needs of each employer.

BEST Life's corporate office is located in Corona Del Mar, with a home office in Austin, Texas. The company also has additional offices in Meridian, Idaho, and Irvine, California.

If you are looking to contact BEST Life, you can reach out to their offices or visit their website, www.bestlife.com, for more information. Additionally, you can refer to their LinkedIn page, which provides an overview of the company, employee information, and job postings.

Contacting the best life insurance companies via their website

Many life insurance companies offer the option to contact them via their website. Here is a list of some of the best life insurance companies and the ways to contact them via their website:

Pacific Life

Pacific Life is rated as the best life insurance company of 2025 by US News. They offer both term and permanent life insurance options. You can get in touch with them via their website, which provides a contact form and a toll-free number to ask any questions.

Protective

Protective offers both term and permanent life insurance policies. Their website provides a term life quote and you can also contact them through their website to start the application process.

Lincoln Financial

Lincoln Financial offers a mix of term and permanent life insurance policies. You can apply for their term life insurance online or over the phone, but for other forms of coverage, you may need to speak to an agent. Their website doesn't provide much information on policies, but you can use the contact details on the website to get in touch with them.

MassMutual

MassMutual offers a wide variety of policies, including term, whole, survivorship whole, universal, variable universal, and survivorship universal. You can start the process of filing a claim online and their website also provides contact details to get in touch with an agent.

State Farm

State Farm offers several optional riders and policies that don't require a medical exam. However, you will need to work with a State Farm agent to purchase a policy. Their website provides contact information to get in touch with an agent.

Mutual of Omaha

Mutual of Omaha offers term and several styles of permanent policies. They have an intuitive website with a virtual assistant that can answer questions and also provides the option to chat or text with an agent.

Nationwide

Nationwide offers term, whole, universal, variable universal, indexed universal, and survivorship indexed universal. You can get a quote and apply for their term policy online, but for permanent policies, you will need to work with a Nationwide agent. Their website provides contact information for their insurance agents.

New York Life

New York Life offers both term and permanent life insurance policies. All policies must be purchased through an agent, and you will need to speak with an agent to determine coverage limits. Their website provides contact information to get in touch with an agent.

Using a broker or agent to contact the best life insurance companies

Understanding the Role of Brokers and Agents

Brokers and agents are licensed experts who can guide you through the process of purchasing life insurance. Brokers are independent and offer policies from multiple insurance companies, while agents typically work for a specific insurer and sell their products. Both can help you navigate the different types of life insurance, including term and permanent options.

Benefits of Using a Broker

Brokers have in-depth knowledge of various insurance products and can offer a wide range of options. They work to understand your needs, circumstances, and financial situation to recommend the most suitable policies. They can also explain the differences between policies, walk you through the buying process, and provide support even after the policy is in effect.

Advantages of Working with an Agent

Agents have a deeper understanding of the features and provisions of the policies they offer since they work closely with a specific insurer. They can provide more specialised knowledge and insights into the insurer's products. If you already know the exact policy or insurer you want, working directly with an agent from that company can be efficient.

Choosing Between a Broker and an Agent

When deciding between a broker and an agent, consider your personal needs and preferences. If you want a wide range of options and flexible coverage, a broker might be a better choice. On the other hand, if you have a good understanding of your needs and prefer the familiarity of working with a single insurer, an agent may be more suitable.

Finding the Right Broker or Agent

To find a reputable broker or agent, seek referrals from friends and family, read online reviews, and check their credentials, licensing, and expertise. Consider their experience, reputation, communication style, and customer service skills. Ensure they are licensed in your state and affiliated with reliable insurance companies. Also, look for professionals who are committed to ongoing professional development and are members of reputable associations.

In conclusion, using a broker or agent can be a valuable asset when contacting the best life insurance companies. They can provide expertise, guidance, and support throughout the process of purchasing life insurance and help you make informed decisions based on your unique circumstances.

Finding the best life insurance companies' contact details via the National Association of Insurance Commissioners (NAIC) website

The National Association of Insurance Commissioners (NAIC) provides a free online tool called the Life Insurance Policy Locator to help consumers find their loved one's life insurance policies and annuity contracts. This is because, every year, millions of dollars in life insurance benefits remain unclaimed as beneficiaries are unable to find their deceased relative's policies.

To use the Life Insurance Policy Locator, follow these steps:

• Go to the NAIC website (naic.org) and hover over 'Consumer' and click 'Life Insurance Policy Locator' under 'Tools'.
• Create an account by providing your email address and name.
• Log in and agree to the process.
• Enter your name and address.
• Submit a search request by entering the deceased's information from the death certificate, including their social security number.
• Click 'Submit'.

Your request will be stored in an encrypted database that participating life insurance and annuity companies can access. If a policy is found and you are the beneficiary, the company will contact you directly, usually within 90 days.

If you are having trouble finding the correct life insurance company, the NAIC recommends the following steps:

• If you have the life insurance policy, find the full legal name of the insurance company, along with its mailing address and phone number. If the phone number is no longer active, contact the insurance department in the insurance company's home state.
• If you do not have the insurance policy but know the company's name and the state where the policy was purchased, locate that state's insurance department, which will have records of the company's current name, mergers, and other changes.

The NAIC provides a page with links to state insurance departments: https://content.naic.org/state-insurance-departments. It is important to note that state insurance departments do not have records of specific insurance policies but can assist in locating the appropriate insurance company or by referring to a life insurance policy locator.

Contacting the best life insurance companies by phone

When it comes to contacting the best life insurance companies by phone, there are a few things you should keep in mind. Firstly, it's important to identify the specific company you wish to reach, as different companies may have different contact details. Here are some phone contact options for some of the top-rated life insurance companies, according to Forbes and U.S. News:

Pacific Life

Pacific Life has been rated as the best life insurance company of 2025 by U.S. News. They offer highly reliable policy illustrations and competitive rates for term life buyers through their PL Promise Term policy. You can easily contact Pacific Life through their toll-free number to ask questions, get quotes, or for policy support. Their commitment to customer service makes them an excellent choice for those seeking accessible and responsive support over the phone.

Protective

Protective Life Insurance is recognised for its competitive pricing and favourable underwriting. While they have received some negative reviews for their customer service and claims process, they do provide a toll-free number for shoppers' convenience. This number can be used to obtain quotes, ask questions, or get assistance with the application process. Their phone support can be useful if you're looking for quick answers and guidance during the consideration and application process.

Prudential

Prudential is known for its highly reliable policy illustrations, making it a great choice for those seeking predictable cash value growth and funding requirements. While their customer service number primarily targets existing customers, you can still reach out to them by phone for assistance. Their phone support can be beneficial if you're an existing customer or if you have specific questions about their policies.

Lincoln Financial

Lincoln Financial offers a mix of term and permanent life insurance policies, including variable and indexed universal policies. While they have received some criticism for their customer service and claims processes, you can apply for their term life insurance policies over the phone. Their phone support can be useful if you're interested in their term life offerings or need assistance with the application process.

MassMutual

MassMutual is recognised for its robust whole life policies and strong financial stability. While they have received some negative feedback for their complex term life insurance offerings, you can start the claims process over the phone. Their phone support can be advantageous if you need to initiate a claim or require assistance with their policies.

Nationwide

Nationwide offers a wide variety of life insurance policies, including term, whole, universal, and variable universal coverage. They provide riders to customise your policies and have a user-friendly website. While you can get quotes and apply for their term policy online, you'll need to work with a Nationwide agent to obtain quotes and apply for their permanent policies. Their phone support can assist you in navigating their range of offerings and finding the right policy for your needs.

Mutual of Omaha

Mutual of Omaha stands out for its excellent historical investment performance, potentially leading to strong cash value growth. They offer term, whole, universal, and indexed universal life insurance policies. While you can get a quote and apply for their Term Life Express policy online, you'll need to work with an agent for their permanent policies. Their phone support can guide you through the different options and help you tailor a policy to your specific needs.

When contacting these companies by phone, it's advisable to have your policy details or any relevant documentation ready. This will enable the customer support representatives to assist you more effectively and efficiently. Additionally, taking notes during the call can help you recall important information, especially if you need to refer to it later.

Contacting the best life insurance companies by email

When it comes to contacting the best life insurance companies by email, there are a few things to keep in mind. Firstly, it's important to identify the specific company you wish to contact. Different companies may have varying email formats and protocols for handling customer inquiries.

Once you have determined the company, take the following steps:

• Visit the company's website: Most reputable life insurance companies will have a dedicated website with detailed information about their products and services. On the website, look for a "Contact Us" or "Support" page, as this is where email addresses are typically listed.
• Look for specific email addresses: Companies often have multiple email addresses for different purposes, such as sales, customer support, claims, etc. Choose the email address that best aligns with your inquiry.
• Compose your email: When writing your email, be sure to include all relevant information, such as your full name, policy number (if applicable), and the nature of your inquiry or concern. It's also a good idea to keep a tone that is clear, concise, and respectful.
• Attach any necessary documents: If your inquiry pertains to a specific policy or claim, it may be helpful to attach relevant documents, such as a copy of your policy or any correspondence you have previously received from the company.
• Proofread and send: Before hitting "send," take a moment to proofread your email for clarity and correctness. A well-written and error-free email can make a good impression and may expedite a response.

• Response time: Keep in mind that response times can vary between companies. Some may respond within a few hours, while others may take a few days. If you have a time-sensitive matter, it's best to call the company's customer support or use their live chat feature, if available.
• Follow-up: If you don't receive a response within a reasonable timeframe, consider following up with a polite email or reaching out through an alternative method, such as phone or social media.
• Confidential information: Avoid including sensitive or confidential information, such as social security numbers or detailed medical records, in your initial email. Companies usually have secure methods for transmitting such data, and they will guide you through their preferred process.

By following these guidelines, you can effectively contact the best life insurance companies by email and efficiently address your inquiries or concerns.

Frequently asked questions