When someone mentions “Life Secure Insurance Company,” I need to clear something up right away—there isn’t actually a single company that goes by that exact name. What you’re probably encountering is either a marketing term, a website that aggregates insurance quotes, or you might be thinking of one of several legitimate insurance companies with similar names.
For a complete overview, see our complete guide to final expense insurance.
Let me walk you through what’s really out there and help you navigate this sometimes confusing landscape of life insurance companies.
What “Life Secure” Actually Refers To
In my experience helping families find the right coverage, I’ve seen a lot of confusion around this term. Here’s what you might actually be looking for:
Marketing Websites: Some lead generation websites use names like “Life Secure” to sound like insurance companies, but they’re actually just collecting your information to sell to agents.
Similar Company Names: There are legitimate insurers with names that include “Life” and security-related terms, but they’re distinct companies with their own products and ratings.
Generic Terms: Sometimes “life secure” is just used as a general phrase meaning “secure your life insurance coverage.”
The key is knowing how to identify legitimate insurance companies versus marketing sites or lead generators.
How to Identify Legitimate Insurance Companies
When I’m helping clients research insurance companies, here’s what we look for:
Financial Strength Ratings
Real insurance companies have ratings from agencies like:
- A.M. Best (most common for life insurance)
- Standard & Poor’s
- Moody’s
- Fitch Ratings
These ratings tell you about the company’s financial stability and ability to pay claims. I always recommend looking for companies with A- ratings or better.
State Insurance Department Registration
Every legitimate life insurance company must be registered with your state’s insurance department. You can verify this through your state’s insurance commissioner website.
NAIC Company Code
Real insurers have a National Association of Insurance Commissioners (NAIC) number. This is like a social security number for insurance companies.
Major Life Insurance Companies You Might Be Thinking Of
Let me share some of the legitimate, well-rated life insurance companies that might be what you’re actually looking for:
Mutual of Omaha
- Founded: 1909
- A.M. Best Rating: A+ (Superior)
- Specializes: Term life, whole life, final expense
- Known for straightforward underwriting and competitive rates
AIG (American International Group)
- A.M. Best Rating: A (Excellent)
- Specializes: Term and universal life insurance
- One of the largest insurers globally with strong financial backing
Prudential
- A.M. Best Rating: A+ (Superior)
- Specializes: Full range of life insurance products
- Well-established company with over 140 years in business
Transamerica
- A.M. Best Rating: A+ (Superior)
- Specializes: Term, whole, and universal life insurance
- Part of Aegon Group, strong international backing
Red Flags to Watch Out For
Having worked in this industry for years, I’ve seen people get burned by companies or websites that aren’t what they appear to be. Here are the warning signs:
High-Pressure Tactics
Legitimate insurance companies don’t need to pressure you into buying immediately. If someone is pushing you to “buy now before rates go up,” that’s a red flag.
Unrealistic Promises
Be wary of companies promising:
- “Guaranteed approval regardless of health”
- “Lowest rates guaranteed”
- “No medical questions ever”
While simplified issue and guaranteed issue policies exist, legitimate companies are honest about their limitations.
No Physical Address or Phone Number
Real insurance companies have real offices and customer service departments. If you can’t find a physical address or get a human on the phone, be cautious.
Unlicensed Agents
Always verify that the agent you’re working with is licensed in your state. You can check this through your state’s insurance department website.
How Final Expense Insurance Fits In
Since you’re researching life insurance, you might be specifically interested in final expense coverage. This is a type of whole life insurance designed to cover end-of-life costs like:
- Funeral and burial expenses
- Medical bills
- Outstanding debts
- Administrative costs
Final expense policies typically offer:
- Coverage amounts: $5,000 to $50,000
- No medical exam: Usually simplified or guaranteed issue
- Permanent coverage: Builds cash value over time
- Fixed premiums: Won’t increase with age
The trade-off is higher premiums per dollar of coverage compared to term life insurance, but for many people over 50, it’s the most practical option.
Questions to Ask Any Life Insurance Company
When you’re evaluating any life insurance company—whether it’s one with “secure” in the name or any other insurer—here are the key questions I always recommend:
About the Company
- What’s your A.M. Best rating?
- How long have you been in business?
- Are you licensed in my state?
- What’s your claims-paying history?
About the Policy
- What type of life insurance is this?
- Are there any waiting periods?
- Can my premiums increase?
- What happens if I miss a payment?
- Is there a cash value component?
About Underwriting
- What health questions will I need to answer?
- Do you require a medical exam?
- What could disqualify me from coverage?
- How long does the approval process take?
Why Working with an Independent Agent Matters
Here’s something I’ve learned after years in this business: the insurance company isn’t nearly as important as finding the right coverage for your specific situation. Different companies excel in different areas:
- Some are better for people with diabetes
- Others specialize in seniors or simplified issue
- Some offer the best rates for healthy applicants
- Others are more lenient with certain health conditions
As an independent agent, I work with multiple highly-rated companies. This means I can:
- Compare options across different insurers
- Match you with the right company for your health profile
- Navigate the application process with you
- Advocate for you if any issues arise
The Real Question You Should Be Asking
Instead of looking for a specific company name, the better question is: “What’s the best life insurance solution for my situation?”
That depends on factors like:
- Your age and health
- How much coverage you need
- Your budget
- Whether you want temporary or permanent coverage
- Your family’s financial situation
I help families answer these questions every day, and I can tell you that the “best” company is different for everyone.
Getting Started the Right Way
If you’re serious about getting life insurance coverage, here’s the process I recommend:
- Determine how much coverage you need
- Decide between term and permanent insurance
- Get quotes from multiple highly-rated companies
- Compare not just price, but also underwriting guidelines
- Work with a licensed agent who can guide you through the process
Don’t get hung up on finding a specific company name. Focus on finding quality coverage from a financially stable insurer that fits your needs and budget.
The life insurance market can be overwhelming, but that’s exactly why I’m here. I’ll cut through the noise, compare your options across multiple top-rated carriers, and help you find coverage that makes sense for your situation—without the pressure or confusion you might encounter elsewhere.
Related Reading
- Guaranteed Issue Final Expense Insurance: Your Complete Guide
- Burial Insurance for Seniors Over 70: Your Complete Guide
- Affordable Final Expense Insurance: Your Complete Guide
- Understanding Final Expense Insurance
Ready to see your real options? Contact me for a free quote and let’s find the right coverage from a legitimate, highly-rated insurance company.
- Verify any “Life Secure Insurance Company” carefully since this exact name doesn’t represent a single legitimate insurer and may be a marketing term or lead generation website.
- Check financial strength ratings from A.M. Best, S&P, or Moody’s before purchasing coverage, looking for companies with A- ratings or better to ensure claims-paying ability.
- Confirm legitimacy by verifying the company’s registration with your state insurance department and looking up their NAIC company code.
- Consider established insurers like Mutual of Omaha, Prudential, AIG, or Transamerica which offer genuine coverage with strong financial stability and proven track records.
- Avoid high-pressure sales tactics and unrealistic promises as legitimate insurance companies don’t rush you into immediate purchasing decisions.
