How does one check out the rep on a life insurance co?

[Trailer Park Casanova]

The new wife came into the marriage with a huge long list of insurance.
Unf 'n believable how insured she is.
This girl may even have metieor insurance in there someplace.
GGGEEEEZZZEEEEE louise!!!!!!!
Where do you start in checking out figuring the reputable ones that are legit from the non-sense companies that are no more than a waste-of-money piece of paper?
Thanks

[rrrr]

Hire a hit man and see who pays off? :220v: :D

[2Driver]

The new wife came into the marriage with a huge long list of insurance.
Unf 'n believable how insured she is.
This girl may even have metieor insurance in there someplace.
GGGEEEEZZZEEEEE louise!!!!!!!
Where do you start in checking out figuring the reputable ones that are legit from the non-sense companies that are no more than a waste-of-money piece of paper?
Thanks
AM Best, they rate insurance companies. Industry standard
http://www.ambest.com/

[HM]

I would be more concerned about the type of policy vs. the actual life insurance company. But, you can check the CA. Dept of Insurance website on licensing and with the BBB to see if they get a lot of complaints and if complaints are left unsettled.
How much of it is paid up and how much is still requires premiums. Your best bet is to take all the policies to one insurance guy that you can trust. He can review all your stuff and tell you what is good, bad, and indifferent.

[HM]

AM Best, they rate insurance companies. Industry standard
http://www.ambest.com/
Ratings don't mean a whole lot when you understand how the ratings work and A.M. Best is only one of several. One of my favorite Life Insurance companies is far from the top. But, if they have bad ratings across the board with several ratings companies(S&P, Comdex, A.M. Best) then you might see that they are not as financially sound as the others. The ratings do not reflect their customer service or how they pay on claims....it is a financial rating. The top rated companies are more profitable and have more money in reserves. I can tell you that some of the worst rated life insurance companies are more sound than some of the best rated banks. Again, when you understand how the ratings work, you realize that ratings are almost useless for the average consumer. Kind of like how people think FDIC actually means something at a bank.

[HocusPocus]

we use a financial planner that we have known for years, he helps us makes sense of various things like insurance.

[a catered life]

Hire a hit man and see who pays off? :220v: :D
ok you beat me to it :p

[hotsand65]

go to www.insurance.ca.gov and at the top of the page hit check license status and when you get into that screen you can put in their name and when you put it in it will give you there license number and somewhere in there you can find out if they have anything against them

[Trailer Park Casanova]

Thanks for the replies.