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 Cheapest Life Insurance USA

Berkshire Life - Life Insurance

About Berkshire Life

Berkshire Life invite you to Judge Them by Their Strength

As a mutual insurance company, Berkshire Life is managed solely for the long-term benefit of their policyholders - their client-owners. Backed by financial strength and an ardent commitment to service, their core values and excellent insurance products provide more than 100,000 client-owners nationwide with:

  • Protection against dying too soon or outliving their assets
  • Business and personal income protection in the event of disability
  • Estate protection and retirement security planning

A History of Strength and Service
Berkshire Life is the 12th oldest life insurance company in the United States. Founded in 1851 in Pittsfield, Massachusetts, they have survived a civil war, two world wars and countless cycles of economic recession and recovery including the Great Depression - and they continue to maintain a strong balance sheet and steady, measured growth.

Proven Financial Strength

  • Berkshire Life is ranked in the top 13%, as measured by asset size, of more than 1,700 life insurance companies licensed to do business in the U.S. They have the scope and depth to deliver the high-quality solutions that their clients demand.
  • An investment philosophy of avoiding speculative investments - focusing instead on high-quality bonds, mortgages and, to a lesser degree, equities - has led their portfolios to be cited for their excellence by the leading Industry Rating agencies, including Standard & Poor's, A.M. Best and Duff & Phelps.
  • A long experience with their core lines of business gives them the ability to accurately predict and manage most of the trends that will affect their products.
  • Concentration on individual insurance allows Berkshire Life to predict the benefits they will be paying more accurately than if they specialized in group health, property/casualty or other interest-sensitive, more unpredictable lines of business.
  • Berkshire Life's New York licensing means they apply New York's tougher, more consumer-protective regulations to their business - in all of their agencies across the U.S. Only 140 insurance companies are licensed to sell insurance in New York, and Berkshire Life are proud to be one of them.

The Strength of a Mutual Insurance Company
Because Berkshire Life are a mutual company, Berkshire Life is owned by their policyholders. They are not subject to the ups and downs of the stock market, and they do not sacrifice long-term stability for short-term growth. Therefore, they use their earnings to benefit their client-owners in the following three ways:

  • Establish surplus reserves to assure long-term stability of the company
  • Invest in future growth
  • Pay dividends to their policyholders*

Berkshire Life - Life Insurance

Individual life insurance can provide the valuable income protection you need - for your retirement, for your family's future financial security. Life insurance is certainly an essential part of any successful personal financial plan - but since there are several types of life insurance to choose from, it's wise to have a basic understanding of the subject before you buy.

The best life insurance policy for you depends on your specific financial goals and needs for protection. But planning for the future can be hard - with so many things to consider and hard questions to ask yourself, you may end up wondering where to begin. What if you live a long and healthy life outliving your assets, for example? Will you have enough money available for a comfortable retirement? If you were to die unexpectedly, would your family have enough income to make the monthly mortgage payments, maintain their quality of life or cover the costs of your children's college education? Would your loved ones be burdened with significant estate taxes or other outstanding debts?

Determine Your Needs (Coming Soon!)
To get you started, Berkshire Life have put together a quick calculator that will help you estimate your protection needs and which type of life insurance may be best for you - term or permanent. Take a few moments and compare the effectiveness of these two different types of life insurance.

Term Life Insurance
Term life insurance provides protection for a specified period of time. It's an affordable choice for younger families who need the greatest amount of protection without paying high premiums. Learn more about term insurance and Berkshire Life's low-cost 10-year (Level 10) and one-year (ART) term life products - recognized industry leaders.

Permanent Life Insurance
Permanent life insurance, also called whole life insurance, gives you guaranteed death benefit plus competitive tax-deferred* cash value growth during your entire life. You can use the accumulated cash value to help pay for emergency expenses, your children's college tuition, or to supplement your retirement income.

700 South Street,
MA 01201

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