Think life insurance and one of the first companies that come to mind is Globe Life Insurance. Incepted in 1951, the insurance carrier has been a recipient of immense accolades and has continued its commitment towards excellence.
A life insurance policy is one of the best securities that will safeguard the interest of yourself and the family. Moreover, getting a life insurance is not as complicated as it is touted to be, and there is a certain level of coverage to suit every budget. As a reputed company, Global Life Insurance can automatically make it to the list of your preferred insurance carriers. Moreover, there are some factors that will further convince you to take the final plunge.
Here are four admirable facts that one must be aware of before opting for Globe Life Insurance.
AM Best rating
Globe Life Insurance has a strong market presence and has been around for more than five decades. The carrier boasts of a Globe Life’s A.M Best Company rating of A+. It also scores one high mark for financial ratings by Premier Insurance ratings agency. The ratings are a testament of the company’s great customer service and commitment in the field.
Absence of medical examinations
Unlike most popular insurance companies, Globe Life Insurance offers no exam policies. The process is as simple as it can get, and the applicant is expected to answer just a few health questions. Not having to take the medical exam can be viewed as a positive point for many as one may find that they get the best for their bucks.
Fixed death benefit
The most notable factor of the Globe Life Insurance is its fixed death benefit. As long as you make timely payments, the amount is locked in, so you do not have to be worried for the life of your policy. This proves to be great for an individual who is looking to make a financial plan or use the life insurance payback for purposes such as paying off debts.
Right mix of policy options
Globe Life Insurance does not just cater to a certain need but offers policies that address every requirement. The carrier offers the perfect medley of policies that can be of great aid in enhancing one’s investments. From Term and Children’s life insurance to Accidental Death insurance, they cover it all.
Evaluating your needs and accessing the best deals being offered by Global Life Insurance will ensure that you are a content policyholder.
There are companies that work on collecting and maintaining credit information of consumers. These are known as credit reporting agencies (CRAs). There are three such major CRAs in the country, namely Equifax, Experian, and TransUnion. Apart from these, there are other smaller-scale agencies too that specialize at the job. If you’re worried about “where to get my credit score?,” the larger CRAs are the most reliable bets.
These major CRAs obtain information from companies that you hold business and transactions with. People or companies that lend you money regularly report to these CRAs on your repaying status. There is also detailed information on the amount you are indebted and whether you have ever defaulted on your payments. Aside from the reports obtained from lenders, these companies also tally your general records based on certain other aspects. Some of these aspects are your public records from the local and state judiciary. These include your tax records and bankruptcy information. This information makes up an important chunk of your credit score and its report.
Equifax
Present in 24 countries, Equifax is an agency that offers consumers protection against identity theft and credit fraudulence. They also sell credit reports and credit monitoring assistance to businesses.
Experian
Experian started off in London and is now a trusted agency in 39 different countries. It provides you with a credit score, credit report, and even credit tracker on subscription. The agency uses FICO 8 system of credit score calculation. Experian was a part of Forbes’ “World’s Most Innovative Companies” in 2018.
TransUnion
Based across 30 countries with a database of over 1 billion consumers, TransUnion is another CRA giant. The agency, like the other ones, will provide you with your credit score and your credit reports. In case you decide to freeze your TransUnion credit report, it will also go the extra mile to notify Equifax and Experian, which frankly is a big help especially in case of identity theft and credit fraud.
So, the next time you are sat wondering “where to get my credit score?,” think of these three giants that provide you with an annual credit score and credit report for free once each year. However, if you are looking for more frequent updates, you can subscribe to their services and receive your monthly updates.
Did you know that you have more than a single credit score? Agencies calculate your credit score based on the data in your credit reports. If you are wondering, “where to get my credit score?,” there are three main credit reporting agencies. These can have different credit scores for you if your information on each of their credit reports is different. Also, these agencies charge a fee to reveal your credit score.
Recently, it has become easier to track and get hold of your credit score without paying any fees. You can get it from your credit card company, your loan provider, and even from a non-profit counselor. Here are a few tips you can use to check your score.