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I have been reading about life insurance, and I am pretty settled that I want to buy level term life insurance for both me and my wife.

One area which most of the online guide barely touch upon is selecting a company. Of course I know I can shop around for the best premiums, but how important is it to evaluate the company's financial health?

What happens if the company goes under while holding your policy? How about if their Moody's or S&P rating drops?

Is it sufficient to see some reputable rating organizations giving A+ ratings to a company to feel confident that the company can fulfill its payout commitment?

I'm thinking of a 20 year term.

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