Looking for the best company to cover your insurance needs can get very confusing. There are hundreds of insurance companies both regional and national that have different, and even opposing, policies when it comes to coverage. One of the best reviewed companies is the National Benefit Life Insurance Company (NBL). It has received strong ratings from the Insurance Marketplace Standards Association, Standard & Poor's, and A.M. Best. It has also received a myriad awards from independent customer organizations around the country. Now the big question is: Does it live up to expectations?

The Company 
Situated in Long Island, New York, NBL is a subsidiary of Primerica, one of the biggest financial services in the country. NBL has more than $30 billion face amounts on record and this keeps on growing as more and more people seek life insurance from them. NBL currently covers more than half a million individuals working for thousands of employers. NBL operates on a national level, covering businesses from all 50 states.

National Benefit offers many different term life policies. This is life insurance that is designed to protect your dependants financially for a certain period of time. This is especially important if you're just starting a family, if you've just purchased a house, or if you have some other type of debt or expense you're worried about paying, like paying for your child's college expenses.

Disability Benefits 
NBL started in 1963 under a different name. Fifty years later, they have developed a specialty on state disability, student insurance, health, and accident insurance. Of particular interest to many New Yorkers is NBL's policies on disability claim. Different states have different statutory disability benefits laws. New York, in particular, requires employers to pay their employees weekly benefits if they ever had an illness or injury that is non-work related. If you have been with the company for more than 30 days, you can file a claim for your condition.

Although the NY Disability Benefits Law generally covers employees who work in New York, there are a few exceptions such as when your company's headquarters is located in this state of if you're performing services for someone in it. Disability claim can be obtained provided you have the right documents from your doctor.

Companies who are interested in getting a disability insurance quote from the National Benefit Life Insurance Company can head out to their website and fill out the application form. You will be asked basic information such as your company's legal name, address, and intended date for the policy. The website also has a toll free number that you can call if you have further questions.