Instant Quote

Considering the Life Insurance Company of the Southwest? Buyer Beware!

If you’re in the market and are looking to buy life insurance through the Life Insurance Company of the Southwest….


You absolutely need to read my review. 

I can’t overstate how important it is for consumers to fully understand what they’re getting into before they sign on the dotted line. I’m going to provide you with with some intel on the good, the bad and the reasons why buyers need to beware. 

In a nutshell, there’s lots you need to know  before you jump in head first. 

Life Insurance Company of the Southwest

It's something you need to think about if you have dependents

You should go out and get life insurance when you have people who are dependent on you. A few life events to consider are getting married, getting pregnant (including your significant other getting pregnant for men), and buying a house.

David Rae, How Old Should You Be to Get Life Insurance 

Questions You Should ALWAYS Ask 

  • Does the Life Insurance Company of the Southwest have the type of life insurance I need?
  • Do they have the amount of coverage I require for my family?
  • How restrictive are their underwriting guidelines?
  • What are the chances I'll get approved?
  • How do their rates compare with other life insurers?
  • Can I find a better life insurer than the Life Insurance Company of the Southwest?

Shopping for life insurance seems deceivingly simple. You just logon to a site, get a quote, speak to an agent who submits your medical results to the underwriter and voila! You’re covered….right? 

Sigh. I wish! 

There’s some fundamental information that you should know BEFORE you apply for that policy. To the left I’m including a list of questions you need to answer to get the most bang for your buck. Check ’em out! 

You may be asking yourself “Why is this so important, I just need basic coverage!” Well I’m gonna tell ya now: 


For the past 10 years I’ve been in the business of educating people about life insurance and one of the most common misconceptions is that way too many people think all insurers are equal. 


These companies differ WILDLY in terms of prices, types of life insurance and underwriting – nothing is universal. The relationship you have with them depends on your personal circumstances. 

If you believe that you don’t need to know the ins and outs of the companies you’re considering this is a HUGE mistake. 

Friends, there are over 800 life insurance companies in the U.S. and they ALL have different approaches. 

You need someone knowledgeable in your corner

With so many companies vying for your business, the competition is fierce. Many insurers take a very conservative approach in regard to how they underwrite people.

Other companies are much more lenient.

The important thing for you to note is that your personal circumstances play a pivotal role in the final result.

If you’re young and healthy and apply to a company that rewards your youth – CONGRATS! 


Life Insurance Company of the Southwest Premiums
in 2 Minutes find out if we can beat 
The Life Insurance Company of the Southwest's Rate

Not everyone is healthy!

So WHAT IF you're not? 

Let's face it, MANY of us have medical issues.


....and life insurance companies are in the business of assessing risk. You don't think they want to pay out tons of claims do you?  They check out your medical history to weigh the odds of you passing away during your insured term.  

That being said, some take more chances than others. The conclusion? Your pick of life insurance company is a VERY personal thing. 

Life Insurance Company of the Southwest Health
Life Insurance Company of the Southwest Fitness
Life Insurance Company of the Southwest Sick
The Life Insurance Company of the Southwest Chubby
The life insurance company of the southwest old

.If you have a medical condition and apply to that same company that LOVES healthy applicants, you may end up spending thousands more over the life of your policy. You could even be declined if it’s a poor match. 

The key is to find the RIGHT insurer for your unique situation.

Chances you’re NOT a life insurance expert and these ever changing guidelines are NOT in your wheelhouse. This needn’t concern you because you have the brilliant agents at Huntley Wealth at your disposal. 

We keep abreast of these ever changing guidelines and are sure to find the best deal for you. 

You also need to be aware of the selection of products provided. Some companies offer a full line of life insurance products, while others may only sell term insurance or simply focus on no-medical exam policies or other specific lines. 

I can’t stress enough the importance of SHOPPING for coverage! Please don’t ever buy a policy just because you’ve seen their ads on TV or your computer!  Worse yet, there are way too many consumers who base their choice on the experience of someone else!  Remember they aren’t you! Maybe your friend is a 30 something marathoner and you’re a 40 something couch potato with asthma!? 

A decision such as this will cost you a pretty penny! 


At Huntley Wealth, we specialize in helping individuals with high risk medical issues.  You name it, and we've seen it.  We'll help you get approved quickly at a rate you can afford.  Get started with a free life insurance quote now!  

the life insurance company of the southwest

Go to their site and the  first thing you’ll discover is that you’re booted directly to National Life Group’s website.


National Life Group is a trade name for National Life Insurance Company, which is based in Montpelier Vermont.

It looks like National Life Group bought the Life Insurance Company of the Southwest in 1996. 

Yep, you heard me right. You won’t actually purchase your life insurance from the Life Insurance Company of the Southwest. 

The Life Insurance Company of the Southwest still operates as a separate entity but sells its products through National Life Insurance Company.

To make things a little more confusing, the Life Insurance Company of the Southwest has separate headquarters based in Addison Texas. 

Confusing, yes – but uncommon, no!

This happens all the time in the life insurance sector. That’s why I ask people to do their homework. Things are often not as straightforward as they first seem.

My Thoughts About The Life Insurance Company of the SouthWest


Maybe you don’t really care whether the life insurance company of the Southwest is ACTUALLY selling you life insurance or not.

BUT I bet you do care whether they’re financially sound

Interestingly the Life Insurance Company of the Southwest is treated as a distinct entity by the financial rating agencies. 

I was able to find ratings for the Life Insurance Company of the Southwest from three of the top financial rating agencies, The results are as follows (click to reveal): 

AM Best

Standard & Poor's


Not too shabby eh? Looks like your beneficiaries will be in safe hands.


A win for the Life Insurance Company of the Southwest! 

A few words to the wise

Purchasing life insurance can yield a number of benefits, but most policies are purchased as a way to help your family financially in the event you pass away. As such, life insurance can be a valuable, if not vital, component of the financial plan for you and your loved ones.

NASDAQ, 4 Errors to Avoid with Your Life Insurance 

Products Offered By the Life Insurance company of the southwest

A company’s selection of products is a VERY important detail. We all don’t have the same needs and different types of life insurance suit different circumstances.

This is the first RED FLAG I want to draw your attention to.

National Life Insurance Company offers little information about their offering. 

Hmmm. As a consumer, information is so very important! Sadly you’re almost forced to speak to a salesperson to find the details of what it is they actually sell. 

If you’re just shopping around – you won’t find much here. 

life insurance company of the southwest term

A Wide Selection of Products...with little information

To be fair, I was able to determine that the Life Insurance Company of the Southwest does have a decent selection of products. The main issue I have is that you’re given virtually no information about the details of their products. 

Here’s what the Life Insurance Company of the Southwest has to offer (click to reveal details): 

Whole Life Insurance 

Universal Life Insurance 

Indexed Life Insurance 

Variable Life Insurance 

Term Life Insurance 

So this is where I see some Serious Red flags! 

Term Life Insurance

The Life Insurance Company of the Southwest offers a term policy known as “1 Click Coverage”. Here are the deets: 

  • Coverage Length or Terms: 10, 15, 20 and 30 year terms
  • Face amounts of Coverage: $25,000 – $350,000
  • Age Cutoff:  20 – 60 (10 and 15 year terms) 20 – 55 (20 and 30 year terms) 

The underwriting classes include “Select” (Similar to Preferred Best/Preferred), “Standard Non-Tobacco, and “Select and Standard Tobacco”.

Policies are renewable to age 95 and are convertible to permanent policies. Unfortunately the site doesn’t tell you if they convert the policy to whole life, universal life or a choice of either. 

Term life insurance is my go to product, so this offering sends out some HUGE red flags.

Let’s check ’em out now: 

3 Red Flags: Why Buyers Should Beware

1. MEasly Coverage Amounts 

Life Insurance Company of the Southwest Red Flag

By comparison to numerous other life insurers, the coverage maximum is  woefully inadequate. It’s likely that $350,000 will leave you UNDERINSURED. This figure would barely cover the mortgage which most Americans carry. Not to mention the fact that it offers no wiggle room for income replacement, credit card debt and personal loans. If you have children, it probably won’t cover the cost of a college education and final expenses either. 

2. You gotta be pretty young 

Life Insurance Company of the Southwest Red Flag

Seniors BEWARE. Many other life insurers allow much greater latitude when it comes to the cut-off ages to buy various term lengths. For example, many companies will allow people age 65 and older to buy a 20 year term. So, the cut-off age restrictions for older clients may preclude consumers from protecting themselves adequately. 

3. Healthy people are welcomeD

Life Insurance Company of the Southwest Red Flag

So what’s so bad about that? Well if you’re not, chances are you can find a more lenient company.  The Life Insurance Company of the Southwest only offers two classifications for smokers and non-smokers: Select and Standard. Hmm…if you have a medical condition, this company doesn’t seem like a good bet.  This type of classification is known as non-rated classification. 


At Huntley Wealth, we treat every customer like they're family.  Our agents have NO sales quotas, so we're able to spend all the time necessary with every client.... there's no hurrying off to the next call with our agents.

So What is non-rated CLassification Anyway?

Typical life insurance classification are as follows: 

  • Preferred Best (Select)
  • Preferred
  • Standard Plus
  • Standard

Additionally, “Table Ratings” are offered, which could include up to 12 additional underwriting classifications.

This is not what the Life Insurance Company of the Southwest offers. They provide non-rated classification which leaves many people with medical conditions out in the cold. It’s fairly clear that they prefer to offer life insurance to healthy individuals.

Classifications such as Select and Standard leave people with medical conditions in limbo. 

If you’re an applicant with a pre-existing health condition such as Diabetes, Crohn’s or a variety of the other health ailments that affect Americans, you run the risk of being declined altogether. 

The kicker is you won’t know that answer until you apply. 

I have seen so many clients who were turned down by one company only to waste a bunch of time assuming that they’re uninsurable – which was simply NOT true.


Hell yeah! And let me Show you why In $

When you buy a life insurance policy, you do so knowing you will be paying into it for 10  – 30 years…

….and if you opt for a whole life policy you may be paying into it ’til you die! 

So let’s say I can save you $10.00 per month on your premiums. Seems like a pittance right?

NOT SO FAST! Here are the savings over the life of the policy: 

10 Years: $1,200.00 in Savings

20 Years: $2,400.00 in Savings 

30 Years: $3,600.00 in Savings 

50 Years: $6,000.00 in Savings

The Life Insurance Company of the southwest whole life

You see how fast the numbers stack up!? And this is just with a small savings. We’ve been known to get premiums down by as much as 70%!

Wow! Can you imagine what those figures look like over 30 years? 

If you think I’m just parroting some kind of sales pitch, then you have to read this article”25 Best Ways to Save 50% (Or More) On Life Insurance.”Click Here

The bottom line is, if you’re thinking about buying a policy with Life Insurance Company of the Southwest…



Think saving money on life insurance is as easy as getting a quick online quote?  Think again!  You need an expert guide.  We know the right companies for every age, health issue, and need.  It's quick and easy!  Get started with a free life insurance quote now!  

Hey Guys, Variety Really is the Spice of Life 

….and the Life Insurance Company of the Southwest is just one single company in a sea of options.

Go fishing and you are bound to catch something more impressive! 

Folks, the truth is there’s usually an affordable life insurance solution for just about every American out there! 

When it comes to effectively purchasing the right policy for your family at the most affordable rate, you should ALWAYS USE AN INDEPENDENT LIFE INSURANCE AGENT.

Captive agents only represent ONE single company.

You’re stuck choosing from the limited range of policies they offer, the rating classification they assign – and more importantly you have to pay the premium they are able to access.

Life Insurance Company of the Southwest Agent


NOPE I absolutely am not!
Truer words have never been spoken! 

The good news is, independent life insurance agents have the inside scoop on dozens of life insurance companies! 

Regardless of your situation or the policy type you need, independent life insurance agents such as the ones you’ll find here at Huntley Wealth, are in a much better position to pinpoint the right company for YOU! 

Maybe you want plain old Term, or a Permanent policy for estate or business purposes. What if you’re in a rush and need a No-Medical Exam life insurance policy, or have a situation that requires Guaranteed or Simplified Issue? How about a Final Expense policy for your funeral expenses? 

It matters not.

An independent life insurance agent will give you the REAL deal. Because we don’t get commissions to push you into something that’s not suitable. 

Huntley Wealth Will Save you some serious $

Many of the options I just mentioned are simply not available with any single company. Not to mention the fact that many Americans have some form of health issue. 

Which means you need someone in your corner that understands the ins and outs of the underwriting guidelines for each and every company they represent. More leniency in regard to your specific medical condition translates into serious saving for you! 

Remember we work for you NOT THE LIFE INSURANCE COMPANY.

Call Huntley Wealth first if you want the most comprehensive policy and at the lowest possible rates.  In a word, we can do better than Life Insurance Company of the Southwest! 

Call today our agents are happy to answer all your questions, offer some advice and there’s absolutely no obligation to buy a policy. Call the pros at Huntley Wealth today at 877 – 443 – 9467.

*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.

Leave a Comment

Your email address will not be published. Required fields are marked *