We have had Ameriprise Financial Term Life Insurance for well over 15 years and have never had any problems with the company. My husband and I are still living, so of course we haven't been able to collect on the policy yet, so I can't say what kind of service they give on claim processing, but other than that we have had great service.
We did have to answer health questions and I believe they also took a blood test when we applied for the coverage. We were in excellant health when we applied, so we had no problems getting the coverage.
We are 48 & 49 years old and for 100, 000 coverage on myself we are paying $33.93 a month and for $150, 000 on my husband, we are paying $41.96 for a total of $75.89 a month. The premium is deducted every month from our checking account. We also have an included Children's Rider of $5, 000.
I would recommend this company to anyone.