When you have a life insurance quote that you believe is the most competitive out there, it's time to check the reputation of the life insurance company. To ensure that you're putting your money into a stable firm, you should check out credit agencies such as Standard & Poor's (standardandpoors.com). You can also contact consumer rating service companies such as J.D. Power and Associates (jdpower.com). Working with a reputable life insurance company is extremely important when you think about it.