Business: Shopper's Guide to Policies

IN "A Shopper's Guide to Life Insurance," Pennsylvania Insurance Commissioner Herbert Denenberg lists what he finds to be the ten best and ten worst buys among the 166 largest insurance companies doing business in Pennsylvania. As Denenberg cautions, there are other factors to use in weighing insurance plans, including the quality of the company's service and its financial stability. But he believes that cost is one of the most important criteria.

His comparison is based not on the size of premiums but on what insurance men call the "interest-adjusted cost," which Denenberg insists is the best way to measure a true price...