Top Life Insurance Coverage: What You Need to Know in 2024 (Top 10 Companies)
Discover the essential insights on top insurance coverage with companies like Prudential, Guardian, and State Farm. Discover why they stand out with their customizable policies, insurance offerings, and competitive rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Mar 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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UPDATED: Mar 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Explore our guide to understand different top life insurance coverage with the best providers like Prudential, Guardian, and State Farm. Discover these companies as they offer competitive rates and customizable policies to ensure your financial future is protected.
If you’ve decided now is the time to buy life insurance, you’ve already taken the first, and likely the easiest, step in the process. As you shop around, your choice of provider will depend on comparing life insurance rates from multiple companies. However, more than just cost should factor into this decision, such as available life insurance products, coverage limits, and riders.
- Life Insurance Company Reviews
- Fidelity Life Association a Legal Reserve Life Insurance Company Review (2024)
- United of Omaha Life Insurance Company Review (2024)
- United National Life Insurance Company of America Review (2024)
- United Home Life Insurance Company Review (2024)
- United Heritage Life Insurance Company Review (2024)
- United Farm Family Life Insurance Company Review (2024)
- United American Insurance Company Review (2024)
- Union Labor Life Insurance Company Review (2024)
- Citizens Security Life Insurance Company Review (2024)
- Cincinnati Life Insurance Company Review (2024)
- Cimarron Insurance Company Inc Review (2024)
- Cim Insurance Corporation Review (2024)
- Cigna Insurance Company(Formerly United Benefit Life Insurance Company) Review (2024)
- Auto-Owners Insurance Company Review (2024)
- Auto Club Property-Casualty Insurance Company Review (2024)
- Attorneys Title Guaranty Fund Inc. Review (2024)
- Aurora National Life Assurance Company Review (2024)
- Auto Club Life Insurance Company Review (2024)
- Atlantic Coast Life Insurance Company Review (2024)
- Atlanta Life Insurance Company Review (2024)
- Western National Mutual Insurance Company Review (2024)
- Variable Annuity Life Insurance Company Review (2024)
- Venerable Insurance and Annuity Company Review (2024)
- Washington National Insurance Company Review (2024)
- Voya Retirement Insurance and Annuity Company Review (2024)
- Western – Southern Life Assurance Company Review (2024)
- Vantis Life Insurance Company Review (2024)
- Westfield Champion Insurance Company Review (2024)
- Western World Insurance Company Review (2024)
- Western United Life Assurance Company Review (2024)
- Utica National Assurance Company Review (2024)
- Utica Mutual Insurance Company Review (2024)
- Western Pacific Mutual Insurance Company, a Rrg Review (2024)
- USPlate Glass Insurance Company Review (2024)
- USable Life Review (2024)
- USAA Life Insurance Company Review (2024)
- USA Life One Insurance Company of Indiana Review (2024)
- Upstream Life Insurance Company Review (2024)
- Unum Life Insurance Company of America Review (2024)
- Unum Insurance Company Review (2024)
- William Penn Association Review (2024)
- William Penn Life Insurance Company of New York Review (2024)
- Woman’s Life Insurance Society Review (2024)
- Woodmen of the World Life Insurance Society Review (2024)
- United States Life Insurance Company in the City of New York Review (2024)
- United States Letter Carriers Mutual Benefit Association Review (2024)
- United States Branch of the Sun Life Assurance Company of Canada Review (2024)
- United States Branch of the Independent Order of Foresters Review (2024)
- Wysh Life and Health Insurance Company Review (2024)
- United Security Assurance Company of Pennsylvania Review (2024)
- Young America Insurance Company Review (2024)
- The Commerce Insurance Company Review (2024)
- Zale Indemnity Company Review (2024)
- The Cincinnati Insurance Company Review (2024)
- The Cincinnati Indemnity Company Review (2024)
- Zenith Insurance Company Review (2024)
- The Cincinnati Casualty Company Review (2024)
- ZNAT Insurance Company Review (2024)
- Zurich American Insurance Company Review (2024)
- The Chesapeake Life Insurance Company Review (2024)
- Zurich American Insurance Company of Illinois Review (2024)
- The American Home Life Insurance Company Review (2024)
- Texas Life Insurance Company Review (2024)
- Ukrainian National Association, Inc. Review (2024)
- U.S. Underwriters Insurance Company Review (2024)
- U.S. Financial Life Insurance Company Review (2024)
- Tudor Insurance Company Review (2024)
- TruAssure Insurance Company Review (2024)
- Triumphe Casualty Company Review (2024)
- Trisura Specialty Insurance Company Review (2024)
- Trinity Life Insurance Company Review (2024)
- Travelers Casualty Company of Connecticut Review (2024)
- Transamerica Life Insurance Company Review (2024)
- Transamerica Financial Life Insurance Company Review (2024)
- Transamerica Casualty Insurance Company Review (2024)
- Trans Pacific Insurance Company Review (2024)
- TIAA-CREF Life Insurance Company Review (2024)
- Third Coast Insurance Company Review (2024)
- The Western and Southern Life Insurance Company Review (2024)
- The United States Business of the Canada Life Assurance Company Review (2024)
- The Travelers Protective Association of America Review (2024)
- The State Life Insurance Company Review (2024)
- The Savings Bank Mutual Life Insurance Company of Massachusetts Review (2024)
- The Prudential Insurance Company of America Review (2024)
- The Ohio Casualty Insurance Company Review (2024)
- The Northwestern Mutual Life Insurance Company Review (2024)
- The Midwestern Indemnity Company Review (2024)
- The Lincoln National Life Insurance Company Review (2024)
- The Lafayette Life Insurance Company Review (2024)
- The Epic Life Insurance Company Review (2024)
- Talcott Resolution Life Insurance Company Review (2024)
- Talcott Resolution Life and Annuity Insurance Company Review (2024)
- Talcott Resolution International Life Reassurance Corporation Review (2024)
- Symetra National Life Insurance Company Review (2024)
- Symetra Life Insurance Company Review (2024)
- Sterling Investors Life Insurance Company Review (2024)
- State Farm Fire and Casualty Company Review (2024)
- Starstone Specialty Insurance Company Review (2024)
- Starstone National Insurance Company Review (2024)
- Starmount Life Insurance Company Review (2024)
- Standard Security Life Insurance Company of New York Review (2024)
- Standard Life and Casualty Insurance Company Review (2024)
- Standard Life and Accident Insurance Company Review (2024)
- Standard Insurance Company Review (2024)
- Standard Guaranty Insurance Company Review (2024)
- Spinnaker Specialty Insurance Company Review (2024)
- Spinnaker Insurance Company Review (2024)
- Specialty Surplus Insurance Company Review (2024)
- Southern States Insurance Exchange Review (2024)
- Shelter Life Insurance Company Review (2024)
- Sierra Health and Life Insurance Company, Inc. Review (2024)
- Shelterpoint Life Insurance Company Review (2024)
- Sentry Life Insurance Company Review (2024)
- Seneca Specialty Insurance Company Review (2024)
- Shelterpoint Life Insurance Company Review (2024)
- Scor Reinsurance Company Review (2024)
- Scor Global Life USA Reinsurance Company Review (2024)
- Scor Global Life Reinsurance Company of Delaware Review (2024)
- Scor Global Life Americas Reinsurance Company Review (2024)
- SBLI USA Life Insurance Company, Inc. Review (2024)
- Sagicor Life Insurance Company Review (2024)
- Security National Life Insurance Company Review (2024)
- Safeco Surplus Lines Insurance Company Review (2024)
- Security Mutual Life Insurance Company of New York Review (2024)
- Security Benefit Life Insurance Company Review (2024)
- Securian Life Insurance Company Review (2024)
- Scottsdale Surplus Lines Insurance Company Review (2024)
- Scottsdale Insurance Company Review (2024)
- S. USA Life Insurance Company, Inc. Review (2024)
- RiverSource Life Insurance Company Review (2024)
- Zurich American Life Insurance Company Review (2024)
- Republic-Franklin Insurance Company Review (2024)
- Reliance Standard Life Insurance Company Review (2024)
- Renaissance Life & Health Insurance Company of America Review (2024)
- ReliaStar Life Insurance Company of New York Review (2024)
- ReliaStar Life Insurance Company Review (2024)
- QBE Insurance Corporation Review (2024)
- Puritan Life Insurance Company of America Review (2024)
- Pruco Life Insurance Company Review (2024)
- Provident Life And Casualty Insurance Company Review (2024)
- Provident American Life and Health Insurance Company Review (2024)
- Protective Life Insurance Company Review (2024)
- Principal National Life Insurance Company Review (2024)
- Principal Life Insurance Company Review (2024)
- Primerica Life Insurance Company Review (2024)
- Patriot Life Insurance Company Review (2024)
- PHL Variable Insurance Company Review (2024)
- Petroleum Casualty Company Review (2024)
- Petroleum Marketers Management Insurance Company Review (2024)
- Pekin Life Insurance Company Review (2024)
- Park Avenue Life Insurance Company Review (2024)
- Pan-American Life Insurance Company Review (2024)
- Pan-American Assurance Company Review (2024)
- Pacific Life Insurance Company Review (2024)
- Oxford Life Insurance Company Review (2024)
- Owners Insurance Company Review (2024)
- Old Republic Life Insurance Company Review (2024)
- Optum Insurance of Ohio, Inc. Review (2024)
- Ophthalmic Mutual Insurance Company (A Risk Retention Group) Review (2024)
- Openly Insurance Company Review (2024)
- Old Guard Insurance Company Review (2024)
- Old United Life Insurance Company Review (2024)
- Ohio National Life Insurance Company Review (2024)
- Oceanview Life and Annuity Company Review (2024)
- Noblr Reciprocal Exchange Review (2024)
- NLC Mutual Insurance Company Review (2024)
- Nippon Life Insurance Company of America Review (2024)
- NGM Insurance Company Review (2024)
- Next Insurance Us Company Review (2024)
- New York Life Insurance Company Review (2024)
- New York Life Insurance and Annuity Corporation Review (2024)
- New Era Life Insurance Company of the Midwest Review (2024)
- North American Company for Life and Health Insurance Review (2024)
- New Era Life Insurance Company Review (2024)
- National Slovak Society of the United States of America Review (2024)
- New England Reinsurance Corporation Review (2024)
- National Teachers Assoc Life Ins Co Review (2024)
- New England Life Insurance Company Review (2024)
- National Security Life and Annuity Company Review (2024)
- Nationwide Life Insurance Company Review (2024)
- Nationwide Life and Annuity Insurance Company Review (2024)
- Nationwide Mutual Insurance Company Review (2024)
- National Western Life Insurance Company Review (2024)
- National Public Finance Guarantee Corporation Review (2024)
- National American Insurance Company Review (2024)
- Nassau Life Insurance Company of Kansas Review (2024)
- Nassau Life Insurance Company Review (2024)
- Motors Insurance Corporation Review (2024)
- Nassau Life and Annuity Company Review (2024)
- Namic Insurance Company, Inc. Review (2024)
- MutualAid Exchange Review (2024)
- Mutual of Omaha Insurance Company Review (2024)
- Monitor Life Insurance Company of New York Review (2024)
- Monarch Life Insurance Company Review (2024)
- Modern Woodmen of America Review (2024)
- Mutual of America Life Insurance Company Review (2024)
- Munich Re Us Life Corporation Review (2024)
- Munich American Reassurance Company Review (2024)
- MT. Hawley Insurance Company Review (2024)
- Msig Specialty Insurance USA Inc Review (2024)
- Mountain Valley Indemnity Company Review (2024)
- Mount Vernon Specialty Insurance Company Review (2024)
- Mount Vernon Fire Insurance Company Review (2024)
- MML Bay State Life Insurance Company Review (2024)
- Minnesota Life Insurance Company Review (2024)
- MII Life Insurance, Incorporated Review (2024)
- MidSouth Mutual Insurance Company Review (2024)
- Mid-West National Life Insurance Company of Tennessee Review (2024)
- Merit Life Insurance Co. Review (2024)
- Metropolitan Tower Life Insurance Company Review (2024)
- Members Life Insurance Company Review (2024)
- MedMutual Life Insurance Company Review (2024)
- Medico Corp Life Insurance Company Review (2024)
- Madison National Life Insurance Company, Inc. Review (2024)
- Lumico Life Insurance Company Review (2024)
- Manhattanlife of America Insurance Company Review (2024)
- Manhattanlife Insurance and Annuity Company Review (2024)
- Loyal Christian Benefit Association Review (2024)
- Lombard International Life Assurance Company Review (2024)
- Lincoln Life & Annuity Company of New York Review (2024)
- Lincoln Heritage Life Insurance Company Review (2024)
- Lincoln Benefit Life Company Review (2024)
- Lifeshield National Insurance Co. Review (2024)
- Lifesecure Insurance Co. Review (2024)
- Lifecare Assurance Company Review (2024)
- Life Insurance Company of the Southwest Review (2024)
- Life Insurance Company of Alabama Review (2024)
- KSKJ Life, American Slovenian Catholic Union Review (2024)
- Kookmin Best Insurance Company, Ltd. (u.s. Branch) Review (2024)
- Knights of Columbus Review (2024)
- Kansas City Life Insurance Company Review (2024)
- John Hancock Life Insurance Company (USA) Review (2024)
- John Hancock Life & Health Insurance Company Review (2024)
- JM Specialty Insurance Company Review (2024)
- Jet Insurance Company Review (2024)
- Jefferson National Life Insurance Company Review (2024)
- ISDA Fraternal Association Review (2024)
- Jackson National Life Insurance Company Review (2024)
- International Fidelity Insurance Company Review (2024)
- Integrity Life Insurance Company Review (2024)
- Independence Life and Annuity Company Review (2024)
- Incline Casualty Company Review (2024)
- Independent Mutual Fire Insurance Company Review (2024)
- HM Life Insurance Company Review (2024)
- Illinois Mutual Life Insurance Company Review (2024)
- Ibexis Life & Annuity Insurance Company Review (2024)
- Horace Mann Insurance Company Review (2024)
- Homesteaders Life Company Review (2024)
- Heritage Life Insurance Company Review (2024)
- HCC Life Insurance Company Review (2024)
- Guarantee Trust Life Insurance Company Review (2024)
- Hartford Life and Accident Insurance Company Review (2024)
- Hartford Fire Insurance Company Review (2024)
- Guardian Life Insurance Company of America Review (2024)
- Guardian Insurance & Annuity Company, Inc. Review (2024)
- Guaranty Income Life Insurance Company Review (2024)
- Great Western Insurance Company Review (2024)
- Granite Re, Inc. Review (2024)
- Granite Alliance Insurance Company Review (2024)
- Grange Life Insurance Company Review (2024)
- Grange Insurance Company Review (2024)
- GPM Health and Life Insurance Company Review (2024)
- Government Personnel Mutual Life Insurance Company Review (2024)
- Globe Life and Accident Insurance Company Review (2024)
- Genworth Life Insurance Company Review (2024)
- Gleaner Life Insurance Society Review (2024)
- General Re Life Corporation Review (2024)
- Genworth Insurance Company Review (2024)
- Generali U.S. Branch Review (2024)
- Funeral Directors Life Insurance Company Review (2024)
- Gainbridge Life Insurance Company Review (2024)
- GBU Financial Life Review (2024)
- Frontline Insurance Unlimited Company Review (2024)
- Fortitude Us Reinsurance Company Review (2024)
- First Catholic Slovak Ladies Association of the u.s.a. Review (2024)
- Fidelity Security Life Insurance Company Review (2024)
- Fidelity Investments Life Insurance Company Review (2024)
- Fidelity & Guaranty Life Insurance Company Review (2024)
- Federated Life Insurance Company Review (2024)
- Family Heritage Life Insurance Company of America Review (2024)
- Family Benefit Life Insurance Company Review (2024)
- Everest Denali Insurance Company Review (2024)
- Everence Association Inc Review (2024)
- Everlake Life Insurance Company Review (2024)
- Everest Indemnity Insurance Company Review (2024)
- Erie Family Life Insurance Company Review (2024)
- Equity Insurance Company Review (2024)
- Equitrust Life Insurance Company Review (2024)
- Equitable Financial Life Insurance Company of America Review (2024)
- Equitable Financial Life Insurance Company Review (2024)
- Encova Life Insurance Company Review (2024)
- Empower Annuity Insurance Company of America Review (2024)
- Enterprise Life Insurance Company Review (2024)
- Equitable Financial Life and Annuity Company Review (2024)
- EMC National Life Company Review (2024)
- Elips Life Insurance Company Review (2024)
- Educators Life Insurance Company of America Review
- Eagle Life Insurance Company Review (2024)
- DSM USA Insurance Company, Inc. Review (2024)
- Dorinco Reinsurance Company Review (2024)
- Dorchester Insurance Company, Ltd Review (2024)
- Donegal Mutual Insurance Company Review (2024)
- Elco Mutual Life and Annuity Review (2024)
- Delaware Life Insurance Company Review (2024)
- Dearborn Life Insurance Company Review (2024)
- CSA Fraternal Life Review (2024)
- Crum & Forster Indemnity Company Review (2024)
- Croatian Fraternal Union of America Review (2024)
- Coverys Specialty Insurance Company Review (2024)
- Countryway Insurance Company Review (2024)
- Country Investors Life Assurance Company Review (2024)
- Country Casualty Insurance Company Review (2024)
- Corporate Solutions Life Reinsurance Company Review (2024)
- Cornerstone National Insurance Company Review (2024)
- Continental American Insurance Company Review (2024)
- Commercial Travelers Life Insurance Company Review (2024)
- AZguard Insurance Company Review (2024)
- Central Mutual Insurance Company Review (2024)
- Columbus Life Insurance Company Review (2024)
- AXIS Surplus Insurance Company Review (2024)
- Columbia National Insurance Company Review (2024)
- Centerline Insurance Company Review (2024)
- CICA Life Insurance Company of America Review (2024)
- AXIS Specialty Insurance Company Review (2024)
- Church Life Insurance Corporation Review (2024)
- Centennial Casualty Company Review (2024)
- AXIS Reinsurance Company Review (2024)
- Censtat Casualty Company Review (2024)
- AXA Insurance Company Review (2024)
- Celtic Insurance Company Review (2024)
- Colonial Penn Life Insurance Company Review (2024)
- Colonial Life & Accident Insurance Company Review (2024)
- Cedar Insurance Company Review (2024)
- Catholic United Financial Review (2024)
- Catholic Order of Foresters Review (2024)
- Coliseum Reinsurance Company Review (2024)
- CMFG Life Insurance Company Review (2024)
- Catholic Financial Life Review (2024)
- CM Vantage Specialty Insurance Company Review (2024)
- Caterpillar Life Insurance Company Review (2024)
- Clover Insurance Company Review (2024)
- Centre Life Insurance Company Review (2024)
- Clear Spring Life and Annuity Company Review (2024)
- Canada Life Reinsurance Company p/k/a London Life Reinsurance Company Review (2024)
- Central Security Life Insurance Company Review (2024)
- Boston Mutual Life Insurance Company Review (2024)
- Betterlife Review (2024)
- Bestow Life Insurance Company Review (2024)
- Berkshire Life Insurance Company of America Review (2024)
- Berkshire Hathaway Specialty Insurance Company Review (2024)
- Berkshire Hathaway Life Insurance Company of Nebraska Review (2024)
- Berkshire Hathaway Homestate Insurance Company Review (2024)
- Berkshire Hathaway Direct Insurance Company Review (2024)
- Berkley Life and Health Insurance Company Review (2024)
- Bedivere Insurance Company Review (2024)
- Beneficial Life Insurance Company Review (2024)
- Baptist Life Association Review (2024)
- Banner Life Insurance Company Review (2024)
- Bankers Life and Casualty Company Review (2024)
- Bankers Fidelity Life Insurance Company Review (2024)
- Bankers Fidelity Assurance Company Review (2024)
- Baltimore Life Insurance Company Review (2024)
- Arch Specialty Insurance Company Review (2024)
- Arch Reinsurance Company Review (2024)
- Arch Property Casualty Insurance Company (Formerly Arch Excess & Surplus Insurance Company) Review (2024)
- Arch Mortgage Insurance Company Review (2024)
- Arch Mortgage Guaranty Company Review (2024)
- Arch Life Insurance Company of America Review (2024)
- Appalachian Insurance Company Review (2024)
- Athene Life Insurance Company of New York Review (2024)
- Anthem Life Insurance Company Review (2024)
- Athene Annuity and Life Company Review (2024)
- Athene Annuity & Life Assurance Company of New York Review (2024)
- Athene Annuity & Life Assurance Company Review (2024)
- Annuity Investors Life Insurance Company Review (2024)
- Ategrity Specialty Insurance Company Review (2024)
- Assurity Life Insurance Company Review (2024)
- Assured Life Association Review (2024)
- Armed Forces Insurance Exchange Review (2024)
- ARI Insurance Company Review (2024)
- American National Life Insurance Company of Texas Review (2024)
- American National Life Insurance Company of New York Review (2024)
- American National Insurance Company Review (2024)
- American Modern Property and Casualty Insurance Company Review (2024)
- American Maturity Life Insurance Company Review (2024)
- American Life & Security Corp. Review (2024)
- Amica Mutual Insurance Company Review (2024)
- American Liberty Insurance Company, Inc Review (2024)
- Amica Life Insurance Company Review (2024)
- American Interstate Insurance Company of Texas Review (2024)
- Amfirst Insurance Company Review (2024)
- Ameritas Life Insurance Corp. Review (2024)
- Americo Financial Life and Annuity Insurance Company Review (2024)
- American-Amicable Life Insurance Company of Texas Review (2024)
- American Zurich Insurance Company Review (2024)
- American United Life Insurance Company Review (2024)
- American General Life Insurance Company Review (2024)
- American Financial Security Life Insurance Company Review (2024)
- American Fidelity Life Insurance Company Review (2024)
- American Family Life Insurance Company Review (2024)
- American Family Life Assurance Company of Columbus (Aflac) Review (2024)
- American Select Insurance Company Review (2024)
- American Safety Insurance Company Review (2024)
- American Republic Insurance Company Review (2024)
- American Republic Corp Insurance Company Review (2024)
- American Progressive Life & Health Insurance Company of New York Review (2024)
- Ambac Assurance Corporation Review (2024)
- Amalgamated Life Insurance Company Review (2024)
- American Family Connect Insurance Company Review (2024)
- Allianz Life Insurance Company of North America Review (2024)
- American Equity Investment Life Insurance Company Review (2024)
- American Equity Insurance Company Review (2024)
- AIU Insurance Company Review (2024)
- Agent Alliance Insurance Company Review (2024)
- Affirmative Direct Insurance Company Review (2024)
- Affiliated FM Insurance Company Review (2024)
- Aetna Health and Life Insurance Company Review (2024)
- Accident Fund Insurance Company of America Review (2024)
- 5 Star Life Insurance Company Review (2024)
- 4 Ever Life Insurance Company Review (2024)
- Trm Specialty Insurance Company Review (2024)
- The Penn Mutual Life Insurance Company Review (2024)
- The Penn Insurance and Annuity Company Review (2024)
- The Paul Revere Life Insurance Company Review (2024)
- The Ohio State Life Insurance Company Review (2024)
- State Mutual Insurance Company Review (2024)
- James River Insurance Company Review (2024)
- Every Life Insurance Company Review (2024)
- 1891 Financial Life Review (2024)
- West Coast Life Insurance Company: Customer Ratings & Reviews [2024]
- Medco Containment Life Insurance Company: Customer Ratings & Reviews [2024]
- Garden State Life Insurance Company: Customer Ratings & Reviews [2024]
- Unity Financial Life Insurance Company: Customer Ratings & Reviews [2024]
- Unity Mutual Life Insurance Company: Customer Ratings & Reviews [2024]
- United Life Insurance Review [2024]
- State Farm Life Insurance Review [2024]
- Wilco Life Insurance Company Review [2024]
- Gerber Life Grow-Up Plan Insurance Review [2024]
- Colonial Penn Life Insurance Review [2024]
- Cincinnati Financial Life Insurance Review [2024]
- Allstate Life Insurance Review [2024]
- Liberty Mutual Life Insurance Review [2024]
- Crown Life Insurance Company: Customer Ratings & Reviews [2024]
- Farmers New World Life Insurance Company: Customer Ratings & Reviews [2024]
- Sterling Life Insurance Company: Customer Ratings & Reviews [2024]
- Balboa Life Insurance Company: Customer Ratings & Reviews [2024]
- Christian Fidelity Life: Customer Ratings & Reviews [2024]
- Heartland National Life Insurance Company: Customer Ratings & Reviews [2024]
- Equitable Life and Casualty Insurance Company: Customer Ratings & Reviews [2024]
- Continental General Insurance Company: Customer Ratings & Reviews [2024]
- United Benefit Life Insurance Company: Customer Ratings & Reviews [2024]
- American Retirement Life Insurance Company: Customer Ratings & Reviews [2024]
- Loyal American Life Insurance Company: Customer Ratings & Reviews [2024]
- Central Reserve Life Insurance Company: Customer Ratings & Reviews [2024]
- First American Life Insurance Company: Customer Ratings & Reviews [2024]
- Texas International Life Insurance Company: Customer Ratings & Reviews [2024]
- Citizens National Life Insurance Company: Customer Ratings & Reviews [2024]
- Good Samaritan Life Insurance Company: Customer Ratings & Reviews [2024]
- Tower Life Insurance Company: Customer Ratings & Reviews [2024]
- First Continental Life & Accident Insurance Company: Customer Ratings & Reviews [2024]
- American Industries Life Insurance Company: Customer Ratings & Reviews [2024]
- Central United Life Insurance Company: Customer Ratings & Reviews [2024]
- Philadelphia American Life Insurance Company: Customer Ratings & Reviews [2024]
- Landmark Life Insurance Company: Customer Ratings & Reviews [2024]
- Family Life Insurance Company: Customer Ratings & Reviews [2024]
- Pioneer Security Life Insurance Company: Customer Ratings & Reviews [2024]
- Occidental Life Insurance Company of North Carolina: Customer Ratings & Reviews [2024]
- Sears Life Insurance company: Customer Ratings & Reviews [2024]
- Freedom Life Insurance Company of America: Customer Ratings & Reviews [2024]
- National Foundation Life Insurance Company: Customer Ratings & Reviews [2024]
- Jefferson Life Insurance Company: Customer Ratings & Reviews [2024]
- Liberty Bankers life insurance: Customer Ratings & Reviews [2024]
- Capitol Life Insurance Company: Customer Ratings & Reviews [2024]
- American Benefit Life Insurance Company: Customer Ratings & Reviews [2024]
- Champions Life Insurance Company: Customer Ratings & Reviews [2024]
- Western American Life Insurance Company: Customer Ratings & Reviews [2024]
- Liberty National Life Insurance Company: Customer Ratings & Reviews [2024]
- TJM Life Insurance Company: Customer Ratings & Reviews [2024]
- United World Life Insurance Company: Customer Ratings & Reviews [2024]
- Physicians Life Insurance Company: Customer Ratings & Reviews [2024]
- Unified Life Insurance Company: Customer Ratings & Reviews [2024]
- United Fidelity Life Insurance: Customer Ratings & Reviews [2024]
- Investors Life Insurance Company of North America: Customer Ratings & Reviews [2024]
- Great Southern Life Insurance Company: Customer Ratings & Reviews [2024]
- Centennial Life Insurance Company: Customer Ratings & Reviews [2024]
- Reliable Life Insurance Company: Customer Ratings & Reviews [2024]
- Universal Guaranty Life Insurance Company: Customer Ratings & Reviews [2024]
- Healthy Alliance Life Insurance Company: Customer Ratings & Reviews [2024]
- Perico Life Insurance Company: Customer Ratings & Reviews [2024]
- Country Life Insurance: Customer Ratings & Reviews [2024]
- Resource Life Insurance Company: Customer Ratings & Reviews [2024]
- Surety Life Insurance Company: Customer Ratings & Reviews [2024]
- American Memorial Life Insurance Company: Customer Ratings & Reviews [2024]
- Trustmark Life Insurance Company: Customer Ratings & Reviews [2024]
- American Medical Security Life Insurance Company: Customer Ratings & Reviews [2024]
- Monumental Life Insurance Company: Customer Ratings & Reviews [2024]
- Stonebridge Life Insurance Company: Customer Ratings & Reviews [2024]
- John Alden Life Insurance Company: Customer Ratings & Reviews [2024]
- Aviva Life and Annuity Company: Customer Ratings & Reviews [2024]
- First Penn-Pacific Life Insurance Company: Customer Ratings & Reviews [2024]
- Forethought Life Insurance Company: Customer Ratings & Reviews [2024]
- Ohio National Life Assurance Corporation: Customer Ratings & Reviews [2024]
- Manhattan National Life Insurance Company: Customer Ratings & Reviews [2024]
- Union Central Life Insurance Company: Customer Ratings & Reviews [2024]
- Provident Life and Accident Insurance Company: Customer Ratings & Reviews [2024]
- Continental Life Insurance Company of Brentwood, Tennessee: Customer Ratings & Reviews [2024]
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Company | Rank | See Pros/Cons | Multi-Policy Discount | Safe Lifestyle Discount | Best For |
---|---|---|---|---|---|
#1 | Prudential | Up to 10% | Up to 5% | Strong Financials | |
#2 | Guardian Life | Up to 15% | Up to 8% | Customer Service | |
#3 | State Farm | Up to 12% | Up to 7% | Diverse Policy | |
#4 | New York Life | Up to 8% | Up to 6% | Established Reputation | |
#5 | Northwestern Mutual | Up to 10% | Up to 5% | Dividend Payouts | |
#6 | MassMutual | Up to 15% | Up to 8% | Customer Ratings | |
#7 | USAA | Up to 10% | Up to 7% | Comprehensive Coverage | |
#8 | TransAmerica | Up to 10% | Up to 5% | Competitive Rates | |
#9 | Lincoln Financial Group | Up to 12% | Up to 6% | Innovative Policy | |
#10 | AIG | Up to 8% | Up to 4% | Global Presence |
Take a look at our guide to learn more about different types of life insurance coverage and what each of the top companies has to offer.
#1 – Prudential: Strong Financials
Prudential stands out as a top life insurance provider with strong financials, offering customizable policies for long-term financial protection.Ty Stewart Licensed Life Insurance Agent
Pros
- Up to 10% discount: Offers up to 10% discount on insurance policies, providing potential savings for customers.
- Up to 5% additional discount: Grants an additional discount of up to 5% for certain policyholders, enhancing affordability.
- Strong financials: Boasts robust financial stability, instilling confidence in policyholders about the company’s ability to fulfill claims.
Cons
- Limited discount range: Discounts offered may be lower compared to some competitors, potentially limiting savings opportunities.
- Complexity in qualification: Some customers may find it challenging to qualify for the highest discount rates, leading to confusion or frustration.
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#2 – Guardian Life: Customer Service
Pros
- Up to 15% discount: Provides up to 15% discount on insurance policies, offering substantial savings for policyholders.
- Up to 8% additional discount: Offers an additional discount of up to 8%, further enhancing affordability for customers.
- Focus on customer service: Known for exceptional customer service, ensuring a positive experience for policyholders.
Cons
- Higher premium costs: Despite discounts, premiums might still be relatively higher compared to some competitors, affecting affordability.
- Limited coverage options: Might not offer as diverse coverage options as some competitors, potentially limiting customization for customers.
Read more: Guardian Life Insurance Company of America Review
#3 – State Farm: Diverse Policy
Pros
- Up to 12% discount: Offers up to 12% discount on insurance policies, providing significant potential savings for customers.
- Up to 7% additional discount: Grants an additional discount of up to 7% for eligible policyholders, enhancing affordability.
- Diverse coverage options: Provides a wide range of coverage options tailored to various needs, ensuring comprehensive protection.
Cons
- Limited multi-policy discount: The multi-policy discount may not be as high compared to some competitors, potentially reducing overall savings for bundling policies.
- Potential premium costs: Despite discounts, premiums might still be relatively higher for certain coverage levels, affecting affordability for some customers.
Read more: State Farm Life Insurance Review
#4 – New York Life: Established Reputation
Pros
- Up to 8% discount: Offers up to 8% discount on insurance policies, providing potential savings for policyholders.
- Up to 6% additional discount: Provides an additional discount of up to 6% for qualifying policyholders, enhancing affordability.
- Established reputation: Known for its long-standing reputation in the industry, instilling trust and confidence in customers.
Cons
- Limited discount flexibility: Discount rates may not be as flexible or customizable compared to some competitors, potentially limiting savings options for certain policyholders.
- Complex underwriting process: The underwriting process may be more intricate or time-consuming compared to other insurance providers, possibly leading to delays in policy issuance.
Read more: New York Life Insurance Company Review
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#5 – Northwestern Mutual: Dividend Payouts
Pros
- Up to 10% discount: Offers up to 10% discount on insurance policies, providing potential savings for customers.
- Up to 5% additional discount: Grants an additional discount of up to 5% for qualifying policyholders, enhancing affordability.
- Dividend payouts: Known for its policyholders receiving dividends, providing potential additional returns on investments.
Cons
- Limited focus on certain demographics: Might not cater as extensively to certain demographics or niche markets compared to some competitors, potentially limiting options for specialized coverage.
- Higher premium costs: Despite discounts, premiums might still be relatively higher for certain coverage levels, impacting affordability for some customers.
#6 – MassMutual: Customer Ratings
Pros
- Up to 15% discount: Offers up to 15% discount on insurance policies, providing substantial potential savings for customers.
- Up to 8% additional discount: Provides an additional discount of up to 8% for qualifying policyholders, enhancing affordability.
- Positive customer ratings: Boasts high customer satisfaction ratings, reflecting the company’s commitment to excellent service.
Cons
- Limited discount eligibility: Some customers may find it challenging to qualify for the highest discount rates, potentially reducing overall savings opportunities.
- Complex policy options: The range of policy options offered may be complex or overwhelming for some customers, leading to confusion during the selection process.
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Understanding Life Insurance Coverage Rates
When it comes to life insurance coverage rates, understanding the costs associated with different policies is crucial. Each insurance company offers varying rates based on factors such as coverage type, policyholder’s age, health condition, and the chosen coverage amount. Let’s delve into the rates provided by some top life insurance companies.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Prudential | $33 | $86 |
Guardian Life | $39 | $105 |
State Farm | $61 | $160 |
New York Life | $68 | $174 |
Northwestern Mutual | $44 | $115 |
MassMutual | $53 | $139 |
USAA | $44 | $117 |
Transamerica | $32 | $86 |
Lincoln Financial Group | $22 | $59 |
AIG | $49 | $128 |
Compare the Top Life Insurance Companies
Here are the 12 best life insurance companies.
- Lincoln Financial
- Mutual of Omaha
- Pacific Life
- Protective
- Prudential
- AIG
- Equitable
- Nationwide
- Northwestern Mutual
- Penn Mutual
- Transamerica
- John Hancock
Depending on what you are looking for, one life insurance company may be a better fit for you and your needs. Here are some of the best life insurance companies and the best life and health insurance companies and what they offer.
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Top Life Insurance Coverage: Lincoln Financial Group
Lincoln Financial Group, named after Abraham Lincoln, was founded in 1905. Headquartered in Radnor, Pennsylvania, the company offers life insurance, annuities, retirement plan services, and workplace benefits in all 50 states and Washington, D.C. Here are the pros of Lincoln Financial Group Life Insurance:
- Offers term and permanent life insurance options
- Strong A.M. Best rating of “A”
- Term periods range from 10 to 30 years
- Life insurance is available in all 50 states and Washington, D.C.
- Mobile app
- Network of local life insurance agents
Read more: Progressive Northwestern Insurance Company: Customer Ratings & Reviews Here are the cons of Lincoln Financial Group Life Insurance:
- Online quotes are not available
- Applicants must work with a financial professional
- Whole life insurance only available through workplace plans
Online quotes for term life and permanent life insurance are not available, and the application process must be started with the assistance of a Lincoln Financial Group financial professional. You can learn more about Lincoln Financial Group life insurance by visiting the company website or using our free quote tool below to find a local agent near you. (For more information, read our “Best Term Life Insurance Companies“).
Top Life Insurance Coverage: Mutual of Omaha
Mutual of Omaha, formerly known as Mutual Benefit Health & Accident Association, was founded in 1909. Headquartered in Omaha, Nebraska, Mutual of Omaha offers life insurance in 48 states. In addition to life insurance, the company offers various insurances and services, including long-term care insurance, disability income insurance, annuities, and mortgages. Applicants can get term and whole life insurance quotes, but you must speak to an agent for universal life quotes. Once a policy is purchased, customers can access an online account and mobile app to manage their policies. Here are the pros of Mutual of Omaha life insurance:
- Offers term, whole, and universal life
- Offers accidental death insurance
- Superior A.M. Best rating of “A+”
- Online quotes available for term life and whole life insurance
- Mobile app
- Instant coverage is available depending on the applicant
- Term life coverage ranges from 10 to 30 years
- No-medical exam coverage may be available
Here are the cons of Mutual of Omaha life insurance:
- Online quotes not available for universal life insurance
- Death benefits and premiums cannot be adjusted for term life and whole life insurance policies
You can learn more about Mutual of Omaha life insurance by visiting the company website.
Top Life Insurance Coverage: Pacific Life
Pacific Life was founded in 1868 in Sacramento, California. It currently offers life insurance, annuities, and mutual funds. The company’s life insurance products, which include term life and universal life insurance, are available in all states except New York. Here are the pros of Pacific Life insurance:
- Offers term, universal, indexed universal, variable universal
- Superior A.M. Best rating of “A+”
- Customizable policies give policyholders access to riders offering additional benefits
- Life insurance products are available in 49 states
Here are the cons of Pacific Life insurance:
- Online quotes are not available
- Doesn’t offer whole life
- Mobile app cannot be used to manage life insurance policy
- Policies are not available in New York
Online quotes are not available, so applicants must contact a Pacific Life insurance agent to request a quote and start the application process. Unfortunately, life insurance policyholders cannot manage their policies through the mobile app. You can learn more about Pacific Life by visiting the company website.
Top Life Insurance Coverage: Protective
Protective Life Insurance Company was founded in 1907 and is headquartered in Nashville, Tennessee. Its life insurance offerings are term, whole, and universal life. Policyholders can purchase various riders, including disability income and waiver of premium riders. You can get term life insurance quotes online, but anyone interested in whole or universal life insurance must speak to an agent. There is no mobile app for quick, convenient management of your policy, but policyholders have access to their accounts online through the Protective website. Here are the pros of Protective life insurance:
- Offers term, whole life, and universal life insurance
- Online quotes are available for term life insurance
- Life insurance products are available in 49 states
- Term life periods range from 10 to 40 years
- Term policies are convertible and renewable
- Terminal illness riders are available in certain states
- SuperiorA.M. Best rating of “A+”
Here are the cons of Protective life insurance:
- Online quotes are not available for whole life or universal life insurance
- Life insurance products not available in New York
- Premium increase when you renew your term life insurance policy
- Term life and whole life death benefits cannot be adjusted.
- No mobile app
You can learn more about Protective life insurance by visiting the company website or using our free quote tool below to find a local agent near you. Read more:
Read more: Protective Life Insurance Company Review
Top Life Insurance Coverage: Prudential
Prudential is the third-largest life insurance provider in the country. It was founded in 1875 in Newark, New Jersey. The company offers term life and universal life insurance coverage, but whole life insurance is unavailable. Policies are customizable, so policyholders can choose between several riders to increase their coverage. Those interested in getting life insurance coverage immediately can take advantage of the no-medical exam life insurance. Here are the pros of Prudential life insurance:
- Offers term life and universal life insurance
- No medical exam insurance is an option
- Online quotes available for term life
- Various riders available, including disability riders and serious illness riders
- Superior A.M. Best rating of “A+”
- Mobile app
Here are the cons of Prudential life insurance:
- Does not offer whole life insurance
- Online quotes are not available for universal life insurance
- Life insurance rates increase when you renew your term life policy
- Term life death benefits cannot be adjusted
You can learn more about Prudential life insurance by visiting the company website or using our free quote tool below to find a local agent near you..
Top Life Insurance Coverage: AIG
Corebridge Financial, formerly known as AIG, was founded in 1995 and is headquartered in New York. The company’s life insurance offerings include term life, universal life, and many other policy options, such as final expense and accidental death insurance. Policyholders have their pick of riders to boost coverage, and term life insurance policies are renewable and convertible for those who want life insurance protection beyond their initial policy term. Here are the pros of AIG life insurance:
- Offers a variety of life insurance options, including term life, permanent life, and final expense.
- Offers no medical exam life insurance
- Strong A.M. Best rating of “A”
- Term life policies are renewable and convertible
- Various riders available
Here are the cons of AIG life insurance:
- Online quotes are not available
- Does not offer whole life
- Mobile not available to life insurance policyholders
You can learn more about AIG life insurance by visiting the company website or using our free quote tool below to find a local agent near you.
Top Life Insurance Coverage: Equitable
The Equitable Life Insurance Society of the United States was founded in 1859 and headquartered in New York. Available life insurance options include term life and permanent life, and policyholders can choose riders to add to their policies. Quotes are not available online, so applicants have to work with an Equitable life insurance agent when applying. Here are the pros of Equitable life insurance:
- Term life and permanent life insurance are offered
- Term periods range from one to 20 years
- No medical exam life insurance is an option
- Term life insurance is convertible and renewable
- Riders available to policyholders
- Strong A.M. Best rating of “A”
Here are the cons of Equitable life insurance:
- Longer term period of 25 or 30 years not available
- Online quotes are not available
You can learn more about Equitable life insurance by visiting the company website or using our free quote tool below to find a local agent near you.
Top Life Insurance Coverage: Nationwide
Headquartered in Columbus, Ohio, Nationwide offers term and permanent life insurance options, including whole, universal, and variable universal life. Depending on the type of life insurance policy you are interested in, you can request a quote and complete an online application or contact a Nationwide life insurance agent. Here are the pros of Nationwide life insurance:
- Offers term and permanent life insurance
- No-medical exam insurance may be available to certain applicants
- Superior A.M. Best rating of A+
- Multiple rider options
- Wide network of life insurance agents
- Mobile app allows you to manage your life insurance policy from your phone
- Term periods range from 10 to 30 years
- Term policies are renewable and convertible
- Term life insurance quotes can be requested online
Here are the cons of Nationwide life insurance:
- Online quotes and applications are limited to term life insurance
- Term policies are limited to applicants 70 years old or younger
- Premiums increase when you renew your term life insurance policy
- Term life death benefits cannot be adjusted
You can learn more about Nationwide life insurance by visiting the company website or using our free quote tool below to find a local agent near you.
Top Life Insurance Coverage: Northwestern Mutual
Northwestern Mutual was founded in 1857 in Janesville, Wisconsin. The company is now headquartered in Milwaukee, Wisconsin, and it offers term and permanent life insurance options through agents. Policyholders can access an online profile and mobile app to manage and view their policies. Riders are available for both term life and permanent life policies, but options are limited for term life insurance policyholders. Here are the pros of Northwestern Mutual life insurance:
- Offers term and permanent life insurance
- Policyholders have access to an online portal and mobile app
- Multiple rider options
- Wide network of local agents
- Customer service is available 24/7
- Superior A.M. Best rating of A++
- Certain policies offer flexible payments
- Whole life premium never increases
- Term policies are renewable and convertible
Here are the cons of Northwestern Mutual life insurance:
- Life insurance must be purchased through an agent.
- No online quotes or applications
- Rider options are limited for term policies
- Term periods are limited to one, 10, or 20 years
You can learn more about Northwestern Mutual life insurance by visiting the company website.
Top Life Insurance Coverage: Penn Mutual
Penn Mutual Life Insurance Company, or Penn Mutual, was founded in 1847 in Philadelphia. It offers term, whole, variable universal, indexed universal, and guaranteed universal life insurance nationwide. To request a quote or apply for life insurance, applicants must contact a Penn Mutual life agent. No mobile app is available, but policyholders have access to an online account where they can manage their life insurance policy. Here are the pros of Penn Mutual life insurance:
- Offers term, whole, variable universal, indexed universal, and guaranteed universal life insurance
- Superior A.M. Best rating of A+
- Term periods range from 10 to 30 years
- Variety of riders are available
- Certain term policies are convertible
Here are the cons of Penn Mutual life insurance:
- No online quotes
- No online application
- No mobile app
To learn more about Penn Mutual life insurance, you can visit the company website.
Top Life Insurance Coverage: Transamerica
Transamerica got its start in San Francisco in 1906 as a bank. Years later, the company now offers a variety of products and services, including term, whole, indexed universal, and final expense life insurance. Depending on the type of life insurance policy, customers must contact an agent for a quote and to complete an application. Here are the pros of Transamerica life insurance:
- Offers term, whole, indexed universal, and final expense life insurance
- Strong A.M. Best rating of “A”
- Term periods range from 10 to 30 years
- Medical exam may not be required for certain applicants
- Policyholders can add riders to policy
- Wide network of local life insurance agents
Here are the cons of Transamerica life insurance:
- No online quote for whole or indexed universal life insurance
- Mobile app does not allow policyholders to manage their life insurance policies
Further information on life insurance options from Transamerica is available on the company’s website.
Read more: Transamerica Life Insurance Company Review
Top Life Insurance Coverage: John Hancock
John Hancock, named after one of the Founding Fathers of the U.S., was founded in 1862 in Boston. Online quotes and applications are not available, so you must buy a term, universal, indexed universal, or variable universal life insurance policy through an agent. Policies are customizable, so in addition to picking the type, coverage limit, and term, policyholders can also add riders, depending on the policy type. Here are the pros of John Hancock life insurance:
- Offers term, universal, indexed universal, and variable universal life insurance
- John Hancock Vitality and Aspire offers savings and discounts on policyholder’s wellness purchases
- Term periods range from 10 to 30 years
- Riders make policies more customizable
- Superior A.M. Best rating of “A+”
Here are the cons of John Hancock life insurance:
- Does not offer whole life
- No online quotes
- A mobile app doesn’t allow policyholders to manage their policies
You can learn more about life insurance options from John Hancock by visiting the company’s website.
Top Life Insurance Coverage Explained
Life insurance is an agreement between a policyholder and a life insurance company. The policyholder agrees to pay an annual premium in exchange for a guaranteed payout issued to the designated beneficiary after they die. Policyholders have their choice of policy type, death benefit, riders, and term, if applicable. They are required to submit an application, which will be reviewed by the life insurance company. If the application is approved, coverage will last for a specified number of years or the policyholder’s entire life, depending on the type of policy. Life insurance can be used for the following:
- Debts
- Savings
- Probate
- Income replacement
- Inheritance
- Medical expenses
- Funeral expenses
- Charity donation
- State and federal death taxes
No one is required to purchase life insurance, but because it offers financial security after the policyholder dies, many people see it as a good investment.
Types of Life Insurance Policies
There are two main types of life insurance — permanent and term life. Under these categories of life insurance are additional types, including whole and universal.
Term Life Insurance
Term life insurance offers a temporary agreement between the policyholder and the life insurance company. The policyholder pays the annual premium in exchange for coverage of varying limits for a term of one, five, 10, 15, 20, 25, or 30 years. Pros of term life insurance include the following:
- Inexpensive
- Renewable
- Guaranteed insurability
- Convertible, depending on the life insurance company
- High coverage limit
Cons of term life insurance include the following:
- Short-term coverage
- No cash value
- Age limit impacts available terms
- Premium increases upon each renewal
- Medical exam may be required
Depending on your age when purchasing a term life insurance policy, only certain term lengths will be available. Term life is renewable, but policyholders may also have the option to convert their policy to permanent life insurance and get covered for the rest of their life rather than renew the policy for another term.
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Permanent Life Insurance
Permanent insurance offers a long-term agreement between the policyholder and the life insurance company. The policyholder pays the annual premium in exchange for coverage of varying limits that lasts their entire life. Unlike term life insurance, permanent life insurance comes with a savings account and uses a portion of your premium to build cash value over time. The two main forms of permanent life insurance are permanent, or whole, and universal. Whole life insurance is a type of permanent life insurance, so it offers lifelong coverage. The annual premium is fixed, but this type of policy is more expensive than term life insurance. Pros of whole life insurance include the following:
- Long-term coverage
- Builds cash value
- Fixed premium
- Option to withdraw cash or borrow against the policy
Cons of whole life insurance include the following:
- More expensive than term life insurance
- May not be available to individuals 75 years old or older
- Medical exam may be required
Thanks to the cash value component, policyholders can withdraw the cash or borrow against the policy and use the fund for financial obligations, such as medical bills. However, if you borrow against the policy and do not repay the loan or die before it is repaid, the amount will be deducted from the death benefit.
Universal Life Insurance
Universal life insurance is a type of permanent life insurance that offers similar features to whole life insurance, but the death benefit and premium are flexible. Additionally, the cash value can be used in one of three ways — to pay the premium, to borrow against the policy, or to receive it as a payout after surrendering the policy. Common universal life insurance policies are indexed universal life, variable universal life, and guaranteed universal life insurance. Here are the pros of universal life insurance:
- Long-term coverage
- Flexible premium
- Adjustable death benefit
- Option to use cash to pay premiums
- Option to borrow against the policy
- Option to surrender the policy and receive cash value as a payout
- Builds cash value
Here are the cons of universal life insurance:
- More expensive than term life insurance
- Medical exam may be required
- May not be available to individuals 75 years old or older
When applying for life insurance, you have a lot of options to choose from. Ultimately, your needs and budget will be the most important factors that influence your decision.
No-Exam Life Insurance
Both term life insurance and permanent life insurance may require the applicant to complete a health questionnaire and a medical exam, which gives the insurance company insight into their health. No-exam life insurance offers an expedited underwriting and approval process. Although the applicant won’t have to complete a medical exam, they may still be required to fill out a health questionnaire. Due to a medical exam not being needed, these policies are often more expensive than fully medically underwritten policies. Common types of no-exam life insurance include the following:
- Simplified issue life insurance: Simplified issue life insurance doesn’t require a medical exam, but applicants must complete a health questionnaire. (For more information, read our “What is a simplified issue life insurance policy?“).
- Guaranteed issue life insurance: Guaranteed issue life insurance doesn’t require a medical exam or health questionnaire, but there are age restrictions for applicants, the death benefit is low, and the payout may be partial depending on when you die. (For more information, read our “Top Guaranteed Issue Life Insurance Provider“).
Life insurance underwriting reviews the following information to assess the applicant’s risk and calculate the life insurance premium:
- Age
- Lifestyle
- Smoking status
- Gender
- Health
- Credit score
- Occupation
- Driving record
- Family medical history
- Type of insurance policy
- Coverage amount
Although similar information is used to determine life insurance premiums, rates will vary between companies.
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- Do riders increase the cost of life insurance?
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Case Studies: Top Life Insurance Coverage
Case Study 1: Sarah’s Story Sarah, a 35-year-old mother of two, was the primary breadwinner in her family. She understood the significance of life insurance and opted for a comprehensive term life insurance policy with a coverage amount of $1 million. Tragically, Sarah passed away unexpectedly due to a sudden illness. Thanks to her foresight in securing adequate life insurance coverage, her family received the full benefit amount. This payout helped her spouse pay off outstanding debts, cover funeral expenses, and provide ongoing financial support for their children’s education and daily living expenses.
Case Study 2: Michael’s Experience Michael, a 45-year-old business owner, had a successful company with several employees. He decided to purchase a key person insurance policy to protect his business in the event of his death. Unfortunately, Michael was involved in a fatal accident, and his sudden demise created a significant void within his organization. The key person insurance policy provided a substantial payout to the business, enabling it to cover financial obligations, find a suitable replacement, and maintain stability during the transition period.
Case Study 3: Anna’s Journey Anna, a 60-year-old retiree, had diligently saved for her retirement and wanted to leave a legacy for her grandchildren. She purchased a permanent life insurance policy with a cash value component. As Anna continued to pay premiums over the years, the policy’s cash value grew. When she turned 75, Anna decided to withdraw a portion of the accumulated cash value to fund her dream vacation. The policy allowed her to access these funds without affecting the death benefit, ensuring that her beneficiaries would still receive a substantial payout upon her passing.
Case Study 4: David’s Protection David, a 30-year-old newly married individual, recognized the importance of providing financial protection for his spouse in case of his premature death. He opted for a joint life insurance policy, which covered both him and his wife under a single policy. Tragically, David passed away in an accident. The joint life insurance policy paid out the death benefit, providing his grieving wife with the necessary funds to cover the mortgage, monthly bills, and other financial obligations during this difficult time.
Read more: Top Life Insurance Provider for Married Couples
Top Life Insurance Coverage: The Bottom Line
The best life insurance policy for you will depend on your needs. Both term life and whole life insurance offer great coverage, but it depends on your life insurance needs. If you prefer short-term coverage that is affordable and offers high coverage limits, term life insurance may be a good fit. But if you want long-term coverage with a fixed premium and cash value, whole life is the better option.
Frequently Asked Questions
What are the different types of insurance?
insurance is separated into two different categories: term insurance and permanent insurance.
What is the most popular type of insurance coverage?
Term insurance is the most popular type of coverage because of its affordable rates and short-term policy options.
What is the best coverage amount for insurance?
You can determine how much insurance you need by multiplying your annual salary by 10.
Which insurance company is best for top insurance coverage?
Mutual of Omaha and Lincoln Financial are two of the largest and most popular insurance companies in the country. However, insurance rates vary based on age and gender, so compare insurance quotes from multiple companies near you to get the best coverage.
What is the difference between a insurance beneficiary and a policyholder?
The beneficiary is the individual or entity that receives the death benefit when the insured dies, while the policyholder is the individual who applied for and purchased the insurance policy.
What is a death benefit?
The death benefit is the payout the beneficiary receives after the insured dies.
What is cash value in insurance?
The cash value of insurance is money taken from your premium and set aside in a savings account, which builds through interest or investments.
How long do you have to claim insurance?
State laws dictate how long an individual has to claim insurance benefits, but an agent or customer service representative from the insurance company should be able to assist.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
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