Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jan 31, 2022

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The Lowdown

  • A U.S. insurance providers list is helpful if you want to compare quotes and do research on many different insurance companies at once
  • As you compare life insurance companies, be on the lookout for company ratings and reviews online
  • Be sure to compare life insurance quotes when you do your research so you end up with the most affordable insurance coverage you can find

If you’ve spent much time shopping for insurance coverage, you know it can be tricky to figure out which companies offer the coverage you want, which companies are the most affordable, and which company would ultimately be the best to meet your needs.

Whether you’re looking for car insurance, home insurance, life insurance, or another type of coverage, it can be helpful to find a comprehensive insurance providers list to aid in your search for insurance coverage. There are so many life insurance companies in the U.S. that it’s helpful to have a list to use when you’re shopping for coverage.

Check out our insurance providers lists below based on different insurance coverages, and be sure to shop around for coverage online to find what would work best for you and fit your budget. Shopping and comparing insurance quotes online will help you make sure you don’t end up paying too much for insurance coverage.

You can use our free quote tool above to compare quotes from different insurance companies that provide many types of insurance products. 

What are the top 20 life insurance companies?

If you are shopping for life insurance, it’s important to do your own research in the process. Regardless of what other people think, you will want to know that you trust the company you’ve chosen and that the policy you have and the agents you work with meet your needs.

It can also be very helpful to have a list of some of the best life insurance companies in the U.S. to make sure that you’re on the right track when you’re shopping for insurance coverage online. While this type of list does not necessarily mean these companies would be best for you, it might offer you peace of mind when you’re doing the hard work of finding a policy.

The top 20 life insurance companies in the U.S. include:

  1. Haven Life
  2. Bestow
  3. New York Life
  4. Northwestern Mutual
  5. Lincoln Financial
  6. John Hancock
  7. AIG
  8. State Farm
  9. Nationwide
  10. Banner Life
  11. Mutual of Omaha
  12. Prudential
  13. MassMutual
  14. Transamerica
  15. Guardian Life
  16. Primerica
  17. Midland National
  18. Penn Mutual
  19. Securian Financial
  20. USAA Life

While there are countless other life insurance companies doing business in the U.S., the companies listed above have proven their value again and again through coverage options, life insurance rates, customer service, and financial strength.

Each of the companies listed above is unique. While Haven Life sits high on the list, the company only offers term life insurance options to its clients, whereas Prudential Life Insurance offers a variety of term and permanent policies but often has higher rates than its competitors.

With the list above, it may be tempting to think of the top 10 life insurance companies as set apart from the rest of the companies on the list, but you should still consider other companies listed — or life insurance companies you’re interested in that did not make the list — before you make any final decisions on coverage.

As you shop for life insurance coverage, you need to take into account the company’s overall standings, the products available with the company, and the company’s ratings and reviews online. You will also want to take the time to compare life insurance quotes with plenty of other companies to make sure you don’t overpay for coverage.

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What are the worst U.S. life insurance companies?

Just as the list above truly depends on who you ask, a list of the worst U.S. life insurance companies can be influenced by a number of subjective factors. That being said, there are some life insurance companies in the U.S. that are somewhat known for bad customer service and a mismanaging of insurance claims.

Some of the worst life insurance companies in the U.S. include:

  • Unum
  • Conseco
  • WellPoint
  • UnitedHealth
  • Torchmark
  • Anthem
  • Global Life

Before you decide which company you want to do business with, be sure to do your research online to see whether that company has good ratings from companies like A.M. Best and the Better Business Bureau. And you should also read some customer reviews and complaints to know just how life insurance policies are being handled. 

How can I find life insurance that works for me?

The first thing you’ll need to do is decide whether you are searching for a term or a whole life insurance policy. Once you decide on the type of policy you want, you’ll want to decide on the amount of coverage that would work for you. Making these decisions will require that you factor in your living situation, your family members, your debt and overall expenses, and more.

The table below shows average monthly term life insurance rates based on age and gender.

Average Monthly Term Life Insurance Rates for Non-Smokers by Age – $100,000 / 10-Year Term

Non-Smoker Age & GenderPrudentialLincoln NationalMassMutualAegon/
Transamerica
John HancockState FarmMinnesota Life
25-Year-Old Female$12.25$9.46$8.36$9.89$8.78$12.44$7.04
25-Year-Old Male$13.83$9.46$9.23$11.27$9.64$14.27$7.37
30-Year-Old Female$12.25$9.46$8.53$9.72$8.78$13.14$7.04
30-Year-Old Male$13.92$9.46$9.23$10.06$9.64$14.70$7.37
35-Year-Old Female$12.25$9.56$8.88$10.66$8.78$14.44$7.15
35-Year-Old Male$13.92$9.56$9.31$11.09$9.64$15.23$7.48
40-Year-Old Female$13.30$9.94$10.10$12.47$9.45$15.49$8.14
40-Year-Old Male$15.67$10.61$10.53$13.33$10.63$16.36$8.25
45-Year-Old Female$16.28$12.69$11.58$14.02$11.54$20.71$10.01
45-Year-Old Male$17.68$14.53$12.97$15.65$13.10$20.79$11.00
50-Year-Old Female$21.27$15.95$14.62$17.46$14.80$23.49$12.65
50-Year-Old Male$21.88$20.74$16.97$20.21$15.81$26.54$14.74
55-Year-Old Female$23.80$21.50$20.28$25.89$19.58$29.67N/A
55-Year-Old Male$28.18$27.66$24.10$30.10$22.44$34.45N/A
60-Year-Old Female$29.49$29.84$28.19$36.98$27.30$40.98N/A
60-Year-Old Male$37.72$39.03$35.50$42.66$35.15$51.50N/A
65-Year-Old Female$41.13N/A$42.64$59.94$37.74$59.51N/A
65-Year-Old Male$58.45N/A$61.68$71.29$55.74$83.09N/A

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As you can see, life insurance rates for term life coverage vary based on age and gender, and there are countless other factors that influence insurance rates as well. The same holds true for whole life insurance policies, which is why it is so important to shop around for life insurance coverage to compare quotes.

Shopping around for coverage will help you know for sure you have found the policy that works best for you while avoiding paying too much for coverage.

Be sure to use our free quote tool below to find and compare life insurance rates from top companies in your area today.