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In the event of a tragedy, a good life insurance policy can protect loved ones who depend on you financially. An insurance policy can’t replace you, but at least your family will have a financial safety net.
Choosing the right company will require you to balance several different factors, such as the financial stability of the company you choose, your current financial obligations and the amount of coverage you want, among others. When making your decision, compare life insurance quotes from reputable life insurance companies to get a complete picture of all the options available to you.
To make sure you choose the right company for you and your needs, you’ll want an insurance company with the greatest possible financial stability. The company should be one that you believe will last for decades – if the company doesn’t at least outlive you, then your life insurance policy won’t be worth much.
In addition, the best life insurance companies offer services and features that allow you to create a policy that will meet your needs now and in the future. It’s also very important to choose an insurance company with a reputation for excellent customer service so that if something does go wrong, you can count on them to fix it quickly and with minimal hassle.
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With that in mind, start analyzing all the major life insurance companies and rank them with a single multi-point score. The result is a positive score—a number that gives you an easy way to see which company is best for you before you buy a policy. This scoring system makes it easy for you to find the right company and purchase the right policy, both for you and those who rely on you for financial support.
Positive scores are calculated by analyzing various factors that reflect the quality, reliability and health of the insurance company. Inputs to the results include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s and Fitch; JD power; Consumer Reports customer satisfaction survey; Mobile application reviews; and user reviews of companies. Data scientists took these variables, measured them, and combined them into one easy-to-understand numerical score for each company.
Makes it easy for you to choose the right life insurance company for you by taking into account your individual needs and showing you a personalized list of life insurance offers from leading life insurance companies.
After analyzing the data, we found that these 10 life insurance companies stand out for consistently providing excellent policy options, reliable customer service, financial strength and stability over time. Buying a life insurance policy from one of these 10 companies will help ensure that your policy will be there if your family needs to use it. It also guarantees that the company will assist your family members in the process of applying for and receiving the death benefit, which is a payout from a life insurance policy.
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Product Highlights: State Farm sells a permanent, comprehensive and universal life policy. It is possible to submit and submit a claim online through the company’s website. The site also has a calculator to help you figure out how much and what type of life insurance policy to get.
Policy and Rider Options: State Farm has a number of options and riders available, depending on the type of life insurance policy you are looking for. For example, a life insurance policyholder can get mortgage life insurance that will pay off a home mortgage. And universal life policyholders can have riders that provide flexible care benefits, child cover and other benefits.
Product Highlights: MassMutual is a co-insurance company. This means that the company is owned by its policyholders, and its purpose is to provide them with insurance, not profit. As a result, mutual insurance companies can offer lower rates than standard insurance companies. The company sells term, whole and universal life policies.
Policy and Driver Options: MassMutual offers a variety of basic types of insurance policies. For example, the term comes in a standard form and the company calls it MassMutual Direct Term; the latter is designed for customers who need instant approval.
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Product Highlights: Another co-insurance company, Guardian Life offers term, whole and universal life insurance. The company has an online program called the Living Balance Sheet that you can use to track your income and expenses and calculate the coverage you may need.
Policy and rider options: Guardian Life offers a range of permanent life insurance policies, which allow policyholders to invest their money in certain stocks. Policyholders can also select riders that add disability or critical care coverage, among other available options, to a permanent life insurance policy.
Product highlights: National offers term, whole and universal life insurance. There is also a variable insurance option for permanent policies. The company sells an indexed version of universal life insurance; this is a fixed policy and not really invested in stocks, but some of their interest is tied to stock indexes like the S&P 500.
Policy and Rider Options: Nationwide life insurance policies include several rider options, such as accidental death benefit, term child insurance, and waiver of rider premium (options vary by policy type).
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Number of customers/policies: New York Life is the third largest insurance company in the US, according to Fortune magazine.
Product Highlights: New York Life is a co-insurance company. The company offers term and whole life insurance policies.
Policy and rider options: In addition to standard whole life insurance, New York Life sells Custom Whole Life (with a fixed premium for a fixed period of time determined by the policyholder) and Value Whole Life (with a longer premium payment schedule but lower payouts). Available riders include chronic care, living allowance and accident benefit options.
Featured Products: Prudential offers term and universal life insurance policies. Universal policies come in fixed, indexed and variable versions.
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Policies and Rider Options: Prudential has a myriad of rider options available, including disability, illness and estate planning in various forms.
Product Highlights: True to its name, Penn Mutual is a co-insurance company. It offers term, whole and universal life policies. Universal life comes in standard, indexed and variable versions.
Policies and rider options: Penn Mutual has riders for accidental death benefits, children’s term insurance and disability waivers, among others.
Featured Products: Pacific Life offers term and universal life insurance policies. Universal life comes in standard, indexed and variable versions.
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Rider Policies and Options: Pacific Life has riders for term insurance for children, terminal illness and disability waivers, among others.
Featured Products: Principal Financial offers term and universal life insurance policies. Universal life comes in fixed and variable versions.
Rider policies and options: Principal Financial has riders for disability, child insurance and chronic illness benefits, among others.
Product Highlights: Mutual of Omaha offers a universal life insurance policy. Universal life comes in fixed and variable versions.
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Policy and Rider Options: Mutual of Omaha has accelerated life or death riders and offers flexible premiums.
This list of the best life insurance companies is a great starting point for finding the right insurance company for you. While these companies represent the best in the game today, you should do your best to check which one is best for your needs and lifestyle.
Be sure to compare life insurance policies, companies and costs at . With , you can find the right company for your needs in minutes.
Once you’ve chosen a life insurance provider, it’s time to decide what type of policy will work best for you. With a few exceptions, most life insurance policies fall into four categories: whole life, whole life, universal life, and variable life. The last three options are also sometimes classified as permanent life insurance.
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Life insurance policies cover you for a predetermined period of time (usually 1, 5, 10 or 20 years). Term life insurance is a good option for policyholders under the age of 50 who only need basic, affordable coverage.
If you know you need life insurance but aren’t sure what type of insurance, term life insurance may be your best option.
As the only form of temporary life insurance, whole life insurance gives you protection
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