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Tanveen Vohra is an editorial director specializing in property and casualty insurance writing. Through her work, Tanveen helps consumers better understand the aspects of their insurance policies so they can make more informed purchasing decisions. Tanveen’s work has been cited in CNBC, Fox Business, Business Insider, Fortune and Market Watch, among others.
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If disaster strikes, good life insurance 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 your desired sum insured, among others. When making your decision, be sure to compare life insurance quotes from leading 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 need an insurance company that is as financially stable as possible. The company needs to be one that you can be sure will last for decades – if the company doesn’t outlive you, then your life insurance won’t be worth much.
In addition, the best life insurers offer services and resources that allow you to build a policy to meet your needs now and in the future. It’s also very important to choose an insurer that has 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 effort.
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With that in mind, review all the major life insurance companies and rank them using a single, multi-point rating. The result is the correct score—a number that provides an easy way to see which companies are the best fit for you before you buy a policy. This ranking system makes it easier for you to find the right company and purchase the right policy, both for you and those who rely on you for financial assistance.
The final score is calculated by looking at various factors that reflect the quality, reliability and integrity of an insurance company. Entries for the score include A.M. Best, Standard & Poor’s, Moody’s and Fitch; J. D. power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated business reviews. The company’s data scientists took these variables, weighted them, and combined them into a single, easy-to-understand numerical score for each company.
Makes it easy for you to choose the right life insurance company for you, taking into account your personal needs, and shows you a list of customized life insurance offers from leading life insurance companies.
After analyzing the data, we found that these 10 life insurance companies stood out for consistently providing excellent policy options, reliable customer service, financial strength and stability over time. Buying life insurance from one of these 10 companies will help ensure your coverage is there if your family needs to use it. It also ensures that the company will help your family members apply for and receive a death benefit, which is a life insurance payment.
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Product Highlights: State Farm sells term, universal, and comprehensive life insurance policies. You can apply and submit complaints online through the company’s website. The site also has calculators to help figure out how much and what type of life insurance policy to get.
Policy and Rider Options: State Farm has several options and riders available, depending on the type of life insurance you’re looking for. For example, policyholders can get mortgage insurance that pays off the mortgage. And universal life policyholders can have riders that offer flexible childcare benefits, childcare and other benefits.
Product Highlights: MassMutual is a mutual insurer. This means that the company is owned by policyholders and its purpose is to provide them with insurance and not profit. As a result, mutual insurance companies can offer lower rates than regular insurance companies. The company sells term, full and comprehensive life insurance policies.
Policy and rider options: MassMutual offers several types of basic types of insurance. For example, the expiration date comes in both standard form and in what the company calls MassMutual Direct Term; the latter is designed for customers who need instant approval.
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Product Highlights: Another mutual insurer, Guardian Life offers term, comprehensive and comprehensive life insurance. The company has an online program called Living Balance Sheet that you can use to track your income and expenses and figure out how much insurance you might need.
Policy and rider options: Guardian Life offers variable permanent life insurance policies that allow the policyholder to invest in certain stocks. Policyholders can also choose riders that add disability or urgent care, among other options, to permanent life policies.
Product Highlights: Nationwide offers term, comprehensive and comprehensive life insurance. There is also a variable insurance option for permanent insurance. The company sells an indexed version of universal life insurance; these are fixed strategies and are not actually stock investors, but some of their interest is tied to a stock index such as the S&P 500.
Policy and Passenger Options: Nationwide life insurance policies include several passenger options such as accidental death benefit, child term insurance and pilot premium waiver (options vary by policy type).
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Number of customers/policies: New York Life is the third largest insurer in the United States, according to Fortune Magazine.
Product Highlights: New York Life is a mutual insurer. The company offers long-term and whole life insurance.
Policy and rider options: In addition to traditional whole life policies, New York Life sells Custom Whole Life (with fixed premiums for a period determined by the policyholder) and Value Whole Life (with a longer premium payment schedule, but lower payments). Passengers available include long-term care, living expenses and accident benefits.
Product Highlights: Prudential offers term and comprehensive life insurance policies. Comprehensive policies come in fixed, indexed and variable versions.
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Policies and Passenger Options: Prudential offers numerous passenger options, including disability, illness and estate plans in various forms.
Product Highlights: As the name suggests, Penn Mutual is a mutual insurance company. It offers a term, integral and comprehensive life policy. Universal Life comes in standard, indexed and variable versions.
Policy and Rider Options: Penn Mutual has riders for accidental death benefits, child term insurance, and disability waivers, among others.
Product Highlights: Pacific Life offers term and comprehensive life insurance policies. Universal Life comes in standard, indexed and variable versions.
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Policy Options and Riders: Pacific Life has riders for childhood, terminal illness and disability insurance, among others.
Product Highlights: Principal Financial offers term and universal life insurance policies. Universal life comes in fixed and variable versions.
Options and benefits: Principal Financial has disability benefits, child insurance and chronic illness benefits.
Product Highlights: Mutual of Omaha offers both whole and comprehensive life insurance policies. Universal life comes in fixed and variable versions.
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Policy and Rider Options: Mutual of Omaha has riders for life or death expedited benefits and offers flexible premiums.
This list of the best life insurers is a great starting point to find the right insurance company for you. While these companies are the best in the game right now, you should do your due diligence and see which one fits your needs and lifestyle.
Be sure to compare life insurance companies and costs in . With , you can find the right company for your needs within minutes.
Once you’ve chosen a life insurance provider, it’s time to decide which type of policy is right for you. With a few exceptions, most life insurance policies fall into four categories: term, whole life, universal life, and variable life. The last three options are also sometimes grouped under the permanent life insurance category.
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Life insurance protects you for a predetermined period of time (usually 1, 5, 10 or 20 years). Life insurance is a good option for policyholders under the age of 50 who only need basic coverage at an affordable price.
If you know you need life insurance but aren’t sure what type to get, term life insurance is probably your best bet.
As the only transitional form of life insurance, term life offers protection for you
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