Many companies featured on Money advertise with us. Opinions are our own, but compensation and
in-depth research determine where and how companies may appear. Learn more about how we make money.

By Ana Reina and Norma Rodríguez
Updated: December 3, 2021 3:53 PM ET | Originally published: December 1, 2021
Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Best No-Exam Insurance
Best for Policy CustomizationBest for Term Life InsuranceBest Comparison Tool and BrokerBest for Diverse Age Groups
BestowNorthwestern MutualHaven LifePolicygeniusEthos
Our PartnerOur PartnerOur PartnerOur Partner
Term Policies

10-year, 15-year, 20-year, 25-year, 30-year

10-year, 20-year, or up to age 80

10-year, 15-year, 20-year, 25-year, 30-year

Depends on the insurer

10, 15, 20, 30 years

Coverage

$50,000-$1.5 million

Info not available

$100,000-$3 million

Depends on the insurer

$20,000 to $1.5 million

Best No-Exam Insurance
Bestow
Our Partner
View Rates
Term Policies

10-year, 15-year, 20-year, 25-year, 30-year

Coverage

$50,000-$1.5 million

Best for Policy Customization
Northwestern Mutual
View Rates
Term Policies

10-year, 20-year, or up to age 80

Coverage

Info not available

Best for Term Life Insurance
Haven Life
Our Partner
View Rates
Term Policies

10-year, 15-year, 20-year, 25-year, 30-year

Coverage

$100,000-$3 million

Best Comparison Tool and Broker
Policygenius
Our Partner
View Rates
Term Policies

Depends on the insurer

Coverage

Depends on the insurer

Best for Diverse Age Groups
Ethos
Our Partner
View Rates
Term Policies

10, 15, 20, 30 years

Coverage

$20,000 to $1.5 million

If you’re the main provider for your family or are worried about their financial future if you were to pass, a life insurance policy can provide peace of mind. Life insurance can help your family cover final expenses, education fees, loss of income, or any other financial need. Below, you’ll find our selection for the best life insurance companies of December 2021. Learn all about coverage options, including different types of policies and premiums.

Our Top Picks for Best Life Insurance Companies

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
With a Life Insurance policy you can take care of your family the right way.
Should anything happen to you, you'll want to leave your loved ones a financial nest egg for their wellbeing. Click on your state to find out more.
HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas
Free Quote

Best Life Insurance Companies Reviews

Pros
  • No-exam underwriting
  • Offers 10-, 15-, 20-, 25-, and 30-year terms for no-exam policies
  • No waiting period
  • Fast quotes
  • 100% online application
Cons
  • Won't cover applicants over the age of 59
  • 20-year term not available to applicants over 45
  • Not available in New York
Term Coverage
10-, 15-, 20-, 25-, 30- year term
Death benefit
$50,000-$1.5 million
Term Coverage
10-, 15-, 20-, 25-, 30- year term
Death benefit
$50,000-$1.5 million
Term Coverage
10-, 15-, 20-, 25-, 30- year term
Death benefit
$50,000-$1.5 million

Bestow is the best option for no-exam life insurance for reasons that include its speed and convenience in issuing policies. Its application process is fully online and uses your identifying information and questions about your medical history, hobbies and lifestyle to help determine your premiums. You can obtain a quote, purchase insurance, and obtain coverage on the same day without any physical paperwork.

Its policies are issued by top-rated insurer North American Company for Life and Health Insurance. The company also offers a comprehensive library of helpful information.

Why we chose this company

Bestow is designed for those who particularly value a quick application process, with rapid decisions on coverage without the need for a medical exam. (If you're not clear on what life insurance without a medical examination is, read What Is No-exam Life Insurance for more details.)

Pros
  • High customer satisfaction
  • Term and whole life policies can be laddered together
  • Two term life options: annual renewable and level premium
  • Online access to financial advisors
Cons
  • Less detail on the website than for many other insurers
Term Coverage
10-, 20-, or up to 80-year term
Death Benefit
Not available on the website
Term Coverage
10-, 20-, or up to 80-year term
Death Benefit
Not available on the website
Term Coverage
10-, 20-, or up to 80-year term
Death Benefit
Not available on the website

Though it could list its insurance policies more clearly, Northwestern Mutual offers a broad range of life insurance options, including term, whole, universal and variable universal life insurance. It also offers both types of term life insurance premiums: annual renewable and level-premium. The annual renewable type offers an initial low premium that increases with each annual renewal, while level premium ones maintain the same premium throughout the term.

With its CompLife and Whole Life Plus policies, Northwestern also offers policies that incorporate what's known as a laddering strategy. With this approach, a portion of the coverage you buy is term life insurance while the rest is of the whole life variety. This is an excellent strategy for those who may have both short- and long-term insurance needs.

Like its competitors, Northwestern offers riders to customize your policy, including those for Additional Purchases and Waivers of Premium.

Why we chose this company

Few life insurers can match Northwestern Mutual for its combination of exceptional customer service and financial stability, as measured by third-party ratings. The company holds the highest possible financial strength ratings from AM Best (A++ or Superior), Moody’s (Aaa), and Fitch (AAA). It's also among the very highest rated insurers in the latest J.D. Power Life Insurance Customer Satisfaction ranking, and has very few complaints registered with various insurance agencies.

Pros
  • Offers two types of term policies: Haven Term and Simplified Issue
  • Haven Simplified Issue doesn't require a medical exam
  • Up to $3 million in term coverage
  • Haven Term includes Haven Plus with perks and discounts
Cons
  • Simplified issue policy not available in CA, DE, SD, ND or NY
  • Haven Plus not available in FL, NY, ND, SD, and WA
Term Coverage
10-, 15-, 20-, 25- or 30-year
Death benefit
$100,000 to $3 million
Term Coverage
10-, 15-, 20-, 25- or 30-year
Death benefit
$100,000 to $3 million
Term Coverage
10-, 15-, 20-, 25- or 30-year
Death benefit
$100,000 to $3 million

Haven Life is our choice for the best term insurance coverage because of its impressive array (10-, 15-, 20-, 25- and 30-year) of policy terms, along with coverage amounts that range widely, from $100,000 to $3 million.

Haven Life offers two types of term life insurance policies: Haven Term and Haven Simple. Haven Term includes Haven Life Plus, a rider that provides access to an individual or couple’s trust, will or guardian plan. Life Plus also provides subscriptions to a fitness app, sleep tracking app and an online vault in which you can save documents.

Applicants aged between 20 and 59 can get coverage amounts up to $3 million, while those between 60 and 64 can be insured for up to $1 million with Haven Term. Haven Simple is only available for applicants aged 20-55 and includes the Accelerated Death Benefit rider.

Why we chose this company

Haven Life provides diverse and wide-ranging coverage, including term policies that require no medical exam. Its Haven Plus term policies come with free perks to policyholders, including a state-specific and legally valid digital wills, as well as subscriptions to a fitness app and an online vault to store important documents digitally. Note, however, some or all of its coverage options are unavailable in certain major states.

Pros
  • Quick and easy comparison of several policies through an online form
  • One-stop-shop for multiple insurers
  • Create a will or trust using attorney-approved tools
Cons
  • Online quotes are not available for all providers
  • Takes more time than some other options to get a final price
Term coverage
Depends on the company
Death benefit
Depends on the company
Term coverage
Depends on the company
Death benefit
Depends on the company
Term coverage
Depends on the company
Death benefit
Depends on the company

Policygenius takes the top spot as the best comparison tool and broker for its satisfying provision of one-stop shopping from a range of insurers. Policygenius’s partners include AIG, Banner Life, Brighthouse, John Hancock, Lincoln Financial, Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI and Transamerica.

This online marketplace also offers an extensive library of educational resources for those with different life insurance needs, including recommendations for life insurance for people who suffer from depression and diabetes. This, coupled with its broad range of coverage options such as term or permanent coverage policies, make Policygenius a standout option for comparing life insurance quotes.

Why we chose this company

Policygenius offers one-stop access to policies from a wide range of partners. And unlike some other comparison sites, this one pledges not to sell your information to third parties.

Pros
  • Offers a wide range of underwriting, to accommodate diverse customers
  • 100% online application
  • No medical exam required for most policies of under $1,000,000
Cons
  • Doesn't offer many policy options
  • Limited rider options
Term coverage
10-, 15-, 20-, 25-, 30- year term
Death benefit
$20,000 to $1.5 million
Term coverage
10-, 15-, 20-, 25-, 30- year term
Death benefit
$20,000 to $1.5 million
Term coverage
10-, 15-, 20-, 25-, 30- year term
Death benefit
$20,000 to $1.5 million

Ethos is our choice for best for accommodating diverse ages thanks to its three types of underwriting: simplified issue, guaranteed issue, and fully underwritten. Their simplified issue policies require you to answer some medical questions but not to submit to a medical exam. Guaranteed issue policies don't require medical exams or any information about medical conditions, and fully underwritten policies require both a medical exam and disclosure of the applicant’s medical history. Ethos uses simplified issue and fully underwritten methodology for its term policies, and the company uses guaranteed issue underwriting for its whole life insurance policies.

The company also offers a guaranteed issue whole life insurance policy for people between the ages of 65 and 85 underwritten by AAA Life. Applicants can obtain instant approval for coverage amounts between $10k-$25k, regardless of their medical history.

Why we chose this company

Ethos accommodates a wide range of potential applicants, in part through its use of three types of underwriting: simplified issue, guaranteed issue, and fully underwritten.

Also, the company allows prospective customers to apply for coverage and receive a quote within minutes, without need of talking to an insurance agent.

Pros
  • Policies start at $5/mo
  • Up to $3 million in coverage
  • No policy, processing or cancellation fees
  • Coverage can be increased or decreased online
  • Option to adjust your policy by "laddering"
Cons
  • Only offers term coverage
  • No riders for term policies
  • Only insures people aged 20 to 60
Term Coverage
10-, 15-, 20-, 25-, 30- year term
Death benefit
$100,000 to $3 million
Term Coverage
10-, 15-, 20-, 25-, 30- year term
Death benefit
$100,000 to $3 million
Term Coverage
10-, 15-, 20-, 25-, 30- year term
Death benefit
$100,000 to $3 million

Ladder is our selection for best cheap life insurance it uses a simple three-step online application and offers affordable policies that start at $5/month. The company also doesn’t charge any cancellation fees, which means you can cancel your coverage any time, with no strings attached.

Another appealing feature for Ladder is that, unlike other insurers, it allows policyholders to change their coverage amount online at any time -- with corresponding changes in premiums, of course. This perk can help policyholders maintain an affordable policy at all times, and might give peace of mind to those worried about possible changes in their financial circumstances down the road.

Why we chose this company

Ladder's appeal includes its unusual allowance for policyholders to increase or decrease their life insurance coverage online. Also, its premiums starts at only $5 a month, making it one of the most affordable insurers on our list.

Pros
  • Above average for customer satisfaction according to J.D. Power
  • Offers Long-term care and CareMatters linked benefits
  • Offers a hybrid universal/long-term care policy
Cons
  • Online quotes aren't available for most policies
  • Its six universal life policies are hard to differentiate
  • No guaranteed acceptance policies
Term coverage
10-, 15-, 20-, 30- year term
Death benefit
Not available on the website
Term coverage
10-, 15-, 20-, 30- year term
Death benefit
Not available on the website
Term coverage
10-, 15-, 20-, 30- year term
Death benefit
Not available on the website

Nationwide stands out for its acclaim from third parties. The company has an A+ A.M. Best financial strength rating and a high (third place) ranking in J.D. Power’s 2020 U.S. customer satisfaction ratings. In the past year, the National Association of Insurance Commissioners (NAIC) has received only a single complaint against Nationwide for its individual life insurance, which underlines the company’s strong record for customer service.

As with most of its competitors, policies from Nationwide can be customized with riders like accelerated death benefit, premium waiver and children’s term insurance. Nationwide doesn’t charge a fee or requires a medical exam for policy conversions.

Nationwide universal life policies offer two hybrid universal/long-term care riders or linked benefits: Long-term care (LTC) and CareMatters. LTC covers the cost of long term care while giving the insured flexibility on how to receive their benefits. CareMatters covers the cost of an informal caregiver, and guarantees a monthly cash benefit payment.

Why we chose this company

Nationwide has one of the highest customer satisfaction rankings of the companies on our list. This insurer also offers a variety of riders and doesn’t charge a fee for policy conversions.

Pros
  • Policyholders own part of the company's shares
  • Flexible life insurance plans
  • Yearly convertible policy starts with a low premium payment
  • Spouse's Paid-Up rider
Cons
  • Premiums increase once the convertible option term ends
  • Premiums for conversions are higher than average
  • No online quotes
Term coverage
10-, 15-, 20- year term
Death benefit
No information on the website
Term coverage
10-, 15-, 20- year term
Death benefit
No information on the website
Term coverage
10-, 15-, 20- year term
Death benefit
No information on the website

Because it’s a mutual insurance company, New York Life policyholders own part of the company's shares and, depending on the type of policy, are entitled to receive annual dividends.

New York Life offers a good selection of both term and permanent life insurance options, and its term policies include a conversion option. You can also customize term coverage with options like the Spouse Paid Up rider. With this rider, if you die, your spouse can use the death benefit payout to purchase their own insurance coverage without taking a medical exam.

New York Life also underwrites the AARP Life Insurance Program, which offers both term and permanent group coverage without a physical exam. Some of the program’s policies feature guaranteed life insurance rates, while others offer level premiums.

Why we chose this company

New York Life has a good selection of both term and permanent life insurance options, and its term policy includes a conversion option. It also underwrites AARP’s life insurance program.

Other life insurance companies we considered

Lemonade

Pros
  • Premiums start from $9/mo
  • Completely online application
  • Full refund if you cancel within the first 30 days
Cons
  • Only people aged 18-60 can apply
  • Term life is not available in NY
  • If you have heart disease or cancer it's unlikely that you'll be approved by this insurer

Lemonade is not part of our top insurers because of its limited insurance offerings. It also lacks information about riders and policies on its website.

Sproutt

Pros
  • Options available for those who identify as non-binary
  • Uses technology to match people with the right policy coverage
  • Uses Quality of Life Index to underwrite policies
Cons
  • No phone assistance over the weekend
  • Coverage may be denied if you're in poor health or have a high BMI
  • No-exam policies may be denied if you've filed for bankruptcy

Sproutt didn’t make it into our main list because its Quality of Life underwriting has very specific qualifications, indicating that its policies target a narrow and specific audience. Also, Sproutt’s website lacks information about insurance coverage, riders and term options.

Health IQ

Pros
  • Compare rates from 30 different carriers
  • Licensed agents guide you through the process
  • Offers membership rewards program
Cons
  • Online quotes require that users agree to calls from agents
  • Must have a healthy lifestyle or pass a quiz to qualify for better rates

Broker Health IQ is not part of our main list, in part because its online service is more limited than some, and its website offers less detailed information than is the norm, too. (We note, though, that the company partners with over 25 national insurers, including Prudential, Mutual of Omaha, and Transamerica, and terms, policies and riders depend on the provider the customer selects.)

MassMutual

Pros
  • Young and/or healthy applicants may not need a medical exam
  • Free nationwide policy for first-line workers
  • Direct Term life insurance can be purchased immediately online
Cons
  • No conversion options for some policies
  • Whole life offerings do not allow withdrawals from the cash value
  • Few or no policy riders

MassMutual is not part of our main list because even though it has a wide selection of life insurance policies, its whole life insurance offerings don’t allow withdrawals from the policy's cash value and cannot be modified with riders.

Guardian Life

Pros
  • Online quotes and account management
  • Policies available for people with HIV
Cons
  • Must apply (and cancel) through an agent
  • Doesn't offer no-exam (guaranteed issue) policies
  • Term life options are basic

Guardian Life didn’t make it to our main list because of its below-average JD Power rating and the limited riders available for its policies.

USAA

Pros
  • Military members can get coverage during war
  • Offer survivor support
  • High cap on the value of their policies
Cons
  • Medical exam required for all policies
  • Some policies unavailable in New York

USAA isn’t part of our main list because it’s only available for military members and their families. Though it isn't included in JD Power’s latest study of customer satisfaction or rated by rating agencies, the company has a strong record in this regard, including favorable complaints records with insurance regulators.

Mutual of Omaha

Pros
  • Offers online quotes
  • Affordable underwriting for health conditions, including cancer
Cons
  • Policies for individuals in good health are pricier than average
  • Must apply to discover whether a medical exam is required
  • Sparse website resources
  • New York residents have limited options

Mutual of Omaha didn’t make our list because its premiums are higher than industry norms for applicants who are healthy and/or older. Application and processing times are also slower than those of some other insurance providers.

Liberty Mutual

Pros
  • Immediate online approval for Passport Term (simplified issue insurance)
  • Continuing coverage once the term ends
Cons
  • Monthly premiums are higher than average
  • No detailed information about policies on the website

Liberty Mutual is not part of our main list, in part because other companies on our main list provide more detailed information about policies and offer a larger array of term insurance options.

State Farm

Pros
  • Premiums vary depending on the customer's needs
  • Optional add-ons include Children's term rider and Waiver of premium for disability
  • Discounts available for bundling homeowners and auto insurance
Cons
  • Policies are only approved in office
  • No live chat option on the site
  • Not licensed in MA, NY and WI

State Farm is not part of our main list because, while it allows the purchase of term coverage online, you need to visit one of its brick and mortar locations to complete the process.

Life Insurance Guide

This life insurance guide aims to answer questions related to life insurance and its different policy types and options, in order to help you more readily select the best life insurance policy for your needs and budget.

What is life insurance?

Life insurance is a contract between a policyholder and an insurer, in which the latter guarantees to pay a sum of money to the named life insurance beneficiary upon his or her death. This sum, known as the death benefit, is funded by premium payments made throughout the lifetime of the insured.

How does life insurance work?

Life insurance protects family members and loved ones from financial hardship upon the death of a primary breadwinner. Yet life insurance is not exclusively available for adults and the elderly. Many companies also offer life insurance for children, which can cover any expenses in the case of death, help with future insurability and provide economic support through the cash value component of the policy.

At its most basic, life insurance has two main components, a death benefit and a premium.

  • The death benefit, also called the face value, refers to the lump sum of money the insurer agrees to pay out to named beneficiaries upon the policyholder's death.
  • Premiums are payments made by the policyholder to the insurer in exchange for the policy. Premiums are determined by the insured’s projected life expectancy. High-risk individuals, or those who purchase larger death benefit amounts or a permanent life insurance policy, generally pay higher premiums.

Permanent and whole life insurance policies also include a cash value component that can serve two functions:

  • As a savings account in which cash accumulates on a tax-deferred basis, and which the insured can usually access during their lifetime. Some policies may restrict withdrawals, depending on how the withdrawn money will be used.
  • As a way to cover the policy's premiums or to purchase additional coverage.

Note, however, that the cash value is a living benefit that stays with the insurance company when the policyholder passes. Any outstanding loans against the cash value will reduce the policy’s death benefit.

What are the different types of life insurance?

Life insurance are typically of one of the following types:

  • Term life insurance - Coverage lasts for a predetermined period (commonly 10, 15 or 20 years), and then expires.
  • Whole life insurance -Covers the insured for the duration of their life as long as the premiums are paid. Policies include a guaranteed cash value component and monthly premiums are typically fixed.
  • Universal life insurance - Similar to whole life, this coverage type protects the insured for the duration of their life as long as premiums are paid, and also includes a cash value component. The cash value component in this policy is not in a guaranteed amount; rather, it fluctuates in step with the market.
Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
No-exam life insurance allows you to get the coverage you need without leaving the comfort of your own home.
Getting quality term life insurance shouldn't be a hassle. Skip the doctor's appointment and get the coverage you need today! Just click below to get a free quote.
Get a Free Quote

What is the difference between term, whole and universal life insurance policies?

Term Life Whole Life Universal Life
There are two main types: level term and convertible term There are three main types of whole life insurance: traditional or non-guaranteed, indexed and variable life There are three main types: traditional or non-guaranteed, indexed and variable life
The death benefit is paid to your designated beneficiaries as a lump sum, in installments or as an annuity Policyholders can access the savings component during their lifetime and receive annual dividend payments on the policy Premium payments and cash value influence the value of the policy. The policy does not receive annual dividend payments.
A lump sum payout means that your beneficiary receives the whole benefit at once. To annuitize, the payment is spread out into fixed installments Policyholders can make payments above the amount of the premium in order to accumulate a larger cash value Allows policyholders to increase or decrease the death benefit amount, within limits

Both the whole and universal types are considered permanent life insurance, meaning the coverage they offer can last a person’s lifetime.
If you’re not sure which is best for you, check out our in-depth analysis on term vs whole life insurance.

Life Insurance Glossary

Common life insurance terms
Underwriting Underwriting guidelines are used to determine how much your policy will cost based on your health and family history, among other factors. They do so by classifying policyholders into risk pools. The higher the risk, the higher the premium.
Beneficiary The person, organization or charity that receives the life insurance payout (death benefit).
Rider Coverage add-ons to your policy at an increased price, such as those that provide an accelerated death benefit, chronic illness, long-term care or a return of premiums.
Disclaimer When a beneficiary declines to receive, or fails to claim, the proceeds of a policy. In such cases, the death benefit goes to the remaining beneficiaries. If there are no other beneficiaries, the death benefit goes to the insured's estate.
Death benefit The amount the beneficiaries receive from a life insurance policy, as long as the insured died when the policy was still in effect.
Contestability period The first two years of your policy. During this period, the life insurance company can review your policy and refuse to pay a claim if they discover the insured has committed fraud.
Cost of Insurance (COI) Part of Universal Life Insurance policies, COI is the minimum premium amount that must be paid in order to keep the policy active It includes mortality costs, administrative fees, and other expenses.
Life Insurance Companies FAQ
How much life insurance do I need?
chevron-down
chevron-up
There's no such thing as a hard and fast rule for figuring out a price tag on your life insurance needs and peace of mind. Still, a basic starting point is to determine your financial obligations and future and final expenses, and then to subtract any liquid asset you may have.

In any case, it's a good idea to consider life insurance within a larger financial context. If you can, it's a good idea to talk over your life insurance needs with a financial planner.

How does life insurance work?
chevron-down
chevron-up
Life insurance is a policy taken out on your life and paid out in the event of your death, in order to protect those that depend on you financially. The proceeds can serve to pay your final medical expenses or funeral expenses, or be used to set a trust fund for your children's tuition, in estate planning or to pay off remaining debt and mortgages.
What is the difference between term and whole life insurance?
chevron-down
chevron-up
The main difference between term and whole life insurance is that the former type of policy only lasts for a set period (its term). In contrast, a whole or permanent policy covers a policyholder for (essentially) their entire lifespan.
How to get life insurance
chevron-down
chevron-up
You can purchase a life insurance policy through an insurance agent or online. Before deciding on an insurance broker you should first determine:
  • What type of life insurance is the best for you and your finances
  • The amount of death benefit you want and beneficiaries
  • After deciding the type of insurance you want to purchase, look for quotes
  • Compare different offers, companies and perks
  • Decide which policy fits your needs
  • Submit your documentation and obtain your life insurance policy
  • How much life insurance should you have?
    chevron-down
    chevron-up
    You can purchase more than one life insurance policy. Still, insurance companies can deny coverage if they deem an applicant to be over-insured.
    What is the best life insurance?
    chevron-down
    chevron-up
    There's no one best life insurance policy or company for everybody. Your choices regarding life insurance will depend on your needs and how you plan to use the policy. That said, we selected Northwestern Mutual as our best insurer overall.
    Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
    A proper life insurance policy will protect your loved ones from the unexpected.
    No time like the present to get on the estate planning path. Do it right with life insurance and take care of your family. Click below for more information.
    Get a Free Quote

    How We Chose the Best Life Insurance Companies

    As part of our methodology to come up with our list of top life insurance companies, we looked at:

    • The ability to pay claims on time
    • Customer experience and product offerings
    • Customer satisfaction and ratings, as reported in J.D. Power's latest U.S. Life Insurance Satisfaction Study, and the A.M. Best financial strength ratings
    • The number of complaints regarding their individual life insurance policies, based on NAIC data
    • The selection of insurance plans and related products
    • Simplicity of underwriting

    Summary of Money’s Best Life Insurance Companies of December 2021