8 Best Life Insurance Companies of 2024
Best Life Insurance Main Takeaways
- State Farm is the best choice for customer satisfaction and financial stability
- Ethos is our top pick for same-day coverage
- Bestow is our choice for no-exam life insurance
- Policygenius is the best marketplace to shop for rates
Get $250k in Term Life Insurance for as Low as $13/month
- A Trusted Partner since 1995
- Customizable Policies that Fit Your Needs and Budget
- Term Life Insurance up to $10M+
- Apply 100% Online or with the Help of an Agent
100% online process from start to finish for coverage up to $3M
- Instant coverage available for ages 20-60, if approved
- Adjust your coverage amount as your needs change and save on premiums
- Get a 30-day money-back guarantee and cancel anytime
Plans for every budget - cash value available
- Easy online application - no medical exams
- 4.8 Google rating and A+ Better Business Bureau rating
- Quickly pre-qualify for lifelong coverage with personalized recommendation out of many insurers and products
Nation’s leading provider since 1976, unmatched expertise and experience.
- Applicable for adults between the ages of 45 and 79
- Wide range of options & exclusive discounts.
- Cost of Care Map tool to understand costs
BBB-accredited with an A+ score
- Best for ages 45-79, $100k+ net worth, in good health
- Comprehensive, affordable plans
- Protects your assets with tax-free benefits
Long-term care benefits provided with life insurance & annuities
-
Intended for adults between the ages of 45 and 79
-
Individual and joint policy options available
- Members can receive in-home and/or facility care
- Coverage for hospice & respite care, caregiver training included
- Accessible via Goldencare
Facility care and/or in-home care coverage options available
- Appropriate for individuals between 45 to 79
- Completely customizable policies
- Special pricing for joint policies available
- Access to all the top insurance companies
- Accessible via Goldencare
- Final expense benefits from $2,000 to $30,000
- Guaranteed rates for the life of your policy
- Policies accumulate value as you pay premiums
- No medical exam required
- No restrictions on how policy proceeds are spent
- Request a free quote by phone or online
Why Trust Us?
Since 2017, Money’s editorial team has researched and analyzed companies offering various types of life insurance policies. Our ongoing assessment focuses on insurers' offerings, customer satisfaction ratings and financial stability. Read the full methodology to learn more.
- 30+ insurers evaluated
- 6 categories scored
- 1,000+ hours of research
Our Top Picks for the Best Life Insurance Companies of 2024
Note: The following companies are listed in alphabetical order.
- Bestow - Best No-Exam Life Insurance
- Ethos - Best for Same-Day Coverage
- Ladder - Best for Flexible Coverage
- Nationwide - Best for Bundling Discounts
- New York Life - Best Whole Life Insurance
- Northwestern Mutual - Best for Policy Customization
- Policygenius - Best Online Life Insurance Broker
- State Farm - Best for Customer Satisfaction and Stability
Best Life Insurance Companies Reviews
Sample premiums are based on a 35-year-old female or male in excellent health for a $500,000 20-year term-life policy. Your rate will depend on your age, health and sex, among other factors.
Best No-Exam Life Insurance: Bestow
Company
Term
Female
Male
Bestow
20-year
$27/month
$37/month
- High coverage amounts (up to $1.5M) without a medical exam
- Online application and quick processing
- Terms range from 10 to 30 years
- Long (30-day) free look period
- No riders available
- Only sells term life insurance
- Must be younger than 60 to qualify for coverage
- Policies not available to residents of New York
Why we chose it: We chose Bestow as the best life insurance company for no-exam life insurance coverage because it has one of the fastest and easiest application processes on the market. It also offers an unusually high death benefit payout for policies that don’t require a medical examination.
Bestow is our choice for individuals who want life insurance coverage without undergoing a medical exam. The company uses your personal information — including medical history, hobbies and lifestyle — to determine your eligibility for coverage and life insurance rates. According to Bestow, you can buy up to $1.5 million in term life coverage within minutes.
The company’s policies are issued by top-rated insurer North American Company for Life and Health Insurance or by Bestow Life Insurance Company. You can buy Bestow policies through its website or through Lemonade Insurance.
- AM BEST RATING
- A+ Rating (Superior) - North American Company for Life and Health Insurance
- POLICY TYPES
- No-exam term life insurance
- RIDERS AVAILABLE
- None
Read our full Bestow Life Insurance review
See rates on Bestow's Secure Website
Best for Same-Day Coverage: Ethos
Company
Term
Female
Male
Ethos
20-year
$21-$38/month
$26-$49/month
- Same-day coverage for most approved applicants
- No exams — the process is entirely online
- Get a free will with your policy
- Policy purchase includes free will and estate planning tools
- Little information publicly available about optional riders
- Term life eligibility starts at age 20
- Not available in New York
Why we chose it: Ethos is our top choice for same-day life insurance coverage due to its ability to accommodate a diverse range of applicants. Even individuals who have faced challenges in qualifying for insurance in the past have found success with Ethos.
Ethos offers streamlined life insurance application and underwriting processes, leveraging proprietary technology to provide same-day coverage to most applicants. Individuals aged 20 to 65 can secure term life coverage for 10 to 30 years, with coverage amounts ranging from $20,000 to $2 million. Most applicants can skip the medical exam.
Meanwhile, those aged 65 to 85 are automatically eligible for guaranteed issue whole life policies, which offer coverage from $10,000 to $25,000 without a medical exam. These policies offer graded benefits for the first two years, providing beneficiaries with 100% of premiums paid plus 30% in case of death within this period, excluding accidental deaths.
- AM BEST RATING
- A (Excellent) and higher - Mutual of Omaha, Ameritas and TruStage, Legal & General
- POLICY TYPES
- Term - simplified issue and fully underwritten (ages 20 to 65), guaranteed issue (ages 65 to 85)
- RIDERS AVAILABLE
- Accidental Death Benefit
Read our full Ethos Life Insurance review
See rates on Ethos's Secure Website
Best for Flexible Coverage: Ladder
Company
Term
Female
Male
Ladder
20-year
$20/month
$22/month
- Term coverage can be adjusted over time
- $100,000 to $8 million in term coverage available
- 30-day free look period, rather than the 10-day norm
- Up to $3 million in coverage with no medical exam
- Plans are limited to people aged 20 to 60
- Only offers term coverage
- No optional riders
Why we chose it: We picked Ladder as the best life insurance company for flexible coverage because it allows you to increase or decrease the amount of coverage on your policy as your needs change. Additionally, premiums start at just $5 per month, so you can purchase a life insurance policy even if you’re on a tight budget.
While Ladder exclusively offers term life insurance if you're 20-60 years old, we’ve found it to be the best insurer for those seeking flexible, affordable coverage. By completing a simple three-step online application, policyholders can access up to $3 million in coverage. Ladder doesn't charge cancellation fees, so you can cancel your coverage at any time, with no strings attached.
- AM BEST RATING
- A (Excellent) to A+ (Superior) - Amica, Allianz, Fidelity Security Life Insurance, S.USA Life
- POLICY TYPES
- Term Life, No-Exam
- RIDERS AVAILABLE
- None
Read our full Ladder Life Insurance review
See rates on Ladder's Secure Website
Best for Bundling Discounts: Nationwide
Company
Term
Female
Male
Nationwide
20-pay Whole Life
$288/month
$267/month
- Discounts for bundling life with homeowners or auto insurance
- Multiple insurance plans and optional riders
- Most policies require medical exams
- Most policies must be purchased through agents
Why we chose it: Nationwide is our pick for the best life insurance company for bundling discounts because, unlike other companies, it allows policyholders to save on life insurance by combining this coverage with auto and homeowners insurance policies.
Nationwide writes term, whole life, variable and universal policies, and has several optional riders you can use to adjust your policy to your needs. Additionally, the company offers discounted pricing for bundling life insurance policies with other types of insurance, such as long-term care insurance, renters insurance or pet insurance.
- AM BEST RATING
- A (Excellent)
- POLICY TYPES
- Term, Whole, Universal, Variable
- RIDERS AVAILABLE
- Long-term Care, Chronic Illness, Critical Illness, Terminal Illness, Children's Term Insurance, Premium Waiver, Waiver of Monthly Deductions Rider, Accidental Death Benefit, Extended No-Lapse Guarantee, Estate Protection, Guaranteed Insurability, Overloan Lapse Protection
Read our full Nationwide Life Insurance review
See rates on Nationwide's Secure Website
Best Whole Life Insurance: New York Life
Company
Term
Female
Male
New York Life
Whole Life
$245/month
$245/month
- Multiple term, whole and universal life policies available
- Highly rated company
- Potential to earn dividends
- Must work with an agent
- Can't get an online quote
Why we chose it: We picked New York Life as the best life insurance company for whole life coverage because it offers various permanent policies. Its term life policy also includes the option to convert to permanent coverage down the road.
New York Life offers lifetime coverage and various policy options like whole, universal, and variable universal life insurance. You can tailor your plan with add-ons such as an accidental death benefit, chronic care and living benefits riders.
Known for underwriting AARP's life insurance program, New York Life, a mutual insurance company, allows policyholders to own company shares and potentially receive dividends based on their policy type. However, one downside of working with the company is that it doesn't offer quotes online. For policy details and rates, you'll need to speak with an agent.
- AM BEST RATING
- A++ Rating (Superior)
- POLICY TYPES
- Term, Whole, Universal, Variable Universal
- RIDERS AVAILABLE
- Accidental death, chronic care, disability waiver of premium, living benefits, spouse's paid-up insurance purchase option and more
Read our full New York Life Insurance review
See rates on New York Life's Secure Website
Best for Policy Customization: Northwestern Mutual
Company
Term
Female
Male
Northwestern Mutual
N/A
N/A
N/A
- Great selection of optional riders
- Multiple policy and coverage options
- Potential to earn dividends
- Highly rated by third parties
- Policies must be purchased through agents
- Medical exams required for most policies
- Limited online quote tools
Why we chose it: Northwestern Mutual is our top choice for life insurance customization because it offers more riders than most other insurers, allowing greater policy flexibility. Insurance riders allow you to get coverage for loved ones, access your benefits under special circumstances or waive your premiums if you become ill.
Northwestern Mutual, the largest life insurance company by market share, offers a variety of life insurance products, including term, whole, universal and variable universal life insurance. As a mutual insurer, it also pays dividends to eligible policyholders.
Northwestern Mutual is a reputable company that's usually listed at the top of the life insurance industry rankings. It ranked above the industry average in J.D. Power's 2023 U.S. Individual Life Insurance Study and, according to NAIC data, has received fewer complaints than similarly-sized companies.
- AM BEST RATING
- A++ Rating (Superior)
- POLICY TYPES
- Term, Whole, Universal, Variable
- RIDERS AVAILABLE
- Accelerated Death Benefit, Accidental Death, Waiver of Premium, Indexed Protection, Additional Purchase, Long-term Care Benefit
Read our full Northwestern Mutual Life Insurance review
See rates on Northwestern Mutual's Secure Website
Best Online Life Insurance Broker: Policygenius
Company
Term
Female
Male
Policygenius
20-year
$17-$32/month
$20-$40/month
- Quickly and easily compare quotes from multiple insurers
- Get guidance from real licensed agents
- Various types of insurance policies available
- Online quotes aren't available for all providers
- Takes longer to provide a final price than other options
Why we chose it: We chose Policygenius as the best online life insurance broker for its one-stop access to policies from many top insurers and its commitment not to sell your information to third parties, unlike other comparison sites.
Policygenius, an online insurance broker, offers a range of policies including life, home, auto, and disability insurance. Users can quickly obtain premium estimates by entering basic personal information and then delve into policy comparisons by providing additional details.
The platform offers a wide range of term life insurance policies from 10 to 40 years in 5-year increments, as well as whole, universal and no-exam options. Moreover, Policygenius hosts a wealth of educational resources for those new to life insurance and provides personalized assistance from licensed insurance agents.
- AM BEST RATING
- No AM Best rating
- POLICY TYPES
- Term, Whole, Universal, No-exam
- RIDERS AVAILABLE
- Varies by carrier
Read our full Policygenius review
See rates on Policygenius's Secure Website
Best for Customer Satisfaction and Stability: State Farm
Company
Term
Female
Male
State Farm
20-year
$28/month
$30/month
- Top-rated for customer satisfaction
- Low number of customer complaints
- Long list of optional riders
- Simplified-issue (no exam) policies available
- Online quotes are not available for all policy options
- Most policies require medical exams
Why we chose it: State Farm is our choice for the best life insurance company for customer satisfaction and stability because of its excellent reputation for customer service and outstanding strength ratings.
In 2023, for the fourth consecutive year, J.D. Power named State Farm the top company in its U.S. Individual Life Insurance Study. The insurer also holds an A++ (Superior) rating from AM Best, indicating excellent financial stability.
State Farm sells term life insurance (10, 20 or 30 years), plus whole and universal life insurance policies. Although most of its plans require medical exams, it does offer some no-exam options as well as a long list of optional riders.
- AM BEST RATING
- A++ (Superior)
- POLICY TYPES
- Term, No-exam, Whole, Universal
- RIDERS AVAILABLE
- Children's Term Life Insurance Benefit, Waiver of Premium Benefit, Level Term Life Insurance Benefit, Waiver of Monthly Deduction Benefit, Guaranteed Insurability Option, Payor Insurance Benefit, Qualified Long-Term Care Insurance, Advanced Death Benefit for Long-Term Care, Accelerated Benefit for Long-Term Care, Additional Insured's Level Term Life Insurance Benefit, Additional Insured's Level Term to Age 95, Level Term to Age 95 and more
Read our full State Farm Life Insurance review
See rates on State Farm's Secure Website
Other life insurance companies we considered
We evaluated life insurance vendors and companies based on customer service, product offering, simplicity of underwriting, ability to pay claims on time and high ratings.
The following companies have competitive offerings but aren't among our top picks because they didn't excel in one of several of our criteria.
Amica Mutual
- Up to $5 million in term life coverage
- Whole life policies can be paid up by a certain age
- Whole life options available to applicants up to age 80
- Highly rated digital experience for other insurance lines
- Limited selection of policies to choose from
- Few details about its term life policies on the website
- Not included in J.D. Power's life insurance study
Amica Mutual stands out as a top choice for property and casualty insurance. It recently earned the highest ranking in the J.D. Power U.S. Insurance Digital Experience Survey and is among the best homeowners insurers we've evaluated, offering comprehensive coverage and unique features.
Why Amica didn't make the cut: Despite its strong reputation in other insurance areas, Amica's life insurance products are relatively unknown. The insurer isn't included in J.D. Power's U.S. Life Insurance Study and lacks NAIC complaint data. That being said, Amica offers affordable term life coverage (10-, 20-, and 30-year policies ranging from $11 to $25 per month), but has a limited selection of policies.
Read our full Amica Life Insurance review
Lemonade
- Premiums start at just $9 per month
- Process is 100% online
- No medical exams
- Full refund if you cancel within the first 30 days
- Only people aged 18-60 can apply
- Not available in NY
- Approval unlikely with a history of life-threatening illness
Lemonade offers term life insurance with no medical exam. Customers can complete the full online application in around five minutes and purchase 10- to 30-year term policies with up to 1.5 million in coverage. Policyholders must download Lemonade’s mobile app to manage their policy, submit claims and access customer service.
Why Lemonade didn’t make the cut: The company didn't make our top picks due to its limited insurance offerings and lack of detailed information about riders and policies on its website.
MassMutual
- Young and/or healthy applicants may not need a medical exam
- Offer term, whole life, universal life and variable universal life insurance policies
- Direct Term life insurance can be purchased immediately online
- You can only earn dividends with a whole life insurance policy
- Offers no information about riders
- Can only get a quote for term insurance online
MassMutual’s insurance portfolio includes term and permanent life insurance, including a term life policy that can be purchased online. Customers can also convert their term life insurance to a permanent policy without a medical exam. MassMutual features a life insurance calculator to help prospective clients assess their insurance needs.
Why MassMutual didn’t make the cut: Unlike other insurers on top list, MassMutual offers few optional riders, so customers have limited options for policy customization.
Read our full MassMutual Life Insurance review
Guardian Life
- Online quotes and account management
- Policies available for people with HIV
- Must apply (and cancel) through an agent
- Doesn't offer no-exam (guaranteed issue) policies
Guardian Life's insurance portfolio includes term, whole and universal life policies. Those interested in a term life policy can get an online quote on Guardian Life’s website, but they must contact an agent or provider to purchase a policy or get quotes for permanent life insurance.
Why Guardian Life didn’t make the cut: Unlike our top life insurance companies, Guardian offers few optional riders, and its website provides very little information about policies.
Read our full Guardian Life Insurance review
USAA
- High cap on the value of their policies
- Policies start at just $12 per month
- Don't need a military connection to apply
- Available only to current and former military, their spouses and children
- Medical exam required for all policies
- Some policies unavailable in New York
USAA offers various life insurance options, including term and permanent coverage. Policies start at $12 a month and coverage amounts go up to $10 million. Additionally, policyholders receive complimentary survivor assistance and the option for disability protection. There's also simplified whole life coverage available for children.
Why USAA didn’t make the cut: The company's website lacks comprehensive information about available riders and cash value policies. To learn more, you must speak to a USAA representative over the phone.
Read our full USAA Life Insurance review
Haven Life
- Offered simplified issue policies and up to $3 million in term life coverage
- Additional benefits on term life policies
- Ceasing operations and is no longer accepting new applications
- Product availability varied by state
Haven Life sold 10-, 15-, 20-, 25- and 30-year term policies with coverage amounts ranging from $25,000 to $3 million. Backed by the superior financial strength of MassMutual and its subsidiary, C.M. Life, term policies sold through Haven Life offered reliable coverage as well as access to will and estate planning tools.
Why Haven Life didn't make the cut: After more than eight years in business, Haven Life is ceasing operations. The company is no longer accepting new insurance applications. Policies already issued through Haven Life will continue to be administered and serviced by MassMutual or its subsidiary.
Read our full Haven Life Insurance review
Best Term Life Insurance Companies
Term life insurance lasts for a set period of time, typically ranging from 10 to 40 years. These policies are often renewable and less costly than a permanent policy. Our choices for the best term life insurance companies are below.
Category
Company
Coverage Amounts
Financial Strength Rating - AM Best
Best for No-Exam Coverage
$100,000 - $2 million
A and higher - Mutual of Omaha, Ameritas and TruStage, Legal & General
Best Whole Life Insurance Companies
Whole life insurance provides lifetime coverage with a fixed death benefit and typically includes a cash value component. Our picks for the best whole life insurance companies are below.
Category
Company
Coverage Amounts
Financial Strength Rating - AM Best
Best Whole Life for Seniors
$10,000 - $25,000 for ages 66 - 85
A and higher - Mutual of Omaha, Ameritas and TruStage, Legal & General
Best No-Exam Life Insurance Companies
No-exam life insurance doesn't require a medical exam. It can be either permanent or term life insurance. Find out picks for the best no-exam life insurance companies below.
Category
Company
Coverage Amounts
Financial Strength Rating - AM Best
Best for Low Minimum Coverage Amount
$20,000 - $2 million
A and higher - Mutual of Omaha, Ameritas and TruStage, Legal & General
Life Insurance Guide
Table of contents
- Cost of life insurance
- Types of life insurance policies
- How to compare life insurance policies
- How to purchase life insurance
Cost of life insurance
More than half of Americans overestimate the cost of life insurance, believing it to be three times more expensive than it actually is, says LIMRA's 2023 Life Insurance Barometer Study.
In reality, life insurance costs vary based on factors like policy type, coverage amount, term length, age, health and lifestyle. Drinking, smoking, and high-risk activities lead to higher premiums, as do chronic health conditions and risky occupations like roofing or construction.
Disclaimer: Sample rates for a 35-year-old in excellent health are provided below. Your rate depends on factors like age, health, and gender. For transgender or nonbinary, our guide answers common questions.
Term life insurance - $500,000 policy
Company
Term
Female
Male
Amica Mutual
20-year
$18/month
$21/month
Bestow
20-year
$27/month
$38/month
USAA
20-year
$20/month
$23/month
Mutual of Omaha
20-year
$22/month
$26/month
Ladder Life
20-year
$20/month
$22/month
State Farm
20-year
$24/month
$30/month
Nationwide
20-year
$21/month
$23/month
MassMutual
20-year
$20/month
$23/month
Sproutt
20-year
$17/month
$20/month
Policygenius (insurance broker)
20-year
$17 - $32/month
$20 - $40/month
Permanent Life Insurance - $250,000 policy
Company
Term
Female
Male
New York Life
Whole Life
$245/month
$285/month
USAA
Whole Life - Pay for Life
$167/month
$185/month
Nationwide
20-pay Whole Life
$288/month
$267/month
MassMutual
Whole Life
$233/month
$275/month
Policygenius (life insurance broker)
Whole Life
$219 - $226/month
$261 - $279/month
Types of life insurance policies
Life insurance is a contract where the insurer promises to pay a death benefit to the policy's beneficiary upon the policyholder's death. This benefit is funded by the policyholder's lifetime premium payments.
Life insurance policies fall into two main categories:
- Permanent life insurance - Policies last your entire life and may have a cash value component that can be accessed for various purposes. Learn more about permanent policies through our guides on whole life insurance, universal life insurance, variable life insurance and joint life insurance.
- Term life insurance - Provides coverage for a set number of years — anywhere from 10 to 40 — and does not include a cash value (final expense insurance falls in this category). Read more about this option on our term life insurance guide.
For term or whole life coverage without a medical exam, consider a simplified or guaranteed issue policy. Read more about this option on our guide to no-exam life insurance.
How to compare life insurance policies
When comparing the best life insurers, consider the following factors.
1. Policy types: Check if the insurer offers both term and permanent life insurance options. Some newer insurers, especially those online, may focus on term life and guaranteed-issue policies.
2. Application process: Determine if the application is entirely online or if you need to work with an agent during underwriting.
3. Medical exam requirements: Understand whether a medical exam is necessary. Some companies offer no-exam life insurance.
4. Riders: Check if the policy can be enhanced with riders. Some companies include riders in the policy, while others sell them separately. Availability varies.
5. Coverage: Note the minimum and maximum coverage amounts offered. These can vary significantly among insurers.
6. Pricing: Compare life insurance premiums from different insurers. Prices vary based on how they assess risk. It's best to get quotes from multiple companies.
7. Company reputation: To ensure the company is reputable, check AM Best for financial strength ratings, the National Association of Insurance Commissioners (NAIC) for customer complaints, the Better Business Bureau (BBB) for customer reviews and the latest J.D. Power Individual Life Insurance Study for industry rankings.
How to purchase life insurance
1. Understand how different types of life insurance policies work
Learn the differences between term versus whole life insurance. Term life may suit young, healthy individuals who want income replacement for a specific period, such as the duration of a mortgage. Permanent life insurance offers lifetime coverage and growth potential but higher premiums.
2. Choose a policy term
If you're sold on term life insurance, your next step should be to choose a life insurance term length. To do so, consider how long you need to provide for your dependents and the duration of any other financial obligations. Remember that the longer the term, the higher the premium.
3. Determine how much coverage you need
To determine how much life insurance you really need, add up potential end-of-life expenses, family lifestyle adjustments, debts and hidden income (e.g., employer benefits). Then, subtract potential income sources (e.g., Social Security) and adjust for inflation.
4. Shop for quotes
Once you've decided on a type of policy and coverage amount, get life insurance quotes from several different companies. Insurers price risk differently, so you could get widely different estimates based on your age, gender, health and lifestyle.
5. Make an apples-to-apples comparison
When comparing policies, request quotes for the same policy type, term length (if applicable), and coverage amount. Factor in unique features, optional riders, and discounts. Also, weigh insurers' reputation for customer service and financial stability.
Best Life Insurance FAQs
What is the best life insurance?
How much is life insurance per month?
What is the cash value of a life insurance policy?
Can you get life insurance if you have cancer?
How We Chose The Best Life Insurance Companies
Our methodology for the Best Life Insurance Companies list is extensive. As part of the review process for each company, we:
- Assessed each company’s ability to pay claims on time
- Compared product offerings and pricing against industry competitors
- Examined financial strength ratings as reported by credit rating agencies like AM Best
- Analyzed customer satisfaction ratings as reported by J.D. Power in the latest U.S. Life Insurance Satisfaction Study
- Studied complaints regarding their individual life insurance policies, based on National Association of Insurance (NAIC) data
- Evaluated the simplicity of their underwriting process
As part of our research, we interviewed representatives from various companies. While we strive for accuracy in regulatory and legal information, it may not be complete or fully up to date. Rates can change, so we advise conducting your own research too.
Summary of Money’s Best Life Insurance Companies of 2024
- Bestow - Best No-Exam Life Insurance
- Ethos - Best for Same-Day Coverage
- Ladder - Best for Flexible Coverage
- Nationwide - Best for Bundling Discounts
- New York Life - Best Whole Life Insurance
- Northwestern Mutual - Best for Policy Customization
- Policygenius - Best Online Life Insurance Broker
- State Farm - Best for Customer Satisfaction and Stability