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Published: Feb 28, 2024 21 min read

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. Our goal is to provide readers with the most useful and up-to-date information.

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Money’s Main Takeaways:

  • State Farm is the best choice for customer satisfaction and financial stability
  • For same-day coverage, Ethos is our top pick
  • Our choice for no-exam life insurance is Bestow
  • Policygenius is the best marketplace to shop rates

Why Trust Us?

Our writers and editors evaluate insurance companies independently, ensuring our content is precise and guided by editorial integrity. 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

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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.


Company

Term

Female

Male

State Farm

20-year

$28/month

$30/month

Pros
  • Top-rated for customer satisfaction
  • Low number of customer complaints
  • Multiple policy options
  • Simplified-issue (no exam) policies available
Cons
  • 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 year in a row, J.D. Power named State Farm the top company in its U.S. Individual Life Insurance Study, which measures overall customer satisfaction based on responses from over 5,500 respondents. Additionally, it has an A++ (Superior) rating from AM Best — the highest possible — 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.

HIGHLIGHTS
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


Company

Term

Female

Male

Bestow

20-year

$27/month

$37/month

Pros
  • 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
Cons
  • 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. Instead of a medical exam, it uses your personal information and medical history, hobbies and lifestyle to determine your eligibility and life insurance rates. According to Bestow, you can buy up to $1.5 million in term life coverage within minutes.

Instead of a medical exam, Bestow uses your personal information and medical history, hobbies and lifestyle to determine your eligibility for this type of coverage and life insurance rates.

The company’s policies are issued by top-rated insurer North American Company for Life and Health Insurance or by Bestow Life Insurance Company. Additionally, life insurance from Bestow is now sold through Lemonade’s app and website.

HIGHLIGHTS
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


Company

Term

Female

Male

Ethos

20-year

$21-$38/month

$26-$49/month

Pros
  • 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
Cons
  • 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 pick as the best life insurance company for same-day coverage because it accommodates a wide range of potential applicants. Even people who struggled to qualify for insurance in the past have success.

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 get a range of term life options spanning 10 to 30 years and coverage amounts 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, offering coverage from $10,000 to $25,000 — without medical exams. However, these policies feature graded benefits within the first two years. This means beneficiaries receive 100% of premiums paid plus 30% in the event of death within this period, excluding accidental deaths.

HIGHLIGHTS
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 full review

See rates on Ethos's Secure Website


Company

Term

Female

Male

Policygenius

20-year

$17-$32/month

$20-$40/month

Pros
  • Quickly and easily compare quotes from multiple insurers
  • Get guidance from real licensed agents
  • Various types of insurance policies available
Cons
  • 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 because it offers one-stop access to policies from a long list of partners, including some of the best life insurance carriers mentioned on our list. And unlike other comparison sites, this one pledges not to sell your information to third parties.

Policygenius, an online insurance broker, offers a range of policies including life, home, auto, and disability insurance. Users can swiftly obtain premium estimates by entering basic personal information and then delve into policy comparisons by providing additional details.

The platform features an extensive array of term life insurance policies spanning from 10 to 40 years in 5-year increments, along with whole, universal, and no-exam policy options. Moreover, Policygenius hosts a wealth of educational resources for individuals new to life insurance and provides personalized assistance from licensed insurance agents.

HIGHLIGHTS
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


Company

Term

Female

Male

Ladder

20-year

$20/month

$22/month

Pros
  • 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
Cons
  • 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 3-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.

HIGHLIGHTS
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


Company

Term

Female

Male

New York Life

Whole Life

$245/month

$245/month

Pros
  • Multiple term, whole and universal life policies available
  • Offers several optional riders
  • Highly rated company
  • Potential to earn dividends
Cons
  • 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 consult with an agent.

HIGHLIGHTS
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


Company

Term

Female

Male

Nationwide

20-pay Whole Life

$288/month

$267/month

Pros
  • Discounts for bundling life with homeowners or auto insurance
  • Multiple insurance plans and optional riders
Cons
  • 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 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.

HIGHLIGHTS
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


Company

Term

Female

Male

Northwestern Mutual

N/A

N/A

N/A

Pros
  • Many optional riders
  • Multiple policy and coverage options
  • Potential to earn dividends
  • Highly rated by third parties
Cons
  • Policies must be purchased through agents
  • Medical exams required for most policies
  • Limited online quote tools

Why we chose it: Northwestern Mutual is our pick for the best life insurance company for policy customization because it offers more riders than most insurers, allowing you to customize your policy as much as you like. Insurance riders allow you to get coverage for loved ones, access your benefits under special circumstances or even 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.

HIGHLIGHTS
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


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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.


Lemonade

Pros
  • Premiums start at just $9 per month
  • Process is 100% online
  • No medical exams
  • Full refund if you cancel within the first 30 days
Cons
  • Only people aged 18-60 can apply
  • Not available in NY
  • Approval is unlikely if you have history of a 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 is not among our top picks because it has limited insurance offerings and its website lacks information about riders and policies.

See rates on Lemonade's Secure Website


MassMutual

Pros
  • 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
Cons
  • 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 in our top picks, this company provides limited optional riders to enhance or modify coverage.

Read our full MassMutual Life Insurance review

See rates on MassMutual's Secure Website


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

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

See rates on Guardian Life's Secure Website


USAA

Pros
  • High cap on the value of their policies
  • Policies start at just $12 per month
  • Don't need a military connection to apply
Cons
  • 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 two term life insurance policies and three permanent options. Policies start at $12 a month and, depending on the policy type, USAA may offer up to $10 million in coverage. Additionally, as a policyholder, you get free assistance for your survivors along with the option for disability protection and simplified whole life coverage for your children.

Why USAA didn’t make the cut: The company provides few details about available riders and cash value policies on its website. To learn more, you must speak to a USAA representative over the phone.

Read our full USAA Life Insurance review

See rates on USAA's Secure Website


Haven Life

Pros
  • Offered simplified issue policies and up to $3 million in term life coverage
  • Additional benefits on term life policies
Cons
  • 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 and additional benefits like 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

See rates on Haven Life's Secure Website


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 Overall

Starting at $100,000

A++ (Superior)

Best for Term Options

$100,000 - $50 million

A+ (Superior)

Best for No-Exam Coverage

$100,000 - $2 million

A and higher - Mutual of Omaha, Ameritas and TruStage, Legal & General

Best for Adjustable Coverage

$100,000 - $8 million

NR (Not Rated)

Best for Parents

Fabric by Gerber

$100,000 - $300,000 

A (Excellent)


Best Whole Life Insurance Companies

Whole life insurance provides lifetime coverage with a fixed death benefit, and also typically includes a cash value component. Our picks for best whole life insurance companies are below.

Category

Company

Coverage Amounts

Financial Strength Rating - AM Best

Best for Flexible Payment Options

Undisclosed

A++ (Superior)

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 for Riders

$10,000 and up

A (Excellent)

Best for a Variety of Whole Life Policies

$25,000 and up

A++ (Superior)

Best Whole Life for Children and Young Adults

Gerber Life

$50,000 - $300,000

A (Excellent)


Best No-Exam Life Insurance Companies

No-exam life insurance is life insurance that does not require a medical exam. This type of policy may be a permanent life insurance policy or a term life insurance policy. Find out picks for the best no-exam life insurance companies below.

Category

Company

Coverage Amounts

Financial Strength Rating - AM Best

Best for High Coverage Amounts

$100,000 - $3 million

NR (Not rated)

Best for Bundling Discounts

$25,000 and up

A++ (Superior)

Best Overall

$250k - $1.5M (term life)

A (Excellent) 

Best for Low Minimum Coverage Amount

$20,000 - $2 million

A and higher - Mutual of Omaha, Ameritas and TruStage, Legal & General

Best for Members of the Military

$100,000

A++ (Superior)


Life Insurance Guide

Table of Contents

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:

  • 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

Here are some steps to follow when shopping around for life insurance and comparing policies:

1. Understand how different types of life insurance policies work

Learn the differences between term versus whole life insurance. Term life suits if you're young, healthy, and aim to replace income for a set time like a mortgage or your children's education. For lifetime coverage, growth potential, and higher premiums, consider permanent life insurance.

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 that, consider how long you need to provide for your dependents and the duration of other financial obligations like student loans and mortgage payments. The longer the term, the higher your 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 (e.g., credit cards, mortgage) and hidden income (e.g., employer benefits). 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.

How to choose the best life insurance company for you

When searching for the best life insurer, 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.

Cost of Life Insurance

More than half of Americans believe the cost of life insurance is three times higher than it actually is, according to LIMRA's 2023 Life Insurance Barometer Study. In reality, life insurance costs vary widely based on factors such as policy type, coverage amount, term length, age, health, occupation and lifestyle choices.

People who drink, smoke or participate in high-risk activities like skydiving or rock climbing will pay higher premiums. The same applies to applicants with chronic health conditions or dangerous jobs such as roofers or construction workers.

Term life insurance - $500,000 policy

Company

Term

Female

Male

Haven Life - Term

20-year

$19/month

$22/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 (life 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

Most common reasons life insurance won’t pay out

Life insurance carriers may withhold the death benefit from your beneficiaries in the following circumstances:

  • You withheld information or lied in your insurance application regarding your health, family history, hobbies or upcoming travel plans.
  • You die by suicide within one to three years of getting the policy and there’s a suicide clause in place.
  • You die participating in a risky hobby for which there’s an exclusion clause.
  • You’re murdered by someone who is a designated beneficiary in the policy.
  • Your death took place during the policy’s contestability period.

Best Life Insurance FAQs

What is the best life insurance?

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The best life insurance for you is one that aligns with your particular financial situation. Before choosing a plan, assess how you plan to use the policy. Do you need coverage for funeral expenses or want to ensure your family’s financial stability in your absence? For more information, explore our step-by-step guide to choosing a policy.

How much is life insurance per month?

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The cost of a life insurance policy will depend on factors such as the applicant's age, sex and overall health as well as the type of policy and coverage amount they select. Monthly premiums typically range from $20 to upwards of $300. Our section on the cost of life insurance includes sample rates for permanent and term life insurance policies.

Does life insurance pay for death by suicide?

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Whole and term life insurance generally pay for death by suicide, unless the policy contains a suicide clause. Under this clause, the policy won't pay out if the policyholder dies by suicide within one to three years after the policy's effective date. Group life insurance policies typically don't have these clauses, but contact your company's benefit manager for confirmation.

What is the cash value of a life insurance policy?

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Permanent life insurance policies, such as whole or universal life insurance, accumulate cash value. Once you have enough cash value, you can borrow against your policy or use the funds to cover premium payments or purchase additional coverage. If you borrow against the policy and don’t repay the loan in full before your death, the outstanding amount will be deducted from the death benefit.

Can you get life insurance if you have cancer?

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Individuals with cancer may qualify for a no-exam, guaranteed issue policy. This type of permanent life insurance does not mandate a medical exam, offering guaranteed approval with most carriers. However, premiums for no-exam policies tend to be higher, and coverage amounts often range from $50,000 to $100,000. While some policies have a waiting period, options like Ethos's Guaranteed Issue policy provide immediate coverage.

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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.
View Rates

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

In the course of our research, we also interviewed representatives from different companies. However, while we always try to include accurate and up-to-date information on regulatory and legal actions, we don’t claim this information is complete or fully up to date. Rates are subject to change. As always, we recommend you do your own research as well.

Summary of Money’s Best Life Insurance Companies of 2023

Read Our Other Life Insurance Guides