The Best Life Insurance Companies to Consider for Your Needs

Shawn Plummer

CEO, The Annuity Expert

When it comes to life insurance, there are a lot of different factors to consider. What type of policy do you need? What company should you go with? How much life insurance coverage do you need? These are all important questions that need answers. In this guide, we will discuss the best life insurance companies (based on a life insurance agent’s opinion) to consider for your needs. We will also provide tips on how to choose the right company for you!

How To Find The Best Life Insurance Companies

There are a lot of different life insurance companies out there, so it can be tough to choose the right one for your needs. However, there are a few key factors that you should always keep in mind when you buy life insurance.

  • First, you need to make sure that the company is reputable and has a good financial stability rating. You can check this by looking at reviews online to make sure the company is paying out the death benefit in a timely manner or talking to a life insurance agent who has experience with the company.
  • Second, you need to make sure that the company offers the type of policy that you need. There are many different types of policies out there, so you need to make sure that the company offers the one that is right for you.
  • Finally, you need to make sure that you are getting a good value for your money. The life insurance premium is the amount of money that you will pay for your policy, so you want to make sure that your life insurance premiums are affordable. The bottom line, you should get the highest death benefit at the lowest price.

When it comes to choosing the best life insurance company for your needs, there are a lot of different factors to consider. However, if you keep these three key factors in mind, you should be able to find a company that is right for you! Thanks for reading and we hope this was helpful. If you have any questions or would like more information, please feel free to contact us. We would be happy to help! The

The Best Life Insurance Companies For Term Insurance

The following are the best term life insurance companies available to purchase.

North American

North American Life Insurance is a large and well-known annuity and life insurance provider. They have been operating for more than 150 years and are one of the world’s oldest life insurance firms. North American provides a variety of term life insurance plans, including level term, renewable term, and convertible term policies. You can get a life insurance quote from North American online or by calling their customer care phone number.

Lincoln Financial Group

Lincoln Financial Group is a Fortune 500 corporation that provides a variety of financial services, including life insurance. They have earned a stellar reputation for customer care and claims handling. Lincoln offers term life insurance in the form of level term, renewable term, and convertible term policies. You can obtain an online life insurance quote from Lincoln or call their customer service phone number to get started.

Banner Life

Legal & General, a big international financial services corporation, owns Banner Life Insurance Company. Banner offers a range of term life policies, including level term, renewable term, and convertible term plans. You can get a life insurance quote from Banner online or by calling their customer care hotline.

John Hancock

John Hancock is a life insurance firm that has been operating in the United States for over 200 years. They are a well-known company in the business and have been operational for more than 200 years. John Hancock provides term life insurance options such as level term, renewable term, and convertible term policies. You may obtain a life insurance quote from John Hancock by visiting their website or calling their customer care number.

Protective

Dai-ichi Life is a large Japanese financial services corporation. Protective Life Insurance Companies are a Dai-ichi Life subsidiary and specializes in term life policies of varying durations, including level term, renewable term, and convertible term plans. You may get a quote from Protective online or by calling their customer care hotline.

Transamerica

Another notable life insurance corporation is Transamerica, which provides a variety of term life insurance policies. They have been operating for more than 100 years and are well-known in the business. Transamerica has a stellar reputation for client service and claims handling. You can get a life insurance quote from Transamerica online or by calling their customer care number.

Prudential

Prudential is a large and well-known life insurance provider in the United States. They have been operational for more than 150 years and are well regarded in the sector. Prudential provides a variety of life insurance solutions, including term life insurance. Customers praise Prudential for their great customer care and claims handling. You can obtain a life insurance quote from Prudential online or by calling their customer service phone number.

Pacific Life

Pacific Life, like other major life insurance carriers such as MetLife, Prudential Financial, and MassMutual, is a huge and well-established company. They have been providing services for over 150 years and are one of the world’s oldest life insurers. Pacific Life offers term life insurance policies in a variety of formats, including level term, renewable term, and convertible term coverage. You can obtain a life insurance quote from Pacific Life online or by calling their customer care number.

Principal Life

Principal Life Insurance is a branch of the huge financial services corporation known as the Principal Financial Group. Level term, renewable term, and convertible term insurance policies are among the term life insurance plans available from Principal. You can get a life insurance quote from Principal online or by calling their customer care number.

AIG

AIG is a multinational insurance corporation that has been in operation since 1904. They are a well-known brand and one of the top life insurance companies in the business. AIG provides term life insurance and permanent life insurance coverage, as well as other products. For claims processing and customer service, they have a great reputation. You can obtain a life insurance quote from AIG online or by calling their customer support phone number.

Nationwide

Nationwide is one of the biggest life insurance providers in the United States. For over 80 years, they’ve been providing dependable service to customers all across the country. Nationwide provides a wide range of life insurance plans, including term life insurance and permanent life insurance. You can get a life insurance quote from Nationwide by visiting their website or calling their customer care number (toll-free).

Ethos (Best New Company)

Although Ethos Life Insurance is a relatively young life insurance carrier, it is quickly establishing itself as a leader in the life insurance sector. Ethos provides levels term, renewable term, and convertible term life policies, among other permanent and temporary life insurance options. Ethos does not offer universal life insurance or cash value accumulating policies. You can obtain a life insurance from Ethos online or by calling their customer care number.

The Best Life Insurance Companies For Whole Life Insurance

The following are the best permanent life insurance companies.

Transamerica Life Insurance Company

Transamerica offers a variety of whole life insurance policy options. Transamerica is rated A (Excellent) by AM Best Company and has been in business for over 100 years, and is a leader in the industry.

Gerber Life Insurance Company

Gerber Life Insurance offers whole life insurance policies designed to provide help save for a child’s college tuition and financially protect a family in case of premature death. Gerber Life Insurance is rated A (Excellent) by AM Best Company and has been in business for over 50 years, and has a long history of providing quality coverage.

Nationwide Life Insurance Company

Nationwide offers whole life insurance policies designed to provide coverage for a lifetime with the option to pay for twenty years or up to age 100. Nationwide is rated A+ (Superior) by AM Best Company and has been in business for over 100 years, and has a long history of providing quality coverage.

Protective Life Insurance Company

Protective life insurance is rated A+ by AM Best Company and has been in business for over 100 years, and has a long history of providing quality coverage. Protective’s niche is cash value life insurance that includes variable universal life insurance, indexed universal life, and a term life insurance policy (no cash value accumulation). However, they do not offer a whole life insurance policy.

AIG

AIG offers a guaranteed issue whole life insurance policy designed to pay for funeral costs. AIG is rated A by AM Best Company and has been in business for over 100 years, and has a long history of providing quality coverage.

Brighthouse Financial

Brighthouse Financial is another top company in the industry. They offer conversion whole life insurance policies designed to provide financial protection for your family. Brighthouse is rated A (Excellent) by AM Best Company and has been in business for over 50 years, and has a long history of providing quality coverage.

The Best Life Insurance Companies For Universal Life Insurance

Transamerica Life Insurance Company

One of the top life insurance companies in the industry. They offer a variety of universal life policies, including term, permanent, and indexed universal life insurance. Transamerica is rated A (Excellent) by AM Best Company and has been in business for over 100 years, and is a leader in the industry.

AIG

AIG is another top life insurance carrier in the industry. They offer an adjustable death benefit universal life insurance plan that allows you to increase or decrease your coverage as your needs change. AIG is rated A by AM Best Company and has been in business for over 100 years, and has a long history of providing quality coverage.

Prudential Financial

Prudential Financial is one of the top life insurance companies in the industry. They offer a variety of universal life insurance policies, including indexed universal life insurance. Prudential is rated A+ (Superior) by AM Best Company and has been in business for over 140 years, and has a long history of providing quality coverage.

Midland National

Midland National is the sister company to North American life insurance and one of Sammons Financial life insurance companies. They offer a variety of universal life insurance policies, including indexed universal life insurance. Midland National is rated A+ (Superior) by AM Best Company and has been in business for over 100 years, and has a long history of providing quality coverage.

The Best Life Insurance Companies That Require No Medical Exam

  • Ethos life insurance offers no exam life insurance policies with A+ rated insurance companies (A.M. Best). You can get a quote from Ethos online or by calling their customer care number. Ethos only offers term life and final expense whole life insurance with no cash value component. They do not offer universal life insurance.
  • Bestow life insurance is an A+ rated insurance company (A.M. Best) that offers a no exam life insurance policy. You can apply for coverage online in just a few minutes, and you’ll get a decision instantly. Bestow only offers a term life insurance policy. They do not offer a whole life insurance policy or universal life insurance with a cash value component.

The Best Life Insurance Companies For Seniors

Assurity

Since 1890, Assurity has been a stable and strong company. They have always been able to provide benefits to protect you and your family. We also offer service with a human touch. We are committed to giving back to our community and practicing sustainability for the good of our planet.

Transamerica

Since 1906, Transamerica has been a company that encourages innovation. They strive to be at the forefront of new product development in order to provide you with the best possible options. Transamerica offers a wide range of life insurance policies, including whole life, term, and universal life policies.

Nationwide

Since 1925, Nationwide has been committed to providing quality protection for our policyholders. We offer a variety of life insurance policies, including each type of permanent life insurance policy: whole life, term, and universal life insurance policies. We are also one of the largest providers of annuities in the United States.

New York Life

New York Life is one of the oldest and most respected life insurance companies in existence. They have been serving policyholders since 1845. They offer a wide range of life insurance policies, including whole life, term, variable, and universal life insurance policies. We also offer a variety of annuities and investment products.

AIG

Since 1919, AIG has been providing quality protection for our policyholders. We offer a wide range of term life insurance plans, a universal life insurance policy, and a guaranteed issue whole life insurance policy. We are also one of the largest providers of annuities in the United States.

Prudential

Prudential was founded in 1875 with the mission to provide quality protection for our policyholders. We offer a wide range of life insurance products, including whole life, term, and universal policies. We are also one of the largest providers of annuities in the United States.

MetLife

MetLife was founded in 1863 with the mission to provide quality protection for our policyholders. We offer a wide range of life insurance products, including whole life, term, and universal policies. We are also one of the largest providers of annuities in the United States.

Banner Life

Banner Life is another top company in the industry. They offer a variety of life insurance products, including whole life, term, and universal policies. Banner is rated A by AM Best Company and has been in business for over 100 years, and has a long history of providing quality coverage.

Lincoln National Life Insurance Company

Lincoln National Life is another top life insurance carrier in the industry. They offer a variety of permanent life insurance and term life policies. Lincoln National is rated A+ by AM Best Company and has been in business for over 100 years, and has a long history of providing quality coverage.

North American Company for Life and Health Insurance

North American Company for Life and Health Insurance is another top company in the industry. They offer a variety of permanent life insurance policies and term life insurance policies. North American is rated A+ by AM Best Company and has been in business for over 100 years, and has a long history of providing quality coverage.

Guardian Life Insurance Company of America

Guardian is another top life insurance provider in the industry. They offer a variety of permanent life insurance policies and term life plans. Guardian is rated A++ by AM Best Company and has been in business for over 150 years, and has a long history of providing quality coverage.

The best life insurance companies for seniors also include:

  • Protective
  • National Western
  • Baltimore Life
  • Ethos
  • Sons of Norway

Conclusion

The Best Life Insurance Companies

These are just a few of the best life insurance companies to consider for your needs. All of these companies are rated highly by independent rating organizations and have a long history of providing quality coverage with high financial strength ratings. When purchasing life insurance coverage, it is important to compare quotes from several different companies to find the best life insurance policy that meets your needs. Be sure to consult with us, a licensed life insurance agent, to ensure that you are getting the best policy for your needs at the cheapest premium payments possible.

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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