Best Life Insurance: A Guide for Finding the Right Coverage

Shawn Plummer

CEO, The Annuity Expert

Choosing the best life insurance plan is an important decision that you will make in your lifetime. Whether it’s for yourself or someone else, you will want to know what type of coverage and benefits are available so you can find a plan that fits your needs. In this guide, we will discuss the different types of coverage and how they differ from one another so you can decide which option is right for you.

This guide will answer the following questions:

  • What is the best life insurance companies?
  • What’s the best life insurance to get?
  • What’s the best life insurance for over age 50?
  • Who has the best life insurance rates?
  • What’s the best life insurance for seniors?

Compare the best life insurance quotes to find the best plan for your needs.

The Best Life Insurance Companies

The following are the best life insurance companies that pay out and by financial ratings.

ProviderA.M. Best RatingS&P Rating
American General (AIG) Life Insurance CompanyAA+
Pacific Life Insurance CompanyA+AA-
Banner Life Insurance CompanyAA+AA-
Prudential Life Insurance CompanyA+AA-
Protective Life Insurance CompanyA+AA-
Ethos Life Insurance CompanyA+AA-
Transamerica Life Insurance CompanyAA+
Gerber Life Insurance CompanyAN/A
John Hancock Life Insurance CompanyA+AA-
North American Life Insurance CompanyA+A+
Savings Bank Life Insurance (SBLI) CompanyAA-
Assurity Life Insurance CompanyA-N/A
Lincoln National Life Insurance CompanyA+AA-
Nationwide Life Insurance CompanyA+A+

The Best Life Insurance For Seniors

The following plans are the best life insurance for senior citizens.

The Best Life Insurance Rates

These policies offer the best life insurance rates.

The Best Life Insurance For Adults

The following policies are the best life insurance for applicants in their 30s and 40s.

The Best Life Insurance For Over 50

The following policies are the best life insurance for applicants over the age of 50.

The Best Life Insurance For Young Adults

The following plans offer the best life insurance under 30.

The Best Life Insurance No Medical Exam

The following companies offer the best life insurance, no exam is required. These policies are perfect for applicants with pre-existing conditions.

The Best Life Insurance For Kids

The following is the best life insurance policy for a child.

The Best Life Insurance For A Family

The following plans are the best life insurance for families and new parents.

The Best Life Insurance For The Elderly

The following are the best life insurance policies for elderly applicants.

The Best Life Insurance With Living Benefits

The following plans are the best life insurance with living benefits to help pay for critical illness and terminal illness expenses while the insurance is alive.

The Best Life Insurance That Provides An Instant Decision

The following plans are the best life insurance with no waiting period.

The Best Life Insurance To Cover Your Mortgage

The following plans are the best life insurance policies to use to protect your mortgage payment if you die prior to having the house paid off. (mortgage insurance).

The Best Life Insurance With Cash Value

The following plans are the best life insurance investment for saving money.

The Best Life Insurance For Smokers

The following plans offer the best life insurance rates for smokers.

The Best Life Insurance Whole Life

The following policies offer the best whole life coverage.

The Best Life Insurance With Long-Term Care Rider

The following life insurance policy is designed to be used as long-term care insurance.

The Best Life Insurance For Over 70

The following policies are the best life insurance for applicants over the age of 70.

  • Gerber Guaranteed Issue Life Insurance
  • Ethos
  • Transamerica Term Insurance
  • United of Omaha Term Life Insurance

The Best Life Insurance For Married Couples

The following policies offer survivorship coverage for married couples. For young married couples, see the best plans for young adults.

  • Allianz
  • American General (AIG)
  • Nationwide
  • Principal

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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