01
New York Life
One of America's oldest and most financially secure life insurers, offering diverse permanent and term policies with guaranteed cash value growth and a strong 170+ year dividend history.
▲ Steady·Score +18
Life Insurance
Best Life Insurance Policies and Companies for Every Stage of Life
Protect your family's financial future with the right life insurance policy. Compare term, whole, and universal options from top-rated providers.
Pick your favorites · Every vote moves the ranking · Results update live
02
Banner Life
Offers some of the most competitive term life rates in the market, making it ideal for budget-conscious families who need maximum coverage at minimum monthly premium cost.
▲ Steady·Score +12
03
Lincoln Financial Group
Known for strong indexed universal life products with upside market potential and downside protection, plus excellent living benefits riders for chronic illness coverage and early access to benefits.
▲ Steady·Score +9
04
MassMutual
A highly-rated mutual company offering competitive whole life insurance with dividend participation, flexible term policies, and excellent policy conversion options for changing life needs.
▲ Steady·Score +8
05
Prudential Financial
Offers a wide range of term and permanent life products with unique features like the BenefitAccess rider for chronic or terminal illness and consistently strong financial strength ratings.
▲ Steady·Score +7
06
Nationwide Life Insurance
Provides strong universal and variable life products with no-lapse guarantees, plus excellent customer service and competitive pricing for healthy applicants across all life stages.
▲ Steady·Score +7
07
Transamerica Life Insurance
Offers competitive whole and term life policies with focus on living benefits — coverage that can be accessed if you develop a qualifying chronic, critical, or terminal illness before death.
▲ Steady·Score +7
08
Haven Life
A digital-first life insurer backed by MassMutual offering affordable term policies that can be applied for and issued 100% online in minutes without medical exams for qualifying applicants.
▲ Steady·Score +7
09
Ethos Life
A fully online life insurer offering instant term life coverage up to $2 million with no medical exam required for most applicants — the entire application takes under 10 minutes to complete.
▲ Steady·Score +4
10
Pacific Life
Excellent for universal life insurance products offering flexible premiums, strong investment options, and competitive indexed universal life policies tied to market index performance.
▲ Steady·Score +3
11
Northwestern Mutual
Consistently rated the highest financially stable life insurer in the US, Northwestern Mutual offers whole life, term, and universal policies with exceptional dividend performance and personalized financial planning.
▲ Steady·Score +2
12
Ladder Life Insurance
Unique flexible term life insurance letting you adjust your coverage amount up or down as financial needs change — perfect for young families with evolving financial obligations and protection needs.
▲ Steady·Score +1
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“New York Life”
Currently ranked #1. Where will it be in 7 days?