Corebridge Life Insurance Review: What Happened to AIG and American General?
Corebridge Financial is the new name for AIG’s life insurance division, which became an independent company in September 2022. Your coverage remains unchanged if you have an existing AIG or American General policy. Corebridge offers term life, whole life, universal life, and final expense insurance through the same issuing companies (American General Life Insurance Company, […]
Colonial Penn Life Insurance Review: 5 Pros & Cons You Should Know
Colonial Penn life insurance isn’t worth it for most people. While you’re guaranteed acceptance regardless of health, you’ll pay significantly more for less coverage compared to other final expense insurers like Gerber Life, AIG, or Great Western. Colonial Penn’s $9.95-per-month “unit” plan offers decreasing death benefits as you age — for example, $1,669 at age […]
Royal Neighbors Final Expense Insurance Review
Royal Neighbors of America offers Ensured Legacy Final Expense insurance for adults ages 50-85. Coverage ranges from $3,000 to $40,000 depending on the plan type. Three options are available: Simplified Issue for healthy applicants, Graded Death Benefit for those with health conditions, and Guaranteed Issue with no health questions. No medical exam is required for […]
Bestow Life Insurance Review
Bestow Life Insurance was sold to Sammons Financial Group in 2024 and renamed Lantern Insurance Company. Existing Bestow policies remain valid and are backed by A+ rated carriers. Lantern stopped accepting new applications in August 2025, so current policyholders should consider securing additional or replacement coverage now. If you’re searching for a Bestow life insurance […]
Zander Life Insurance Review
Zander Insurance is an independent life insurance agency founded in 1925 that offers term life policies through multiple A-rated carriers like Protective, Banner Life, and Mutual of Omaha. Endorsed by Dave Ramsey, Zander provides coverage up to $10 million with terms from 10 to 30 years. They only sell term insurance, not whole life or […]
Assurity Life Insurance Review: Ratings, Products & Pros and Cons
Assurity Life Insurance is a Nebraska-based mutual company with an A- (Excellent) AM Best rating. Founded in 1890, they offer term life and final expense insurance with simplified underwriting options. They’re the largest insurance company to earn B Corp certification. If you’re shopping for affordable life insurance with straightforward underwriting, Assurity Life deserves a look. […]
Foresters Life Insurance Review: Ratings, Products & Member Benefits
Foresters Financial is a fraternal life insurance company with over 150 years of history and an A (Excellent) AM Best rating held for 25 consecutive years. They offer term, whole life, and universal life insurance with unique member benefits like scholarships and community grants. Coverage is available in all U.S. states except New York. Foresters […]
Penn Mutual Life Insurance Review
Penn Mutual is a mutual life insurance company founded in 1847 with $64 billion in assets and a record $300 million dividend payout announced for 2026. The company offers 13 different life insurance policies, maintains an A+ rating from A.M. Best, and has one of the lowest complaint ratios in the industry at just 6% […]
Country Financial Life Insurance Review
Country Financial life insurance is rated A+ (Superior) by AM Best with over 90 consecutive years in the highest rating category. Forbes named them the #1 life insurance provider in the U.S. for 2024. They offer term, whole, and universal life policies in 19 states with coverage ranging from $50,000 to over $1 million. Originally […]
Pacific Life Insurance Review: Ratings, Term Life & PAL+ Underwriting
Pacific Life is a highly-rated insurance company founded in 1868 with A+ ratings from A.M. Best and the BBB. They offer PL Promise Term life insurance with 10 to 30-year terms and coverage starting at $50,000. Their PAL+ accelerated underwriting program allows qualifying applicants to get up to $3 million in coverage without a medical […]
National Western Life Insurance Company Review
National Western Life Insurance Company (NWL) is an A-rated life insurance carrier founded in 1956 and now owned by Prosperity Life Group. The company specializes in indexed universal life (IUL) insurance and annuities with simplified underwriting. NWL is licensed in 49 states (not New York) and maintains over $12 billion in total assets. National Western […]
Auto-Owners Life Insurance Review
Auto-Owners Life Insurance is a regional carrier offering term, universal, and whole life policies in 26 states. The company earns strong financial ratings (A+ from AM Best) but is primarily known for auto and home insurance. Their life insurance is sold exclusively through independent agents with no online quotes available. If you’re looking for competitive […]
Ethos Life Insurance Review
Ethos Life Insurance is a digital insurance platform that connects customers with policies from top-rated carriers like Legal & General America, Protective, Trustage, Ameritas and John Hancock. You can apply online in about 10 minutes, often without a medical exam, and get approved instantly for term coverage up to $3 million or guaranteed whole life […]
Lincoln National Life Insurance Company Review
Lincoln National Life Insurance Company (operating as Lincoln Financial Group) ranks as America’s fifth-largest life insurer with A/A+ financial ratings and $347 billion in assets. Founded in 1905, Lincoln offers term life, indexed universal life, and variable universal life insurance with unique non-smoker rates for cigar and pipe tobacco users, plus fully digital applications on […]
Fabric Life Insurance Review
Fabric by Gerber Life offers affordable term life insurance designed for busy parents. You can apply online in about 10 minutes and get up to $1.5 million in coverage without a medical exam. Policies are backed by Western-Southern Life Assurance Company, an A+ rated insurer. Coverage is available in most states except New York. Getting […]
Phoenix Life Insurance Review (Now Nassau Life)
Phoenix Life Insurance, now operating as Nassau Life Insurance Company, holds a B++ (Good) AM Best rating as of February 2025. The company offers no-exam term life insurance through its Safe Harbor Term product (10-30 year terms) and final expense coverage through Remembrance Life. With over 170 years in the industry and $25.6 billion in […]
Costco Life Insurance Review
Costco life insurance is underwritten by Protective Life and offers term life coverage with reduced member premiums for the first five years. You can choose from 10, 20, or 30-year terms with death benefits from $100,000 to $5 million, but you’re limited to a single carrier and product type compared to shopping the open market. […]
SelectQuote Life Insurance Review
SelectQuote is a legitimate insurance brokerage founded in 1985 and publicly traded on the NYSE (SLQT). It’s not an insurance company itself but an independent agency that compares quotes from 50+ carriers. SelectQuote Life Insurance offers free quotes and works well for healthy applicants seeking competitive term life rates. However, its call center model and […]
American Amicable Life Insurance Review
American Amicable Life Insurance Company of Texas, founded in 1910 and now part of iA Financial Group, is rated A (Excellent) by AM Best. The company specializes in no-medical-exam life insurance, offering term, final expense whole life, and universal life policies with simplified underwriting for ages 0 to 85. Are you thinking about American Amicable […]
Mutual Trust Life Insurance Review: Ratings, Products & Dividends
Mutual Trust Life Insurance Company, now operating as Mutual Trust Life Solutions under Pan-American Life Insurance Group, holds an A.M. Best “A” (Excellent) rating and has paid dividends for 120+ consecutive years. The company offers term life, whole life, and indexed universal life policies in 49 states. Looking for a life insurance company with a […]
Vantis Life Insurance Review: Company Status and Policyholder Guide
Vantis Life Insurance Company stopped accepting new policy applications in late 2022. The company remains in operation to service existing policyholders, with continued backing from parent company Penn Mutual. If you currently have a Vantis policy, your coverage remains valid. If you’re shopping for new life insurance, you’ll need to explore other carriers. Vantis Life […]
Aflac Life Insurance Review
Aflac is a Fortune 500 company best known for supplemental health insurance, but it also offers term, whole, and juvenile life insurance. Most Aflac life insurance policies are sold through employers on a guaranteed issue basis, though the company has expanded into direct-to-consumer options. Aflac holds an A+ (Superior) rating from AM Best with a […]
TruStage Life Insurance Review
TruStage is a legitimate life insurance brand backed by CMFG Life Insurance Company, which holds an A (Excellent) rating from AM Best. TruStage offers term, whole life, and guaranteed acceptance policies through 3,200+ credit unions nationwide. No medical exam is required for any policy, and most applicants get an instant decision online. If you’ve seen […]
Brighthouse Financial Life Insurance Review
Brighthouse Financial is an independent life insurance and annuity company that separated from MetLife in 2017. They offer term life insurance, indexed universal life insurance, and hybrid life-long-term care policies. With strong financial ratings (A from A.M. Best, A3 from Moody’s) and over 2.7 million policies in force, Brighthouse serves customers nationwide through licensed financial […]
Ladder Life Insurance Review
Ladder Life Insurance offers term life policies from $100,000 to $8 million with no medical exam required for coverage up to $3 million. The company stands out for its “laddering” feature that lets you adjust coverage anytime without canceling your policy. Ladder is available in all 50 states to applicants ages 20-60 and is backed […]
Haven Life Insurance Review
Haven Life stopped accepting new life insurance applications on January 12, 2024, and closed completely by March 31, 2024. If you have an existing Haven Life policy, your coverage remains safe and active under MassMutual, one of America’s highest-rated insurers with A++ financial strength ratings. However, Haven Life policyholders should consider shopping for new coverage […]
TIAA Life Insurance Review
It’s never too early to start thinking about life insurance coverage. With an effective life insurance policy in place, you can rest easy knowing your family will be taken care of if you’re not around. Still, choosing the best policy from the right company can seem overwhelming with so many carriers and policy options. If […]
New York Life Insurance Review: Ratings, Products & Pros/Cons
New York Life is the largest mutual life insurance company in the United States, with the highest financial strength ratings from all four major rating agencies (A++ from AM Best, AAA from Fitch, Aa1 from Moody’s, and AA+ from S&P). The company excels at whole life insurance and pays dividends to policyholders, but their term […]
GEICO Life Insurance Review
GEICO doesn’t sell, underwrite, or service life insurance policies. When you click “Life Insurance” on GEICO’s website, you’re redirected to third-party brokerages like Life Quotes Inc., Fidelity Life/eFinancial, or Ladder Insurance Services. These companies connect you with carriers that offer term, whole, and universal life insurance. Your policy is issued by a separate insurance company […]
Best Life Insurance Companies: Top Rankings
The best life insurance companies of 2025 include Corebridge for flexible term options, Banner for low-cost policies, and Pacific Life for universal life insurance. All maintain A+ ratings and competitive rates. This guide compares the top 10 providers based on 30 years of industry expertise, helping you find the right coverage for your needs, health […]
Globe Life Insurance Review
Globe Life Insurance offers affordable coverage with a heavily advertised $1 first-month promotion, but rates increase significantly after that. While Globe Life is a legitimate A-rated company with over $90 billion in coverage, their term policies renew every five years with rate increases, making them more expensive than traditional level-term options from competitors over time. […]
Gerber Life Insurance Review
Gerber Life Insurance is a financially strong company with an A+ (Superior) rating from AM Best. Owned by Western & Southern Financial Group, Gerber offers term life, whole life, and guaranteed issue policies for children and adults. Their guaranteed issue plan accepts applicants ages 50 to 80 with no health questions, though it comes with […]
AICPA Life Insurance Review
AICPA life insurance is a group coverage program offered exclusively to members of the AICPA and State Societies of CPAs through Prudential. While it offers convenient, no-exam approval for many applicants, the age-bracketed rates increase every five years and then annually starting at age 50. For healthy CPAs, an individual term life policy with level […]
Prudential Life Insurance Review
Prudential Life Insurance offers term, universal, and variable life products backed by 150 years of experience and $1.5 trillion in assets under management. The company holds A+ ratings from AM Best and AA- from S&P Global. Prudential works best for buyers seeking permanent life insurance with cash value features, though its below-average customer satisfaction scores […]
Transamerica Life Insurance Review
Transamerica is a financially stable life insurance company with 120+ years of history and an A (Excellent) AM Best rating. They offer competitive term life rates and flexible final expense options, though customer satisfaction scores rank below average. Best for healthy applicants seeking affordable term coverage or seniors needing burial insurance. Transamerica has been selling […]
Sagicor Life Insurance Review
Looking for a whole life product that will cover a wide range of aging policyholders? Sage Whole Life by Sagicor Life Insurance is a non-participating whole life policy that will maintain coverage as long as the policy is in force, and offers a guaranteed premium, along with cash value and death benefit. We know that […]
Protective Life Insurance Review
Protective Life Insurance is an A+ rated (AM Best) company founded in 1907 and now owned by Dai-ichi Life Holdings. Their Classic Choice Term product offers 10 to 40 year terms with coverage from $100,000 to $50 million. Protective is known for competitive term rates, a flexible conversion option, and strong financial stability. If you’re […]
Principal Life Insurance Review
Principal Life Insurance Company is a financially strong, A+ rated insurer (AM Best) founded in 1879. They offer term life, universal life, indexed universal life, and variable universal life policies. Principal is known for competitive term life rates, flexible underwriting through their Healthy Lifestyle Credits Program, and an accelerated underwriting process with approvals in as […]
AXA Equitable Life Insurance Company Review
In putting together any financial plan, it is likely that most people should at least consider life insurance. One reason for is loved ones and survivors can use the cash from the proceeds to help avoid financial hardship. You may not have heard of AXA, but they are still worth considering. Unlike other companies like […]
Nationwide Life Insurance Review
When you’re going through the process of creating a financial plan, there is a good chance that you may need to include life insurance. This is because life insurance proceeds can be used by survivors for many different things, such as paying off debts, and/or continuing to pay their everyday living expenses. Having these funds […]
Fidelity Life Insurance Review
Fidelity Life Association is a life insurance company founded in 1896, now owned by iA Financial Group. They hold an A- (Excellent) AM Best rating with a positive outlook and specialize in no-medical-exam policies through their RAPIDecision platform. Fidelity Life is licensed in 48 states plus Washington D.C. (not available in New York or Wyoming) […]
AAA Life Insurance Review: Rates, Products & Ratings
AAA Life Insurance Company holds an A (Excellent) rating from AM Best and offers term life, whole life, final expense, and universal life policies in every state except New York. With over 1.8 million active policies, AAA is a financially stable carrier known for simplified underwriting options and member discounts. You don’t need to be […]
Banner Life Insurance Review
Banner Life Insurance is a top-rated term life insurance company currently owned by Legal & General America, with a pending sale to Meiji Yasuda expected to close in late 2025. The company holds an A+ (Superior) rating from A.M. Best and offers term policies from 10 to 40 years. Banner Life is known for competitive […]
Farmers Life Insurance Review
Farmers Life Insurance offers term, whole, and universal life policies through Farmers New World Life Insurance Company. The company holds an A (Excellent) rating from A.M. Best and has complaint levels close to the industry average. Farmers isn’t available in New York State, and minimum coverage amounts run higher than some competitors. Farmers Life Insurance […]
Allstate Life Insurance Review (What Changed in 2021)
Allstate is a well-known insurance brand, but it no longer underwrites its own life insurance policies. In 2021, Allstate sold its life insurance division to Blackstone, and those policies are now managed by Everlake Life Insurance Company. Today, Allstate agents sell term and permanent life insurance from third-party carriers like Protective Life and John Hancock. […]
Primerica Life Insurance Review: Pros, Cons and What to Know
Primerica is a legitimate, financially strong life insurance company rated A+ (Superior) by AM Best. They sell only term life insurance through a network of independent representatives, with term lengths from 10 to 35 years. The main limitation is that Primerica agents can only sell Primerica products, so you can’t compare rates from other carriers […]
AARP Life Insurance Review & Rates
AARP life insurance is underwritten by New York Life Insurance Company and offered exclusively to AARP members age 50 and older. It includes three products: term life (up to $150,000), permanent whole life (up to $100,000), and guaranteed acceptance (up to $30,000). While convenient with no medical exams, AARP policies typically cost significantly more than […]
State Farm Life Insurance Review
State Farm is a financially strong life insurance company rated A+ by AM Best with low complaint ratios. They offer term, whole, universal, and final expense policies. The biggest drawbacks are higher-than-average premiums, captive agents who only sell State Farm products, and strict underwriting for applicants with health issues. Comparing quotes from multiple carriers can […]
William Penn Life Insurance Review
William Penn Life Insurance Company of New York is the New York subsidiary of Banner Life Insurance Company, now owned by Meiji Yasuda Group. William Penn sells term life and universal life insurance exclusively to New York residents. The company carries an AM Best A+ (Superior) rating and has protected policyholders for over 75 years. […]
USAA Life Insurance Review
USAA life insurance is a strong choice backed by an A++ AM Best rating and over 100 years of financial stability. While the company is best known for serving military families, its life insurance products are available to all U.S. citizens and permanent residents. USAA offers term, whole, and universal life policies with coverage up […]
Life Insurance Company of The Southwest Review
Life Insurance Company of the Southwest (LSW) is a subsidiary of National Life Group, founded in 1848 and headquartered in Montpelier, Vermont. LSW holds an A+ (Superior) rating from AM Best and offers term life, whole life, and universal life insurance. Their EZ Underwriting program allows qualified applicants ages 18 to 65 to get up […]
North American Life Insurance Review: Ratings, Products & Pros and Cons
North American Company for Life and Health Insurance is an A+ rated carrier (AM Best, S&P, and Fitch) that’s been in business since 1886. They offer competitive term life insurance through their ADDvantage Term product with 10, 15, 20, and 30-year options. Living benefits for critical, chronic, and terminal illness come included at no extra […]
Mutual of Omaha Life Insurance Review
Mutual of Omaha is an A+ rated insurance company offering Living Promise whole life insurance for final expenses and Term Life policies for income protection. Their Living Promise policy provides $2,000 to $50,000 in burial insurance coverage for ages 45-85, with options for first-day coverage or a graded benefit plan for those with health conditions. […]
SBLI Life Insurance Review: Ratings, Products & What to Know
SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) is a mutual life insurance company founded in 1907. They offer term and whole life insurance in 49 states plus D.C. SBLI holds an A (Excellent) rating from AM Best and an A+ from the BBB, with over $3 billion in assets. SBLI has been […]
MassMutual Life Insurance Review
MassMutual is one of the strongest life insurance companies in America, with an A++ (Superior) rating from AM Best and over 170 years in business. They offer term life insurance in 10, 15, 20, 25, and 30-year terms, plus whole life and universal life options. As a mutual company, eligible policyholders can earn dividends. MassMutual […]
Northwestern Mutual Life Insurance Review
Northwestern Mutual is one of the most financially stable life insurance companies in America, with the highest financial strength ratings awarded to any U.S. life insurer for 35 consecutive years. They specialize in dividend-paying whole life insurance and offer term, universal, and combination policies. You’ll need to work with a Northwestern Mutual advisor to get […]
Guardian Life Insurance Review
Guardian Life Insurance holds an A++ (Superior) rating from AM Best and ranks #2 in J.D. Power’s customer satisfaction study. Founded in 1860, this mutual company paid a record $1.6 billion dividend to policyholders in 2024. Guardian excels at whole life insurance with strong cash value growth, though term life rates tend to be higher […]
Genworth Life Insurance Review
*2018 Update – Genworth no longer sells life insurance policies including no medical exams and traditionally underwritten policies.* Not only are there different types of life insurance policies. There are also many different life insurance companies. When you start looking for the perfect insurance company, you can quickly become overwhelmed by the thousands of different […]