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Financial Strength Rating: ExceptionalNAIC complaints: Close to expectedPolicies offered: Term, permanent & no-examOnline Purchase: YesPros:
- Policies include at least 2 no-cost living benefit riders
- Offers return-of-premium (ROP) term
- No exam needed on some policies
- Wide range of riders available
Cons:- No variable universal or traditional whole life insurance
- Not as many term lengths as other insurers
- Age restrictions can vary by state
Based in Nebraska, Mutual of Omaha is a mutual company owned by its policyholders. Along with life insurance, it offers a range of insurance products -
Financial Strength Rating: ExceptionalNAIC complaints: Fewer than expectedPolicies offered: Term, permanent & no-examOnline Purchase: NoPros:
- No-medical-exam coverage
- Policies are underwritten by New York Life
- Online application available
Cons:- Few riders
- Low coverage limits
- Only available for AARP members
The AARP Life Insurance Program offers policies that are underwritten by New York Life. If you’re an AARP member, you can purchase term life or -
Financial Strength Rating: StrongNAIC complaints: Fewer than expectedPolicies offered: Term, permanent & no-examOnline Purchase: YesPros:
- Most applicants don't need to take a medical exam
- Offers both term and whole life insurance online
- Fully digital application
Cons:- No live chat feature, which is unusual for insurtechs
- Can't customize coverage with riders
Ethos offers a streamlined online application process that doesn’t require a medical exam for most applicants, and its policies are underwritten by established insurers with -
Financial Strength Rating: ExceptionalNAIC complaints: Far fewer than expectedPolicies offered: Term & permanentOnline Purchase: NoPros:
- Term, whole, and universal policies available
- Term policies can be applied for online
- High age limits for some permanent policies
Cons:- No online quotes or applications for permanent policies
- Longer term policies have relatively low age restrictions
- Minimal policy details on the site
Guardian Life Insurance Company was founded in 1860 and provides individual life insurance. They also offer investment management, disability, business insurance, and benefits such as -
Financial Strength Rating: ExceptionalNAIC complaints: Far fewer than expectedPolicies offered: Term, permanent & no-examOnline Purchase: YesPros:
- Wide range of term and permanent life insurance policies
- Offers an instant life insurance policy
- Supports online claims
Cons:- No online application for permanent policies
- Most policies require a medical exam
Founded in 1851, Massachusetts Mutual Life Insurance Co. is one of the largest life insurers in the United States. It offers a broad range of -
Financial Strength Rating: ExceptionalNAIC complaints: Far fewer than expectedPolicies offered: Term & permanentOnline Purchase: NoPros:
- Excellent customer satisfaction
- Top-tier financial stability
- Policies eligible for dividends
- No-medical-exam coverage available
Cons:- Can’t buy without an agent
- Online capabilities are lacking
Northwestern Mutual has been in the life insurance business for more than 160 years. It offers a variety of products nationwide, including life insurance, long-term -
Financial Strength Rating: ExceptionalNAIC complaints: Fewer than expectedPolicies offered: Term & permanentOnline Purchase: NoPros:
- Excellent financial stability
- Policies are eligible for dividends
- Broad selection of riders
- Policies available for 90-year-old applicants
- Very few complaints for its size
Cons:- Term policy periods capped at 20 years
- Difficult to find some information on the website
- No online quotes for term life insurance
- Does not have a mobile app
New York Life is a rock-solid company that’s great for someone seeking permanent life insurance, especially if they prefer to work with an agent rather -
Loan Amount: Loan AmounFinancial Strength Rating: ExceptionalNAIC complaints: Far fewer than expectedPolicies offered: Term, permanent & no-examOnline Purchase: NoPros:
- Outstanding customer satisfaction
- Cheap term coverage
- Policy details are online
- 90-year-olds are eligible for coverage
Cons:- No online quote
- Can’t apply without an agent
Founded in California in 1868, Pacific Life offers life insurance, annuities and investment products to individuals and businesses across the United States. They sell term -
Financial Strength Rating: ExceptionalNAIC complaints: Fewer than expectedPolicies offered: Term, permanent & no-examOnline Purchase: NoPros:
- A++ financial stability rating
- Outstanding customer satisfaction
- Whole life policies are eligible for dividends
- Offers return-of-premium term insurance
- Bundling option can save you money
Cons:- Poor price for term insurance
- No free living benefits
- Limited options for no-medical-exam policies
State Farm is a good choice for insurance, especially if you’re shopping for multiple policies. The company sells a wide range of insurance products at -
Financial Strength Rating: ExceptionalNAIC complaints: Fewer than expectedPolicies offered: Term, permanent & no-examOnline Purchase: NoPros:
- A++ financial stability rating
- Very few customer complaints
- Guaranteed insurability available at no additional cost
- Injury benefits
- Any time conversion rider available
Cons:- No-medical-exam policies are lacking
- Few policy types available
USAA provides a wide array of coverage to military personnel and their family members, including health, home, life, auto, small businesses, pets, renters, condo, personal
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