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The Best Life Insurance Companies | How We Chose the Best Life Insurance Companies

The Best Life Insurance Companies
The real trick is balancing excellent coverage with a premium you’re comfortable paying for. Life insurance prices vary by individual and by company, so be sure to compare quotes from multiple providers before settling on a policy. You can use our quote tool to get started



The 4 Best Life Insurance Companies

We evaluated more than 70 life insurance companies, choosing the four best based on their accessibility, financial strength, and coverage options:
State Farm — Best Term Life Insurance
Northwestern Mutual — Best Whole Life Insurance
New York Life — Best Life Insurance for Seniors
TIAA Life — Best Cheap Life Insurance

How We Chose the Best Life Insurance Companies

Accessibility

Before considering policy options or pricing, you have to find a provider that will actually cover you. As a preliminary step, we cleared our initial provider list of any companies that limit their customer base.
That meant nixing providers that only write employer-sponsored group policies (like MetLife) and those with special eligibility requirements (like USAA). We also made sure that each company writes policies in at least 40 states, so you won’t have trouble finding coverage in your area.

Financial strength

Financial security is the backbone of insurance — after all, a provider is only as good as its ability to pay out on a claim if need be. Luckily, there are a number of independent agencies that do the work of evaluating insurers’ financial health for you.
We checked the three most prominent ratings agencies to make sure all of our top picks had reliable financial backing. Every provider earned “Superior” scores from A.M. Best, which focuses solely on insurance, as well as top ratings from both S&P Global and Moody’s. Each one is guaranteed to have the funds to pay out on your death benefit, should it come to that.

Coverage options

After vetting each company for availability and financial strength, it was time for a deep-dive into coverage details. We looked for providers with plenty of add-ons or “riders.” When tacked onto your insurance, these can bolster your coverage against unforeseen circumstances like accidental death or disability. Some even make all or part of the death benefit available during your lifetime in the case of a critical illness.

The Best Life Insurance Companies

State Farm — Best for Term Life Insurance:-

Variety of term life plans

Unlike most companies — which carry one or two term life options — State Farm offers four different plans to help customers match their coverage to their financial goals.
  • Select Term is boilerplate, affordable term coverage that lasts for 10, 20, or 30 years.
  • Return of Premium insurance is more expensive but allows you to recoup paid premiums if you outlive the policy.
  • Mortgage Term Life lasts 15 or 30 years. It decreases in coverage (and cost) as your mortgage is paid off over time.
  • Instant Answer Term provides up to $50,000 of coverage for those who do not wish to take a medical exam.

Generous extension opportunities

Your coverage needs could change at any time; e.g., if you need to take out a second mortgage or provide long-term care for a family member. This means it’s important to look for term insurance that can be extended if necessary. State Farm has some of the most lenient allowances in that department.
The company lets you renew term coverage through age 95 or convert to a permanent policy through age 75, all without taking a medical exam. By comparison, many companies do require a second health exam, meaning prices could go up drastically. Some companies, like New York Life, even require you to purchase an additional rider for conversion privileges. State Farm provides the option at no additional cost to you.

Best-in-class customer service

As of 2017, State Farm is enjoying its fourth consecutive year as J.D. Power’s top-ranked company for customer satisfaction. The J.D. Power survey (which polled more than 6,000 life insurance customers) measures satisfaction with policy options, billing and statements, and quality of service — and State Farm scored top marks in every category. We’re confident that State Farm will be easy to work with and won’t muddy the claims process or add stress during an already difficult time.

Good customer resources

Life insurance is pretty complex, so we appreciate that State Farm has taken steps to simplify the shopping process. First, it offers quotes for term life insurance online. Not all providers do, and it’s hugely convenient when comparison shopping.
The Best Life Insurance Companies | How We Chose the Best Life Insurance Companies
State Farm is also one of the few providers that lets you file claims online andprovides a checklist of information you’ll need to do so. Most companies tiptoe around the subject of claims and make information scarce, so State Farm’s straightforward approach is refreshing.

Points to consider

Rigid term lengths

State Farm only offers 10-, 20-, and 30-year term lengths (unless you opt for its 15-year mortgage insurance). That means it’s not the best for people with very specific term needs: say, someone who only wants coverage for 12 years until their child moves out. If you’d prefer a more tailored term, we suggest checking out New York Life, which lets customers choose any length between 10 and 20 years.

Likely not your cheapest option

In our review of the best cheap life insurance, State Farm quoted slightly higher premiums that other companies we tested, including TIAA Life, Transamerica, and New York Life.
Of course, premium comparisons need to be taken with a grain of salt. Life insurance quotes are highly personal, so State Farm may still end up being the right choice for you. Try getting quotes from a few different companies to see how your coverage and pricing options stack up.

Other top term life insurance companies to consider

More top picks from our review of the best term life insurance
  • State Farm — Best Customer Service
  • TIAA Life — Easily Convertible Policies
  • New York Life — Most Flexible Terms
  • Northwestern Mutual — Best for Whole Life Insurance

  • Why we chose it

    Diverse policy riders

    While riders are important for any life insurance policy — and all of our top picks offer a good selection — they’re especially critical for whole life insurance. Since your policy will be with you for the long haul, it should be able to adapt to all of life’s changes. That’s a big reason we recommend Northwestern Mutual for permanent insurance.
    Northwestern Mutual has one of the best coverage selections we’ve seen, with 15 of the 16 popular riders we looked for. These can extend coverage to children or a spouse, excuse premiums if you become disabled, release the death benefit early in case of terminal illness, and more. With Northwestern Mutual, you’ll be able to build a policy that provides much bigger value than a death benefit alone.

    Flexible entry point

    We generally recommend whole life insurance for people with larger assets, as premiums tend to be expensive (around a few hundred dollars per month). That said, permanent insurance should still be accessible if you want it; companies shouldn’t bar entry with sky-high coverage requirements.
    Northwestern Mutual’s whole life coverage starts at just $25,000, while some companies set their minimums at $100,000 or more. If you’re interested in whole life but not ready to buy into a huge policy, Northwestern Mutual makes it easier to get started with a reasonably sized benefit.

    Above-average customer ratings

    Northwestern Mutual is one of the few companies that scored five out of five for customer service in J.D. Power’s 2017 survey. It’s also considered “Better than most” across the board, from customer interaction to policy options and billing. That means you can count on helpful reps, easy payments, and responsive claims processing. Plus, should you need to use any riders during the course of your term (critical illness, disability, etc.), NWM makes accessing those benefits smooth and painless.

    Strong dividend performance

    One of the biggest benefits of a whole life policy is its cash value, and annual dividends are a great way to bolster that cash account. Dividends are never guaranteed; they depend on a company’s performance, your policy size, and other factors. But your best bet is to pick a provider with a strong historical dividend record — and Northwestern Mutual is a frontrunner in that race.
    Northwestern Mutual (which has been around since the 1800s) paid out its 147th year of continuous dividends in 2017. With $5.3 billion to be paid out in 2018, it’s expected to remain one of the biggest dividend-paying life insurance companies on the market. That makes it a pretty sure choice for earning a yearly bonus on your whole life insurance.
  • Points to consider

    Sub-par online resources

    Northwestern Mutual’s website is notably sparse. It offers very basic details on the types of insurance it carries and little else — all signs direct you to “take the next step” and contact an agent if you’d like to learn more.
    While you’ll have to talk with an agent eventually to get signed up, we prefer companies that provide policy information for shoppers to explore on their own first. That way you have the means to comparison shop without an agent putting the sell on. Many companies provide comprehensive learning centers or FAQs to empower shoppers; in this regard, NWM falls far behind the pack.

    No Child Term rider

    One popular rider not offered by Northwestern Mutual is Child Term, an add-on that lets you extend coverage to your children for a small additional fee. If that option is important to you, then we recommend looking at policies with either New York Life or State Farm — both of which do carry it.

    Other top whole life insurance companies to consider

    More top picks from our review of the best whole life insurance
  • New York Life — Best Life Insurance for Seniors

  • Why we chose it

    Range of death benefits

    New York Life’s Guaranteed Universal Life (GUL) insurance is a great option for seniors. The death benefits are flexible, with policies starting at just $25,000 but reaching as high as company retention limits will allow (read: in the millions).
    This is important for seniors, whose policy needs can range from the very small (for example, a few thousand dollars to cover funeral expenses) to extremely large (say, someone who wants to use life insurance as a channel for inheritance). Whatever your coverage requirements, New York Life likely offers a benefit fit to size.

    Generous age limits

    Seniors should be able to opt into life insurance when they’re ready, whether it’s at age 65 or 85. That’s why we’re so impressed by New York Life’s generous age-of-issue allowance. The company will issue GUL through age 85 with or without a medical exam.
    That “no-exam” qualifier is important, especially when it comes to seniors. For someone with a pre-existing health concern, an exam could mean much pricier insurance or even (in extreme cases) being denied coverage. New York Life is one of the few companies that will issue a brand-new policy without an exam so late in life.

    Survivorship insurance option

    New York Life also offers a Survivorship Universal Life option (and is one of only two top GUL companies to do so, along with Lincoln Financial). It delivers the same flexible payment plans and guaranteed death benefit of GUL, but with one big difference: SUL extends that coverage to two people and only pays out after the second spouse dies.
    SUL ensures that funds can be used to cover outstanding obligations, as well as taxes on any assets that the first spouse may have passed on to the second. New York Life’s SUL is a good option for two spouses that want sizeable, joint coverage without paying for two whole policies. Death benefits start at $250,000 and only max out at company retention limits.

    Points to consider

    Average customer resources

    While we stand by the quality of New York Life’s insurance products, we’re less blown away by its customer resources. There’s no online quote tool for easy price comparison, and unlike some companies (The Globe, for example), New York Life hasn’t yet developed a mobile app to make policy management convenient for its customers. Most every decision or change has to be made by speaking with a New York Life representative over the phone.

    Poor learning section

    To top it off, the FAQ on New York Life’s website is pretty unhelpful. The answers to basic questions (How much insurance do I need? How do I get a quote?) simply instruct you to contact an agent directly. We appreciate when companies are more open with information on their websites, allowing customers to shop around without the pressure of speaking to a salesperson. If you’re hoping to do most of your life insurance comparison shopping online, New York Life isn’t as accommodating as many other providers.

    Other top universal life insurance companies to consider

    More top picks from our review of the best life insurance for seniors
    • New York Life — Most Flexible Policies
    • Mutual of Omaha — Best Customer Service
    • American National — Best Range of Coverage
    • Banner Life — Most Flexible Payment Plans
    • Lincoln Financial — Best for Large Death Benefits
    • TIAA Life — Best for Cheap Life Insurance

    • Why we chose it

      Affordable term life

      In our review of the best cheap life insurance, we requested quotes for a variety of profiles: male and female, older and younger, smoker and non-smoker. TIAA came back with some of the cheapest quotes for every scenario, compared to State Farm, New York Life, and Transamerica.
      Of course, we can’t guarantee that TIAA will be your cheapest option. Quotes are highly personal — that’s why we recommend comparing a few providers before making your final decision. What we can say is that TIAA is likely to be among the most affordable and should make your list when comparison shopping for cheap life insurance.

      Opportunities for policy conversion

      Of course, the “best” insurance isn’t all about affordable premiums. TIAA also offers solid coverage. We’re particularly impressed with this company’s conversion allowance: TIAA will let you switch from term to whole life insurance at any point during the original policy, without taking a second medical exam.
      This policy is uncommonly flexible. Most companies limit the time frame for conversion or charge an additional fee for the privilege. We appreciate TIAA’s generosity in the face of life’s unpredictability.

      Easy application

      TIAA’s Life Wizard tool makes it a breeze to determine your death benefit needs, get a life insurance quote, and apply for coverage online. You can work through the whole process from start to finish in just a few minutes.
      By comparison, many other top companies (like New York Life or Northwestern Mutual) will only provide a quote if you call and speak with an agent directly. TIAA stands out for letting customers view and select their policy details on their own. Of course, if you prefer to have an agent help you through the process, that’s absolutely an option with TIAA as well.

      Points to consider

      Limited rider selection

      TIAA has the shortest roster of any of our top picks: eight popular riders, compared to 11 from State Farm or New York Life and 15 from Northwestern Mutual. Most notably, TIAA lacks accidental death, disability income, and long-term care riders. Our other top picks offer these and then some.
      That said, it’s important to remember that many riders are more crucial with a permanent policy than a term life policy. If coverage is set to expire while you’re still pretty young, then chances are lower that you’ll need to access the death benefit early. Consider term length and personal risk factors when choosing a provider — your own needs will determine whether TIAA is the right choice for you.

      No whole life option

      While most providers offer both types of permanent life insurance — whole and universal — TIAA strictly offers universal life policies. Universal life can be a good choice if you’re looking for permanent coverage at a lower cost; but anyone looking for whole life benefits, like a larger cash value, will have to choose a different company.

      Other cheap life insurance companies to consider

      More top picks from our review of the best cheap life insurance

      Guide to Life Insurance

      Life insurance is a big investment, and one you want to get right. Start with our in-depth guide to life insurance shopping to make sure you’re choosing the right policy and provider. We’ve summarized a few key points below.

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