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Power. &#34;<a href="https://www.jdpower.com/business/press-releases/2024-us-individual-life-insurance-study" class="pseudoStyle" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Life Insurers Miss the Mark on Clarity of Information and Personalization—Particularly Among Younger Customers, J.D. Power Finds</a>.&#34;", "Penn Mutual. &#34;<a href="https://www.pennmutual.com/about-us/news/press-releases/2023/11/penn-mutual-announces-record--200-million-dividend" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow sponsored">Penn Mutual Announces Record $200 Million Dividend Award to Policyholders</a>.&#34;", "Nevada Division of Insurance. &#34;<a href="https://doi.nv.gov/Consumers/Funeral-Insurance/" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Funeral Insurance</a>.&#34;" ] ,"mainEntityOfPage": { "@type": ["WebPage"] ,"@id": "https://www.investopedia.com/best-life-insurance-companies-4845858" ,"breadcrumb": { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "item": { "@id": "https://www.investopedia.com/life-insurance-4427715", "name": "Life Insurance" } } , { "@type": "ListItem", "position": 2, "item": { "@id": "https://www.investopedia.com/best-life-insurance-companies-5072162", "name": "Best Companies" } } ] },"reviewedBy": [ {"@type": "Person" ,"name": "Myles Ma" ,"url": "https://www.investopedia.com/myles-ma-8659750" } , {"@type": "Person" ,"name": "Eric Estevez" ,"url": "https://www.investopedia.com/eric-estevez-4799782" } ] ,"lastReviewed": "2024-11-06T15:40:52.900-05:00"} , "about": [ { "@context": "http://schema.org", "@type": "ItemList", "name": "10 Best Life Insurance Companies for November 2024", "description": "Compare the best life insurance companies. We evaluated costs, coverage, customer satisfaction, and more. Expert-rated picks include Nationwide, Banner, and Pacific Life.", "itemListOrder": "http://schema.org/ItemListOrderDescending", "numberOfItems": 10, "itemListElement": [ ] } , { "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What Is Life Insurance and How Does It Work?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Life insurance provides financial protection for your death. When you sign up, you pick how much coverage you want. If you die while covered, the insurance company pays your heirs the <a href=\"https://www.investopedia.com/terms/d/deathbenefit.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\">death benefit<\/a>. You must pay ongoing premiums to keep your life insurance policy active.<\/p>" } } , { "@type": "Question", "name": "Do I Need Life Insurance?", "acceptedAnswer": { "@type": "Answer", "text": "<p>You may <a href=\"https://www.investopedia.com/articles/personal-finance/091014/who-needs-life-insurance-who-doesnt.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\">need life insurance<\/a> if you have people depending on you, like a spouse or young children. It could replace your salary if you pass away unexpectedly. You may also need life insurance if you have large debts you’d like to cover for your family, like a mortgage, student loans, or final expenses. Finally, if you own a business, you could buy life insurance to protect your partners and cover the lives of key employees.<\/p><p>If you don’t have these needs now, consider whether they could come up in the future. You could set up life insurance to prepare now.<\/p>" } } , { "@type": "Question", "name": "What Are the Pros and Cons of Life Insurance?", "acceptedAnswer": { "@type": "Answer", "text": "<p>The main pro of life insurance is that it can protect your heirs against the cost of your death. You can buy a large amount of coverage for a small premium using term life. Life insurance can also build wealth for the future using cash value.<\/p><p>The main con of life insurance is that it costs money. You must pay the premiums to stay protected. It’s possible to pay years of premiums and not receive a death benefit payout because your coverage ends before you pass away. <\/p><p>Some permanent policies may also not be the best use of your funds. You may be better off getting an affordable term policy and investing the rest of your money rather than paying for a more expensive permanent policy.<\/p>" } } , { "@type": "Question", "name": "How Can You Get Cheap Life Insurance?", "acceptedAnswer": { "@type": "Answer", "text": "<p>You can get cheap life insurance by buying term life insurance, which is much more affordable than permanent coverage. You can focus on companies such as SBLI or Banner Life, which specialize in inexpensive policies. Get multiple quotes to see who offers you the best deal.<\/p>" } } , { "@type": "Question", "name": "What Is Burial Insurance?", "acceptedAnswer": { "@type": "Answer", "text": "<p><a href=\"https://www.investopedia.com/terms/b/burial-insurance.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\">Burial insurance<\/a> is a type of life insurance specifically designed to pay for funerals and other final expenses. These are whole life policies without an expiration date. Burial insurance is usually for small amounts of coverage, just enough to cover the cost of a funeral.<span class=\"ql-inline-citation\" data-cite=\"3\"><\/span> These policies typically have easier underwriting without checking for health issues. However, they can be more expensive than regular life insurance for some buyers and can have limits on paying out if you pass away within the first few years of buying coverage. <\/p>" } } , { "@type": "Question", "name": "Companies We Reviewed", "acceptedAnswer": { "@type": "Answer", "text": "<p><a href=\"https://www.investopedia.com/nationwide-life-insurance-review-5112884\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\">Nationwide<\/a>, <a href=\"https://www.investopedia.com/ameritas-life-insurance-review-5115823\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"2\">Ameritas<\/a>, <a href=\"https://www.investopedia.com/assurity-life-insurance-review-5181772\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"3\">Assurity<\/a>, <a href=\"https://www.investopedia.com/protective-life-insurance-review-5078171\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"4\">Protective<\/a>, <a href=\"https://www.investopedia.com/sbli-life-insurance-review-5185629\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"5\">SBLI<\/a>, <a href=\"https://www.investopedia.com/midland-national-life-insurance-review-5115400\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"6\">Midland National<\/a>, <a href=\"https://www.investopedia.com/banner-life-insurance-review-5079634\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"7\">Banner<\/a>, <a href=\"https://www.investopedia.com/thrivent-life-insurance-review-5197062\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"8\">Thrivent<\/a>, <a href=\"https://www.investopedia.com/lafayette-life-insurance-review-5186957\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"9\">Lafayette<\/a>, <a href=\"https://www.investopedia.com/penn-mutual-life-insurance-review-5181706\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"10\">Penn Mutual<\/a>, <a href=\"https://www.investopedia.com/usaa-life-insurance-review-5080414\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"11\">USAA<\/a>, <a href=\"https://www.investopedia.com/massmutual-life-insurance-review-5076622\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"12\">MassMutual<\/a>, <a href=\"https://www.investopedia.com/mutual-of-omaha-life-insurance-review-5077426\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"13\">Mutual of Omaha<\/a>, <a href=\"https://www.investopedia.com/columbus-life-insurance-review-5524724\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"14\">Columbus<\/a>, <a href=\"https://www.investopedia.com/pacific-life-insurance-review-5184560\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"15\">Pacific Life<\/a>, <a href=\"https://www.investopedia.com/guardian-life-insurance-review-5078357\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"16\">Guardian Life<\/a>, <a href=\"https://www.investopedia.com/prudential-life-insurance-review-5077996\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"17\">Prudential<\/a>, <a href=\"https://www.investopedia.com/equitable-life-insurance-review-5185541\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"18\">Equitable<\/a>, <a href=\"https://www.investopedia.com/lincoln-financial-life-insurance-review-5324587\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"19\">Lincoln Financial<\/a>, <a href=\"https://www.investopedia.com/state-farm-life-insurance-review-5072604\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"20\">State Farm<\/a>, <a href=\"https://www.investopedia.com/aaa-life-insurance-review-5075643\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"21\">AAA<\/a>, <a href=\"https://www.investopedia.com/transamerica-life-insurance-review-5075447\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"22\">Transamerica<\/a>, <a href=\"https://www.investopedia.com/john-hancock-life-insurance-review-5075864\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"23\">John Hancock<\/a>, <a href=\"https://www.investopedia.com/north-american-life-insurance-review-5111320\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"24\">North American<\/a>, <a href=\"https://www.investopedia.com/western-southern-life-insurance-review-5188202\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"25\">Western & Southern<\/a>, <a href=\"https://www.investopedia.com/brighthouse-life-insurance-review-5075446\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"26\">Brighthouse<\/a>, <a href=\"https://www.investopedia.com/securian-life-insurance-review-5185628\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"27\">Securian<\/a>, <a href=\"https://www.investopedia.com/farmers-life-insurance-review-5181062\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"28\">Farmers<\/a>, <a href=\"https://www.investopedia.com/northwestern-mutual-life-insurance-review-5077994\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"29\">Northwestern Mutual<\/a>, <a href=\"https://www.investopedia.com/symetra-life-insurance-review-5188608\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"30\">Symetra<\/a>, <a href=\"https://www.investopedia.com/foresters-life-insurance-review-5179868\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"31\">Foresters<\/a>, <a href=\"https://www.investopedia.com/gerber-life-insurance-review-5077502\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"32\">Gerber<\/a>, <a href=\"https://www.investopedia.com/minnesota-life-insurance-review-5181765\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"33\">Minnesota Life<\/a>, <a href=\"https://www.investopedia.com/fidelity-life-insurance-review-5079550\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"34\">Fidelity<\/a>, <a href=\"https://www.investopedia.com/pan-american-life-insurance-review-5187139\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"35\">Mutual Trust Life Solutions<\/a>, <a href=\"https://www.investopedia.com/corebridge-financial-life-insurance-review-5079549\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"36\">Corebridge Financial (formerly AIG)<\/a>, <a href=\"https://www.investopedia.com/new-york-life-insurance-review-5074534\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"37\">New York Life<\/a>, <a href=\"https://www.investopedia.com/kansas-city-life-insurance-company-review-5185631\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"38\">Kansas City Life<\/a>, <a href=\"https://www.investopedia.com/globe-life-insurance-review-5076979\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"39\">Globe Life<\/a>, <a href=\"https://www.investopedia.com/aflac-life-insurance-review-5179517\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"40\">Aflac<\/a>, <a href=\"https://www.investopedia.com/boston-mutual-life-insurance-review-5186402\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"41\">Boston Mutual<\/a>, <a href=\"https://www.investopedia.com/bankers-life-insurance-review-5114317\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"42\">Bankers<\/a>, <a href=\"https://www.investopedia.com/american-national-life-insurance-review-5183789\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"43\">American National<\/a>, <a href=\"https://www.investopedia.com/colonial-penn-life-insurance-review-5075429\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"44\">Colonial Penn<\/a>, <a href=\"https://www.investopedia.com/allianz-life-insurance-company-review-5184999\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"45\">Allianz<\/a><\/p>" } } ] } ] } ]</script> </head><body>  <svg class="mntl-svg-resource is-hidden"> <defs> <symbol id="icon-alert"> <svg width="30" height="29" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M13.2522 4.38081C14.077 2.92054 16.1389 2.92054 16.9637 4.38081L26.7065 21.6302C27.5313 23.0905 26.5003 24.9158 24.8507 24.9158H5.36517C3.7156 24.9158 2.68462 23.0905 3.5094 21.6302L13.2522 4.38081Z" fill="#fff"/><path fill-rule="evenodd" clip-rule="evenodd" d="M19.6063 2.76459L29.2795 20.1815C31.3267 23.8676 28.7677 28.4753 24.6732 28.4753H5.32681C1.23233 28.4753 -1.32671 23.8676 0.720529 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He specializes in covering insurance, investing, and retirement planning. Before writing full-time, he worked as a financial advisor and passed both the CFP and Series 6 exams." tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/david-rodeck-7152916" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >David Rodeck</a> <div id="mntl-author-tooltip_1-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:99.8%;"> <img data-srcset="https://www.investopedia.com/thmb/xLeinUXap-l16lHz2s8RWiNHSR4=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/headshot1-db46c400712a4469bcb23ce352f0907e.jpg 90w" data-sizes="90px" data-src="https://www.investopedia.com/thmb/H5fzVnkqEilEAQbrn-gVPljaNpE=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/headshot1-db46c400712a4469bcb23ce352f0907e.jpg" alt="David Rodeck" class="lazyload mntl-author-tooltip__image" width="90" height="200" /> <noscript> <img src="https://www.investopedia.com/thmb/H5fzVnkqEilEAQbrn-gVPljaNpE=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/headshot1-db46c400712a4469bcb23ce352f0907e.jpg" srcset="https://www.investopedia.com/thmb/xLeinUXap-l16lHz2s8RWiNHSR4=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/headshot1-db46c400712a4469bcb23ce352f0907e.jpg 90w" alt="David Rodeck" width="90" height="200" class="img--noscript mntl-author-tooltip__image" /> </noscript> </div> </div> <a href="https://www.investopedia.com/david-rodeck-7152916" rel="nocaes" id="finance-author-tooltip__link_1-0" class="finance-author-tooltip__link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">Full Bio</span></a> <div class="mntl-author-tooltip__bio"> David is a financial content writer in New York City. He specializes in covering insurance, investing, and retirement planning. Before writing full-time, he worked as a financial advisor and passed both the CFP and Series 6 exams. </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/legal-4768893#editorial-policy" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >editorial policies</a> </div> </div></div> </div> <div class="mntl-attribution__item-date">Updated November 06, 2024</div></div> <div id="mntl-bylines__group_2-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--finance_reviewer"><div id="mntl-bylines__item_2-0" class="comp mntl-bylines__item mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Reviewed by</span> <a href="https://www.investopedia.com/eric-estevez-4799782" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="0" >Eric Estevez</a> </div></div> <div id="mntl-bylines__group_3-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--fact_checker"><div id="mntl-bylines__item_3-0" class="comp mntl-bylines__item mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Fact checked by</span> <div data-tooltip="Myles Ma is a Senior Insurance Editor at Investopedia. He has nearly a decade of experience writing and editing insurance content at Policygenius, a leading insurance marketplace. His expertise has been featured in The Washington Post, CNBC, and PBS. " tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/myles-ma-8659750" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >Myles Ma</a> <div id="mntl-author-tooltip_2-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:133.3%;"> <img data-srcset="https://www.investopedia.com/thmb/vgNkUs7dGKEeOg17555aN6XMa_s=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/Myles-Ma-BW_05-96f19efa0c5042628fa0a9b50dfefb29.jpg 90w" data-sizes="90px" data-src="https://www.investopedia.com/thmb/1eWP_i_Bk2Vvi8lpUHhwMIC6Pho=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/Myles-Ma-BW_05-96f19efa0c5042628fa0a9b50dfefb29.jpg" alt="black and white picture of myles ma" class="lazyload mntl-author-tooltip__image" width="90" height="200" /> <noscript> <img src="https://www.investopedia.com/thmb/1eWP_i_Bk2Vvi8lpUHhwMIC6Pho=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/Myles-Ma-BW_05-96f19efa0c5042628fa0a9b50dfefb29.jpg" srcset="https://www.investopedia.com/thmb/vgNkUs7dGKEeOg17555aN6XMa_s=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/Myles-Ma-BW_05-96f19efa0c5042628fa0a9b50dfefb29.jpg 90w" alt="black and white picture of myles ma" width="90" height="200" class="img--noscript mntl-author-tooltip__image" /> </noscript> </div> </div> <div id="mntl-author-tooltip__name_1-0" class="comp mntl-author-tooltip__name mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Fact checked by</span> <span id="mntl-author-tooltip__name_1-0" class="comp mntl-author-tooltip__name mntl-attribution__item mntl-attribution__item-name">Myles Ma</span> </div> <a href="https://www.investopedia.com/myles-ma-8659750" rel="nocaes" id="finance-author-tooltip__link_2-0" class="finance-author-tooltip__link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">Full Bio</span></a> <div id="finance-author-tooltip__social_2-0" class="comp finance-author-tooltip__social finance-social-nav mntl-social-nav" data-tracking-container="true"> <ul class="social-nav__list"> <li class="social-nav__item social-nav__item--linkedin"> <a href="https://www.linkedin.com/in/mylesdma/" target="_blank" rel="noopener nofollow sponsored nocaes" data-text="Follow" class="social-nav__link social-nav__link--linkedin" aria-label="Visit David Rodeck's LinkedIn" > <svg class="icon icon-linkedin social-nav__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-linkedin" href="#icon-linkedin"></use> </svg> </a> </li> </ul> </div> <div class="mntl-author-tooltip__bio"> Myles Ma is a Senior Insurance Editor at Investopedia. He has nearly a decade of experience writing and editing insurance content at Policygenius, a leading insurance marketplace. His expertise has been featured in The Washington Post, CNBC, and PBS. </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/legal-4768893#editorial-policy" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >editorial policies</a> </div> </div></div> </div></div> </div></div></header></div> </div><div class="loc content"><div id="mntl-external-basic-sublayout-content_1-0" class="comp mntl-external-basic-sublayout-content sc-ad-container article-content list-sc"><div class="loc content-body"> <svg class="mntl-svg-resource is-hidden"> <defs> <symbol id="featured-partners__info-svg"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"><path fill-rule="evenodd" d="M5.5 9h1V6h-1v3zM6 1.5c-2.76 0-5 2.24-5 5s2.24 5 5 5 5-2.24 5-5-2.24-5-5-5zm0 9c-2.205 0-4-1.795-4-4s1.795-4 4-4 4 1.795 4 4-1.795 4-4 4zM5.5 5h1V4h-1v1z" fill="#000" fill-opacity=".95"/></svg></symbol> <symbol id="star-icon"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.5 12.1"><path d="M6.2 0 8.2 4 12.5 4.6 9.4 7.7 10.1 12.1 6.2 10 2.4 12.1 3.1 7.7 0 4.6 4.3 4z"/></svg></symbol> <symbol id="light-box-arrow"><svg xmlns="http://www.w3.org/2000/svg" viewBox="2575 18840 48 48"><g transform="translate(1355 18464)"><circle cx="24" cy="24" r="24" transform="translate(1220 376)" fill="#fff"/><path d="M1248.675 390l9.38 9.38M1258.055 399.38l-9.38 9.553M1232 399.38h25.186" fill="none" stroke="#000" stroke-linecap="round" stroke-miterlimit="10" stroke-width="3"/></g></svg></symbol> </defs> </svg> <span id="external-content_1-0" class="comp external-content mntl-external-component"><div class="u-font-carbon--dd112"> <div id="product-roundup-content--finance_1-0" class="comp product-roundup-content--finance product-roundup--base product-roundup--base" data-tracking-container="true" data-tracking-id="PRM Roundup | PRM Template"> <div class="article-content"> <div class="article-intro article-content__description article-container expert-content structured-content text-passage"> <div id="intro-content_1-0" class="comp mntl-sc-page--commerce intro-content prm-sc-page mntl-sc-page mntl-block"> <p id="mntl-sc-block_1-0" class="comp mntl-sc-block mntl-sc-block-html"> According to our in-depth research of 45 providers, <a href="https://dotdash.covrtech.com/?utm_carrier=Nationwide&utm_journey=term" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="sponsored nofollow" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}">Nationwide</a> is the best life insurance company. Other top contenders are <a href="https://dotdash.covrtech.com/?utm_carrier=Banner&utm_journey=term" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="2" rel="sponsored nofollow" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}">Banner by Legal & General</a> for term life, and <a href="https://www.westernsouthern.com/lafayette" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="3" rel="sponsored nofollow">Lafayette</a> for whole life. </p> <p id="mntl-sc-block_1-0-1" class="comp mntl-sc-block mntl-sc-block-html"> Life insurance provides money to your loved ones when you die, allowing them to cover your final expenses, replace your income, and pay off your debts. To choose the best providers, we researched 70 criteria, including price, policy types, financial stability, customer satisfaction, and the application process. </p> <p id="mntl-sc-block_1-0-2" class="comp mntl-sc-block mntl-sc-block-html"> Dedicated to helping you find the right life insurance provider for your needs, Investopedia conducts data-driven reviews that are written by life insurance experts who follow strict <a href="https://www.investopedia.com/legal-4768893" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">editorial guidelines</a>. Investopedia launched in 1999 and has been helping readers find the best life insurance companies since 2020 with our unbiased, accurate, and comprehensive reviews. </p> </div> <div id="product-roundup-content__summary-list_1-0" class="comp js-toc-appear product-roundup-content__summary-list summary-list--finance summary-list--roundup summary-list" data-click-action="OffPageClick - External" data-tracking-container="true" data-tracking-id="PRM Roundup | Summary List"> <span class="heading-toc" id="summary-list"></span> <h4 class="summary-list__title"> 10 Best Life Insurance Companies for November 2024 </h4> <ul class="summary-list__content"> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Best Overall, Best Children’s Life Insurance, Best for People Over 50:</strong> <a href="https://dotdash.covrtech.com/?utm_carrier=Nationwide&utm_journey=term" target="_blank" rel="nofollow noskim noopener sponsored nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" > Nationwide</a> </span> </li> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Best Term Life Insurance:</strong> <a href="https://dotdash.covrtech.com/?utm_carrier=Banner&utm_journey=term" target="_blank" rel="nofollow noskim noopener sponsored nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" > Banner by Legal & General</a> </span> </li> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Best Whole Life Insurance:</strong> <a href="https://www.westernsouthern.com/lafayette" target="_blank" rel="nofollow noskim noopener sponsored nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" > Lafayette Life</a> </span> </li> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Cheapest Term Premiums:</strong> <a href="http://dotdash.covrtech.com/?utm_carrier=sblilifeinsurance&utm_journey=term" target="_blank" rel="nofollow noskim noopener sponsored nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" > SBLI</a> </span> </li> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Best No-Medical-Exam Insurance:</strong> <a href="https://dotdash.covrtech.com/?utm_carrier=PennMutual&utm_journey=bridge" target="_blank" rel="nofollow noskim noopener sponsored nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" > Penn Mutual</a> </span> </li> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Best for Financial Strength, Best for Customer Satisfaction:</strong> <a href="https://dotdash.covrtech.com?utm_carrier=thrivent&utm_journey=bridge" target="_blank" rel="nofollow noskim noopener nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" > Thrivent</a> </span> </li> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Best for Universal Life:</strong> <a href="https://dotdash.covrtech.com/?utm_carrier=PacificLife&utm_journey=term" target="_blank" rel="nofollow noskim noopener sponsored nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" > Pacific Life</a> </span> </li> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Also Great for No-Medical-Exam Life Insurance:</strong> <a href="https://dotdash.covrtech.com/?utm_carrier=symetra&utm_journey=term" target="_blank" rel="nofollow noskim noopener sponsored nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" > Symetra</a> </span> </li> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Also Great for Children’s Life Insurance:</strong> <a href="https://dotdash.covrtech.com/?utm_carrier=Protective&utm_journey=term" target="_blank" rel="nofollow noskim noopener sponsored nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" > Protective Life</a> </span> </li> <li class="summary-list__item"> <span class="summary-list__item-top-pick-container"> <strong class="summary-list__item-category">Also Great for Whole Life Insurance:</strong> <a href="https://dotdash.covrtech.com/?utm_carrier=MassMutual&utm_journey=wl" target="_blank" rel="nofollow noskim noopener sponsored nocaes" data-click-action="OffPageClick - External" data-tracking-container="true" class="summary-list__item-top-pick" data-tracking-id="PRM Roundup | Summary List" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" > MassMutual</a> </span> </li> </ul> </div> <div id="post-intro_1-0" class="comp mntl-sc-page--commerce post-intro prm-sc-page mntl-sc-page mntl-block"></div> </div> <div class="article-body"> <div class="loc article-left-nav article-body__left-nav product-roundup__left-nav js-sticky-container"> <div id="product-roundup__toc_1-0" class="comp sticky-toc-widget sticky-toc--finance product-roundup__toc sticky-toc--finance-roundup sticky-toc--roundup sticky-toc--base mntl-sticky-toc mntl-block" data-chop-mobile="false" data-tracking-container="true" data-desktop-bp="54em" data-chop-desktop="false"> <div id="toc-wrapper_1-0" class="comp toc-wrapper mntl-toc mntl-block" data-chop-mobile="true" data-offset="60" data-tracking-container="false" data-tracking-container="true"> <div id="mntl-toc__inner_1-0" class="comp mntl-toc__inner mntl-block"> <div id="mntl-toc__heading_1-0" class="comp js-toc-toggle mntl-toc__heading mntl-block" data-click-tracked="true"> <span id="mntl-toc__heading-text_1-0" class="comp mntl-toc__heading-text mntl-text-block"> 10 Best Life Insurance Companies for November 2024</span> <div id="mntl-toc-toggle_1-0" class="comp mntl-toc-toggle mntl-block"> <button id="mntl-toc-toggle__btn_1-0" class="comp js-mntl-toc-toggle mntl-toc-toggle__btn mntl-text-block" data-expanded-text="Expand" data-collapsed-text="Expand"> Expand</button> </div> </div> <div id="mntl-toc__mobile-toggle_1-0" class="comp js-sticky-toggle mntl-toc__mobile-toggle mntl-block" data-click-tracked="true" data-click-action="OnPageClick-10 Best Life Insurance Companies for November 2024" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <span id="mntl-toc__heading-text_2-0" class="comp mntl-toc__heading-text mntl-text-block"> 10 Best Life Insurance Companies for November 2024</span> </div> <ul id="mntl-toc__list_1-0" class="comp mntl-toc__list-heading expert-content mntl-toc__list"> <li id="toc__listsc-item_1-0" class="comp toc__listsc-item mntl-toc-list-item mntl-toc__list-item"> <a href="#summary-list" rel="nocaes" class="mntl-toc__list-item-link js-mntl-toc-link" > <span class="link__wrapper">Our Top Picks</span> </a></li> <li id="mntl-toc__list-item_2-0" class="comp nested-toc-item mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-Nationwide" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-best-overall-best-childrens-life-insurance-best-for-people-over-50-nationwide" rel="nocaes" data-click-action="OnPageClick-Nationwide" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">Nationwide</span> </a></li> <li id="mntl-toc__list-item_2-0-1" class="comp nested-toc-item mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-Banner by Legal & General" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-best-term-life-insurance-banner-by-legal--general" rel="nocaes" data-click-action="OnPageClick-Banner by Legal &amp; General" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">Banner by Legal & General</span> </a></li> <li id="mntl-toc__list-item_2-0-2" class="comp nested-toc-item mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-Lafayette Life" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-best-whole-life-insurance-lafayette-life" rel="nocaes" data-click-action="OnPageClick-Lafayette Life" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">Lafayette Life</span> </a></li> <li id="mntl-toc__list-item_2-0-3" class="comp nested-toc-item nested-toc-item--additional mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-SBLI" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-cheapest-term-premiums-sbli" rel="nocaes" data-click-action="OnPageClick-SBLI" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">SBLI</span> </a></li> <li id="mntl-toc__list-item_2-0-4" class="comp nested-toc-item nested-toc-item--additional mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-Penn Mutual" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-best-no-medical-exam-insurance-penn-mutual" rel="nocaes" data-click-action="OnPageClick-Penn Mutual" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">Penn Mutual</span> </a></li> <li id="mntl-toc__list-item_2-0-5" class="comp nested-toc-item nested-toc-item--additional mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-Thrivent" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-best-for-financial-strength-best-for-customer-satisfaction-thrivent" rel="nocaes" data-click-action="OnPageClick-Thrivent" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">Thrivent</span> </a></li> <li id="mntl-toc__list-item_2-0-6" class="comp nested-toc-item nested-toc-item--additional mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-Pacific Life" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-best-for-universal-life-pacific-life" rel="nocaes" data-click-action="OnPageClick-Pacific Life" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">Pacific Life</span> </a></li> <li id="mntl-toc__list-item_2-0-7" class="comp nested-toc-item nested-toc-item--additional mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-Symetra" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-also-great-for-no-medical-exam-life-insurance-symetra" rel="nocaes" data-click-action="OnPageClick-Symetra" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">Symetra</span> </a></li> <li id="mntl-toc__list-item_2-0-8" class="comp nested-toc-item nested-toc-item--additional mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-Protective Life" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-also-great-for-childrens-life-insurance-protective-life" rel="nocaes" data-click-action="OnPageClick-Protective Life" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">Protective Life</span> </a></li> <li id="mntl-toc__list-item_2-0-9" class="comp nested-toc-item nested-toc-item--additional mntl-toc__list-item mntl-toc-list-item mntl-toc__list-item" data-click-action="OnPageClick-MassMutual" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <a href="#toc-also-great-for-whole-life-insurance-massmutual" rel="nocaes" data-click-action="OnPageClick-MassMutual" data-tracking-container="true" class="mntl-toc__list-item-link js-mntl-toc-link" data-tracking-id="PRM Roundup | Table of Contents" > <span class="link__wrapper">MassMutual</span> </a></li> <li id="toc-items__chop_1-0" class="comp toc-items__chop mntl-text-block" data-click-tracked="true" data-click-action="OnPageClick-See More" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> See More (7)</li> <li id="mntl-toc__list-item_1-0" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_1-0" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-compare-the-best-life-insurance-companies" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Compare Providers" id="mntl-toc__list-item-link_1-0" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Compare Providers</span></a> </div> </li> <li id="mntl-toc__list-item_1-0-1" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_1-0-1" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-our-expert-pick-for-the-best-life-insurance" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Our Expert Pick" id="mntl-toc__list-item-link_1-0-1" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Our Expert Pick</span></a> </div> </li> <li id="mntl-toc__list-item_1-0-2" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_1-0-2" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-what-are-the-types-of-life-insurance" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Types of Life Insurance" id="mntl-toc__list-item-link_1-0-2" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Types of Life Insurance</span></a> </div> </li> <li id="mntl-toc__list-item_1-0-3" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_1-0-3" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-how-much-does-life-insurance-cost" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Cost" id="mntl-toc__list-item-link_1-0-3" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Cost</span></a> </div> </li> <li id="mntl-toc__list-item_1-0-4" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_1-0-4" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-how-to-choose-the-best-life-insurance-company" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-How to Choose" id="mntl-toc__list-item-link_1-0-4" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">How to Choose</span></a> </div> </li> <li id="mntl-toc__list-item_1-0-5" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_1-0-5" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-why-you-should-trust-us" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Why You Should Trust Us" id="mntl-toc__list-item-link_1-0-5" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Why You Should Trust Us</span></a> </div> </li> <li id="mntl-toc__list-item_1-0-6" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_1-0-6" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-faqs-7f3a7e89-0f4e-4fde-b6c5-44eb4218e957" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-FAQs" id="mntl-toc__list-item-link_1-0-6" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">FAQs</span></a> </div> </li> <li id="mntl-toc__list-item_1-0-7" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_1-0-7" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-how-we-review-the-best-life-insurance-companies" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Methodology" id="mntl-toc__list-item-link_1-0-7" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Methodology</span></a> </div> </li> </ul> </div> </div> </div> </div> <div class="loc article-body__inner article-body__inner "> <div id="list-sc-item_1-0" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-best-overall-best-childrens-life-insurance-best-for-people-over-50-nationwide"></span> <h3 id="list-sc-item__heading_1-0" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Best Overall</span>, <span class="split-text__item-secondary"> Best Children’s Life Insurance</span>, <span class="split-text__item-secondary"> Best for People Over 50</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> Nationwide</span> </span> </span></h3> <div id="list-sc-item__rating_1-0" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0" class="comp star-rating" alt="4.8 out of 5 stars"> <span class="star-rating__label">4.8</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <svg style="position: absolute;" width="0" height="0"> <defs> <linearGradient id="linear-star-rating_5-0" x1="0%" y1="0%" x2="100%" y2="0%"> <stop offset="70%" stop-color="#333e8b" /> <stop offset="70%" stop-color="#d5d5d5" /> </linearGradient> </defs> </svg> <div class="star-rating__quarter-empty star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: url(#linear-star-rating_5-0);" > <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.5 12.1"><path d="M6.2 0 8.2 4 12.5 4.6 9.4 7.7 10.1 12.1 6.2 10 2.4 12.1 3.1 7.7 0 4.6 4.3 4z"/></svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0" class="comp mntl-sc-block-image figure-3x2 upscaleImg mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-landscape figure-high-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 500px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:66.6%;"> <img data-src="https://www.investopedia.com/thmb/J-7ophQ3xXM_Od95iVDMbeueg1A=/fit-in/1500x1000/filters:format(png):fill(white):max_bytes(150000):strip_icc()/nationwide-mutual-insurance-logo-d57b08115c36416c93b5a9b192251fdc.png" width="1500" height="1000" alt="Nationwide logo" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/J-7ophQ3xXM_Od95iVDMbeueg1A=/fit-in/1500x1000/filters:format(png):fill(white):max_bytes(150000):strip_icc()/nationwide-mutual-insurance-logo-d57b08115c36416c93b5a9b192251fdc.png" width="1500" height="1000" class="img--noscript universal-image__image" alt="Nationwide logo" /> </noscript> </div> </div> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-1" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating: </strong>A+</li><li><strong>Complaints:</strong> Much fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-2" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="https://dotdash.covrtech.com/?utm_carrier=Nationwide&utm_journey=term" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" data-click-action="OffPageClick - External" id="button_1-0" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-4" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Best Overall </span> </h3> <p id="mntl-sc-block_3-0-5" class="comp mntl-sc-block mntl-sc-block-html"> Nationwide is the best overall life insurance company because it has the widest range of product types and coverage limits, plus outstanding customer satisfaction ratings and a very good financial strength rating from <a href="https://www.investopedia.com/terms/a/a-m-best.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">AM Best</a>. On top of that, it offers three <a href="https://www.investopedia.com/what-is-life-insurance-with-living-benefits-8606326" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">living benefit</a> riders for no extra charge.  </p> <h3 id="mntl-sc-block_3-0-6" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Best Life Insurance for Children </span> </h3> <p id="mntl-sc-block_3-0-7" class="comp mntl-sc-block mntl-sc-block-html"> Nationwide tops our list of life insurance for children because it has no coverage limits on children’s whole life, so you can buy as much protection as you can afford. You can also transfer the policy to your child when they’re grown. And if you buy a child term rider, the policy can be converted to a permanent life insurance policy at adulthood. </p> <h3 id="mntl-sc-block_3-0-8" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Best Life Insurance for People Over 50 </span> </h3> <p id="mntl-sc-block_3-0-9" class="comp mntl-sc-block mntl-sc-block-html"> We named Nationwide the best life insurance for people over 50 due to its no-medical-exam coverage of up to $1.5 million and a final expense policy with no minimum issue age and a coverage limit of $50,000. That's on top of all of the things that make this a great life insurance provider for applicants of any age. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-11" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Excellent selection of product types</p></li> <li><p>Superior financial strength rating (A+)</p></li> <li><p>3 living benefits at no extra cost</p></li> <li><p>Great child life insurance features</p></li> <li><p>Few customer complaints</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Doesn’t pay dividends on whole life policies</p></li> <li><p>Only sells term life up to age 70</p></li> <li><p>No live chat for customer service</p></li> <li><p>Can’t start insurance claims online</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-13" class="comp mntl-sc-block mntl-sc-block-html"> Nationwide is the best overall life insurance provider because it excels on so many fronts. It has one of the widest selections of product types among the insurance companies we reviewed. It's also among the best providers of riders that let you customize coverage, along with Ameritas and Brighthouse Financial. On top of that, Nationwide has a good customer service record, as shown by its <a href="https://www.investopedia.com/what-is-the-naic-complaint-index-for-insurance-8685590" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">National Associations of Insurance Commissioners (NAIC) complaint index</a> and the fact that it was ranked No. 4 out of 22 insurers in the 2024 J.D. Power U.S. Individual Life Insurance Study.<span class="ql-inline-citation" data-cite="1"></span> </p> <p id="mntl-sc-block_3-0-14" class="comp mntl-sc-block mntl-sc-block-html"> In addition, Nationwide policies include free living benefits. Your policy pays out while you’re alive if you develop a critical, chronic, or terminal illness. </p> <p id="mntl-sc-block_3-0-15" class="comp mntl-sc-block mntl-sc-block-html"> Nationwide only has a couple of minor flaws. It doesn’t pay <a href="https://www.investopedia.com/articles/personal-finance/011816/guide-dividendpaying-whole-life-insurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">whole life dividends</a>. And it only sells term coverage up until age 70. Nationwide was founded in 1925 and is headquartered in Columbus, Ohio. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-17" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types </strong> </p> <ul id="mntl-sc-block_3-0-18" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Whole life</li><li>Children’s whole life</li><li>Universal life</li><li>Indexed universal life</li><li>Variable universal life</li><li>No-medical-exam life (term)</li><li>Final expense </li> </ul> <p id="mntl-sc-block_3-0-19" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-20" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term conversion</li><li>Child term</li><li>Guaranteed insurability rider</li><li>Waiver of premium</li><li>Accidental death benefit</li><li>Terminal illness</li><li>Long-term care</li><li>Chronic illness</li><li>Critical illness</li> </ul> </div> </div> </div> </div> <div id="list-sc-item_1-0-1" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-best-term-life-insurance-banner-by-legal--general"></span> <h3 id="list-sc-item__heading_1-0-1" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Best Term Life Insurance</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> Banner by Legal & General</span> </span> </span></h3> <div id="list-sc-item__rating_1-0-1" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0-1" class="comp star-rating" alt="4.1 out of 5 stars"> <span class="star-rating__label">4.1</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <svg style="position: absolute;" width="0" height="0"> <defs> <linearGradient id="linear-star-rating_5-0-1" x1="0%" y1="0%" x2="100%" y2="0%"> <stop offset="20%" stop-color="#333e8b" /> <stop offset="20%" stop-color="#d5d5d5" /> </linearGradient> </defs> </svg> <div class="star-rating__quarter-full star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: url(#linear-star-rating_5-0-1);" > <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.5 12.1"><path d="M6.2 0 8.2 4 12.5 4.6 9.4 7.7 10.1 12.1 6.2 10 2.4 12.1 3.1 7.7 0 4.6 4.3 4z"/></svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0-1" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0-1" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0-1" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0-21" class="comp mntl-sc-block-image figure-3x2 upscaleImg mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-square figure-low-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 794px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:66.6%;"> <img data-src="https://www.investopedia.com/thmb/b_b_Hxl3qWdduHzXbHVQZCAmMOE=/fit-in/1500x1000/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Legal_General-99c81dbfffae4c7f8e5862bb5f1c1a91.jpg" width="1500" height="1000" alt="Banner Life" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0-1 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/b_b_Hxl3qWdduHzXbHVQZCAmMOE=/fit-in/1500x1000/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Legal_General-99c81dbfffae4c7f8e5862bb5f1c1a91.jpg" width="1500" height="1000" class="img--noscript universal-image__image" alt="Banner Life" /> </noscript> </div> </div> <figcaption id="mntl-figure-caption_1-0" class="comp figure-caption mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p> Banner Life</p></span> </figcaption> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-22" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating: </strong>A+</li><li><strong>Complaints: </strong>Much fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-23" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0-1" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="https://dotdash.covrtech.com/?utm_carrier=Banner&utm_journey=term" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" data-click-action="OffPageClick - External" id="button_1-0-1" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-25" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Best Term Life Insurance </span> </h3> <p id="mntl-sc-block_3-0-26" class="comp mntl-sc-block mntl-sc-block-html"> Banner Life Insurance Company’s term life insurance policies have low premiums and terms lasting up to 40 years. Coverage options start at $100,000 and have no upper limit. We like that Banner's term policies are renewable annually, and you can convert them to a permanent plan at no extra cost. The company also lets you get a quote and apply for a policy online. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-28" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Competitive premiums for term life insurance</p></li> <li><p>Sells 40-year term policies</p></li> <li><p>No max coverage limit for no-exam policies</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Limited selection of permanent policies</p></li> <li><p>Few riders available</p></li> <li><p>No live chat</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-30" class="comp mntl-sc-block mntl-sc-block-html"> Banner by Legal & General could be a fine choice if you want temporary term life insurance coverage. It has some of the most competitive prices among the companies that gave us quotes, and it allows you to apply online. It is also the only insurer on our list besides Protective Life selling 40-year term policies that can last your entire working life. Most insurers limit you to 30 years. </p> <p id="mntl-sc-block_3-0-31" class="comp mntl-sc-block mntl-sc-block-html"> Banner Life falls short on product selection, though. Besides term, it only sells universal life and doesn’t provide many <a href="https://www.investopedia.com/articles/pf/07/life_insurance_rider.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">riders</a> to customize coverage. Banner Life is headquartered in Frederick, Maryland, and its parent company, Legal & General, was founded in 1836. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-33" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types</strong> </p> <ul id="mntl-sc-block_3-0-34" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Universal life</li><li>No-medical-exam life </li> </ul> <p id="mntl-sc-block_3-0-35" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-36" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term conversion</li><li>Child term</li><li>Waiver of premium</li><li>Terminal illness</li> </ul> </div> </div> </div> </div> <div id="list-sc-item_1-0-2" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-best-whole-life-insurance-lafayette-life"></span> <h3 id="list-sc-item__heading_1-0-2" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Best Whole Life Insurance</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> Lafayette Life</span> </span> </span></h3> <div id="list-sc-item__rating_1-0-2" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0-2" class="comp star-rating" alt="4 out of 5 stars"> <span class="star-rating__label">4.0</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__empty-star star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: #d5d5d5;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0-2" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0-2" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0-2" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0-37" class="comp mntl-sc-block-image figure-2x1 mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-landscape figure-high-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 0px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:50.0%;"> <img data-src="https://www.investopedia.com/thmb/wLgPUOnEU1dJKWqr-ZxaVtGesCg=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Lafayette_insurance-0439947e96294c259ba160ca612e29ae.jpg" width="1500" height="750" alt="Lafayette Life Insurance" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0-2 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/wLgPUOnEU1dJKWqr-ZxaVtGesCg=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Lafayette_insurance-0439947e96294c259ba160ca612e29ae.jpg" width="1500" height="750" class="img--noscript universal-image__image" alt="Lafayette Life Insurance" /> </noscript> </div> </div> <figcaption id="mntl-figure-caption_1-0-1" class="comp figure-caption mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p>Lafayette Life Insurance</p></span> </figcaption> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-38" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating</strong>: A+</li><li><strong>Complaints</strong>: Much fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-39" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0-2" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="https://www.westernsouthern.com/lafayette" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-click-action="OffPageClick - External" id="button_1-0-2" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-41" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Best Whole Life Insurance </span> </h3> <p id="mntl-sc-block_3-0-42" class="comp mntl-sc-block mntl-sc-block-html"> With a wide selection of whole life policy options, high coverage limits, and many rider benefits included free of charge, Lafayette Life is our top pick for whole life insurance. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-44" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Many types of whole life insurance</p></li> <li><p>No limit for whole life coverage</p></li> <li><p>Pays whole life dividends</p></li> <li><p>Includes 3 free living benefit riders</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>No online quotes or application</p></li> <li><p>Doesn’t offer universal or variable life</p></li> <li><p>Only pays average dividends</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-46" class="comp mntl-sc-block mntl-sc-block-html"> Lafayette Life is our top choice for whole life insurance policies. It sells seven different whole life products, allowing you to customize your coverage to suit your needs. There’s also no limit on how much whole life insurance coverage you can buy. Finally, Lafayette Life includes many rider benefits at no extra charge, such as riders that let you use your death benefit for medical care while you’re alive if you get a chronic, critical, or terminal illness. </p> <p id="mntl-sc-block_3-0-47" class="comp mntl-sc-block mntl-sc-block-html"> While Lafayette Life pays whole life dividends, its dividend interest rate is lower than that of competitors such as MassMutual and Guardian Life. You must also call or meet an agent in person to sign up; you can’t enroll online. Lafayette Life, founded in 1905, is based in Cincinnati. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-49" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types</strong> </p> <ul id="mntl-sc-block_3-0-50" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Whole life</li><li>Children’s whole life</li><li>No-medical-exam life (whole life)</li><li>Final expense</li> </ul> <p id="mntl-sc-block_3-0-51" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-52" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term conversion</li><li>Child term</li><li>Guaranteed insurability rider</li><li>Waiver of premium</li><li>Accidental death benefit</li><li>Terminal illness</li><li>Chronic illness</li><li>Critical illness</li> </ul> </div> </div> </div> </div> <div id="list-sc-item_1-0-3" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-cheapest-term-premiums-sbli"></span> <h3 id="list-sc-item__heading_1-0-3" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Cheapest Term Premiums</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> SBLI</span> </span> </span></h3> <div id="list-sc-item__rating_1-0-3" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0-3" class="comp star-rating" alt="4.2 out of 5 stars"> <span class="star-rating__label">4.2</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <svg style="position: absolute;" width="0" height="0"> <defs> <linearGradient id="linear-star-rating_5-0-3" x1="0%" y1="0%" x2="100%" y2="0%"> <stop offset="30%" stop-color="#333e8b" /> <stop offset="30%" stop-color="#d5d5d5" /> </linearGradient> </defs> </svg> <div class="star-rating__quarter-full star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: url(#linear-star-rating_5-0-3);" > <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.5 12.1"><path d="M6.2 0 8.2 4 12.5 4.6 9.4 7.7 10.1 12.1 6.2 10 2.4 12.1 3.1 7.7 0 4.6 4.3 4z"/></svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0-3" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0-3" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0-3" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0-53" class="comp mntl-sc-block-image figure-2x1 upscaleImg mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-landscape figure-high-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 438px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:50.0%;"> <img data-src="https://www.investopedia.com/thmb/2NLdvHGAK30JL1y9n3pxtElfb0w=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/SBLILifeInsurance-acc6ccc3504746ea81e5c88756916cac.jpg" width="1500" height="750" alt="SBLI Life Insurance" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0-3 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/2NLdvHGAK30JL1y9n3pxtElfb0w=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/SBLILifeInsurance-acc6ccc3504746ea81e5c88756916cac.jpg" width="1500" height="750" class="img--noscript universal-image__image" alt="SBLI Life Insurance" /> </noscript> </div> </div> <figcaption id="mntl-figure-caption_1-0-2" class="comp figure-caption mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p>SBLI Life Insurance</p></span> </figcaption> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-54" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating</strong>: A</li><li><strong>Complaints</strong>: Much fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-55" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0-3" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="http://dotdash.covrtech.com/?utm_carrier=sblilifeinsurance&utm_journey=term" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" data-click-action="OffPageClick - External" id="button_1-0-3" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-57" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Cheapest Term Premiums </span> </h3> <p id="mntl-sc-block_3-0-58" class="comp mntl-sc-block mntl-sc-block-html"> SBLI combines low premiums for term insurance with a good customer service record, making it an ideal choice for someone on a budget. And it lets you convert your term policy to a permanent plan at no additional cost. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-60" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Cheap term premiums</p></li> <li><p>Excellent online features and tools</p></li> <li><p>Few customer complaints</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>No universal or variable life insurance</p></li> <li><p>Low whole life dividend rate</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-62" class="comp mntl-sc-block mntl-sc-block-html"> If you’re looking for a deal on term life insurance, consider SBLI. It quoted some of the lowest overall premiums for term policies of all the companies we researched. Yet SBLI does not appear to skimp on service. It has a low number of customer complaints to state regulators, given its size. At the same time, SBLI offers excellent online capabilities, including online quotes, an online application, and live chat. </p> <p id="mntl-sc-block_3-0-63" class="comp mntl-sc-block mntl-sc-block-html"> If you want a permanent policy, SBLI might not be the best choice. It doesn’t sell universal or variable life policies, it has a small rider selection, and it pays a low whole life dividend rate. SBLI was founded in 1907 and is based in Woburn, Massachusetts. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-65" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types</strong> </p> <ul id="mntl-sc-block_3-0-66" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Whole life</li><li>Children’s whole life</li><li>No-medical-exam life (term and whole life)</li><li>Final expense</li> </ul> <p id="mntl-sc-block_3-0-67" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-68" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term conversion</li><li>Child term</li><li>Guaranteed insurability rider</li><li>Waiver of premium</li><li>Accidental death benefit</li><li>Terminal illness</li> </ul> </div> </div> </div> </div> <div id="list-sc-item_1-0-4" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-best-no-medical-exam-insurance-penn-mutual"></span> <h3 id="list-sc-item__heading_1-0-4" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Best No-Medical-Exam Insurance</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> Penn Mutual</span> </span> </span></h3> <div id="list-sc-item__rating_1-0-4" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0-4" class="comp star-rating" alt="4 out of 5 stars"> <span class="star-rating__label">4.0</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__empty-star star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: #d5d5d5;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0-4" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0-4" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0-4" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0-69" class="comp mntl-sc-block-image figure-2x1 mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-landscape figure-high-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 0px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:50.0%;"> <img data-src="https://www.investopedia.com/thmb/D8GYjF-10DELarjsQ1WvaF08-m0=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/PML_linear_logo_cmyk-black-ca70e9fd3ad341bdafef2a6d8b2d2c31.png" width="1500" height="750" alt="penn mutual" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0-4 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/D8GYjF-10DELarjsQ1WvaF08-m0=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/PML_linear_logo_cmyk-black-ca70e9fd3ad341bdafef2a6d8b2d2c31.png" width="1500" height="750" class="img--noscript universal-image__image" alt="penn mutual" /> </noscript> </div> </div> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-70" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating</strong>: A+</li><li><strong>Complaints</strong>: Much fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-71" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0-4" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="https://dotdash.covrtech.com/?utm_carrier=PennMutual&utm_journey=bridge" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" data-click-action="OffPageClick - External" id="button_1-0-4" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-73" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Best No-Medical Exam Insurance </span> </h3> <p id="mntl-sc-block_3-0-74" class="comp mntl-sc-block mntl-sc-block-html"> Penn Mutual customers can apply for coverage worth up to $10 million without a medical exam, more than any other company we reviewed.<br/> </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-76" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>High coverage limit for no-exam policies</p></li> <li><p>Whole life policyholders are eligible for a dividend and the dividend rate has been high</p></li> <li><p>Excellent customer complaint record</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>No online application or quotes</p></li> <li><p>No final expense insurance</p></li> <li><p>No live chat for customer service</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-78" class="comp mntl-sc-block mntl-sc-block-html"> Penn Mutual has the highest coverage limit for no-medical-exam insurance among the companies we reviewed. You can get a policy worth up to $10 million through its accelerated underwriting program. </p> <p id="mntl-sc-block_3-0-79" class="comp mntl-sc-block mntl-sc-block-html"> The company, founded in 1847 and based in Horsham, Pennsylvania, has paid dividends to policyholders for 175 straight years, reaching a high of $200 million in 2024.<span class="ql-inline-citation" data-cite="4"></span> The dividend interest rate of 5.75% was among the highest of the companies we reviewed. Penn Mutual has an excellent NAIC index, indicating that customers have made few complaints relative to the company's size. </p> <p id="mntl-sc-block_3-0-80" class="comp mntl-sc-block mntl-sc-block-html"> But if you want to shop for life insurance online, Penn Mutual doesn't offer the digital quoting and application features that many of its competitors do. You need to speak to an agent to buy its products. And while it has a wide product selection, it doesn't sell smaller, more affordable policies to cover final expenses.<br/> </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-82" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types</strong> </p> <ul id="mntl-sc-block_3-0-83" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Whole life</li><li>Children's whole life</li><li>Universal life</li><li>Indexed universal life</li><li>Variable universal life</li><li>No-medical-exam life</li> </ul> <p id="mntl-sc-block_3-0-84" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-85" class="comp mntl-sc-block mntl-sc-block-html"> <li>Spouse rider</li><li>Guaranteed insurability rider</li><li>Accidental death benefit</li><li>Terminal illness rider</li><li>Chronic illness rider</li><li>Children's term rider</li><li>Waiver of premium rider</li> </ul> </div> </div> </div> </div> <div id="list-sc-item_1-0-5" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-best-for-financial-strength-best-for-customer-satisfaction-thrivent"></span> <h3 id="list-sc-item__heading_1-0-5" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Best for Financial Strength</span>, <span class="split-text__item-secondary"> Best for Customer Satisfaction</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> Thrivent</span> </span> </span></h3> <div id="list-sc-item__rating_1-0-5" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0-5" class="comp star-rating" alt="4.1 out of 5 stars"> <span class="star-rating__label">4.1</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <svg style="position: absolute;" width="0" height="0"> <defs> <linearGradient id="linear-star-rating_5-0-5" x1="0%" y1="0%" x2="100%" y2="0%"> <stop offset="20%" stop-color="#333e8b" /> <stop offset="20%" stop-color="#d5d5d5" /> </linearGradient> </defs> </svg> <div class="star-rating__quarter-full star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: url(#linear-star-rating_5-0-5);" > <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.5 12.1"><path d="M6.2 0 8.2 4 12.5 4.6 9.4 7.7 10.1 12.1 6.2 10 2.4 12.1 3.1 7.7 0 4.6 4.3 4z"/></svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0-5" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0-5" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0-5" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0-86" class="comp mntl-sc-block-image figure-2x1 upscaleImg mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-landscape figure-high-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 93px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:50.0%;"> <img data-src="https://www.investopedia.com/thmb/uUCpcA6M_bvnTUgr7m8F8dJcjWg=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Thrivent-d7dade2eede44dc896722b629376fac8.jpg" width="1500" height="750" alt="Thrivent" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0-5 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/uUCpcA6M_bvnTUgr7m8F8dJcjWg=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Thrivent-d7dade2eede44dc896722b629376fac8.jpg" width="1500" height="750" class="img--noscript universal-image__image" alt="Thrivent" /> </noscript> </div> </div> <figcaption id="mntl-figure-caption_1-0-3" class="comp figure-caption mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p>Thrivent</p></span> </figcaption> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-87" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating: </strong>A++</li><li><strong>Complaints: </strong>Much fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-88" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0-5" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="https://dotdash.covrtech.com?utm_carrier=thrivent&utm_journey=bridge" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" data-click-action="OffPageClick - External" id="button_1-0-5" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-90" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Best for Financial Strength </span> </h3> <p id="mntl-sc-block_3-0-91" class="comp mntl-sc-block mntl-sc-block-html"> Thrivent received an A++ rating from A.M. Best for its financial strength, the highest score possible. But Thrivent is a member-owned organization for Christians. It asks that only Christians or their spouses apply. </p> <h3 id="mntl-sc-block_3-0-92" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Best for Customer Satisfaction </span> </h3> <p id="mntl-sc-block_3-0-93" class="comp mntl-sc-block mntl-sc-block-html"> Thrivent had the best three-year average score for customer complaints to state regulators of any of the companies we researched—though MassMutual is a very close second. Thrivent’s average NAIC index was 0.73, far better than expected for a company of its size. MassMutual’s was 0.75. (An index of 1.0 indicates a company received about as many complaints as expected for its size.) </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-95" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>A++ financial strength rating</p></li> <li><p>Best complaint score of any company we reviewed</p></li> <li><p>Good policy selection</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Only available to applicants who declare themselves Christians</p></li> <li><p>No online applications</p></li> <li><p>Limited rider selection</p></li> <li><p>No child term rider</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-97" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/terms/a/a-m-best.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">AM Best</a> reviews insurance companies based on their financial strength. It gave Thrivent an A++ rating, the highest score possible. This shows that Thrivent is in an excellent position to pay out its claims and benefits. Thrivent also excels at satisfying customers. Of the more than 40 companies we reviewed, it received the fewest customer complaints relative to its size. Thrivent offers a broad range of life insurance types, including term, whole life, and universal. </p> <p id="mntl-sc-block_3-0-98" class="comp mntl-sc-block mntl-sc-block-html"> Still, the company has a few drawbacks. The main one is its limited membership—it is only open to Christians. Also, you can’t apply for policies online and must speak with an agent. Thrivent has fewer riders than other top competitors and is noticeably missing a child term rider. </p> <p id="mntl-sc-block_3-0-99" class="comp mntl-sc-block mntl-sc-block-html"> Thrivent was founded in 1902 and is located in Minneapolis. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-101" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types</strong> </p> <ul id="mntl-sc-block_3-0-102" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Whole life</li><li>Children’s whole life</li><li>Universal life</li><li>Variable universal life</li><li>No-medical-exam life (term)</li> </ul> <p id="mntl-sc-block_3-0-103" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-104" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term conversion</li><li>Guaranteed insurability rider</li><li>Waiver of premium</li><li>Terminal illness</li> </ul> </div> </div> </div> </div> <div id="list-sc-item_1-0-6" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-best-for-universal-life-pacific-life"></span> <h3 id="list-sc-item__heading_1-0-6" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Best for Universal Life</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> Pacific Life</span> </span> </span></h3> <div id="list-sc-item__rating_1-0-6" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0-6" class="comp star-rating" alt="3.9 out of 5 stars"> <span class="star-rating__label">3.9</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <svg style="position: absolute;" width="0" height="0"> <defs> <linearGradient id="linear-star-rating_5-0-6" x1="0%" y1="0%" x2="100%" y2="0%"> <stop offset="80%" stop-color="#333e8b" /> <stop offset="80%" stop-color="#d5d5d5" /> </linearGradient> </defs> </svg> <div class="star-rating__quarter-empty star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: url(#linear-star-rating_5-0-6);" > <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.5 12.1"><path d="M6.2 0 8.2 4 12.5 4.6 9.4 7.7 10.1 12.1 6.2 10 2.4 12.1 3.1 7.7 0 4.6 4.3 4z"/></svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__empty-star star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: #d5d5d5;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0-6" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0-6" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0-6" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0-105" class="comp mntl-sc-block-image figure-3x2 upscaleImg mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-landscape figure-high-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 717px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:66.6%;"> <img data-src="https://www.investopedia.com/thmb/82P7_UyOcW3gSpWVFm5V_9jepL4=/fit-in/1500x1000/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Pacific_Life-b0c8ff4673204466b6a2e7245975f41a.jpg" width="1500" height="1000" alt="Pacific Life" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0-6 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/82P7_UyOcW3gSpWVFm5V_9jepL4=/fit-in/1500x1000/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Pacific_Life-b0c8ff4673204466b6a2e7245975f41a.jpg" width="1500" height="1000" class="img--noscript universal-image__image" alt="Pacific Life" /> </noscript> </div> </div> <figcaption id="mntl-figure-caption_1-0-4" class="comp figure-caption mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p>Pacific Life</p></span> </figcaption> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-106" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating</strong>: A+</li><li><strong>Complaints</strong>: Much fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-107" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0-6" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="https://dotdash.covrtech.com/?utm_carrier=PacificLife&utm_journey=term" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" data-click-action="OffPageClick - External" id="button_1-0-6" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-109" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Best for Universal Life </span> </h3> <p id="mntl-sc-block_3-0-110" class="comp mntl-sc-block mntl-sc-block-html"> Pacific Life's universal life insurance (UL) selection stands out because the company offers all the main variations of UL (indexed universal, variable universal) and multiple product choices for each one. There’s also a large group of riders to choose from and the UL coverage range is wide, with policies as small as $25,000 and essentially no maximum limit. Finally, we like that you can also add a child term rider to UL policies. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-112" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Sells all the variations of universal life</p></li> <li><p>No maximum coverage limits</p></li> <li><p>Great customer satisfaction rating</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>No online quotes or applications</p></li> <li><p>No whole life insurance</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-114" class="comp mntl-sc-block mntl-sc-block-html"> Pacific Life specializes in more complex universal life insurance policies. It sells all three main variations: universal, indexed universal (IUL), and variable universal (VUL). Only a few other insurers, such as Nationwide, Prudential, and John Hancock, offer all three, and often they can’t match Pacific Life’s variety of product offerings. In some markets, Pacific Life has two different UL products, five VUL products, and four IUL products. </p> <p id="mntl-sc-block_3-0-115" class="comp mntl-sc-block mntl-sc-block-html"> However, Pacific Life requires you to meet a representative in person to discuss these complex products; you can’t apply online. Pacific Life also does not sell whole life insurance. Pacific Life launched in 1868 and is based in Newport Beach, California. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-117" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types</strong> </p> <ul id="mntl-sc-block_3-0-118" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Universal life</li><li>Index universal life</li><li>Variable universal life</li><li>No-medical-exam life </li> </ul> <p id="mntl-sc-block_3-0-119" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-120" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term conversion</li><li>Child term</li><li>Waiver of premium</li><li>Disability income</li><li>Terminal illness</li><li>Long-term care</li><li>Chronic illness</li> </ul> </div> </div> </div> </div> <div id="list-sc-item_1-0-7" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-also-great-for-no-medical-exam-life-insurance-symetra"></span> <h3 id="list-sc-item__heading_1-0-7" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Also Great for No-Medical-Exam Life Insurance</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> Symetra</span> </span> </span></h3> <div id="list-sc-item__rating_1-0-7" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0-7" class="comp star-rating" alt="3.4 out of 5 stars"> <span class="star-rating__label">3.4</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <svg style="position: absolute;" width="0" height="0"> <defs> <linearGradient id="linear-star-rating_5-0-7" x1="0%" y1="0%" x2="100%" y2="0%"> <stop offset="50%" stop-color="#333e8b" /> <stop offset="50%" stop-color="#d5d5d5" /> </linearGradient> </defs> </svg> <div class="star-rating__quarter-full star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: url(#linear-star-rating_5-0-7);" > <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.5 12.1"><path d="M6.2 0 8.2 4 12.5 4.6 9.4 7.7 10.1 12.1 6.2 10 2.4 12.1 3.1 7.7 0 4.6 4.3 4z"/></svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__empty-star star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: #d5d5d5;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0-7" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0-7" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0-7" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0-121" class="comp mntl-sc-block-image figure-2x1 mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-landscape figure-high-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 0px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:50.0%;"> <img data-src="https://www.investopedia.com/thmb/OXfarGWQz34Cg-Xk4X64TyO0nmM=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Symetra-f8f441deb57640f7937257c32278117d.jpg" width="1500" height="750" alt="Symetra" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0-7 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/OXfarGWQz34Cg-Xk4X64TyO0nmM=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Symetra-f8f441deb57640f7937257c32278117d.jpg" width="1500" height="750" class="img--noscript universal-image__image" alt="Symetra" /> </noscript> </div> </div> <figcaption id="mntl-figure-caption_1-0-5" class="comp figure-caption mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p>Symetra</p></span> </figcaption> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-122" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating</strong>: A</li><li><strong>Complaints</strong>: Much fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-123" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0-7" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="https://dotdash.covrtech.com/?utm_carrier=symetra&utm_journey=term" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" data-click-action="OffPageClick - External" id="button_1-0-7" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-125" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Also Great for No-Medical Exam Life Insurance </span> </h3> <p id="mntl-sc-block_3-0-126" class="comp mntl-sc-block mntl-sc-block-html"> Symetra sells policies worth up to $5 million that don’t require a medical exam, with rapid approval decisions. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-128" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>High limit for no-medical-exam life</p></li> <li><p>Fast underwriting decisions</p></li> <li><p>High customer satisfaction</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Limited policy types</p></li> <li><p>Small rider selection</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-130" class="comp mntl-sc-block mntl-sc-block-html"> If you don’t want to take a medical exam, Symetra is another fine choice. You could qualify for up to $5 million of coverage with no exam, provided you can pass based on age, income, and medical records. Symetra lets you apply online and can make coverage decisions in minutes. </p> <p id="mntl-sc-block_3-0-131" class="comp mntl-sc-block mntl-sc-block-html"> While Symetra can be great for no-exam term life, it doesn’t offer much choice beyond that. It doesn’t sell whole life insurance or many policy riders. Symetra was founded in 1957 and is based in Bellevue, Washington. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-133" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types</strong> </p> <ul id="mntl-sc-block_3-0-134" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Indexed universal life</li><li>Variable universal life</li><li>No-medical-exam life (term)</li> </ul> <p id="mntl-sc-block_3-0-135" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-136" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term conversion</li><li>Child term</li><li>Waiver of premium</li><li>Accidental death benefit</li><li>Terminal illness</li> </ul> </div> </div> </div> </div> <div id="list-sc-item_1-0-8" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-also-great-for-childrens-life-insurance-protective-life"></span> <h3 id="list-sc-item__heading_1-0-8" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Also Great for Children’s Life Insurance</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> Protective Life</span> </span> </span></h3> <div id="list-sc-item__rating_1-0-8" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0-8" class="comp star-rating" alt="4.3 out of 5 stars"> <span class="star-rating__label">4.3</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <svg style="position: absolute;" width="0" height="0"> <defs> <linearGradient id="linear-star-rating_5-0-8" x1="0%" y1="0%" x2="100%" y2="0%"> <stop offset="40%" stop-color="#333e8b" /> <stop offset="40%" stop-color="#d5d5d5" /> </linearGradient> </defs> </svg> <div class="star-rating__quarter-full star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: url(#linear-star-rating_5-0-8);" > <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.5 12.1"><path d="M6.2 0 8.2 4 12.5 4.6 9.4 7.7 10.1 12.1 6.2 10 2.4 12.1 3.1 7.7 0 4.6 4.3 4z"/></svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0-8" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0-8" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0-8" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0-137" class="comp mntl-sc-block-image figure-3x2 upscaleImg mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-landscape figure-high-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 700px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:66.6%;"> <img data-src="https://www.investopedia.com/thmb/zb1pbu6h_6NTQe8v66PaY14pa8o=/fit-in/1500x1000/filters:format(png):fill(white):max_bytes(150000):strip_icc()/ProtectiveLife-63fd02ddf24c4ac89d4f634d0f7cfa84.jpg" width="1500" height="1000" alt="Protective Life" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0-8 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/zb1pbu6h_6NTQe8v66PaY14pa8o=/fit-in/1500x1000/filters:format(png):fill(white):max_bytes(150000):strip_icc()/ProtectiveLife-63fd02ddf24c4ac89d4f634d0f7cfa84.jpg" width="1500" height="1000" class="img--noscript universal-image__image" alt="Protective Life" /> </noscript> </div> </div> <figcaption id="mntl-figure-caption_1-0-6" class="comp figure-caption mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p>Protective Life</p></span> </figcaption> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-138" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating</strong>: A+</li><li><strong>Complaints</strong>: Fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-139" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0-8" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="https://dotdash.covrtech.com/?utm_carrier=Protective&utm_journey=term" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" data-click-action="OffPageClick - External" id="button_1-0-8" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-141" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Also Great for Children’s Life Insurance </span> </h3> <p id="mntl-sc-block_3-0-142" class="comp mntl-sc-block mntl-sc-block-html"> Protective offers the best term rider for covering children, making it a solid choice to protect your entire family at once. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-144" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Extensive coverage for child term rider</p></li> <li><p>Whole life policies available with a death benefit as small as $1,000</p></li> <li><p>Sells 40-year term life</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>No children’s whole life policies</p></li> <li><p>All applications require a medical exam</p></li> <li><p>No dividends for whole life policies</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-146" class="comp mntl-sc-block mntl-sc-block-html"> A child term rider adds insurance for your children to your life insurance policy. While other insurers offer this benefit, Protective stands out for having the best. Its rider covers your children until they turn 25. Your children can also take over the life insurance when they become adults and convert the temporary term insurance into permanent lifetime coverage. </p> <p id="mntl-sc-block_3-0-147" class="comp mntl-sc-block mntl-sc-block-html"> However, Protective Life does not sell a standalone child’s whole life policy. If you want to cover your child, you can only do so through a rider. Beyond child coverage, Protective has a wide selection of policies and riders. </p> <p id="mntl-sc-block_3-0-148" class="comp mntl-sc-block mntl-sc-block-html"> Protective Life launched in 1907 and has its headquarters in Birmingham, Alabama. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-150" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types</strong> </p> <ul id="mntl-sc-block_3-0-151" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Whole life</li><li>Universal life</li><li>Index universal life</li><li>Variable universal life</li> </ul> <p id="mntl-sc-block_3-0-152" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-153" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term conversion</li><li>Child term</li><li>Guaranteed insurability rider</li><li>Waiver of premium</li><li>Accidental death benefit</li><li>Terminal illness</li><li>Chronic illness</li> </ul> </div> </div> </div> </div> <div id="list-sc-item_1-0-9" class="comp mntl-sc-list-item structured-content list-sc-item mntl-block" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard"> <span class="heading-toc" id="toc-also-great-for-whole-life-insurance-massmutual"></span> <h3 id="list-sc-item__heading_1-0-9" class="comp list-sc-item__heading split-text--roundup-title split-text" data-click-tracked="true" data-click-action="Null" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Header"> <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary">Also Great for Whole Life Insurance</span> </span> </span>: <span class="split-text__item"> <span class="split-text__secondary-wrapper"> <span class="split-text__item-secondary"> MassMutual</span> </span> </span></h3> <div id="list-sc-item__rating_1-0-9" class="comp list-sc-item__rating product-rating"> <span class="product-rating__rating-label noskim "> Investopedia's Rating </span> <div id="star-rating_5-0-9" class="comp star-rating" alt="3.9 out of 5 stars"> <span class="star-rating__label">3.9</span> <div class="star-rating__stars" data-rating-caption=""> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-1 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-2 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__full-star star-rating__icon star-rating__star-3 star-rating_star-icon" style="fill: #333e8b;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> <div class="star-rating__wrapper"> <svg style="position: absolute;" width="0" height="0"> <defs> <linearGradient id="linear-star-rating_5-0-9" x1="0%" y1="0%" x2="100%" y2="0%"> <stop offset="80%" stop-color="#333e8b" /> <stop offset="80%" stop-color="#d5d5d5" /> </linearGradient> </defs> </svg> <div class="star-rating__quarter-empty star-rating__icon star-rating__star-4 star-rating_star-icon" style="fill: url(#linear-star-rating_5-0-9);" > <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.5 12.1"><path d="M6.2 0 8.2 4 12.5 4.6 9.4 7.7 10.1 12.1 6.2 10 2.4 12.1 3.1 7.7 0 4.6 4.3 4z"/></svg> </div> </div> <div class="star-rating__wrapper"> <div class="star-rating__empty-star star-rating__icon star-rating__star-5 star-rating_star-icon" style="fill: #d5d5d5;" > <svg class="icon star-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#star-icon"></use> </svg> </div> </div> </div></div> </div> <hr id="list-sc-item__header-break_1-0-9" class="comp list-sc-item__header-break mntl-block"></hr> <div id="list-sc-item__content_1-0-9" class="comp list-sc-item__content mntl-block"> <div id="list-sc-item__intro_1-0-9" class="comp list-sc-item__intro mntl-block"> <div class="tabbed-sc-block-intro"> <figure id="mntl-sc-block_3-0-154" class="comp mntl-sc-block-image figure-2x1 mntl-sc-block prm-sc-block-image mntl-sc-block-universal-image figure-landscape figure-high-res" data-click-tracked="true" data-click-action="OffPageNavClick" style="--imgWidth: 0px" data-tracking-container="true" data-tracking-id="PRM Roundup | ProductCard - Logo"> <div class="figure-media"> <div class="img-placeholder" style="padding-bottom:50.0%;"> <img data-src="https://www.investopedia.com/thmb/Xsmbfh-qAP1-pXm3sjkriNUTf2c=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/MassMutual-5542d799adfc45ebb6a7ab9b116e9c7c.jpg" width="1500" height="750" alt="MassMutual" class="lazyload universal-image__image" data-expand="300" id=mntl-sc-block-image_1-0-9 data-click-tracked="true" data-click-action="Null" data-tracking-container="false" data-img-lightbox="false" /> <noscript> <img src="https://www.investopedia.com/thmb/Xsmbfh-qAP1-pXm3sjkriNUTf2c=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/MassMutual-5542d799adfc45ebb6a7ab9b116e9c7c.jpg" width="1500" height="750" class="img--noscript universal-image__image" alt="MassMutual" /> </noscript> </div> </div> <figcaption id="mntl-figure-caption_1-0-7" class="comp figure-caption mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p>MassMutual</p></span> </figcaption> </figure> <div class="tabbed-sc-block-intro__content"> <ul id="mntl-sc-block_3-0-155" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Financial Strength Rating</strong>: A++</li><li><strong>Complaints</strong>: Much fewer than expected for company size</li> </ul> <div id="mntl-sc-block_3-0-156" class="comp mntl-sc-block prm-sc-block-commerce--finance prm-sc-block-commerce mntl-sc-block-commerce--universal-image mntl-sc-block-commerce mntl-block" data-use-external-image="false" data-click-tracked="true" data-link-closest-header="false" data-use-child-url=".mntl-sc-block-commerce__button" data-tracking-id="PRM Roundup | ProductCard - Button" data-tracking-container="true"> <div id="mntl-sc-block-commerce-button-list_1-0-9" class="comp mntl-sc-block-commerce-button-list mntl-commerce-button-list-block mntl-block"> <a href="https://dotdash.covrtech.com/?utm_carrier=MassMutual&utm_journey=wl" target="_blank" rel="noskim nofollow sponsored noopener nocaes" data-retailer-type="other" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" data-click-action="OffPageClick - External" id="button_1-0-9" data-tracking-container="false" class=" button mntl-commerce-button js-extended-commerce__button mntl-sc-block-commerce__button" data-tracking-container="true" ><span class="link__wrapper">Get a Quote</span></a> </div> </div> </div> </div> </div> <div class="tabbed-sc-block tabbed-sc-block--no-tabs tabbed-sc-block--full-accordion" data-tracking-id="PRM Roundup | ProductCard" data-tracking-container="true" data-click-action="OnPageClick-Product Tab Click"> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Why We Chose It</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="1"> <h3 id="mntl-sc-block_3-0-158" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Also Great for Whole Life Insurance </span> </h3> <p id="mntl-sc-block_3-0-159" class="comp mntl-sc-block mntl-sc-block-html"> MassMutual stands out for paying the highest whole life dividend rate, helping grow the cash value for policyholders. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">Pros & Cons</span> </div> <div class="tabbed-sc-block__content js-tabbed-content is-active is-initial-load" data-tab-index="2"> <div id="mntl-sc-block_3-0-161" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Generous whole life dividends</p></li> <li><p>Sells whole life up until age 90</p></li> <li><p>Great customer satisfaction rating</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>No online quotes or applications</p></li> <li><p>Applications require a medical exam</p></li> <li><p>No same-day decisions</p></li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="3"> <span class="tabbed-sc-block__text">Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="3"> <p id="mntl-sc-block_3-0-163" class="comp mntl-sc-block mntl-sc-block-html"> MassMutual is another solid option for a whole life insurance policy. It pays the highest dividend rate of all insurers on this list, giving policyholders solid risk-free growth for their cash value. MassMutual also sells whole life policies to people up to age 90, tied with Thrivent and Guardian Life for the highest age limit. </p> <p id="mntl-sc-block_3-0-164" class="comp mntl-sc-block mntl-sc-block-html"> You can't apply online to take out a MassMutual policy; you must talk with an agent. All applications require a medical exam, and there are no same-day decisions. MassMutual launched in 1860 and is based in Springfield, Massachusetts. </p> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="4"> <span class="tabbed-sc-block__text">Policy Types & Riders</span> </div> <div class="tabbed-sc-block__content js-tabbed-content " data-tab-index="4"> <p id="mntl-sc-block_3-0-166" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Policy Types</strong> </p> <ul id="mntl-sc-block_3-0-167" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life</li><li>Whole life</li><li>Children’s whole life</li><li>Universal life</li><li>Variable universal life</li> </ul> <p id="mntl-sc-block_3-0-168" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Available Riders</strong> </p> <ul id="mntl-sc-block_3-0-169" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term conversion</li><li>Spouse rider</li><li>Guaranteed insurability rider</li><li>Waiver of premium</li><li>Disability income</li><li>Terminal illness</li><li>Chronic illness</li> </ul> </div> </div> </div> </div> </div> <div class="article-outro article-container"> <div id="article-outro__content_1-0" class="comp mntl-sc-page--commerce structured-content article-outro__content prm-sc-page mntl-sc-page mntl-block"> <span class="heading-toc" id="toc-compare-the-best-life-insurance-companies"></span> <h2 id="mntl-sc-block_4-0" class="comp mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Compare the Best Life Insurance Companies </span> </h2> <figure id="mntl-sc-block_4-0-1" class="comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table" data-tracking-container="true" data-tracking-id="PRM Roundup | Table Block"> <div class="mntl-sc-block-table__table-wrapper"> <table class="mntl-sc-block-table__table"> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <thead> <tr> <th><b>Company</b></th> <th><b>Star Rating</b></th> <th><b>Best For</b></th> <th><b>Sample Term Cost* </b></th> </tr> </thead> <tbody data-check="0"> <tr> <td><b>Nationwide</b></td> <td>4.80</td> <td>Best Overall, <a href="https://www.investopedia.com/best-life-insurance-for-people-over-50-4846582" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer">Best Life Insurance for People Over 50</a>, <a href="https://www.investopedia.com/best-life-insurance-for-children-5088586" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2" rel="noopener noreferrer">Best Children’s Life Insurance</a></td> <td>$31.50</td> </tr> <tr> <td><b>Banner</b></td> <td>4.08</td> <td><a href="https://www.investopedia.com/best-term-life-insurance-4845961" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer">Best Term Life Insurance</a></td> <td>$27.96</td> </tr> <tr> <td><b>Lafayette</b></td> <td>4.02</td> <td><a href="https://www.investopedia.com/best-whole-life-insurance-4845955" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer">Best Whole Life Insurance</a></td> <td>N/A</td> </tr> <tr> <td><b>SBLI</b></td> <td>4.23</td> <td>Cheapest Term Premiums</td> <td>$27.97</td> </tr> <tr> <td><b>Penn Mutual</b></td> <td>3.96</td> <td><a href="https://www.investopedia.com/best-no-medical-exam-life-insurance-5078737" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer">Best No-Medical Exam Insurance</a></td> <td>$28.29</td> </tr> <tr> <td><b>Thrivent</b></td> <td>4.06</td> <td>Best for Financial Strength, Best for Customer Satisfaction</td> <td>$26.66</td> </tr> <tr> <td><b>Pacific Life</b></td> <td>3.86</td> <td><a href="https://www.investopedia.com/best-universal-life-insurance-4845846" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer">Best Universal Life Insurance</a></td> <td>$28.02</td> </tr> <tr> <td><b>Symetra</b></td> <td>3.40</td> <td>Also Great for No-Medical-Exam Life Insurance</td> <td>$27.98</td> </tr> <tr> <td><b>Protective</b></td> <td>4.27</td> <td>Also Great for Children’s Life Insurance</td> <td>$27.97</td> </tr> <tr> <td><b>MassMutual</b></td> <td>3.86</td> <td>Also Great for Whole Life Insurance</td> <td>$33.50</td> </tr> </tbody> </table> <figcaption>*Sample term cost is based on quotes collected from Term4Sale, Quotacy, and individual company websites for a 30-year $250,000 term policy for male non-smokers born in 1984 with excellent health. It’s an average of quotes collected in ZIP codes 90011 and 77084.</figcaption> </figure> <span class="heading-toc" id="toc-our-expert-pick-for-the-best-life-insurance"></span> <h2 id="mntl-sc-block_4-0-2" class="comp mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Our Expert Pick for the Best Life Insurance </span> </h2> <p id="mntl-sc-block_4-0-3" class="comp mntl-sc-block mntl-sc-block-html"> All the companies on our list could be good for your coverage. The right option depends on what you’re looking for. Nationwide is our pick for best overall insurer thanks to its product selection, and it stands out as a top choice for covering children and people over 50. Protective Life is also a quality option for children’s life insurance, thanks to its child term rider. </p> <p id="mntl-sc-block_4-0-4" class="comp mntl-sc-block mntl-sc-block-html"> If you want temporary term coverage—meaning for a few decades instead of your whole life—Banner Life has the best overall term policies, while SBLI charges the cheapest term premiums for most people. If you want permanent coverage, Lafayette and MassMutual are great options for whole life, while Pacific Life is best for universal. If you don’t want to have to take a medical exam while applying, consider Penn Mutual or Symetra. Finally, Thrivent stands out as the most financially stable, per the AM Best ratings, and it has the best customer satisfaction rating of all the companies we researched. </p> <span class="heading-toc" id="toc-what-are-the-types-of-life-insurance"></span> <h2 id="mntl-sc-block_4-0-5" class="comp mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> What Are the Types of Life Insurance? </span> </h2> <p id="mntl-sc-block_4-0-6" class="comp mntl-sc-block mntl-sc-block-html"> There are many types of life insurance, with differences based on how long the coverage lasts, the application process, and whether you get any <a href="https://www.investopedia.com/what-is-life-insurance-with-living-benefits-8606326" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">living benefits</a> (access to your cash value while you’re alive. Here are the main types on the market: </p> <ul id="mntl-sc-block_4-0-7" class="comp mntl-sc-block mntl-sc-block-html"> <li>Term life insurance</li><li>Whole life insurance</li><li>Universal life insurance </li><li>No-medical-exam life insurance</li> </ul> <h3 id="mntl-sc-block_4-0-8" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> What Is Term Life Insurance? </span> </h3> <p id="mntl-sc-block_4-0-9" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/terms/t/termlife.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Term life insurance</a> is temporary coverage. You buy a policy that lasts a set amount of time, such as five or 20 years. If you pass away during the term, your heirs receive the death benefit. If you outlive the term, your coverage ends. Term life insurance is not guaranteed to last your entire life and doesn’t provide cash value. However, it is the most affordable option. </p> <p id="mntl-sc-block_4-0-10" class="comp mntl-sc-block mntl-sc-block-html"> "Term life insurance is usually the best fit," said <a href="https://www.investopedia.com/sammy-azzouz-8680439" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Sammy Azzouz</a>, a member of <a href="https://www.investopedia.com/advisor-council-8694632" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">Investopedia’s Financial Advisor Council</a>. "Consider getting a policy on top of your workplace plan, since the workplace plan might not be portable and you could develop health issues down the road that would make it harder for you to get coverage at that time." </p> <figure id="mntl-sc-block_4-0-11" class="comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table" data-tracking-container="true" data-tracking-id="PRM Roundup | Table Block"> <div class="mntl-sc-block-table__table-wrapper"> <table class="mntl-sc-block-table__table"> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <thead> <tr> <th colspan="2" class="mntl-sc-block-table__title">Best Term Life Insurance Companies</th> </tr> </thead> <tbody data-check="-1"> <tr> <th><b>Banner</b></th> <td><em>Best Overall</em> <em>Best Convertible Term </em></td> </tr> <tr> <th><b>SBLI</b></th> <td><em>Best for Cheap Insurance</em></td> </tr> <tr> <th><b>Protective</b></th> <td><em>Best for Children</em></td> </tr> <tr> <th><b>AAA</b></th> <td><em>Best for Return of Premium</em></td> </tr> <tr> <th><b>Nationwide</b></th> <td><em>Best for Living Benefits</em></td> </tr> <tr> <th><b>State Farm</b></th> <td><em>Best for Financial Stability</em></td> </tr> </tbody> </table> </figure> <h3 id="mntl-sc-block_4-0-12" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> What Is Whole Life Insurance? </span> </h3> <p id="mntl-sc-block_4-0-13" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/terms/w/wholelife.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Whole life insurance</a> is guaranteed to last your entire life, provided you keep paying the premiums. The premiums are also guaranteed not to increase. Whole life insurance can build cash value with a guaranteed return, plus some policies pay <a href="https://www.investopedia.com/articles/personal-finance/011816/guide-dividendpaying-whole-life-insurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">dividends</a>. Whole life insurance is more expensive than other policy types. However, you can get small whole life policies with affordable premiums to cover funeral expenses. </p> <p id="mntl-sc-block_4-0-14" class="comp mntl-sc-block mntl-sc-block-html"> "I always advise getting a permanent policy that covers final expenses to avoid the risk of paying <a href="https://www.investopedia.com/terms/r/renewableterm.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">annual renewable premiums</a> for term life insurance that becomes unaffordable," said <a href="https://www.investopedia.com/sibyl-slade-8629378" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">Sibyl Slade</a>, a member of <a href="https://www.investopedia.com/advisor-council-8694632" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="3">Investopedia’s Financial Advisor Council</a>. </p> <figure id="mntl-sc-block_4-0-15" class="comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table" data-tracking-container="true" data-tracking-id="PRM Roundup | Table Block"> <div class="mntl-sc-block-table__table-wrapper"> <table class="mntl-sc-block-table__table"> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <thead> <tr> <th colspan="2" class="mntl-sc-block-table__title">Best Whole Life Insurance Companies</th> </tr> </thead> <tbody data-check="-1"> <tr> <th><b>Lafayette</b><br/></th> <td><em>Best Overall</em></td> </tr> <tr> <th><b>MassMutual</b><br/></th> <td><em>Best for High Issue Age</em><br/><em>Best for Financial Strength</em><br/><em>Best for Dividends</em><br/><em>Best for Customer Satisfaction</em></td> </tr> <tr> <th><b>Nationwide</b></th> <td><em>Best for Living Benefits</em><br/><em>Best for Burial Insurance</em></td> </tr> <tr> <th><b>Assurity</b></th> <td><em>Best for Children</em></td> </tr> <tr> <th><b>Transamerica</b></th> <td><em>Best for Small Policies</em></td> </tr> </tbody> </table> </figure> <h3 id="mntl-sc-block_4-0-16" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> What Is Universal Life? </span> </h3> <p id="mntl-sc-block_4-0-17" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/terms/u/universallife.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Universal life</a> is another type of permanent policy that can offer lifelong coverage. With universal life, you can change the premium payment each year. However, you must pay enough to keep up with life insurance costs. These policies give more flexibility but require more work to manage. </p> <p id="mntl-sc-block_4-0-18" class="comp mntl-sc-block mntl-sc-block-html"> Universal life insurance policies also build cash value. Regular universal life insurance grows based on market interest rates. Your returns are somewhat unpredictable, though there is a minimum guaranteed return. </p> <h3 id="mntl-sc-block_4-0-19" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> What Is Indexed Universal Life Insurance (IUL)? </span> </h3> <p id="mntl-sc-block_4-0-20" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/articles/insurance/09/indexed-universal-life-insurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Indexed universal life insurance</a> grows your cash value based on the performance of some market index, like the S&P 500. However, there are limits on your possible gains and losses. Many IULs guarantee a minimum return in market downturns but cap your growth in good years. </p> <h3 id="mntl-sc-block_4-0-21" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> What Are Variable Universal Life (VUL) and Variable Life Insurance? </span> </h3> <p id="mntl-sc-block_4-0-22" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/terms/v/variableuniversallife.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Variable universal life</a> and <a href="https://www.investopedia.com/ask/answers/08/variable-life-insurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">variable life</a> both let you invest in stocks, bonds, and mutual funds. You have more upside potential than the other life insurance types but could lose money in your cash value during downturns. A VUL policy lets you adjust the premium payments yearly, whereas variable life charges steady premiums. </p> <figure id="mntl-sc-block_4-0-23" class="comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table" data-tracking-container="true" data-tracking-id="PRM Roundup | Table Block"> <div class="mntl-sc-block-table__table-wrapper"> <table class="mntl-sc-block-table__table"> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <thead> <tr> <th colspan="2" class="mntl-sc-block-table__title">Best Universal Life Insurance Companies</th> </tr> </thead> <tbody data-check="-1"> <tr> <th><b>Pacific Life</b><br/></th> <td><em>Best Overall</em><br/><em>Best Variable Universal Life</em><br/><em>Best Indexed Universal Life</em></td> </tr> <tr> <th><b>MassMutual</b><br/></th> <td><em>Best for Customer Satisfaction</em><br/><em>Best for Living Benefits</em><br/><em>Best for Financial Strength</em></td> </tr> <tr> <th><b>John Hancock</b></th> <td><em>Best for High Issue Age</em></td> </tr> <tr> <th><b>Midland National</b></th> <td><em>Best for No Medical Exam</em></td> </tr> </tbody> </table> </figure> <h3 id="mntl-sc-block_4-0-24" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> What Is No-Medical-Exam Life Insurance? </span> </h3> <p id="mntl-sc-block_4-0-25" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/best-no-medical-exam-life-insurance-5078737" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">No-medical-exam life insurance</a> lets you apply for and potentially buy life insurance without getting a physical exam first. Instead, insurers decide to approve you based on other information like your medical and prescription records, driving record, and answers to questions on the application. </p> <p id="mntl-sc-block_4-0-26" class="comp mntl-sc-block mntl-sc-block-html"> No-medical-exam life insurance has a faster, easier application process. However, there could be limits on the coverage amounts and policy types. In addition, premiums can be higher for some kinds of no-medical-exam life insurance, like <a href="https://www.investopedia.com/terms/g/guaranteed-issue-life-insurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">guaranteed issue</a> burial insurance, because they accept people with health issues. </p> <figure id="mntl-sc-block_4-0-27" class="comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table" data-tracking-container="true" data-tracking-id="PRM Roundup | Table Block"> <div class="mntl-sc-block-table__table-wrapper"> <table class="mntl-sc-block-table__table"> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <thead> <tr> <th colspan="2" class="mntl-sc-block-table__title">Best No-Exam Life Insurance Companies</th> </tr> </thead> <tbody data-check="-1"> <tr> <th><b>Penn Mutual</b></th> <td><em>Best Overall</em><br/><em>Best for High Coverage Limit</em></td> </tr> <tr> <th><b>Thrivent</b></th> <td><em>Best for Financial Strength</em><br/><em>Best for Customer Satisfaction</em></td> </tr> <tr> <th><b>Nationwide</b></th> <td><em>Best for Instant Decision </em><br/><em>Best for Burial Insurance</em></td> </tr> </tbody> </table> </figure> <span class="heading-toc" id="toc-how-much-does-life-insurance-cost"></span> <h2 id="mntl-sc-block_4-0-28" class="comp mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> How Much Does Life Insurance Cost? </span> </h2> <p id="mntl-sc-block_4-0-29" class="comp mntl-sc-block mntl-sc-block-html"> Life insurance costs depend on several factors, including the amount of coverage, features and benefits, your age, gender, overall health, family medical history, lifestyle, and the insurer you work with. You’ll need to apply to see precisely <a href="https://www.investopedia.com/how-much-is-life-insurance-7112541" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">how much life insurance costs</a> for you. </p> <p id="mntl-sc-block_4-0-30" class="comp mntl-sc-block mntl-sc-block-html"> The type of coverage you buy also makes a big difference. Permanent policies like whole life insurance typically charge more than term life insurance policies for the same death benefit because the policy doesn’t expire as long as you pay your premiums, and it has a savings component (<a href="https://www.investopedia.com/terms/c/cash-value-life-insurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">cash value</a>) that grows as you age. Here are quotes from the top insurers in this article. </p> <h3 id="mntl-sc-block_4-0-31" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Term Life Policy Costs </span> </h3> <figure id="mntl-sc-block_4-0-32" class="comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table" data-tracking-container="true" data-tracking-id="PRM Roundup | Table Block"> <div class="mntl-sc-block-table__table-wrapper"> <table class="mntl-sc-block-table__table"> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <thead> <tr> <th><b>Company Name</b></th> <th><b>30-Year-Old Female</b></th> <th><b>30-Year-Old Male</b></th> <th><b>40-Year-Old Female</b></th> <th><b>40-Year-Old Male</b></th> <th><b>55-Year-Old Female</b></th> <th><b>55-Year-Old Male</b></th> </tr> </thead> <tbody data-check="0"> <tr> <td>Nationwide</td> <td>$18.81</td> <td>$22.97</td> <td>$26.25</td> <td>$31.50</td> <td>$99.97</td> <td>n/a</td> </tr> <tr> <td>Banner</td> <td>$14.36</td> <td>$17.03</td> <td>$22.67</td> <td>$27.96</td> <td>$90.52</td> <td>$117.74</td> </tr> <tr> <td>Lafayette</td> <td>n/a</td> <td>n/a</td> <td>n/a</td> <td>n/a</td> <td>n/a</td> <td>n/a</td> </tr> <tr> <td>SBLI</td> <td>$14.34</td> <td>$16.99</td> <td>$22.68</td> <td>$27.97</td> <td>$68.30</td> <td>$98.30</td> </tr> <tr> <td>Penn Mutual</td> <td>$14.53</td> <td>$17.23</td> <td>$22.94</td> <td>$28.29</td> <td>$82.11</td> <td>$119.13</td> </tr> <tr> <td>Thrivent</td> <td>$15.70</td> <td>$18.92</td> <td>$26.66</td> <td>$21.93</td> <td>$86.86</td> <td>$121.05</td> </tr> <tr> <td>Pacific Life</td> <td>$14.40</td> <td>$17.16</td> <td>$22.73</td> <td>$28.02</td> <td>$91.12</td> <td>$118.49</td> </tr> <tr> <td>Symetra</td> <td>$14.38</td> <td>$17.05</td> <td>$22.69</td> <td>$27.98</td> <td>$90.54</td> <td>$117.76</td> </tr> <tr> <td>Protective</td> <td>$14.37</td> <td>$17.04</td> <td>$22.68</td> <td>$27.97</td> <td>$90.53</td> <td>$117.45</td> </tr> <tr> <td>MassMutual</td> <td>$17.84</td> <td>$21.32</td> <td>$26.97</td> <td>$33.50</td> <td>$103.53</td> <td>$140.51</td> </tr> </tbody> </table> <figcaption>*Life insurance quotes are examples only and were collected for 30-year $250,000 term life policies for non-smoking males and females in excellent health. They’re an average of prices from two ZIP codes: 90011 and 77084.</figcaption> </figure> <h3 id="mntl-sc-block_4-0-33" class="comp mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Term Life Policy Costs for Older Adults </span> </h3> <p id="mntl-sc-block_4-0-34" class="comp mntl-sc-block mntl-sc-block-html"> As you age, the price of life insurance goes up. Older adults will usually get shorter terms, but still pay higher premiums than younger adults getting a longer term. The information below is for a 15-year term, versus the 30-year term quoted above. </p> <figure id="mntl-sc-block_4-0-35" class="comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table" data-tracking-container="true" data-tracking-id="PRM Roundup | Table Block"> <div class="mntl-sc-block-table__table-wrapper"> <table class="mntl-sc-block-table__table"> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <thead> <tr> <th><b>Company Name</b></th> <th><b>65-Year-Old Female</b></th> <th><b>65-Year-Old Male</b></th> </tr> </thead> <tbody data-check="0"> <tr> <td>Nationwide</td> <td>$110.25</td> <td>$170.41</td> </tr> <tr> <td>Banner</td> <td>$103.18</td> <td>$131.97</td> </tr> <tr> <td>Lafayette</td> <td>n/a</td> <td>n/a</td> </tr> <tr> <td>SBLI</td> <td>$101.16</td> <td>$140.02</td> </tr> <tr> <td>Penn Mutual</td> <td>$86.36</td> <td>$133.53</td> </tr> <tr> <td>Thrivent</td> <td>$85.36</td> <td>$117.61</td> </tr> <tr> <td>Pacific Life</td> <td>$91.15</td> <td>$132.09</td> </tr> <tr> <td>Symetra</td> <td>n/a</td> <td>n/a</td> </tr> <tr> <td>Protective</td> <td>$89.14</td> <td>$131.98</td> </tr> <tr> <td>MassMutual</td> <td>$99.83</td> <td>$157.69</td> </tr> </tbody> </table> <figcaption>*Life insurance quotes are examples only and were collected for 15-year $250,000 term life policies for non-smoking males and females in excellent health. They’re an average of prices from two ZIP codes: 90011 and 77084.</figcaption> </figure> <span class="heading-toc" id="toc-how-to-choose-the-best-life-insurance-company"></span> <h2 id="mntl-sc-block_4-0-36" class="comp mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> How to Choose the Best Life Insurance Company </span> </h2> <p id="mntl-sc-block_4-0-37" class="comp mntl-sc-block mntl-sc-block-html"> You shouldn’t work with just any company for your life insurance coverage. Follow these steps to make sure you do the right amount of research. </p> <ol id="mntl-sc-block_4-0-38" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Determine your coverage needs: </strong>Before meeting with insurers, decide what you’ll need from your policy. Consider the amount of coverage you want, your budget, and whether you want any specialty features, like a child term rider or disability income coverage.</li> <li><strong>Decide on the type of policy: </strong>Insurers often specialize in different policies. As you can see from the awards given in this article, some do better with term, others with whole life, etc.</li> <li><strong>Review top-ranked insurers: </strong>Check the reviews of top insurers. Check their customer satisfaction, financial strength, and information from reviews like ours.</li> <li><strong>Get multiple quotes: </strong>Life insurers provide free premium quotes. You could apply from your top candidates to see who comes through with the best offer.</li> <li><strong>Review with a financial advisor: </strong>A financial advisor, especially a <a href="https://www.investopedia.com/articles/investing/102014/feeonly-financial-advisers-what-you-need-know.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">fee-only financial advisor</a>, can give you an unbiased review of your options.</li> </ol> <p id="mntl-sc-block_4-0-39" class="comp mntl-sc-block mntl-sc-block-html"> For more help, check out <a href="https://www.investopedia.com/how-to-choose-life-insurance-7483886" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">how to choose the best life insurance company</a>. </p> <span class="heading-toc" id="toc-why-you-should-trust-us"></span> <h2 id="mntl-sc-block_4-0-40" class="comp mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Why You Should Trust Us </span> </h2> <p id="mntl-sc-block_4-0-41" class="comp mntl-sc-block mntl-sc-block-html"> Investopedia collected data points related to dozens of criteria that are important when choosing life insurance, across 45 companies. We used this data to review each company for financial stability, customer satisfaction, coverage options, cost, and other features to provide unbiased, comprehensive reviews that can help you make the right decision. </p> <p id="mntl-sc-block_4-0-42" class="comp mntl-sc-block mntl-sc-block-html"> Investopedia launched in 1999 and has been helping readers find the best life insurance companies since 2020. We are dedicated to helping you find the right life insurance provider for your needs. </p> <div id="mntl-sc-block_4-0-43" class="comp mntl-sc-block prm-sc-block-faq--finance prm-sc-block-faq mntl-sc-block-faq mntl-block" data-click-action="OnPageClick - FAQ Header" data-tracking-container="true" data-tracking-id="PRM Roundup | FAQ"> <span class="heading-toc" id="toc-faqs-7f3a7e89-0f4e-4fde-b6c5-44eb4218e957"></span> <h2 id="mntl-sc-block-faq__title_1-0" class="comp mntl-sc-block-faq__title mntl-text-block"> Frequently Asked Questions</h2> <ul id="mntl-sc-block-faq__content_1-0" class="comp mntl-sc-block-faq__content mntl-accordion"> <li class="accordion__item js-accordion-item is-active"> <div tabindex="-1" class="accordion__header js-accordion-trigger" id="mntl-sc-block-faq__content_1-section-0"> <h3 class="accordion__title">What Is Life Insurance and How Does It Work?</h3> </div> <div class="accordion__body"> <div id="mntl-sc-block-faq__accordion-content_1-0-section-0" class="comp class com.about.mantle.model.extended.docv2.sc.blocks.StructuredContentFaqEx$Faq mntl-sc-block-faq__accordion-content"> <div class="faq-accordion__item-answer"> <p>Life insurance provides financial protection for your death. When you sign up, you pick how much coverage you want. If you die while covered, the insurance company pays your heirs the <a href="https://www.investopedia.com/terms/d/deathbenefit.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">death benefit</a>. You must pay ongoing premiums to keep your life insurance policy active.</p> </div> </div> </div> </li> <li class="accordion__item js-accordion-item is-active"> <div tabindex="-1" class="accordion__header js-accordion-trigger" id="mntl-sc-block-faq__content_1-section-1"> <h3 class="accordion__title">Do I Need Life Insurance?</h3> </div> <div class="accordion__body"> <div id="mntl-sc-block-faq__accordion-content_1-0-section-1" class="comp class com.about.mantle.model.extended.docv2.sc.blocks.StructuredContentFaqEx$Faq mntl-sc-block-faq__accordion-content"> <div class="faq-accordion__item-answer"> <p>You may <a href="https://www.investopedia.com/articles/personal-finance/091014/who-needs-life-insurance-who-doesnt.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">need life insurance</a> if you have people depending on you, like a spouse or young children. It could replace your salary if you pass away unexpectedly. You may also need life insurance if you have large debts you’d like to cover for your family, like a mortgage, student loans, or final expenses. Finally, if you own a business, you could buy life insurance to protect your partners and cover the lives of key employees.</p><p>If you don’t have these needs now, consider whether they could come up in the future. You could set up life insurance to prepare now.</p> </div> </div> </div> </li> <li class="accordion__item js-accordion-item is-active"> <div tabindex="-1" class="accordion__header js-accordion-trigger" id="mntl-sc-block-faq__content_1-section-2"> <h3 class="accordion__title">What Are the Pros and Cons of Life Insurance?</h3> </div> <div class="accordion__body"> <div id="mntl-sc-block-faq__accordion-content_1-0-section-2" class="comp class com.about.mantle.model.extended.docv2.sc.blocks.StructuredContentFaqEx$Faq mntl-sc-block-faq__accordion-content"> <div class="faq-accordion__item-answer"> <p>The main pro of life insurance is that it can protect your heirs against the cost of your death. You can buy a large amount of coverage for a small premium using term life. Life insurance can also build wealth for the future using cash value.</p><p>The main con of life insurance is that it costs money. You must pay the premiums to stay protected. It’s possible to pay years of premiums and not receive a death benefit payout because your coverage ends before you pass away. </p><p>Some permanent policies may also not be the best use of your funds. You may be better off getting an affordable term policy and investing the rest of your money rather than paying for a more expensive permanent policy.</p> </div> </div> </div> </li> <li class="accordion__item js-accordion-item is-active"> <div tabindex="-1" class="accordion__header js-accordion-trigger" id="mntl-sc-block-faq__content_1-section-3"> <h3 class="accordion__title">How Can You Get Cheap Life Insurance?</h3> </div> <div class="accordion__body"> <div id="mntl-sc-block-faq__accordion-content_1-0-section-3" class="comp class com.about.mantle.model.extended.docv2.sc.blocks.StructuredContentFaqEx$Faq mntl-sc-block-faq__accordion-content"> <div class="faq-accordion__item-answer"> <p>You can get cheap life insurance by buying term life insurance, which is much more affordable than permanent coverage. You can focus on companies such as SBLI or Banner Life, which specialize in inexpensive policies. Get multiple quotes to see who offers you the best deal.</p> </div> </div> </div> </li> <li class="accordion__item js-accordion-item is-active"> <div tabindex="-1" class="accordion__header js-accordion-trigger" id="mntl-sc-block-faq__content_1-section-4"> <h3 class="accordion__title">What Is Burial Insurance?</h3> </div> <div class="accordion__body"> <div id="mntl-sc-block-faq__accordion-content_1-0-section-4" class="comp class com.about.mantle.model.extended.docv2.sc.blocks.StructuredContentFaqEx$Faq mntl-sc-block-faq__accordion-content"> <div class="faq-accordion__item-answer"> <p><a href="https://www.investopedia.com/terms/b/burial-insurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Burial insurance</a> is a type of life insurance specifically designed to pay for funerals and other final expenses. These are whole life policies without an expiration date. Burial insurance is usually for small amounts of coverage, just enough to cover the cost of a funeral.<span class="ql-inline-citation" data-cite="3"></span> These policies typically have easier underwriting without checking for health issues. However, they can be more expensive than regular life insurance for some buyers and can have limits on paying out if you pass away within the first few years of buying coverage. </p> </div> </div> </div> </li> <li class="accordion__item js-accordion-item is-active"> <div tabindex="-1" class="accordion__header js-accordion-trigger" id="mntl-sc-block-faq__content_1-section-5"> <h3 class="accordion__title">Companies We Reviewed</h3> </div> <div class="accordion__body"> <div id="mntl-sc-block-faq__accordion-content_1-0-section-5" class="comp class com.about.mantle.model.extended.docv2.sc.blocks.StructuredContentFaqEx$Faq mntl-sc-block-faq__accordion-content"> <div class="faq-accordion__item-answer"> <p><a href="https://www.investopedia.com/nationwide-life-insurance-review-5112884" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Nationwide</a>, <a href="https://www.investopedia.com/ameritas-life-insurance-review-5115823" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">Ameritas</a>, <a href="https://www.investopedia.com/assurity-life-insurance-review-5181772" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="3">Assurity</a>, <a href="https://www.investopedia.com/protective-life-insurance-review-5078171" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="4">Protective</a>, <a href="https://www.investopedia.com/sbli-life-insurance-review-5185629" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="5">SBLI</a>, <a href="https://www.investopedia.com/midland-national-life-insurance-review-5115400" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="6">Midland National</a>, <a href="https://www.investopedia.com/banner-life-insurance-review-5079634" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="7">Banner</a>, <a href="https://www.investopedia.com/thrivent-life-insurance-review-5197062" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="8">Thrivent</a>, <a href="https://www.investopedia.com/lafayette-life-insurance-review-5186957" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="9">Lafayette</a>, <a href="https://www.investopedia.com/penn-mutual-life-insurance-review-5181706" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="10">Penn Mutual</a>, <a href="https://www.investopedia.com/usaa-life-insurance-review-5080414" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="11">USAA</a>, <a href="https://www.investopedia.com/massmutual-life-insurance-review-5076622" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="12">MassMutual</a>, <a href="https://www.investopedia.com/mutual-of-omaha-life-insurance-review-5077426" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="13">Mutual of Omaha</a>, <a href="https://www.investopedia.com/columbus-life-insurance-review-5524724" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="14">Columbus</a>, <a href="https://www.investopedia.com/pacific-life-insurance-review-5184560" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="15">Pacific Life</a>, <a href="https://www.investopedia.com/guardian-life-insurance-review-5078357" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="16">Guardian Life</a>, <a href="https://www.investopedia.com/prudential-life-insurance-review-5077996" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="17">Prudential</a>, <a href="https://www.investopedia.com/equitable-life-insurance-review-5185541" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="18">Equitable</a>, <a href="https://www.investopedia.com/lincoln-financial-life-insurance-review-5324587" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="19">Lincoln Financial</a>, <a href="https://www.investopedia.com/state-farm-life-insurance-review-5072604" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="20">State Farm</a>, <a href="https://www.investopedia.com/aaa-life-insurance-review-5075643" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="21">AAA</a>, <a href="https://www.investopedia.com/transamerica-life-insurance-review-5075447" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="22">Transamerica</a>, <a href="https://www.investopedia.com/john-hancock-life-insurance-review-5075864" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="23">John Hancock</a>, <a href="https://www.investopedia.com/north-american-life-insurance-review-5111320" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="24">North American</a>, <a href="https://www.investopedia.com/western-southern-life-insurance-review-5188202" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="25">Western & Southern</a>, <a href="https://www.investopedia.com/brighthouse-life-insurance-review-5075446" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="26">Brighthouse</a>, <a href="https://www.investopedia.com/securian-life-insurance-review-5185628" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="27">Securian</a>, <a href="https://www.investopedia.com/farmers-life-insurance-review-5181062" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="28">Farmers</a>, <a href="https://www.investopedia.com/northwestern-mutual-life-insurance-review-5077994" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="29">Northwestern Mutual</a>, <a href="https://www.investopedia.com/symetra-life-insurance-review-5188608" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="30">Symetra</a>, <a href="https://www.investopedia.com/foresters-life-insurance-review-5179868" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="31">Foresters</a>, <a href="https://www.investopedia.com/gerber-life-insurance-review-5077502" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="32">Gerber</a>, <a href="https://www.investopedia.com/minnesota-life-insurance-review-5181765" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="33">Minnesota Life</a>, <a href="https://www.investopedia.com/fidelity-life-insurance-review-5079550" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="34">Fidelity</a>, <a href="https://www.investopedia.com/pan-american-life-insurance-review-5187139" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="35">Mutual Trust Life Solutions</a>, <a href="https://www.investopedia.com/corebridge-financial-life-insurance-review-5079549" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="36">Corebridge Financial (formerly AIG)</a>, <a href="https://www.investopedia.com/new-york-life-insurance-review-5074534" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="37">New York Life</a>, <a href="https://www.investopedia.com/kansas-city-life-insurance-company-review-5185631" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="38">Kansas City Life</a>, <a href="https://www.investopedia.com/globe-life-insurance-review-5076979" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="39">Globe Life</a>, <a href="https://www.investopedia.com/aflac-life-insurance-review-5179517" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="40">Aflac</a>, <a href="https://www.investopedia.com/boston-mutual-life-insurance-review-5186402" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="41">Boston Mutual</a>, <a href="https://www.investopedia.com/bankers-life-insurance-review-5114317" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="42">Bankers</a>, <a href="https://www.investopedia.com/american-national-life-insurance-review-5183789" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="43">American National</a>, <a href="https://www.investopedia.com/colonial-penn-life-insurance-review-5075429" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="44">Colonial Penn</a>, <a href="https://www.investopedia.com/allianz-life-insurance-company-review-5184999" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="45">Allianz</a></p> </div> </div> </div> </li> </ul>  </div> <span class="heading-toc" id="toc-how-we-review-the-best-life-insurance-companies"></span> <h2 id="mntl-sc-block_4-0-44" class="comp mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> How We Review the Best Life Insurance Companies </span> </h2> <p id="mntl-sc-block_4-0-45" class="comp mntl-sc-block mntl-sc-block-html"> To compile our list of the best life insurance companies, Investopedia first conducted preliminary research on dozens of life insurance companies and determined that 45 met our minimum standard for financial strength, customer satisfaction, and online transparency. For each of those, we then gathered a total of 70 evaluation criteria, resulting in 3,150 data points all together. Data was collected between May 20 and July 3, 2024, and sourced from company webpages, media representatives, rating agencies (A.M Best, NAIC, and J.D. Power), and customer service calls. </p> <p id="mntl-sc-block_4-0-46" class="comp mntl-sc-block mntl-sc-block-html"> We combined subject matter expertise, consumer survey and company survey data, and industry research to create a quantitative model that scores each company based on six major categories: </p> <ul id="mntl-sc-block_4-0-47" class="comp mntl-sc-block mntl-sc-block-html"> <li>Application and Online Service Features: 15%</li><li>Policy Types: 22%</li><li>Policy Features and Riders: 35%</li><li>Financial Stability: 6%</li><li>Customer Satisfaction: 10%</li><li>Cost: 12%</li> </ul> <p id="mntl-sc-block_4-0-48" class="comp mntl-sc-block mntl-sc-block-html"> For more information, read our full <a href="https://www.investopedia.com/life-insurance-review-methodology-5071427" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">methodology explanation</a>. </p> <span class="heading-toc" id="toc-guide-to-life-insurance"></span> <h2 id="mntl-sc-block_4-0-49" class="comp mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Guide to Life Insurance </span> </h2> <ul id="mntl-sc-block_4-0-50" class="comp mntl-sc-block mntl-sc-block-html"> <li><a href="https://www.investopedia.com/terms/l/lifeinsurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">What Is Life Insurance?</a></li> <li><a href="https://www.investopedia.com/articles/personal-finance/121914/life-insurance-policies-how-payouts-work.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">How Does Life Insurance Work?</a></li> <li><a href="https://www.investopedia.com/articles/active-trading/120814/life-insurance-smart-investment.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="3">Is Life Insurance Worth It?</a></li> <li><a href="https://www.investopedia.com/types-of-life-insurance-plans-and-how-to-decide-which-one-is-right-for-you-7482251" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="4">Types of Life Insurance</a></li> <li><a href="https://www.investopedia.com/term-life-vs-whole-life-5075430" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="5">Term vs. Whole Life Insurance</a></li> <li><a href="https://www.investopedia.com/articles/pf/06/insureneeds.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="6">How Much Life Insurance Do You Need?</a></li> <li><a href="https://www.investopedia.com/how-to-choose-life-insurance-7483886" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="7">How to Choose Life Insurance</a></li> <li><a href="https://www.investopedia.com/how-to-get-life-insurance-4842095" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="8">How to Buy Life Insurance</a></li> <li><a href="https://www.investopedia.com/best-life-insurance-for-seniors-4845439" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="9">Best Life Insurance for Seniors</a></li> <li><a href="https://www.investopedia.com/best-life-insurance-for-people-over-50-4846582" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="10">Best Life Insurance Companies for People Over 50</a> </li> <li><a href="https://www.investopedia.com/best-whole-life-insurance-4845955" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="11">Best Whole Life Insurance Companies</a></li> <li><a href="https://www.investopedia.com/best-universal-life-insurance-4845846" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="12">Best Universal Life Insurance Companies</a> </li> <li><a href="https://www.investopedia.com/best-life-insurance-for-children-5088586" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="13">Best Children’s Life Insurance Companies</a><br></li> </ul> </div> </div> <figure id="primary-image--roundup_1-0" class="comp figure-landscape primary-image--roundup primary-image mntl-universal-primary-image primary-image"> <div class="primary-image__media"> <div class="img-placeholder" style="padding-bottom:66.6%;"> <img src="https://www.investopedia.com/thmb/SMTYVQV1bmUwvUXBi-IXxEknXLs=/1500x0/filters:no_upscale():max_bytes(150000):strip_icc()/11BestTermWholeandNo-ExamLifeInsuranceCompanies-final-1659b4ecc9c3410494a71833647d98d4.png" width="4000" height="2667" srcset="https://www.investopedia.com/thmb/rm3FKECXw2D-LcmVjQPEgpdtYe4=/750x0/filters:no_upscale():max_bytes(150000):strip_icc()/11BestTermWholeandNo-ExamLifeInsuranceCompanies-final-1659b4ecc9c3410494a71833647d98d4.png 750w" sizes="750px" alt="Best Life Insurance of 2024" class=" primary-image__image mntl-primary-image--blurry" onload="(function(e){e.classList.add('loaded')})(this)" style="--blurry: url('data:image/gif;charset=utf-8;base64,R0lGODlhCgAHAPIAAAAAAA+kvHKEiVWpylq018jp8f///wAAACwAAAAACgAHAEIIMAALGDBQoGCBAAYFCARQMACAAAMJHiQg0WBBAhgJQBzYEKHFAgwDiPTI0IDHASIDAgA7')" /> <noscript> <img src="https://www.investopedia.com/thmb/SMTYVQV1bmUwvUXBi-IXxEknXLs=/1500x0/filters:no_upscale():max_bytes(150000):strip_icc()/11BestTermWholeandNo-ExamLifeInsuranceCompanies-final-1659b4ecc9c3410494a71833647d98d4.png" width="4000" height="2667" class="loaded primary-img--noscript primary-image__image mntl-primary-image--blurry" srcset="https://www.investopedia.com/thmb/rm3FKECXw2D-LcmVjQPEgpdtYe4=/750x0/filters:no_upscale():max_bytes(150000):strip_icc()/11BestTermWholeandNo-ExamLifeInsuranceCompanies-final-1659b4ecc9c3410494a71833647d98d4.png 750w" sizes="750px" alt="Best Life Insurance of 2024" /> </noscript> </div> </div> <figcaption id="primary-image__figcap_1-0" class="comp primary-image__figcap mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p>Investopedia / Mira Norian</p></span> </figcaption> </figure> </div> </div> </div> </div> </span> </div><div class="loc content-bottom"><div id="prm-article-sources_1-0" class="comp prm-article-sources article-sources mntl-article-sources mntl-expandable-block" data-scroll-offset="100"><div class="loc toggle-content"><div id="mntl-article-sources__wrapper_1-0" class="comp mntl-article-sources__wrapper mntl-block article-sources__wrapper" data-click-tracked="true"><div id="mntl-article-sources__heading_1-0" class="comp mntl-article-sources__heading mntl-text-block article-sources__heading">Article Sources</div> <div id="mntl-article-sources__icon-wrapper_1-0" class="comp mntl-article-sources__icon-wrapper mntl-block article-sources__icon-wrapper"><div id="article-sources__show-icon_1-0" class="comp article-sources__show-icon mntl-block"></div> <div id="article-sources__hide-icon_1-0" class="comp article-sources__hide-icon mntl-block"></div></div></div> </div><div class="loc expandable-content"> <div id="article-sources__disclaimer_1-0" class="comp article-sources__disclaimer mntl-block">Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our <a href="https://www.investopedia.com/legal-4768893#EditorialPolicy" rel="nocaes" id="article-sources__disclaimer-text-link_1-0" class="article-sources__disclaimer-text-link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">editorial policy.</span></a></div> <div id="mntl-article-sources__citation-sources-1_1-0" class="comp mntl-article-sources__citation-sources-1 mntl-citation-sources mntl-sources" data-tracking-container="true"> <ol class="mntl-sources__content"> <li class="mntl-sources__source" id="citation-1"><p>J.D. Power. "<a href="https://www.jdpower.com/business/press-releases/2024-us-individual-life-insurance-study" class="pseudoStyle" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Life Insurers Miss the Mark on Clarity of Information and Personalization—Particularly Among Younger Customers, J.D. Power Finds</a>."</p></li> <li class="mntl-sources__source" id="citation-4"><p>Penn Mutual. "<a href="https://www.pennmutual.com/about-us/news/press-releases/2023/11/penn-mutual-announces-record--200-million-dividend" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow sponsored">Penn Mutual Announces Record $200 Million Dividend Award to Policyholders</a>."</p></li> <li class="mntl-sources__source" id="citation-3"><p>Nevada Division of Insurance. "<a href="https://doi.nv.gov/Consumers/Funeral-Insurance/" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Funeral Insurance</a>."</p></li> </ol> </div> </div></div> <div id="prm-recirc_1-0" class="comp prm-recirc related-recirc-section--articles mntl-block" data-tracking-container="true"><section id="related-articles_1-0" class="comp related-articles" data-tracking-container="true"> <span class="related-articles__header type--camel"> Related Articles </span> <div class="loc recirc-content"><div id="related-articles__card-list-1_1-0" class="comp related-articles__card-list-1 card-list--related-articles mntl-document-card-list mntl-card-list mntl-block" data-chunk="36"><a id="mntl-card-list-items_1-0" class="comp mntl-card-list-items mntl-document-card mntl-card related-articles__link card" data-doc-id="5092439" data-tax-levels href="https://www.investopedia.com/most-affordable-life-insurance-5092439" data-ordinal="1" data-cta="Read Now ▸"> <div class="card__media" data-tag="Best Companies"> <img data-src="https://www.investopedia.com/thmb/yg4kc76sO24RhKfSc5IwmkelAyw=/400x300/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1339068358-4b4808d59f9e40cbbd8b7a9ad16c7c90.jpg" alt="Affordable Life Insurance Companies" class="lazyload card__img " width="400" height="300" data-dim-ratio="1.5" /> <noscript> <img src="https://www.investopedia.com/thmb/yg4kc76sO24RhKfSc5IwmkelAyw=/400x300/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1339068358-4b4808d59f9e40cbbd8b7a9ad16c7c90.jpg" alt="Affordable Life Insurance Companies" width="400" height="300" class="img--noscript card__img " /> </noscript> </div> <div class="card__content " data-tag="Best Companies"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Most Affordable Life Insurance Companies for November 2024</span></span> <div class="card__byline mntl-card__byline " data-byline="By Jessica Walrack"></div> </div> </a> <a id="mntl-card-list-items_2-0" class="comp mntl-card-list-items mntl-document-card mntl-card related-articles__link card" data-doc-id="4845955" data-tax-levels href="https://www.investopedia.com/best-whole-life-insurance-4845955" data-ordinal="2" data-cta="Read Now ▸"> <div class="card__media" data-tag="Best Companies"> <img data-src="https://www.investopedia.com/thmb/2dUss7zNik95LKO1MHjXXo_VluA=/400x300/filters:no_upscale():max_bytes(150000):strip_icc()/BestWholeLifeInsuranceCompanies-final-492bf534ded442de830628287dd50409.png" alt="Best Whole Life Insurance Companies" class="lazyload card__img " width="400" height="300" data-dim-ratio="1.5" /> <noscript> <img src="https://www.investopedia.com/thmb/2dUss7zNik95LKO1MHjXXo_VluA=/400x300/filters:no_upscale():max_bytes(150000):strip_icc()/BestWholeLifeInsuranceCompanies-final-492bf534ded442de830628287dd50409.png" alt="Best Whole Life Insurance Companies" width="400" height="300" class="img--noscript card__img " /> </noscript> </div> <div class="card__content " data-tag="Best Companies"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Best Whole Life Insurance Companies of 2024</span></span> <div class="card__byline mntl-card__byline " data-byline="By Toni Hoy"></div> </div> </a> <a id="mntl-card-list-items_3-0" class="comp mntl-card-list-items mntl-document-card mntl-card related-articles__link card" data-doc-id="4845439" data-tax-levels href="https://www.investopedia.com/best-life-insurance-for-seniors-4845439" data-ordinal="3" data-cta="Read Now ▸"> <div class="card__media" data-tag="Best Companies"> <img data-src="https://www.investopedia.com/thmb/fdPNkwjH3xKwdZ48sUDOvzzYan8=/400x300/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1355067000-450b8bbb08d64624ae22d33cf4529161.jpg" alt="Two people sit and talk. 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