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See how Lincoln Financial, Prudential, Pacific Life, AIG and others stack up against one another."/>   <meta property="og:site_name" content="Forbes Advisor"/> <meta property="og:title" content="Best Life Insurance Companies Of August 2022"/> <meta property="og:url" content="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/"/> <meta property="og:type" content="article"/> <meta property="og:description" content="The pandemic has brought financial security into sharp focus the past two years. Life insurance is one way to bolster your financial plan and protect your family’s financial future. The best life insurance for you will depend on your financial goals, budget and how much cash value you want to bui"/> <meta property="og:image" content="https://web.archive.org/web/20220820020415im_/https://www.forbes.com/advisor/wp-content/uploads/2020/12/family-feet-e1607675946827.jpg"/> <meta property="og:image:url" content="https://www.forbes.com/advisor/wp-content/uploads/2020/12/family-feet-e1607675946827.jpg"/> <meta property="og:image:secure_url" content="https://www.forbes.com/advisor/wp-content/uploads/2020/12/family-feet-e1607675946827.jpg"/> <meta property="article:published_time" content="2022-08-14T07:55:11-04:00"/> <meta property="article:modified_time" content="2022-08-19T08:09:35-04:00"/> <meta property="og:updated_time" content="2022-08-19T08:09:35-04:00"/> <meta property="article:section" content="Life Insurance"/> <meta property="fb:app_id" content="123694841080850"/>  <meta itemprop="name" content="Best Life Insurance Companies Of August 2022"/> <meta itemprop="headline" content="Best Life Insurance Companies Of August 2022"/> <meta itemprop="description" content="The pandemic has brought financial security into sharp focus the past two years. 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.header__nav{position:absolute;display:none;left:0;top:48px;height:90vh;z-index:9999;background-color:#181716}#custom-header-wrapper .header__nav.active{display:block}#custom-header-wrapper .header__nav .menu{flex-direction:column;align-items:flex-start;justify-content:space-between;height:auto}#custom-header-wrapper .header__nav .menu>li.menu-item{width:100%;padding:9px 25px;overflow:hidden;min-height:40px}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:9px 25px}#custom-header-wrapper .header__nav .menu>li.menu-item>a{font-size:18px;height:100%;line-height:1.15}#custom-header-wrapper .header__nav .menu>li.menu-item.active a{color:inherit}#custom-header-wrapper .header__nav .menu>li.menu-item.active{border-left:4px solid}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{display:none;position:absolute;top:10px;left:31%;width:2px;height:calc(100% - 35px);color:#cdc1b2;border:none;box-shadow:inset -1px 0 0 0 #333;transition:none;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:block;z-index:2}#custom-header-wrapper .header__nav .sub-menu-wrap{position:absolute;top:10px;right:0;left:auto;width:69%;height:85vh;padding:0 0 0 25px;font-size:13px;color:#fcfcfc;background-color:#181716;z-index:1;box-shadow:none}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap{visibility:hidden}#custom-header-wrapper .header__nav .sub-menu-wrap:before{display:none}#custom-header-wrapper .header__nav .sub-menu{flex-direction:column;height:100%;width:100%}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{width:auto;height:40px;display:inline-block;flex-shrink:0;padding:0;margin-right:0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{display:block;padding-top:1px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{padding:3px 24px 0 0}#custom-header-wrapper .header__indicator{display:none}#custom-header-wrapper .header__nav .menu .legal-links{display:block;font-size:13px;padding:10px 25px}#custom-header-wrapper .header__nav .menu .legal-link{font-family:Work Sans,sans-serif;font-size:10px;line-height:12px;color:#fcfcfc;padding-bottom:10px}#custom-header-wrapper .header__nav .menu .legal-link a{color:#fcfcfc;font-family:Work Sans,sans-serif}@media only screen and (max-width:768px){#custom-header-wrapper .header__nav{height:100vh;height:calc(var(--vh, 1vh)*100)}#custom-header-wrapper .header__nav .sub-menu-wrap{top:11px;height:100vh;height:calc(var(--vh, 1vh)*100);padding:0 32px;width:50%}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{left:50%;top:11px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{font-weight:600;height:auto;padding:10px 0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:0}}@media only screen and (max-width:767px){#custom-header-wrapper .menu-toggle{margin-left:20px}#custom-header-wrapper .header__logo svg{width:auto}}@media only screen and (max-width:480px){#custom-header-wrapper .header__container{height:50px}#custom-header-wrapper .header__logo{margin-top:-5px}#custom-header-wrapper .header__indicator{display:block;height:1px;opacity:.15;z-index:9999}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-3px}#custom-header-wrapper .header__nav.active{position:fixed}#custom-header-wrapper .header__nav .menu{height:100vh;height:calc(var(--vh, 1vh)*100);overflow-y:scroll;display:block}#custom-header-wrapper .header__nav .menu>li.menu-item{height:auto;flex-direction:column;align-items:flex-start;padding:0;border-left:none!important;min-height:38px}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:0}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:none}#custom-header-wrapper .header__nav .sub-menu-wrap{width:calc(100% + 50px);height:auto;position:relative;display:none;right:unset;left:0;top:0;padding:25px;margin-top:20px;border-left:4px solid;background-color:#212424}#custom-header-wrapper .header__nav .sub-menu .menu-item{display:block;padding:10px 0;height:auto}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:1px}#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{margin-bottom:10px}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{display:block}#custom-header-wrapper .header__nav .menu>li.menu-item>a{font-size:16px;display:block;padding:10px 25px 0;width:100%}#custom-header-wrapper .header__nav .menu .legal-links{margin-bottom:150px}}@media only screen and (max-width:374px){#custom-header-wrapper #subnavBar .sub-menu-wrap{padding-left:4px;padding-right:4px}#custom-header-wrapper .sub-menu-item{padding-right:8px}}#custom-header-wrapper .header__nav{width:100%;background:#222424;height:100vh;height:calc(var(--vh, 1vh)*100)}@media (min-width:1065px){#custom-header-wrapper .header__nav{width:251px;left:-251px;transition:all .5s}}@media (min-width:1065px){#custom-header-wrapper .header__nav.active{left:0}}#custom-header-wrapper .header__nav .bottom-menu{font-family:EuclidCircularB,serif,arial;font-weight:700;bottom:50px;font-size:12px;background:#222424;position:absolute;width:100%;padding:0 30px}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu{bottom:40px}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{margin:22px 0 32px;color:#7d7d7d;display:flex;width:100%;align-items:center;cursor:pointer}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{margin:40px 0}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu:hover{text-decoration:underline}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu a{margin-left:20px}#custom-header-wrapper .header__nav .wp-menu{max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px);overflow:scroll;-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{border-left:3px solid #222424}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:first-child{border-top:2px solid #222424}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover{background-color:#181716}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .main-menu-wrap{border-left:3px solid #bfc8fb;color:#bfc8fb}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{padding:30px 40px;display:block}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{padding:18px 46px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{font-family:EuclidCircularB,serif,arial;font-weight:400;font-size:16px;line-height:24px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{padding:12px 16px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap::-webkit-scrollbar,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{height:100vh;height:calc(var(--vh, 1vh)*100);overflow:auto;padding:0;position:absolute;transition:all .5s;display:block;left:100%;border:none;visibility:visible;margin:0;background-color:#222424;max-height:calc(100vh - 148px);max-height:calc(var(--vh, 1vh)*100 - 148px)}@media (min-width:500px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px)}}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{width:320px;right:-320px;top:0;border-left:1px solid #7f7f7f;visibility:hidden;transition:none;max-height:calc(100vh - 48px);max-height:calc(var(--vh, 1vh)*100 - 48px)}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap.mobile-active{left:0;right:0;width:100%;display:block;border-left:none;top:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:block;font-family:EuclidCircularB,serif,arial;font-size:16px;font-weight:700;padding:35px 31px 10px;color:#626262;display:flex;align-items:center}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-arrow{margin-right:20px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{display:block;max-width:none;max-height:calc(100% - 70px);overflow:auto}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{padding:26px 45px 26px 32px;font-family:EuclidCircularB,serif,arial;font-size:16px;font-weight:700;background:#222424;color:#bfc8fb;display:flex;align-items:center;cursor:pointer;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{padding:30px 45px 30px 30px}}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link.is-touch{display:block}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{padding:26px 45px 26px 32px;font-family:EuclidCircularB,serif,arial;font-size:16px;font-weight:700;background:#222424;color:#bfc8fb;display:flex;align-items:center;cursor:pointer;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{padding:30px 45px 30px 30px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title a{display:block}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{border:solid #bfc8fb;border-width:0 3px 3px 0;display:inline-block;padding:3px;transform:rotate(45deg);-webkit-transform:rotate(45deg);margin-left:auto;content:"";position:absolute;right:35px;top:30px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{top:35px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{transform:rotate(-135deg);-webkit-transform:rotate(-135deg);top:37px}@media (min-width:1065px){#custom-header-wrapper 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p-24px mx-20px rounded-5px mob-region-sel-holder"> <div class="text-333333 font-euclidcircularb font-bold pb-12px border-b-1 border-light text-20px"> Select Region </div> <div> <ul> <li class="mt-24px flex items-center curr-region-sel cursor-pointer active" data-curr-region="usa"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/usa-icon.svg" alt="US" class="w-24px h-16px mr-15px lozad"> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United States</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="uk"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/uk-icon.svg" alt="UK" class="w-24px h-16px mr-15px lozad"> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United Kingdom</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="de"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/de-icon.svg" alt="DE" class="w-24px h-16px mr-15px lozad"> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Germany</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="in"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/in-icon.svg" alt="IN" class="w-24px h-16px mr-15px lozad"> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">India</span> </div> </li> </ul> </div> </div> </div> </div> <header class="header-us sticky"> <div class="pos-r relative"> <div class="header__container"> <div class="menu-toggle" id="site-menu-toggle"> <div class="menu-toggle-wrap"> <svg class="open" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 20 20"><path d="M2 5.5h16v2H2zM2 9.5h16v2H2zM2 13.5h16v2H2z"></path></svg> <svg class="close" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 20 20"><path transform="rotate(45.001 10 10)" d="M2 9h16v2H2z"></path><path transform="rotate(134.999 10 10)" d="M2 9h16v2H2z"></path></svg> </div> </div> <a class="header__logo mx-auto" 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href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/"> Life Insurance </a> </li> <li class="breadcrumbs-item"> <span class="breadcrumbs-item"> Best Life Insurance Companies </span> </li> </ul><style> .mobile-ui .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .mobile-ui .author__article-date.mobile { display: block; margin-top: 0; } .mobile-ui .mobile-editorialview .article__page--disclosure { margin-top: 0; } @media all and (min-width:599px) { .author__article-date.mobile { display: none; } .mobile-editorialview { float: right; } } @media all and (max-width: 598px) { .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .author__article-date.mobile { display: block; margin-top: 0; } .mobile-editorialview .article__page--disclosure { margin-top: 0; } } @media all and (max-width: 340px) { .mobile-editorialview{ display:block!important; } } </style> <div class="mobile-editorialview"> <span id="advertiser-disclosure" class="article__page--disclosure">Advertiser Disclosure</span> <span class="author__article-date mobile"> Updated: Aug 19, 2022, 8:09am </span> </div> </div> <h1 class="farticle-title">Best Life Insurance Companies Of August 2022</h1> <div class="row show-right-rail"> <div class="col-md-9 article-wrapper inarticle-link-tracking"> <style>.author-block-v2 .author-name-wrap:before{content:"By ";font-weight:700}@media (min-width:1024px){.author-block-v2 .author-name-wrap:before{font-weight:400}}.multiple-authors-with-badge{font-family:EuclidCircularB-Regular,sans-serif,arial;display:flex;margin-bottom:6px;justify-content:space-between;position:relative}@media (min-width:1024px){.multiple-authors-with-badge{margin-bottom:20px;position:relative}}.multiple-authors-with-badge .author-with-badge{margin-bottom:unset;width:50%}@media (min-width:1024px){.multiple-authors-with-badge 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.badge-wrapper-mobile{display:none}}.multiple-authors-with-badge .author-with-badge .badge-text{border:1px solid #4657a1;border-left:0;border-radius:4px;box-shadow:0 2px 1.5px rgba(0,0,0,.1);box-sizing:border-box;color:#4657a1;font-family:EuclidCircularB-Regular,sans-serif,arial;font-size:9px;font-weight:700;letter-spacing:.5px;line-height:16px;margin:5px 8px 0 -12px;padding:0 9px 0 13px;height:14px;display:flex;align-items:center}</style> <div class="multiple-authors-with-badge"> <div class="author-block-v2 width-half">  <div class="author-block-v2__img-wrap "> <div class="inner-img-wrap primary"> <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/author/adanise/" title="Amy Danise" class="" target="_blank"> <img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Amy-Danise-bio-88x88.jpg" alt="Amy Danise" width="50px" height="50px"> </a> </div> </div>   <div class="author-block-v2__content-wrap"> <div class="author-name-wrap"> <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/author/adanise/" target="_blank" class="author-name primary"> Amy Danise </a> </div> <div class="author-designation-wrap"> <span class="author-role primary"> Editor </span> </div> </div>  </div> <div class="author-with-badge">  <div class="author-block-v2__img-wrap"> <div class="inner-img-wrap"> <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/author/jmetz/" title="Jason Metz" class="" target="_blank"> <img class="lozad" data-img-src=" https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/01/Jason-Metz-headshot-88x88.jpg" alt="Jason Metz" width="50px" height="50px"> </a> </div> </div>   <div class="author-block-v2__content-wrap"> <div class="author-name-wrap"> <div class="badge-wrapper"> <svg width="24" height="24" viewbox="0 0 46 46" fill="none" xmlns="http://www.w3.org/2000/svg" class="badge-icon-svg"><path d="M23 43C34.0457 43 43 34.0457 43 23C43 11.9543 34.0457 3 23 3C11.9543 3 3 11.9543 3 23C3 34.0457 11.9543 43 23 43Z" fill="#4657A1" stroke="white" stroke-width="5.04155" stroke-linecap="square"></path> <path d="M20 20.0001H31.1857C32.532 20.0001 33.4513 21.3617 32.948 22.6104L30.4492 28.8104C30.1595 29.5293 29.4621 30.0001 28.6869 30.0001H20V20.0001Z" fill="white"></path> <path d="M23.0803 14.2401C23.201 13.7057 23.7322 13.3704 24.2666 13.4912C26.1371 13.9139 27.3108 15.7729 26.8881 17.6434L25.5593 23.5229L20.0004 19.9999C21.2219 19.5178 22.1259 18.463 22.4154 17.1822L23.0803 14.2401Z" fill="white"></path> <rect x="13" y="20.0001" width="6" height="10" rx="1.13333" fill="white"></rect></svg> <p class="badge-text">Reviewed By</p> </div> <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/author/jmetz/" title="Jason Metz" target="_blank" class="author-name ">Jason Metz</a> </div> <div class="author-designation-wrap "> <span class="author-role">editor</span> <div class="badge-wrapper-mobile"> <svg width="24" height="24" viewbox="0 0 46 46" fill="none" xmlns="http://www.w3.org/2000/svg" class="badge-icon-svg"><path d="M23 43C34.0457 43 43 34.0457 43 23C43 11.9543 34.0457 3 23 3C11.9543 3 3 11.9543 3 23C3 34.0457 11.9543 43 23 43Z" fill="#4657A1" stroke="white" stroke-width="5.04155" stroke-linecap="square"></path> <path d="M20 20.0001H31.1857C32.532 20.0001 33.4513 21.3617 32.948 22.6104L30.4492 28.8104C30.1595 29.5293 29.4621 30.0001 28.6869 30.0001H20V20.0001Z" fill="white"></path> <path d="M23.0803 14.2401C23.201 13.7057 23.7322 13.3704 24.2666 13.4912C26.1371 13.9139 27.3108 15.7729 26.8881 17.6434L25.5593 23.5229L20.0004 19.9999C21.2219 19.5178 22.1259 18.463 22.4154 17.1822L23.0803 14.2401Z" fill="white"></path> <rect x="13" y="20.0001" width="6" height="10" rx="1.13333" fill="white"></rect></svg> <p class="badge-text">Reviewed By</p> </div> </div> <p class="author-block-v2__artice-date">Updated: Aug 19, 2022, 8:09am</p> </div>  </div> </div> <style> .no-editorial-note { margin : 12px 0;} .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="intro-content applyfade "> <div class="intro-content-inner wysiwyg-content"> <p><span style="font-weight: 400;">The pandemic has brought financial security into sharp focus the past two years. Life insurance is one way to bolster your financial plan and protect your family’s financial future.</span></p> <p>The best life insurance for you will depend on your financial goals, budget and how much cash value you want to build within a policy. We used data provided by Veralytic, an independent provider of life insurance research and analysis, to find the best life insurance companies.</p> </div> <div class="mob-fade"> <span>Read more</span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow down"></div> </div> </div> </div> <div class="our-picks-wrapper"> <div class="toggle-picks-section">Show Summary</div> <div class="our-picks"> <h2 class="our-picks-title"></h2> <ul id="our-picks-section" class="hide"> <li> <a href="#the_best_life_insurance_companies_section">The Best Life Insurance Companies</a> </li> <li> <a href="#featured_partners_section">Featured Partners</a> </li> <li> <a href="#summary_best_life_insurance_companies_section">Summary: Best Life Insurance Companies</a> </li> <li> <a href="#what_is_life_insurance_section">What Is Life Insurance?</a> </li> <li> <a href="#how_to_find_the_best_life_insurance_policy_for_you_section">How to Find the Best Life Insurance Policy For You</a> </li> <li> <a href="#types_of_life_insurance_section">Types of Life Insurance</a> </li> <li> <a href="#how_much_does_a_life_insurance_policy_cost_section">How Much Does a Life Insurance Policy Cost?</a> </li> <li> <a href="#what_does_life_insurance_cover_section">What Does Life Insurance Cover?</a> </li> <li> <a href="#what_does_life_insurance_exclude_section">What Does Life Insurance Exclude?</a> </li> <li> <a href="#do_i_need_life_insurance_section">Do I Need Life Insurance?</a> </li> <li> <a href="#how_much_life_insurance_do_you_need_section">How Much Life Insurance Do You Need? </a> </li> <li> <a href="#is_life_insurance_worth_it_section">Is Life Insurance Worth It?</a> </li> <li> <a href="#life_insurance_sales_are_surging_section">Life Insurance Sales Are Surging</a> </li> <li> <a href="#covid_prompts_plans_to_buy_life_insurance_section">Covid Prompts Plans to Buy Life Insurance</a> </li> <li> <a href="#lacking_sufficient_life_insurance_section">Lacking Sufficient Life Insurance</a> </li> <li> <a href="#consumer_satisfaction_with_life_insurance_is_up_section">Consumer Satisfaction With Life Insurance Is Up</a> </li> <li> <a href="#people_make_more_wills_because_of_covid_section">People Make More Wills Because of Covid</a> </li> <li> <a href="#methodology_section">Methodology</a> </li> <li> <a href="#best_life_insurance_companies_faq_section">Best Life Insurance Companies FAQ</a> </li> </ul> </div> </div> </div> <div class="col-md-3 right-rail"> <style> .best-of-content .boc__section-heading { display: none;} .best-of-content .boc__sub-section { margin: 16px 0 32px;} .best-of-content .boc__items { margin: 12px 0;} .best-of-content .boc__sub-section-heading { font-family: "Work Sans", sans-serif; font-weight: 500; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #333333; text-transform: uppercase; padding-bottom: 12px; border-bottom: 1px solid #c8cccc;} .best-of-content .boc__item-link { font-family: "Work Sans", sans-serif; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #395BB6; text-decoration: none;} .best-of-content .boc__item-link:hover { text-decoration: underline;} .best-of-content .boc__item-list { margin-bottom: 12px;} .best-of-content hr { height: 1px; border: none; border-top: 1px #C8CCCC solid; margin: 16px 0;} @media (max-width: 767px) { .best-of-content { max-width: 270px;} .best-of-content .boc__sub-section { margin-top: 0;} .best-of-content .boc__sub-section:last-child { margin-bottom: 0;} } @media screen and (max-width: 599px) { .best-of-content hr { margin: 16px 0;} } </style> <div class="best-of-content"> <div class="boc__section"> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Buying Guides</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-senior-life-insurance/" title="Best Senior Life Insurance ">Best Senior Life Insurance </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-term-life-insurance-companies/" title="Best Term Life Insurance ">Best Term Life Insurance </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-whole-life-insurance/" title="Best Whole Life Insurance ">Best Whole Life Insurance </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-family-life-insurance/" title="Best Family Life Insurance">Best Family Life Insurance</a> </li> </ul> </div> </div> </div> </div> </div> <div class="bottom-section"> <div id="the_best_life_insurance_companies_section" class="article-section "> <h2>The Best Life Insurance Companies</h2> <div class="section-content wysiwyg-content blue-bullets "> <style> .related-widget { font-family: 'Work Sans', sans-serif; font-style: normal; font-weight: 500; font-size: 18px; line-height: 24px; letter-spacing: -0.5px; position: relative; padding-left: 10px; } .related-widget:before { content: ''; font-size: 0; padding-right: 9px; width: 0; height: 0; border-style: solid; border-width: 5px 0 5px 5px; border-color: transparent transparent transparent #181716; position: absolute; top: 7px; left: 0px;} .title__related-widget { text-transform: uppercase; font-weight: 500;} .link__related-widget { color: #395BB6 !important;} @media (max-width: 599px) { .related-widget { font-size: 14px; line-height: 22px;} .related-widget:before { top: 6px; border-width: 4px 0 4px 4px;} } </style><ul> <li><a href="#lincoln_financial_best_for_boomers_section"><strong>Lincoln Financial</strong> </a>– Best for Boomers</li> <li><a href="#mutual_of_omaha_best_for_indexed_universal_life_insurance_section"><strong>Mutual of Omaha</strong></a> – Best for Indexed Universal Life Insurance</li> <li><a href="#pacific_life_best_for_retirement_planning_section"><strong>Pacific Life</strong></a> – Best for Retirement Planning</li> <li><a href="#protective_best_for_universal_life_insurance_section"><strong>Protective</strong></a> – Best for Universal Life Insurance</li> <li><a href="#prudential_best_for_senior_life_insurance_section"><strong>Prudential</strong></a> – Best for Senior Life Insurance</li> <li><a href="#american_general_best_for_recreational_marijuana_use_section"><strong>AIG</strong></a> – Best for Recreational Marijuana Use</li> <li><a href="#axa_equitable_best_for_variable_universal_life_insurance_section"><strong>Equitable</strong></a> – Best for Variable Universal Life Insurance</li> <li><a href="#nationwide_best_for_gen_x_millennials_section"><strong>Nationwide</strong></a> – Best for Gen X & Millennials</li> <li><a href="#northwestern_mutual_best_for_whole_life_insurance_section"><strong>Northwestern Mutual</strong></a> – Best for Whole Life Insurance</li> <li><a href="#penn_mutual_best_for_estate_planning_section"><strong>Penn Mutual</strong></a> – Best for Estate Planning</li> <li><a href="#transamerica_best_for_term_life_insurance_section"><strong>Transamerica</strong></a> – Best for Term Life Insurance</li> <li><a href="#john_hancock_best_for_celebratory_cigar_use_section"><strong>John Hancock</strong></a> – Best for Celebratory Cigar Use</li> </ul> </div> </div> <hr/> <div id="featured_partners_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <style>/*! purgecss start ignore */.card-rating{background:#fff;border:1px solid #eee;box-shadow:0 4px 2px rgba(119,115,103,.04);border-radius:108px;padding:8px 15px;display:flex;align-items:center;margin-top:20px;max-width:180px;cursor:default;position:relative}@media (max-width:1023px){.card-rating{margin-top:0;max-width:160px}}.card-rating.has-tooltip{cursor:pointer}.card-rating 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url("data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTEiIGhlaWdodD0iOCIgZmlsbD0ibm9uZSIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj48cGF0aCBkPSJNOS41IDFMNCA2LjUgMS41IDQiIHN0cm9rZT0iIzEwQjIwMSIgc3Ryb2tlLXdpZHRoPSIyIiBzdHJva2UtbGluZWNhcD0icm91bmQiIHN0cm9rZS1saW5lam9pbj0icm91bmQiLz48L3N2Zz4=") no-repeat 3px 5px}#genericProductWidget2021 .cc-wrapper .tab-content-wrapper .pros-cons-wrapper .cons li:after{background:rgba(238,106,106,.2) url("data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iOSIgaGVpZ2h0PSI5IiBmaWxsPSJub25lIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjxwYXRoIGQ9Ik02LjkgNy44MjJhLjY1LjY1IDAgMTAuOTItLjkyTDUuNDE3IDQuNSA3LjgyIDIuMDk3YS42NDkuNjQ5IDAgMTAtLjkxNy0uOTE3TDQuNSAzLjU4MyAyLjEgMS4xNzhhLjY1MS42NTEgMCAxMC0uOTIyLjkyMmwyLjQwNSAyLjQtMi40MDUgMi40YS42NTEuNjUxIDAgMTAuOTIyLjkyMmwyLjQtMi40MDUgMi40IDIuNDA1eiIgZmlsbD0iI0VFNkE2QSIgc3Ryb2tlPSIjRUU2QTZBIiBzdHJva2Utd2lkdGg9Ii40Ii8+PC9zdmc+") no-repeat 4px 4px}@-webkit-keyframes open-drawer{0%{display:none;visibility:0;opacity:0;height:0}99%{display:none;visibility:1;opacity:1;height:auto}to{display:block;visibility:1;opacity:1;height:auto}}@keyframes open-drawer{0%{display:none;visibility:0;opacity:0;height:0}99%{display:none;visibility:1;opacity:1;height:auto}to{display:block;visibility:1;opacity:1;height:auto}}@media (max-width:1100px){#genericProductWidget2021 .cc-wrapper .bottom-wrap .facts-wrapper{display:none}#genericProductWidget2021 .cc-wrapper .bottom-wrap .card-rating{margin-top:12px}#genericProductWidget2021 .cc-wrapper .card-top-wrap{flex-wrap:wrap}#genericProductWidget2021 .cc-wrapper .card-top-wrap .mobile-fact-wrapper{width:100%;display:block}#genericProductWidget2021 .cc-wrapper .card-top-wrap .mobile-fact-wrapper .facts-wrapper{margin-top:16px}}</style> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper featured-widget no-rating "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h3 class="card-title">Ladder</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/https://ladder.pxf.io/c/1955282/583296/9299" rel="nofollow" data-vendor="ladder" data-product-name="Ladder" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="308883" data-product="" data-cta-url="https://ladder.pxf.io/c/1955282/583296/9299" data-partner-offer="Yes" data-product-rating="" data-position="1" data-product-badge="" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/03/Ladder.jpg" alt="Ladder"></a></div> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact">Maximum no-exam coverage <span class="icon-tooltip icon-info tooltip tooltipstered" data-tooltip-content="#attr_tooltip0308883"></span></p> <div class="tooltip_templates d-none"> <div id="attr_tooltip0308883">While medical exams may not be required, certain health information is required as part of the application to determine eligibility for coverage </div> </div> </h4> <div class="fact-value-wrapper"> <p class="fact-value">$3 million</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact">Eligible ages </h4> <div class="fact-value-wrapper"> <p class="fact-value">20-60</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact">Term lengths available </h4> <div class="fact-value-wrapper"> <p class="fact-value">10, 15, 20, 25 or 30 years</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/https://ladder.pxf.io/c/1955282/583296/9299" rel="nofollow" data-vendor="ladder" data-product-name="Ladder" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="308883" data-product="" data-cta-url="https://ladder.pxf.io/c/1955282/583296/9299" data-partner-offer="Yes" data-product-rating="" data-position="1" data-product-badge="" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/03/Ladder.jpg" alt="Ladder"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/https://ladder.pxf.io/c/1955282/583296/9299" rel="nofollow" data-vendor="ladder" data-product-name="Ladder" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="308883" data-product="" data-cta-url="https://ladder.pxf.io/c/1955282/583296/9299" data-partner-offer="Yes" data-product-rating="" data-position="1" data-product-badge="" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">On Ladder's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact">Maximum no-exam coverage <span class="icon-tooltip icon-info tooltip tooltipstered" data-tooltip-content="#attr_tooltip0308883"></span></p> <div class="tooltip_templates d-none"> <div id="attr_tooltip0308883">While medical exams may not be required, certain health information is required as part of the application to determine eligibility for coverage </div> </div> </h4> <div class="fact-value-wrapper"> <p class="fact-value">$3 million</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact">Eligible ages </h4> <div class="fact-value-wrapper"> <p class="fact-value">20-60</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact">Term lengths available </h4> <div class="fact-value-wrapper"> <p class="fact-value">10, 15, 20, 25 or 30 years</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"></div> </div> </div> </div> </section> </div> </div> <div id="lincoln_financial_best_for_boomers_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR BOOMERS</h2> <h3 class="card-title">Lincoln Financial</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=lincoln" rel="nofollow" data-vendor="lincoln-financial" data-product-name="Lincoln Financial" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201916" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=lincoln" data-partner-offer="No" data-product-rating="5" data-position="2" data-product-badge="BEST FOR BOOMERS" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/Lincoln-Financial-Group_logo.png" alt="Lincoln Financial"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=lincoln" rel="nofollow" data-vendor="lincoln-financial" data-product-name="Lincoln Financial" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201916" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=lincoln" data-partner-offer="No" data-product-rating="5" data-position="2" data-product-badge="BEST FOR BOOMERS" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/Lincoln-Financial-Group_logo.png" alt="Lincoln Financial"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=lincoln" rel="nofollow" data-vendor="lincoln-financial" data-product-name="Lincoln Financial" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201916" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=lincoln" data-partner-offer="No" data-product-rating="5" data-position="2" data-product-badge="BEST FOR BOOMERS" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Life insurance buyers ages 57 to 72 have more time to build cash value than senior buyers, but not the decades of growth that younger buyers can enjoy. Lincoln Financial offers a wide range of competitive products that Boomers can choose from depending on whether they’re looking for low risk policies or more aggressive investments for cash value accumulation. Lincoln Financial policies also generally offer competitive costs and options that will build cash value well in the early policy years. Lincoln’s financial strength is another advantage.</p> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/lincoln-financial-life-insurance-review/">Lincoln Financial Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Competitive rates for term life insurance.</li> <li>For term life insurance customers, the maximum ages for guaranteed renewability and conversion to a permanent policy are higher than some other competitors.</li> <li>For cash value life insurance buyers, Lincoln is worth consideration if you are putting a priority on reliable policy illustrations, so you aren’t surprised by lower-than-expected cash value.</li> <li>Lincoln cash value policies also generally have low internal policy costs, which means more of your premium money is going toward cash value.</li> </ul> </div> <div class="list-points cons"> <ul> <li>The investment performance for some of its cash value products has only been so-so, so you may not get the kind of robust cash value growth you could get with other companies.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly variable universal life</li> <li>Fixed-rate universal life</li> <li>Some indexed universal life</li> <li>Some term life</li> <li>A little guaranteed universal life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Additional Insurance Rider</li> <li>Child Life Insurance Rider</li> <li>Chronic Illness Rider</li> <li>Critical Illness Rider</li> <li>Early/Enhanced Cash Value Rider</li> <li>Estate Protection Rider</li> <li>Lapse Protection Rider</li> <li>Long Term Care Rider</li> <li>Option to Split/Change/Convert Rider</li> <li>Overloan Protection Rider</li> <li>Return of Premium Rider</li> <li>Spouse/Other Insured Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> <li>Waiver of Monthly Deduction Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Website Readability</strong></p> <p>Forbes Advisor asked VisibleThread to analyze the readability of Lincoln Financial’’s website.</p> <ul> <li>Lincoln had a low readability score at 35 out of 100. (A score of at least 60 is preferred.)</li> <li>Complex words and long sentences can make it hard to understand what Lincoln has to offer.<br/>Lincoln’s website is written for an 11th grade reading level, making it fairly difficult to read for a typical consumer.</li> </ul> <p><strong>Lincoln Financial Quick Facts</strong></p> <ul> <li>Year established: 1905</li> <li>Headquarters: Radnor, Pennsylvania</li> <li>Assets: $315.8 billion</li> <li>How to buy: Lincoln Financial life insurance is mostly available through independent brokers, but also available through financial advisors and agents who sell only Lincoln Financial products.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="mutual_of_omaha_best_for_indexed_universal_life_insurance_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR INDEXED UNIVERSAL LIFE INSURANCE</h2> <h3 class="card-title">Mutual of Omaha</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=mutualofomaha" rel="nofollow" data-vendor="mutual-of-omaha" data-product-name="Mutual of Omaha" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201920" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=mutualofomaha" data-partner-offer="No" data-product-rating="5" data-position="3" data-product-badge="BEST FOR INDEXED UNIVERSAL LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/01/MoO_Vert_654C.png" alt="Mutual of Omaha"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=mutualofomaha" rel="nofollow" data-vendor="mutual-of-omaha" data-product-name="Mutual of Omaha" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201920" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=mutualofomaha" data-partner-offer="No" data-product-rating="5" data-position="3" data-product-badge="BEST FOR INDEXED UNIVERSAL LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/01/MoO_Vert_654C.png" alt="Mutual of Omaha"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=mutualofomaha" rel="nofollow" data-vendor="mutual-of-omaha" data-product-name="Mutual of Omaha" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201920" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=mutualofomaha" data-partner-offer="No" data-product-rating="5" data-position="3" data-product-badge="BEST FOR INDEXED UNIVERSAL LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Mutual of Omaha offers the best combination of high ratings for financial strength, competitive internal policy costs for indexed universal life insurance policies, and higher interest rate gains from their portfolio of bonds and mortgages.</p> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/mutual-of-omaha-life-insurance-review/">Mutual Of Omaha Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Superior financial strength, which indicates that a company will be able to pay claims many years down the road.</li> <li>Excellent for competitive costs, which means you can have more of your premiums going toward cash value and less to pay a company’s internal expenses.</li> <li>Mutual of Omaha’s investments have traditionally performed very well. This helps improve the chances that their indexed universal life products will perform well.</li> </ul> </div> <div class="list-points cons"> <ul> <li>The reliability of Mutual of Omaha’s policy illustrations is only so-so, which is often the case with indexed universal life insurance products. This means you should be prepared for the possibility that your cash value gains may be lower or your premiums actually higher than what the policy illustration may show.</li> <li>There’s often less ability to access cash value in the early years of a policy. If taking a withdrawal or policy loan early on is important to you, for example, other companies’ policies may be a better fit.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly whole life</li> <li>Indexed universal life</li> <li>Some term life</li> <li>A little guaranteed universal life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Accidental Death Benefit Rider</li> <li>Additional Insurance Rider</li> <li>Child Life Insurance Rider</li> <li>Chronic Illness Rider</li> <li>Critical Illness Rider</li> <li>Disability Rider</li> <li>Guaranteed Insurability Rider</li> <li>Lapse Protection Rider</li> <li>Long Term Care Rider</li> <li>Overloan Protection Rider</li> <li>Return of Premium Rider</li> <li>Spouse/Other Insured Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> <li>Waiver of Surrender Charges Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Website Readability</strong></p> <p>VisibleThread analyzed Mutual of Omaha’s website at the request of Forbes Advisor.</p> <ul> <li>Mutual of Omaha’s website content is at an 8th grade reading level, making it generally easy to read.</li> <li>While much of the company’s website content is clearly written, some parts suffer from long sentences and complex words.</li> </ul> <p><strong>Mutual of Omaha Quick Facts</strong></p> <ul> <li>Year established: 1909</li> <li>Headquarters: Omaha, Nebraska</li> <li>Assets: $37.5 billion</li> <li>How to buy: Mutual of Omaha life insurance policies are available through independent brokers and direct-to-consumer channels (such as online).</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="pacific_life_best_for_retirement_planning_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR RETIREMENT PLANNING</h2> <h3 class="card-title">Pacific Life</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pacificlife" rel="nofollow" data-vendor="pacific-life" data-product-name="Pacific Life" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201921" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pacificlife" data-partner-offer="No" data-product-rating="5" data-position="4" data-product-badge="BEST FOR RETIREMENT PLANNING" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/pacific-life-logo-v2.png" alt="Pacific Life"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual holding</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pacificlife" rel="nofollow" data-vendor="pacific-life" data-product-name="Pacific Life" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201921" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pacificlife" data-partner-offer="No" data-product-rating="5" data-position="4" data-product-badge="BEST FOR RETIREMENT PLANNING" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/pacific-life-logo-v2.png" alt="Pacific Life"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pacificlife" rel="nofollow" data-vendor="pacific-life" data-product-name="Pacific Life" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201921" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pacificlife" data-partner-offer="No" data-product-rating="5" data-position="4" data-product-badge="BEST FOR RETIREMENT PLANNING" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual holding</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Cash value life insurance can be used to supplement retirement income, especially for those who have maxed out their 401(k) contributions. If you want to use life insurance for retirement planning, you’re generally looking for a policy that will be good at building cash value. You can access the money through a policy loan or withdrawal.</p> <p>Low internal costs also help because your cash value won’t be eaten up by policy expenses.</p> <p>Pacific Life provides a crucial combination of competitive pricing and reliable illustrations for policies that can maximize cash value accumulation for most of its life insurance types. The company has also shown good performance of the invested assets that fuel cash value growth.</p> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/pacific-life-insurance-review/">Pacific Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Superior rates for term life insurance.</li> <li>Very good cost competitiveness among most of its cash value policies, so more of your premium money goes to building cash value.</li> <li>Many of Pacific Life’s policies will build cash value even in the early years, compared to other companies where it can take decades to get traction.</li> <li>Policy illustrations tend to be reliable, so you’ll have a good prediction of cash value gains over time.</li> </ul> </div> <div class="list-points cons"> <ul> <li>Some of its newer indexed universal life insurance products have significantly higher internal costs and more questionable policy performance expectations than other products. Be sure to understand the costs outlined in the policy illustration.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly indexed universal life</li> <li>Some variable universal life</li> <li>Some whole life</li> <li>A little fixed-rate universal life and term life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Additional Insurance Rider</li> <li>Child Life Insurance Rider</li> <li>Chronic Illness Rider</li> <li>Early/Enhanced Cash Value Rider</li> <li>Estate Protection Rider</li> <li>Lapse Protection Rider</li> <li>Long Term Care Rider</li> <li>Option to Split/Change/Convert Rider</li> <li>Overloan Protection Rider</li> <li>Return of Premium Rider</li> <li>Spouse/Other Insured Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> <li>Waiver of Monthly Deduction Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Pacific Life Quick Facts</strong></p> <ul> <li>Year established: 1868</li> <li>Headquarters: Newport Beach, California</li> <li>Assets: $167 billion</li> <li>How to buy: Pacific Life insurance is mostly sold through independent brokers, with some availability through financial advisors and agents who sell only Pacific Life products.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="protective_best_for_universal_life_insurance_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR UNIVERSAL LIFE INSURANCE</h2> <h3 class="card-title">Protective</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=protective" rel="nofollow" data-vendor="protective" data-product-name="Protective" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201923" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=protective" data-partner-offer="No" data-product-rating="5" data-position="5" data-product-badge="BEST FOR UNIVERSAL LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Protective_h_sm_rgb.png" alt="Protective"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=protective" rel="nofollow" data-vendor="protective" data-product-name="Protective" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201923" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=protective" data-partner-offer="No" data-product-rating="5" data-position="5" data-product-badge="BEST FOR UNIVERSAL LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Protective_h_sm_rgb.png" alt="Protective"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=protective" rel="nofollow" data-vendor="protective" data-product-name="Protective" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201923" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=protective" data-partner-offer="No" data-product-rating="5" data-position="5" data-product-badge="BEST FOR UNIVERSAL LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Protective’s universal life insurance policies offer competitive internal policy costs for most ages and health risks, so more of your premium can go toward cash value. The company has shown superior performance of the bonds and mortgages that are underlying cash value, and its universal life insurance policy illustrations are usually reliable.</p> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/protective-life-insurance-review/">Protective Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Protective’s term life insurance rates are competitive.</li> <li>Protective’s cash value life insurance policies generally have low internal costs. This can mean more money toward your cash value and less for paying a company’s policy expenses.</li> <li>The company’s investments have performed very well over the years. This is a factor that has likely helped keep premiums lower than many competitors’ universal life insurance products.</li> </ul> </div> <div class="list-points cons"> <ul> <li>Cash value accumulation during the early years of a policy may be slow. If faster cash value is important to you, make sure you examine the guaranteed parts of the policy illustration to see how your cash value will build.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Whole life</li> <li>Guaranteed universal life</li> <li>Term life</li> <li>Some variable universal life</li> <li>Some fixed-rate universal life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Accidental Death Benefit Rider</li> <li>Child Life Insurance Rider</li> <li>Disability Rider</li> <li>Guaranteed Insurability Rider</li> <li>Lapse Protection Rider</li> <li>Overloan Protection Rider</li> <li>Return of Premium Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> <li>Waiver of Premium Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Protective Quick Facts</strong></p> <ul> <li>Year established: 1907</li> <li>Headquarters: Birmingham, Alabama</li> <li>Assets: $90.5 billion</li> <li>How to buy: Protective life insurance policies are available through independent brokers and financial advisors.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="prudential_best_for_senior_life_insurance_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR SENIOR LIFE INSURANCE</h2> <h3 class="card-title">Prudential</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=prudential" rel="nofollow" data-vendor="prudential" data-product-name="Prudential" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201925" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=prudential" data-partner-offer="No" data-product-rating="5" data-position="6" data-product-badge="BEST FOR SENIOR LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/12/Prudential-logo-1-e1607598931299.jpg" alt="Prudential"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=prudential" rel="nofollow" data-vendor="prudential" data-product-name="Prudential" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201925" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=prudential" data-partner-offer="No" data-product-rating="5" data-position="6" data-product-badge="BEST FOR SENIOR LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/12/Prudential-logo-1-e1607598931299.jpg" alt="Prudential"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=prudential" rel="nofollow" data-vendor="prudential" data-product-name="Prudential" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201925" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=prudential" data-partner-offer="No" data-product-rating="5" data-position="6" data-product-badge="BEST FOR SENIOR LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Prudential has a superior combination of strengths that speak to the concerns of seniors, including reliable policy illustrations, financial strength and competitive internal policy costs for most products.</p> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/prudential-life-insurance-review/">Prudential Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Prudential’s term life insurance allows you to access your own death benefit if you need money for nursing home expenses.</li> <li>Policy illustrations for Prudential’s cash value products tend to be highly reliable. This can give you confidence that the product you’re buying won’t require additional premiums and you will have the cash value and internal costs that you’re expecting.</li> <li>Prudential’s cash value policies tend to have low internal costs, which is especially important for senior buyers who want certainty and who generally don’t have the time or risk tolerance to put their cash value toward aggressive but risky policy investment choices.</li> </ul> </div> <div class="list-points cons"> <ul> <li>The company has had only average performance of its investments, which can affect your chances of building a lot of cash value compared to competitors with robust investment performance.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly variable universal life</li> <li>Some indexed universal life</li> <li>Some guaranteed universal life</li> <li>Some term life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Accidental Death Benefit Rider</li> <li>Child Life Insurance Rider</li> <li>Chronic Illness Rider</li> <li>Disability Rider</li> <li>Early/Enhanced Cash Value Rider</li> <li>Estate Protection Rider</li> <li>Lapse Protection Rider</li> <li>Option to Split/Change/Convert Rider</li> <li>Overloan Protection Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> <li>Waiver of Monthly Deduction Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Website Readability</strong></p> <p>VisibleThread analyzed the readability of Prudential’s website at the request of Forbes Advisor.</p> <ul> <li>Prudential had a low readability score at 35 out of 100. (A score of at least 60 is preferred.)</li> <li>The website’s long sentences and difficult words can make it hard to understand Prudential’s product offerings.</li> <li>Prudential’s website content is at an 11th grade reading level, making it fairly difficult to read for the typical consumer.</li> </ul> <p><strong>Prudential Quick Facts</strong></p> <ul> <li>Year established: 1875</li> <li>Headquarters: Newark, New Jersey</li> <li>Assets: $680 billion</li> <li>How to buy: Prudential life insurance is available through independent brokers, financial advisors and agents who sell only Prudential products.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="american_general_best_for_recreational_marijuana_use_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR RECREATIONAL MARIJUANA USE</h2> <h3 class="card-title">AIG</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=aig" rel="nofollow" data-vendor="aig" data-product-name="AIG" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201930" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=aig" data-partner-offer="No" data-product-rating="4.5" data-position="7" data-product-badge="BEST FOR RECREATIONAL MARIJUANA USE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/AIG_Logo-e1602829991116.jpg" alt="AIG"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.5</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 90%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A (Excellent)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=aig" rel="nofollow" data-vendor="aig" data-product-name="AIG" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201930" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=aig" data-partner-offer="No" data-product-rating="4.5" data-position="7" data-product-badge="BEST FOR RECREATIONAL MARIJUANA USE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/AIG_Logo-e1602829991116.jpg" alt="AIG"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=aig" rel="nofollow" data-vendor="aig" data-product-name="AIG" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201930" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=aig" data-partner-offer="No" data-product-rating="4.5" data-position="7" data-product-badge="BEST FOR RECREATIONAL MARIJUANA USE" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A (Excellent)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>With the spread of legalized marijuana across the country, more and more consumers who use pot will be among those buying life insurance. Not all life insurance companies will accept marijuana users and/or offer them competitive rates. Many life insurers will offer only “standard” rates at best, not “preferred” rates.</p> <p>American General offers relatively friendly underwriting for marijuana users.</p> <ul> <li>Buyers of either term life or cash value life insurance who use marijuana eight or fewer days per month can still qualify for the best rate class from American General.</li> <li>Folks who use marijuana for vaping may be able to get “standard tobacco” rates.</li> <li>However, life insurance shoppers who use marijuana frequently (more than 16 days a month or more than four days a week) should expect to be declined by American General.</li> </ul> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/american-general-life-insurance-review/">American General Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>The majority of American General cash value policies have admirable qualities across the board, such as low internal costs, good reliability of policy illustrations and solid performance of investments that fuel cash value growth.</li> </ul> </div> <div class="list-points cons"> <ul> <li>The company’s overall track record of financial strength is poor but has recovered since AIG’s financial implosion in 2008.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly indexed universal life</li> <li>Term life</li> <li>Whole life</li> <li>Guaranteed universal life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Accidental Death Benefit Rider</li> <li>Child Life Insurance Rider</li> <li>Disability Rider</li> <li>Early/Enhanced Cash Value Rider</li> <li>Lapse Protection Rider</li> <li>Maturity Extension Rider</li> <li>Overloan Protection Rider</li> <li>Return of Premium Rider</li> <li>Spouse/Other Insured Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> <li>Waiver of Monthly Deduction Rider</li> <li>Waiver of Premium Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Website Readability</strong><br/>Forbes Advisor asked VisibleThread to analyze the website of AIG, American General’s parent company.</p> <ul> <li>AIG had among the lowest readability scores of the insurance websites analyzed, with a score of 30 out of 100. (A score of at least 60 is preferred.)</li> <li>The AIG website is written at an 11th grade reading level, making it fairly difficult to read for the typical customer.</li> <li>The site is plagued by sentences longer than 25 words.</li> </ul> <p><strong>American General Quick Facts</strong></p> <ul> <li>Year established: 1926</li> <li>Headquarters: New York, New York</li> <li>Assets: $161 billion</li> <li>How to buy: American General life insurance is sold mostly through independent brokers, with some products available direct-to-consumer, such as online.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="equitable_best_for_variable_universal_life_insurance_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR VARIABLE UNIVERSAL LIFE INSURANCE</h2> <h3 class="card-title">Equitable</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=axa-equitable" rel="nofollow" data-vendor="equitable" data-product-name="Equitable" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201935" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=axa-equitable" data-partner-offer="No" data-product-rating="4.5" data-position="8" data-product-badge="BEST FOR VARIABLE UNIVERSAL LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/equitable_logo-e1602831891745.png" alt="Equitable"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.5</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 90%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A (Excellent)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=axa-equitable" rel="nofollow" data-vendor="equitable" data-product-name="Equitable" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201935" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=axa-equitable" data-partner-offer="No" data-product-rating="4.5" data-position="8" data-product-badge="BEST FOR VARIABLE UNIVERSAL LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/equitable_logo-e1602831891745.png" alt="Equitable"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=axa-equitable" rel="nofollow" data-vendor="equitable" data-product-name="Equitable" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201935" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=axa-equitable" data-partner-offer="No" data-product-rating="4.5" data-position="8" data-product-badge="BEST FOR VARIABLE UNIVERSAL LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A (Excellent)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Equitable (formerly AXA Equitable) offers buyers of variable universal life (VUL) insurance a superior combination of competitive pricing for many ages and health risks, generally good access to cash value within VUL policies and a wide selection of mutual fund-like accounts among its investment choices.</p> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/axa-equitable-life-insurance-review/">Equitable Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Equitable has a great track record for reliable policy illustrations for its cash value products. This can give you some peace of mind that your cash value is unlikely to tank unexpectedly, or that you’ll be hit with higher internal costs down the road.</li> <li>The company’s internal policy costs on its cash value policies are generally low. This means more money toward your cash value and less to policy expenses.</li> </ul> </div> <div class="list-points cons"> <ul> <li>The company’s financial strength ratings haven’t always been as high as its top competitors.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly variable universal life</li> <li>Some indexed universal life</li> <li>A little term life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Additional Insurance Rider</li> <li>Child Life Insurance Rider</li> <li>Disability Rider</li> <li>Early/Enhanced Cash Value Rider</li> <li>Estate Protection Rider</li> <li>Lapse Protection Rider</li> <li>Long Term Care Rider</li> <li>Option to Split/Change/Convert Rider</li> <li>Overloan Protection Rider</li> <li>Return of Premium Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Website Readability</strong></p> <p>VisibleThread analyzed the readability of Equitable’s website at the request of Forbes Advisor.</p> <ul> <li>Equitable had a low readability score among the insurance companies analyzed, at 35 out of 100. (A score of at least 60 is preferred.)</li> <li>Equitable’s website information can be hard to understand because of its long sentences and complex words. This can make it difficult to understand the company’s products.</li> <li>The company’s website content is at an 11th grade reading level, making it fairly difficult to read for the typical consumer.</li> </ul> <p><strong>Equitable Quick Facts</strong></p> <ul> <li>Year established: 1859</li> <li>Headquarters: New York, New York</li> <li>Assets: $242 billion</li> <li>How to buy: Equitable’s life insurance products are mostly available through agents who work only for Equitable but increasingly also through independent brokers.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="nationwide_best_for_gen_x_millennials_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR GEN X & MILLENNIALS</h2> <h3 class="card-title">Nationwide</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=nationwide" rel="nofollow" data-vendor="nationwide" data-product-name="Nationwide" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201913" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=nationwide" data-partner-offer="No" data-product-rating="4.5" data-position="9" data-product-badge="BEST FOR GEN X & MILLENNIALS" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/nationwide-removebg-preview.png" alt="Nationwide"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.5</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 90%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=nationwide" rel="nofollow" data-vendor="nationwide" data-product-name="Nationwide" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201913" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=nationwide" data-partner-offer="No" data-product-rating="4.5" data-position="9" data-product-badge="BEST FOR GEN X & MILLENNIALS" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/nationwide-removebg-preview.png" alt="Nationwide"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=nationwide" rel="nofollow" data-vendor="nationwide" data-product-name="Nationwide" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201913" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=nationwide" data-partner-offer="No" data-product-rating="4.5" data-position="9" data-product-badge="BEST FOR GEN X & MILLENNIALS" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Nationwide offers advantages to younger life insurance buyers who generally need policy illustrations that are reliable over the very long term and policies that have good historical performance of invested assets in order to grow cash value.</p> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/nationwide-life-insurance-review/">Nationwide Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Nationwide’s policy illustrations have had a high level of reliability. Especially for younger buyers, this factor is important when you’ll be holding a policy for many decades.</li> <li><span style="font-weight: 400;">Nationwide offers advantages to younger life insurance buyers who generally need policy illustrations that are reliable over the very long term and policies that have generally good historical performance of invested assets in order to grow cash value.</span>The internal costs of its cash value policies are generally good, so more of your money can go toward building cash value.</li> </ul> </div> <div class="list-points cons"> <ul> <li>Not all of Nationwide’s policies will build cash value quickly in the early years. Check the policy illustration to see what you can expect if it’s important to you to access cash value earlier rather than later.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly indexed universal life</li> <li>Fixed-rate universal life</li> <li>Some guaranteed universal life</li> <li>Some variable universal life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Accidental Death Benefit Rider</li> <li>Child Life Insurance Rider</li> <li>Chronic Illness Rider</li> <li>Critical Illness Rider</li> <li>Disability Rider</li> <li>Early/Enhanced Cash Value Rider</li> <li>Estate Protection Rider</li> <li>Guaranteed Insurability Rider</li> <li>Lapse Protection Rider</li> <li>Long Term Care Rider</li> <li>Option to Split/Change/Convert Rider</li> <li>Overloan Protection Rider</li> <li>Return of Premium Rider</li> <li>Spouse/Other Insured Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> <li>Waiver of Monthly Deduction Rider</li> <li>Waiver of Premium Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Website Readability</strong></p> <p>Forbes Advisor asked VisibleThread to analyze the readability of Nationwide’s website.</p> <ul> <li>Nationwide’s website had a low readability score at 41 out of 100. (A score of at least 60 is preferred.)</li> <li>The company’s website is written for a 10th grade reading level, making it fairly difficult to read for a typical consumer.</li> <li>Complex words and long sentences contribute to the difficulty consumers may have in reading Nationwide’s website.</li> </ul> <p><strong>Nationwide Quick Facts</strong></p> <ul> <li>Year established: 1926</li> <li>Headquarters: Columbus, Ohio</li> <li>Assets: $210.9 billion</li> <li>How to buy: Nationwide’s life insurance is mostly sold through independent brokers, with some availability through financial advisors.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="northwestern_mutual_best_for_whole_life_insurance_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR WHOLE LIFE INSURANCE</h2> <h3 class="card-title">Northwestern Mutual</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=northwestern-mutual" rel="nofollow" data-vendor="northwestern-mutual" data-product-name="Northwestern Mutual" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="194171" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=northwestern-mutual" data-partner-offer="No" data-product-rating="4" data-position="10" data-product-badge="BEST FOR WHOLE LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/Northwestern-Mutual_logo.jpg" alt="Northwestern Mutual"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A++ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=northwestern-mutual" rel="nofollow" data-vendor="northwestern-mutual" data-product-name="Northwestern Mutual" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="194171" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=northwestern-mutual" data-partner-offer="No" data-product-rating="4" data-position="10" data-product-badge="BEST FOR WHOLE LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/Northwestern-Mutual_logo.jpg" alt="Northwestern Mutual"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=northwestern-mutual" rel="nofollow" data-vendor="northwestern-mutual" data-product-name="Northwestern Mutual" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="194171" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=northwestern-mutual" data-partner-offer="No" data-product-rating="4" data-position="10" data-product-badge="BEST FOR WHOLE LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A++ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Northwestern Mutual provides a superior combination of high ratings for financial strength, good pricing on whole life insurance (for many ages and health risks) and good access to cash value within whole life policies.</p> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/northwestern-mutual-life-insurance-review/">Northwestern Mutual Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Superior financial strength, which indicates an insurer’s ability to pay claims many decades from now.</li> <li>Most of Northwestern Mutual’s cash value policies build cash value well in the early years, so you can access more money faster than you would with some other companies.</li> <li>Northwestern Mutual’s policy illustrations have a high level of reliability, so you’re less likely to be caught by surprise by changes to projected cash value or policy expenses.</li> </ul> </div> <div class="list-points cons"> <ul> <li>The historical performance of Northwestern Mutual’s investments has lagged behind top competitors. This could affect how much cash value you build over time, depending on your policy type.</li> <li>Internal policy costs tend to be higher than many competitors. High internal costs can eat into your cash value and/or result in higher premiums.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly whole life</li> <li>Some variable universal life</li> <li>Some fixed-rate universal life</li> <li>Some term life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Waiver of Premium Benefit (whole life only)</li> <li>Waiver of Selected Premium Amount (universal life only)</li> <li>Additional Purchase Benefit</li> <li>Accelerated Care Benefit</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Website Readability</strong></p> <p>VisibleThread, a provider of readability scores, analyzed Northwestern Mutual’s website at the request of Forbes Advisor.</p> <ul> <li>Northwestern Mutual’s website scored 45 out of 100 for readability, missing the mark of at least 60 for good communication.</li> <li>The company’s website has a very high portion (27%) of long sentences with 25 words or more.</li> <li>Northwestern Mutual’s website content is written at a 10th grade reading level, making it “fairly difficult to read” for the typical consumer.</li> </ul> <p><strong>Northwestern Mutual Quick Facts</strong></p> <ul> <li>Year established: 1858</li> <li>Headquarters: Milwaukee, Wisconsin</li> <li>Assets: $309 billion</li> <li>How to buy: You must go through a Northwestern Mutual agent to buy the company’s life insurance products</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="penn_mutual_best_for_estate_planning_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR ESTATE PLANNING</h2> <h3 class="card-title">Penn Mutual</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pennmutual" rel="nofollow" data-vendor="penn-mutual" data-product-name="Penn Mutual" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201954" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pennmutual" data-partner-offer="No" data-product-rating="4" data-position="11" data-product-badge="BEST FOR ESTATE PLANNING" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/06/PML_linear_logo_cmyk-color.jpg" alt="Penn Mutual"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pennmutual" rel="nofollow" data-vendor="penn-mutual" data-product-name="Penn Mutual" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201954" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pennmutual" data-partner-offer="No" data-product-rating="4" data-position="11" data-product-badge="BEST FOR ESTATE PLANNING" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/06/PML_linear_logo_cmyk-color.jpg" alt="Penn Mutual"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pennmutual" rel="nofollow" data-vendor="penn-mutual" data-product-name="Penn Mutual" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201954" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=pennmutual" data-partner-offer="No" data-product-rating="4" data-position="11" data-product-badge="BEST FOR ESTATE PLANNING" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Mutual</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Life insurance buyers who want to use a policy for estate planning are usually looking for a high death benefit for their money. The death benefit allows beneficiaries to pay off estate taxes without selling off portions of the estate. Building cash value is usually less important.</p> <p>Penn Mutual offers the best combination of financial strength, competitive internal policy costs and reliable policy illustrations for products that can maximize the death benefit for the premium that’s paid.</p> <p><strong>Read more: </strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/penn-mutual-life-insurance-review/">Penn Mutual Life Insurance Review</a></p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Penn Mutual’s term life insurance is guaranteed renewable up to age 98; many competitors cut off at age 90 or 95.</li> <li>The majority of Penn Mutual’s cash value policies are cost competitive, so you can buy a higher death benefit for the premium you’re paying.</li> <li>Penn Mutual’s cost competitiveness has likely been helped by the superior performance of the company’s investments.</li> </ul> </div> <div class="list-points cons"> <ul> <li>Not all Penn Mutual policies build cash value well early on. That may not be important to a buyer who’s using life insurance for estate planning, who wants to buy a high death benefit for beneficiaries.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly whole life</li> <li>Some indexed universal life</li> <li>A little guaranteed universal life, variable universal life and term life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Accidental Death Benefit Rider</li> <li>Additional Insurance Rider</li> <li>Child Life Insurance Rider</li> <li>Chronic Illness Rider</li> <li>Disability Rider</li> <li>Early/Enhanced Cash Value Rider</li> <li>Estate Protection Rider</li> <li>Guaranteed Insurability Rider</li> <li>Lapse Protection Rider</li> <li>Option to Split/Change/Convert Rider</li> <li>Overloan Protection Rider</li> <li>Return of Premium Rider</li> <li>Spouse/Other Insured Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> <li>Waiver of Monthly Deduction Rider</li> <li>Waiver of Premium Rider</li> <li>Waiver of Surrender Charges Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Website Readability</strong><br/>Forbes Advisor asked VisibleThread to analyze how difficult it is to read the Penn Mutual website.<br/>Penn Mutual’s website had a low readability score at 37 out of 100. (A score of at least 50 is preferred.)</p> <ul> <li>The company’s website is written at an 11th grade reading level, making it fairly difficult to read for the typical customer.</li> <li>Penn Mutual’s website has a large portion of long sentences (more than 25 words) and difficult words. This can make it hard to understand the company’s products.</li> </ul> <p><strong>Penn Mutual Quick Facts</strong></p> <ul> <li>Year established: 1847</li> <li>Headquarters: Horsham, Pennsylvania</li> <li>Assets: $33.4 billion</li> <li>How to buy: Penn Mutual life insurance is mostly sold through independent brokers but also available through insurance agents who sell only Penn Mutual products.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="transamerica_best_for_term_life_insurance_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR TERM LIFE INSURANCE</h2> <h3 class="card-title">Transamerica</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=transamerica" rel="nofollow" data-vendor="transamerica" data-product-name="Transamerica" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201964" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=transamerica" data-partner-offer="No" data-product-rating="4" data-position="12" data-product-badge="BEST FOR TERM LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/transamerica-logo-2a026c89d9e948be89d1666e29e9b8da-e1602830181104.jpg" alt="Transamerica"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A (Excellent)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=transamerica" rel="nofollow" data-vendor="transamerica" data-product-name="Transamerica" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="201964" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=transamerica" data-partner-offer="No" data-product-rating="4" data-position="12" data-product-badge="BEST FOR TERM LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/10/transamerica-logo-2a026c89d9e948be89d1666e29e9b8da-e1602830181104.jpg" alt="Transamerica"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=transamerica" rel="nofollow" data-vendor="transamerica" data-product-name="Transamerica" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="201964" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=transamerica" data-partner-offer="No" data-product-rating="4" data-position="12" data-product-badge="BEST FOR TERM LIFE INSURANCE" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A (Excellent)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>Transamerica’s term life insurance has consistently excellent rates across a variety of customer ages and coverage amounts. It offers top-notch benefits in its Trendsetter Living Benefits term life policy, such as the ability to access your own death benefit early if you have a chronic or critical illness.</p> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Transamerica generally has had very reliable policy illustrations for its cash value policies. This means you’re less likely to be taken by surprise by lower cash value gains than you expected.</li> <li>Cash value generally builds fairly well in the early years of Transamerica’s cash value policies.</li> <li>This gives you more flexibility to take a policy loan earlier on.</li> <li>Generally excellent rates for term life insurance.</li> </ul> </div> <div class="list-points cons"> <ul> <li>The company’s investments haven’t always performed very well, especially compared to top competitors. This can affect factors like cost competitiveness. The policy expenses passed on to customers have been higher for Transamerica customers compared to some top competitors. Make sure to check your policy illustration for predicted internal costs and compare it to other companies.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly indexed universal life</li> <li>Term life</li> <li>Some whole life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Accidental Death Benefit Rider</li> <li>Additional Insurance Rider</li> <li>Child Life Insurance Rider</li> <li>Disability Rider</li> <li>Guaranteed Insurability Rider</li> <li>Overloan Protection Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Transamerica Quick Facts</strong></p> <ul> <li>Year established: 1928</li> <li>Headquarters: Cedar Rapids, Iowa</li> <li>Assets: $236 billion</li> <li>How to buy: Transamerica life insurance policies are sold mostly through independent brokers, and some products are available direct-to-consumer, such as online.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="john_hancock_best_for_celebratory_cigar_use_section" class="article-section hide-section-title"> <div class="section-content wysiwyg-content"> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root"> <div class="exclude-eds cc-wrapper "> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">BEST FOR CELEBRATORY CIGAR USE</h2> <h3 class="card-title">John Hancock</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=john-hancock" rel="nofollow" data-vendor="john-hancock" data-product-name="John Hancock" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="194176" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=john-hancock" data-partner-offer="No" data-product-rating="3.5" data-position="13" data-product-badge="BEST FOR CELEBRATORY CIGAR USE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/1200px-John_Hancock_Insurance_Logo.svg.png" alt="John Hancock"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">3.5</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 70%;"></span></div> <div class="rating-logo"><img data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor" class="lozad"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account the historical performance of a company's cash value life insurance policies. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a class="add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=john-hancock" rel="nofollow" data-vendor="john-hancock" data-product-name="John Hancock" data-cta-info="Compare Quotes" data-cta-placement="Image Link" data-product-id="194176" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=john-hancock" data-partner-offer="No" data-product-rating="3.5" data-position="13" data-product-badge="BEST FOR CELEBRATORY CIGAR USE" data-component="Generic Product Widget" target="_blank"><img class="card-image lozad" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/1200px-John_Hancock_Insurance_Logo.svg.png" alt="John Hancock"></a></div> <div class="btn-wrap"><a class="apply-now c-button add-generic-widget-tid-attribute" href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=john-hancock" rel="nofollow" data-vendor="john-hancock" data-product-name="John Hancock" data-cta-info="Compare Quotes" data-cta-placement="Button Link" data-product-id="194176" data-product="Best Life Insurance Companies" data-cta-url="http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=john-hancock" data-partner-offer="No" data-product-rating="3.5" data-position="13" data-product-badge="BEST FOR CELEBRATORY CIGAR USE" data-component="Generic Product Widget" target="_blank"><span>Compare Quotes </span><img class="lozad" data-img-src="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt=""></a></p> <div class="secure-site-txt">Compare quotes from participating carriers via Policygenius.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <h4 class="fact">Company structure </h4> <div class="fact-value-wrapper"> <p class="fact-value">Stock</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <h4 class="fact">A.M. Best financial strength rating </h4> <div class="fact-value-wrapper"> <p class="fact-value">A+ (Superior)</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab ">Why We Picked It</div> <div class="c-tab--content list-points"> <p>John Hancock offers a superior option for many types of nicotine users.</p> <p>Many life insurance companies offer only smoker’s rates for regular users of tobacco products. Premiums and internal policy costs for these “smokers” are generally twice as much (or more) as the costs for non-tobacco users. However, some insurers will consider infrequent or occasional “celebratory” cigar users for their best rates under certain circumstances. If you use nicotine in any form (cigarettes, edibles, patches, vaping, etc.) it can really pay off to shop around for life insurance.</p> <p>John Hancock offers relatively friendly underwriting for celebratory cigar users:</p> <ul> <li>Super Preferred Non-Smoker: No more than 12 cigars per year, no nicotine in past 5 years, and no nicotine in microurinalysis</li> <li>Preferred Non-Smoker: No more than 12 cigars per year, no nicotine in past 2 years, and no nicotine in microurinalysis</li> <li>Standard Plus Non-Smoker: No more than 24 cigars per year, no nicotine in past year, and no nicotine in microurinalysis</li> </ul> </div> <div class="accordion-tab ">Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Strong financial strength ratings can give you confidence that John Hancock will be able to pay claims many decades from now.</li> <li>Policy illustrations can generally be trusted to be accurate.</li> </ul> </div> <div class="list-points cons"> <ul> <li>Some policies may not build cash value very quickly in the early years, so if that’s important to you be sure to check the policy illustration before you buy.</li> <li>Internal policy charges are often higher than competitors, which can mean slower cash value growth and/or higher premiums.</li> </ul> </div> </div> </div> <div class="accordion-tab ">More Details </div> <div class="c-tab--content list-points"> <p><strong>Types of Life Insurance Sold</strong></p> <ul> <li>Mostly indexed universal life</li> <li>Fixed-rate universal life</li> <li>Variable universal life</li> <li>A little term life</li> </ul> <p><strong>Life Insurance Riders Available</strong></p> <ul> <li>Disability Rider</li> <li>Early/Enhanced Cash Value Rider</li> <li>Estate Protection Rider</li> <li>Lapse Protection Rider</li> <li>Long Term Care Rider</li> <li>Option to Split/Change/Convert Rider</li> <li>Overloan Protection Rider</li> <li>Return of Premium Rider</li> <li>Terminal Illness Accelerated Death Benefit Rider</li> <li>Waiver of Premium Rider</li> </ul> <p><em>Availability of riders could depend on the type of policy.</em></p> <p><strong>Website Readability</strong></p> <p>Forbes Advisor asked VisibleThread to analyze the website of John Hancock and found that:</p> <ul> <li>John Hancock’s website had a readability score of 30 out of 100. (A score of at least 50 is preferred.)</li> <li>The John Hancock website is written at a 10th grade reading level, making it fairly difficult to read for the typical customer.</li> <li>The site has a high portion of sentences (15%) with passive voice and a very high (25%) number of long sentences with more than 25 words. It was also one of the worst in the analysis for complex sentences and phrases. Together, these measurements mean it could be very difficult to understand what the company has to offer.</li> </ul> <p><strong>John Hancock Quick Facts</strong></p> <ul> <li>Year established: 1862</li> <li>Headquarters: Boston</li> <li>Assets: $302 billion</li> <li>How to buy: John Hancock life insurance is mainly sold through independent brokers.</li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> <div id="summary_best_life_insurance_companies_section" class="article-section "> <h2>Summary: Best Life Insurance Companies</h2> <div class="section-content wysiwyg-content blue-bullets "> <div id="footable_parent_194085" class="footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table"></p> <table data-ninja_table_instance="ninja_table_instance_0" data-footable_id="194085" data-filter-delay="1000" aria-label="Summary: Best Life Insurance Companies 2022" id="footable_194085" data-unique_identifier="ninja_table_unique_id_503492457_194085" class=" foo-table ninja_footable foo_table_194085 ninja_table_unique_id_503492457_194085 ui table nt_type_legacy_table compact vertical_centered ninja_custom_color inverted footable-paging-right hide_all_borders ninja_table_search_disabled ninja_table_pro"></p> <colgroup> <col class="ninja_column_0 "> <col class="ninja_column_1 "> </colgroup> <thead> <tr class="footable-header"> <th scope="col" class="ninja_column_0 ninja_clmn_nm_company ">Company</th> <th scope="col" class="ninja_column_1 ninja_clmn_nm_forbesadvisorrating ">Forbes Advisor Ratings</th> </tr> </thead> <tbody> <tr data-row_id="37413" class="ninja_table_row_0 nt_row_id_37413"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff;"><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/lincoln-financial-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff;">Lincoln Financial</a></span></td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" alt="" width="201" height="30" class="size-full wp-image-104003"/></td> </tr> <tr data-row_id="37417" class="ninja_table_row_1 nt_row_id_37417"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff;"><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/mutual-of-omaha-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff;">Mutual of Omaha</a></span></td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" alt="" width="201" height="30" class="size-full wp-image-104003"/></td> </tr> <tr data-row_id="37412" class="ninja_table_row_2 nt_row_id_37412"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff;"><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/pacific-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff;">Pacific Life</a></span></td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" alt="" width="201" height="30" class="size-full wp-image-104003"/></td> </tr> <tr data-row_id="37414" class="ninja_table_row_3 nt_row_id_37414"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff;"><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/protective-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff;">Protective</a></span></td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" alt="" width="201" height="30" class="size-full wp-image-104003"/></td> </tr> <tr data-row_id="37415" class="ninja_table_row_4 nt_row_id_37415"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff;"><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/prudential-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff;">Prudential</a></span></td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/5-removebg-preview.png" alt="" width="201" height="30" class="size-full wp-image-104003"/></td> </tr> <tr data-row_id="37418" class="ninja_table_row_5 nt_row_id_37418"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff;"><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/american-general-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff;">American General</a></span></td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/04/4.5-removebg-preview-1.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/04/4.5-removebg-preview-1.png" alt="" width="205" height="30" class="size-full wp-image-95745"/></td> </tr> <tr data-row_id="37419" class="ninja_table_row_6 nt_row_id_37419"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff;"><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/axa-equitable-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff;">AXA Equitable</a></span></td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/04/4.5-removebg-preview-1.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/04/4.5-removebg-preview-1.png" alt="" width="205" height="30" class="size-full wp-image-95745"/></td> </tr> <tr data-row_id="37420" class="ninja_table_row_7 nt_row_id_37420"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff;"><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/nationwide-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff;">Nationwide</a></span></td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/04/4.5-removebg-preview-1.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/04/4.5-removebg-preview-1.png" alt="" width="205" height="30" class="size-full wp-image-95745"/></td> </tr> <tr data-row_id="37422" class="ninja_table_row_8 nt_row_id_37422"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff"><a href="forbes.com/advisor/life-insurance/northwestern-mutual-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff">Northwestern Mutual</a></span></td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/4-removebg-preview-e1625128326713.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/4-removebg-preview-e1625128326713.png" alt="" width="205" height="30" class="size-full wp-image-107601"/></td> </tr> <tr data-row_id="37423" class="ninja_table_row_9 nt_row_id_37423"> <td> <style> { font-family: 'Work Sans';font-size: 14px;color:'blue'; } </style> <p><span style="color: #0000ff"><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/penn-mutual-life-insurance-review/" target="_blank" rel="noopener" style="color: #0000ff">Penn Mutual</a></span> </td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/4-removebg-preview-e1625128326713.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/4-removebg-preview-e1625128326713.png" alt="" width="205" height="30" class="size-full wp-image-107601"/></td> </tr> <tr data-row_id="37424" class="ninja_table_row_10 nt_row_id_37424"> <td> <style> { font-family: 'Work Sans';font-size: 14px; } </style> <p>Transamerica</td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/4-removebg-preview-e1625128326713.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/4-removebg-preview-e1625128326713.png" alt="" width="205" height="30" class="size-full wp-image-107601"/></td> </tr> <tr data-row_id="37425" class="ninja_table_row_11 nt_row_id_37425"> <td> <style> { font-family: 'Work Sans';font-size: 14px; } </style> <p>John Hancock</td> <td><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/3.5-removebg-preview-1.png" loading="lazy" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/3.5-removebg-preview-1.png" alt="" width="205" height="30" class="size-full wp-image-107598"/></td> </tr> </tbody> <p> </table> <style id="ninja_table_custom_css_194085" type="text/css"> #footable_194085 { font-family: inherit; 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Essentially, in exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death.</p> <p>Your beneficiaries can use the money for whatever purpose they choose. Often this includes paying everyday bills, paying a mortgage or putting a child through college. Having the safety net of life insurance can ensure that your family can stay in their home and pay for the things that you planned for.</p> <p>There are two primary types of life insurance: term and permanent life. Permanent life insurance such as <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-whole-life-insurance/">whole life insurance</a> or universal life insurance can provide lifetime coverage, while <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-term-life-insurance-companies/">term life insurance</a> provides protection for a certain period.</p> </div> </div> <hr/> <div id="how_to_find_the_best_life_insurance_policy_for_you_section" class="article-section "> <h2>How to Find the Best Life Insurance Policy For You</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>With the wide variety of life insurance policies available, pinpointing the right one can be a challenge for any buyer. Don’t go it alone when trying to find the best life insurance policy. Financial advisors and experienced life insurance agents have the background to help you make the right decision based on your financial goals and budget.</p> <h3>Look at financial strength ratings.</h3> <p>A strong financial strength rating is more than just peace of mind that the company won’t go out of business decades from now. Insurers with greater financial strength can be less likely to need to increase internal policy costs and premiums in response to challenging financial times.</p> <p>Ratings are available from agencies such as Standard & Poor’s and <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/am-best-ratings/">AM Best</a>, and are usually found on insurers’ websites.</p> <h3>Select life insurance as part of a larger financial plan.</h3> <p>A financial advisor can explain the best life insurance options in the context of your larger personal financial goals.</p> <h3>Don’t assume insurers offer competitive pricing for everyone.</h3> <p>Life insurance companies want your business, but they all operate from their own playbooks. Premiums can vary wildly and, for cash value policies, cash value growth can be very different among companies and policies.</p> <p>Be aware that a life insurance quote for a cash value policy may not reflect what you’ll actually end up paying over the years to keep the policy in force.</p> <p>“Current regulations in some states and for some products permit insurers to ‘quote’ a low premium while charging high costs—without disclosing that you may need to pay additional premiums later in order to avoid a lapse,” warns Barry Flagg, founder of Veralytic.</p> <h3>Insist that cost disclosures for universal life insurance be included in any proposals.</h3> <p>A life insurance quote reflects what you’ll be billed for, but it doesn’t tell you anything about a policy’s internal costs, such as expenses and fees, and the actual cost of insurance that’s charged within the policy.</p> <p>Be sure to insist that any universal life insurance illustration include the detailed expense pages or policy accounting pages. Products with a low premium quote could have higher internal costs, which can slow your cash value growth.</p> <h3>Figure out if you want life insurance riders</h3> <p>Life insurance companies generally let you add extra coverage to your policy through <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/riders/">life insurance riders</a>. These riders can include benefits you can use while you’re alive, such as <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/accelerated-death-benefits/">accelerated death benefits</a>, <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/long-term-care-hybrid/">long-term care</a>, <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/convert-term-life-to-permanent-life-insurance/">term life conversion</a> and waiver of premium if you become disabled.</p> <p>Adding a rider may increase the cost of life insurance. If you’re interested in expanding coverage through a life insurance rider, ask your life insurance agent to explain the options.</p> </div> </div> <hr/> <div id="types_of_life_insurance_section" class="article-section "> <h2>Types of Life Insurance</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>There are two primary types of life insurance: term life and permanent life.</p> <h3>Term Life Insurance</h3> <p><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-term-life-insurance-companies/" target="_blank" rel="noopener">Term life insurance</a> is a policy where you choose the length of coverage, such as 10, 15, 20 or 30 years. If you die within that term, your beneficiary will receive the death benefit. If you outlive the term and don’t renew the policy (at a higher cost), there is no death benefit.</p> <p>Term life insurance is good for folks who want to cover a specific financial concern, such as income replacement during your working years.</p> <h3>Permanent Life Insurance</h3> <p><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/permanent/" target="_blank" rel="noopener">Permanent life insurance</a> is good for folks who want a death benefit paid out no matter when they pass away. Permanent life insurance policies also have a cash value component that can accumulate money on a tax-deferred basis. Permanent life insurance is usually significantly more expensive than term life.</p> <p>People who choose permanent life insurance usually have specific goals in mind, such as supporting financial dependents, funding a trust for heirs, or building cash value to supplement retirement savings.</p> <p>Permanent life insurance can be broken down into main subtypes:</p> <h4>Whole life insurance</h4> <p><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-whole-life-insurance/" target="_blank" rel="noopener">Whole life insurance</a> is predictable because the premiums, rate of cash value growth and amount of the death benefit are fixed and guaranteed.</p> <h4>Universal life insurance</h4> <p>This type offers more flexibility and you may be able to adjust premium payments and death benefits within certain parameters. The cash value growth will depend on the insurer and the performance of the invested assets that are underlying the policy. Types of <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/universal-life-insurance/" target="_blank" rel="noopener">universal life insurance</a> are fixed-rate universal, guaranteed universal, indexed universal or variable universal.</p> <p>Permanent life insurance policies can be difficult to understand from quotes or hypothetical illustrations. Simply comparing life insurance quotes or some projection of cash values won’t reveal whether the policy is a good value. “Look under the hood,” advises Flagg of Veralytic. For example, a life insurance agent or financial advisor can request a Veralytic report to see how the policy you’re considering compares to industry benchmarks.</p> <p>“Ultimately, the premium you’ll have to pay and/or the cash value growth you’ll see depends on what the insurer actually charges and how well the investments do. You want to confirm that internal policy costs are competitive and that the investments within the policy fit your risk tolerance,” cautions Flagg.</p> <h4>Variable life insurance</h4> <p><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/variable-life-insurance/" target="_blank" rel="noopener">Variable life insurance</a> offers flexibility not found in whole life insurance, but with a safety net so your death benefit can’t drop below a certain amount.</p> <p>That flexibility includes deciding on where to invest your cash value. The investments you choose play a vital role in the success of your policy, which makes this an option if you want to play an active role in your life insurance. Unlike a variable universal policy, a variable life insurance policy offers a safety net so that your death benefit won’t fall under a specific dollar figure.</p> <p>A variable life insurance policy doesn’t let you change your premiums, which also makes it unlike variable universal life.</p> <p>Similar to other types of permanent life insurance, a variable life policy offers cash value, which you can tap into while you’re alive. You need to make sure your policy maintains at least a minimal level of cash value or your policy could lapse.</p> <h3>No-Exam Life Insurance</h3> <p>Life insurance companies sometimes offer policies without a life insurance medical exam. These <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-no-exam-life-insurance/" target="_blank" rel="noopener">no-exam life insurance</a> policies don’t require an exam but you may be asked to answer health-related questions.</p> <p>Types of life insurance policies include:</p> <ul> <li><strong>Accelerated underwriting:</strong> Life insurance companies primarily use information from third-party sources and algorithms to set your rate. The insurance company will review your prescription drug history, criminal record and driving record to gauge your risk. With that information, the insurance company will set your life insurance rates.</li> <li><strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/guaranteed-life-insurance/" target="_blank" rel="noopener">Guaranteed issue life insurance</a>:</strong> There’s no medical exam, no health questions asked and you can’t be turned down.</li> <li><strong><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/simplified-issue/" target="_blank" rel="noopener">Simplified issue life insurance</a>:</strong> There’s no medical exam, but you likely have to answer a handful of health questions.</li> </ul> <p>Guaranteed issue and simplified issue policies can cost much more than policies that are fully underwritten, but they’re a way to get life insurance quickly and may be the only option for older people and those with health issues.</p> <h3>Other Types of Life Insurance</h3> <p>Other <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/types/" target="_blank" rel="noopener">types of life insurance</a> include:</p> <ul> <li><strong>Burial insurance:</strong> Also called funeral insurance or final expense insurance, a <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/burial-insurance/" target="_blank" rel="noopener">burial insurance</a> policy typically has a small death benefit meant to pay off final expenses, such as $10,000. They are typically whole life insurance policies and will have a high cost for the amount of coverage.</li> <li><strong>Survivorship life insurance:</strong> A <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/survivorship-life-insurance/" target="_blank" rel="noopener">survivorship life insurance</a> policy, also called second-to-die life insurance, offers coverage for a husband and wife. The death benefit isn’t paid out until both people die.</li> <li><strong>Mortgage life insurance:</strong> A <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/mortgage-life-insurance/" target="_blank" rel="noopener">mortgage life insurance</a> policy pays off your mortgage if the policyholder dies. The payment goes directly to the mortgage lender.</li> </ul> <p>Supplemental life insurance: <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/supplemental/" target="_blank" rel="noopener">Supplemental life insurance</a> is a free or low-cost group policy that may be offered by an employer or group. If a supplemental policy is connected to an employer, you will likely lose that coverage if you quit or are terminated.</p> </div> </div> <hr/> <div id="how_much_does_a_life_insurance_policy_cost_section" class="article-section "> <h2>How Much Does a Life Insurance Policy Cost?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>The average cost for a 10-year, $250,000 term life insurance policy for a 40-year-old man is $192 a year. That’s compared to $276 a year for a $500,000 policy and $420 for a $1 million policy.</p> <p>The average cost for a 10-year, $250,000 term life policy for a 40-year-old woman is $168 a year. That’s compared to $264 a year for a $500,000 policy and $336 for a $1 million policy.</p> <p>Permanent life insurance policies cost more for the same amount of coverage as term life insurance.</p> <p>The <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/average-life-insurance-rates/" target="_blank" rel="noopener">cost of life insurance</a> varies by the company and your age, health, gender, type of coverage, length of coverage, amount of coverage and other factors.</p> </div> </div> <hr/> <div id="what_does_life_insurance_cover_section" class="article-section "> <h2>What Does Life Insurance Cover?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Life insurance covers death from illness, accidents and simply old age. This includes deaths from diseases, falls, car accidents and Covid. Deaths from accidental drug overdoses are covered.</p> <p>A narrow type of life insurance called accidental death and dismemberment covers only deaths that are accidental, such as an accidental fall or car crash. It does not cover deaths by illness, disease or old age.</p> </div> </div> <hr/> <div id="what_does_life_insurance_exclude_section" class="article-section "> <h2>What Does Life Insurance Exclude?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Life insurance policies generally exclude only suicide within the first two years of owning the policy. This “suicide clause,” as it’s called, is a standard part of life insurance contracts. Apart from that, you can count on a life insurance policy to provide a payout no matter the cause of death.</p> <p>There are cases where a payout could be jeopardized for reasons unrelated to the cause of death. For example, if the policyholder quit paying for the life insurance and the policy lapsed, there is no payout. However, if the policyholder only recently quit paying because of an illness—such as a hospitalization that prevented payments—beneficiaries might be able to reinstate the policy by paying the premiums due.</p> <p>Life insurers could also deny a payout if they find that the applicant misrepresented something on the application, such as a health issue.</p> </div> </div> <hr/> <div id="do_i_need_life_insurance_section" class="article-section "> <h2>Do I Need Life Insurance?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>If someone depends on you financially—either now or after your death—you may need life insurance. For example:</p> <ul> <li>Many people buy life insurance so it can act as income replacement for their families if they die unexpectedly.</li> <li>Some people provide financial support after their death by funding a trust with life insurance. For example, if you have a child with special needs, a trust can be used to provide for them.</li> </ul> <p>Other common reasons people buy life insurance are:</p> <ul> <li>To provide funds for their own funeral.</li> <li>To provide money for their families to pay off a mortgage or other debts.</li> <li>To ensure that children have money for college tuition in case a parent passes away.</li> <li>To create supplemental income during retirement years with a cash value policy.</li> <li>To provide money to pay estate taxes to beneficiaries who are inheriting very large taxable estates.</li> </ul> </div> </div> <hr/> <div id="how_much_life_insurance_do_you_need_section" class="article-section "> <h2>How Much Life Insurance Do You Need? </h2> <div class="section-content wysiwyg-content blue-bullets "> <p>You can calculate <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/how-much-life-insurance-do-you-really-need/" target="_blank" rel="noopener">how much life insurance you need</a> with a basic equation:</p> <p>[Financial obligations you want to cover] －[existing assets that can be used toward bills] = Your life insurance need</p> <p>Examples of “financial obligations you want to cover” might include income replacement, mortgage payments, college tuition and other large debts.</p> <p>Examples of “existing assets that can be used toward bills” might include your retirement savings and other types of savings (such as a 529 college savings account), and existing life insurance.</p> <style>@font-face { font-family: "EuclidCircularB"; font-weight: 400; font-display: swap; src: url(https://web.archive.org/web/20220820020415im_/https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-regular-webfont.woff2) format("woff2"), url(https://web.archive.org/web/20220820020415im_/https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-regular-webfont.woff) format("woff"); } @font-face { font-family: "EuclidCircularB"; font-weight: 700; font-display: swap; src: url(https://web.archive.org/web/20220820020415im_/https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-bold-webfont.woff2) format("woff2"), url(https://web.archive.org/web/20220820020415im_/https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-bold-webfont.woff) format("woff"); } </style> <section class="exclude-eds" id="life-inc-calculator" style="display: none;"> <div class="life-inc-calc life-inc-screen-1" data-screen="1"> <div class="life-inc-calc__head"> <div> <h2 class="life-inc-calc__head-q1-title">How much life insurance do you need?</h2> <p class="life-inc-calc__head-q1-text">Answer simple questions in our 3 step process</p> </div> <div class="life-inc-calc__img"><img src="https://web.archive.org/web/20220820020415im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/life-insurance.png" alt="Life Insurance"></div> </div> <div class="life-inc-calc__body"> <div class="life-inc-calc__counter"> <div class="life-inc-calc__counter-single active"><span class="lic-count">1</span></div> <div class="stepper-line"></div> <div class="life-inc-calc__counter-single"><span class="lic-count">2</span></div> <div class="stepper-line"></div> <div class="life-inc-calc__counter-single"><span class="lic-count">3</span></div> </div> <div class="life-inc-calc__questions"> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How much annual income would your dependents need?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Add up regular expenses such as utilities, food and clothing. Also add in the cost of replacing services that you provide to your family, such as child care."></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="annual_income" id="annual_income" aria-label="How much annual income would your dependents need?"></div> </div> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How long would your dependents need financial support? </span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Use the number of years your family would need extra financial support if you were gone."></span></p> <div class="inc-answer inc-fin-rep"><input type="tel" class="form-control" maxlength="3" value="0" name="dependent_years" id="dependent_years" aria-label="How long would your dependents need financial support?"></div> </div> <div class="life-inc-calc__questions-button next-button" role="button"><span>Next</span><svg xmlns="http://www.w3.org/2000/svg" height="24" viewbox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none"/><path d="M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z"/></svg></div> </div> </div> </div> <div class="life-inc-calc life-inc-inner life-inc-screen-2 life-inc-inner-cards__body hidden" data-screen="2"> <p class="life-inc-inner__stepper"><svg class="back-button" xmlns="http://www.w3.org/2000/svg" height="24" viewbox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none"/><path d="M20 11H7.83l5.59-5.59L12 4l-8 8 8 8 1.41-1.41L7.83 13H20v-2z"/></svg><span>2</span>/<span>3</span></p> <h2 class="life-inc-inner__heading">Let's calculate your life insurance need</h2> <div class="life-inc-calc__counter"> <div class="life-inc-calc__counter-single active"><span class="lic-count"><svg class="ins-check" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M5.00678 11.8232L4.83063 11.6471L4.65385 11.8226L3.23385 13.2326L3.05582 13.4094L3.23323 13.5868L8.82323 19.1768L9 19.3535L9.17678 19.1768L21.1768 7.17677L21.3536 7L21.1768 6.82322L19.7668 5.41322L19.5901 5.23653L19.4133 5.41314L9.00009 15.8165L5.00678 11.8232Z" stroke="white" stroke-width="0.5"/></svg></span></div> <div class="stepper-line active"></div> <div class="life-inc-calc__counter-single active"><span class="lic-count">2</span></div> <div class="stepper-line"></div> <div class="life-inc-calc__counter-single"><span class="lic-count">3</span></div> </div> <div class="life-inc-calc__questions"> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How much debt do you need to pay off?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Consider expenses like a mortgage, car payments, credit card debt and outstanding loans."></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="debt_payoff" id="debt_payoff" aria-label="How much debt do you need to pay off?"></div> </div> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>If you want to help with the cost of college tuition, how much would you like to cover?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="To help guide you, here are the average published costs for tuition, fees, and room and board for 2019-2020, according to the College Board: <ul> <li>Public, 2-year in-district: $12,720/year</li> <li>Public, 4-year in-state: $21,950/year</li> <li>Public, 4-year out-of-state: $38.330/year</li> <li>Private, 4-year: $49,870</li> </ul> <p>"></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="children_education" id="children_education" aria-label="If you want to help with the cost of college tuition, how much would you like to cover?"></div> </div> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How much do you want to add for burial expenses?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="According to the National Funeral Directors Association, the median cost of a funeral (with viewing and burial) is $7,640."></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="funeral_expenses" id="funeral_expenses" aria-label="How much do you want to add for burial expenses?"></div> </div> <div class="life-inc-calc__footer"><svg class="back-button" xmlns="http://www.w3.org/2000/svg" height="24" viewbox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none"/><path d="M20 11H7.83l5.59-5.59L12 4l-8 8 8 8 1.41-1.41L7.83 13H20v-2z"/></svg></p> <div class="life-inc-calc__questions-button next-button" role="button"><span>Next</span><svg xmlns="http://www.w3.org/2000/svg" height="24" viewbox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none"/><path d="M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z"/></svg></div> </div> </div> </div> <div class="life-inc-calc life-inc-inner life-inc-screen-3 life-inc-inner-cards__body hidden" data-screen="3"> <p class="life-inc-inner__stepper"><svg class="back-button" xmlns="http://www.w3.org/2000/svg" height="24" viewbox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none"/><path d="M20 11H7.83l5.59-5.59L12 4l-8 8 8 8 1.41-1.41L7.83 13H20v-2z"/></svg><span>3</span>/<span>3</span></p> <h2 class="life-inc-inner__heading">Let's calculate your life insurance need</h2> <div class="life-inc-calc__counter"> <div class="life-inc-calc__counter-single active"><span class="lic-count"><svg class="ins-check" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M5.00678 11.8232L4.83063 11.6471L4.65385 11.8226L3.23385 13.2326L3.05582 13.4094L3.23323 13.5868L8.82323 19.1768L9 19.3535L9.17678 19.1768L21.1768 7.17677L21.3536 7L21.1768 6.82322L19.7668 5.41322L19.5901 5.23653L19.4133 5.41314L9.00009 15.8165L5.00678 11.8232Z" stroke="white" stroke-width="0.5"/></svg></span></div> <div class="stepper-line active"></div> <div class="life-inc-calc__counter-single active"><span class="lic-count"><svg class="ins-check" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M5.00678 11.8232L4.83063 11.6471L4.65385 11.8226L3.23385 13.2326L3.05582 13.4094L3.23323 13.5868L8.82323 19.1768L9 19.3535L9.17678 19.1768L21.1768 7.17677L21.3536 7L21.1768 6.82322L19.7668 5.41322L19.5901 5.23653L19.4133 5.41314L9.00009 15.8165L5.00678 11.8232Z" stroke="white" stroke-width="0.5"/></svg></span></div> <div class="stepper-line active"></div> <div class="life-inc-calc__counter-single active"><span class="lic-count">3</span></div> </div> <div class="life-inc-calc__questions"> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How much savings do you have?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Also include all investments in stocks, mutual funds, etc., that the family would want to liquidate in order to pay bills."></span></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="total_savings" id="total_savings" aria-label="How much savings do you have?"></div> </div> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>If you already have life insurance, enter the total coverage amount</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Use your individual and workplace life insurance. Leave out your spouse’s life insurance."></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="coverage_amount" id="coverage_amount" aria-label="If you already have life insurance, enter the total coverage amount"></div> </div> <div class="life-inc-calc__footer"><svg class="back-button" xmlns="http://www.w3.org/2000/svg" height="24" viewbox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none"/><path d="M20 11H7.83l5.59-5.59L12 4l-8 8 8 8 1.41-1.41L7.83 13H20v-2z"/></svg></p> <div class="life-inc-calc__questions-button next-button get-result-btn" role="button"><span>Get Results</span><svg xmlns="http://www.w3.org/2000/svg" height="24" viewbox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none"/><path d="M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z"/></svg></div> </div> </div> </div> <div class="life-inc-calc life-inc-inner life-inc-screen-4 life-inc-inner-cards__body hidden" data-screen="4"> <div class="life-inc-screen-4__header"> <h2 class="life-inc-screen-4__header-title">Amount of life insurance needed </h2> <h2 class="life-inc-screen-4__header-result">1,406,600 </h2> </div> <div class="life-inc-screen-4__details"> <h3 class="life-inc-screen-4__details-heading">Details that you have entered</h3> <div class="life-inc-screen-4__details-questions"> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How much annual income would your dependents need?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-annual-income">30,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How much debt do you need to pay off?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-pending-debt">160,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How long would your dependents need financial support?</p> <p class="life-inc-screen-4__details-question-answer lic-year preresult-nos-years">16 <span>years</span></p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">If you want to help with the cost of college tuition, how much would you like to cover?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-childrens-education">160,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How much do you want to add for burial expenses?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-burial-expense">160,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How much savings do you have?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-savings-amt">160,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">Enter total coverage amount of existing life insurance</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-coverage-amt">160,000</p> </div> </div> <h2 class="life-inc-screen-4__more life-inc-txt">Now that you have an estimate of your life insurance need, you can start comparing quotes </h2> <h2 class="life-inc-screen-4__more no-life-inc-txt">Your savings and/or current life insurance total more than your needs. In this case, you may not need life insurance. If you want to exclude your savings or life insurance from the assets your family could spend, please lower the amounts input. </h2> <div class="life-inc-screen-4__quote-wrapper"><a href="https://web.archive.org/web/20220820020415/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&aff_sub=Forbes_TID_value&source=https://www.forbes.com/advisor/life-insurance/how-much-life-insurance-do-you-really-need/" class="life-inc-screen-4__quote get-quote-block">Get Quotes</a></p> <p class="life-inc-screen-4__below-cta-text">Via Policygenius's Secure Website</p> </div> <div class="life-inc-screen-4__recalculate-wrapper"> <p class="life-inc-screen-4__recalculate"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 24 24"><path d="M0 0h24v24H0z" fill="none"/><path d="M17.65 6.35C16.2 4.9 14.21 4 12 4c-4.42 0-7.99 3.58-7.99 8s3.57 8 7.99 8c3.73 0 6.84-2.55 7.73-6h-2.08c-.82 2.33-3.04 4-5.65 4-3.31 0-6-2.69-6-6s2.69-6 6-6c1.66 0 3.14.69 4.22 1.78L13 11h7V4l-2.35 2.35z"/></svg>Recalculate </p> </div> </div> </div> </section> </div> </div> <hr/> <div id="is_life_insurance_worth_it_section" class="article-section "> <h2>Is Life Insurance Worth It?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Life insurance is worth it when you need to protect the financial future of your family or business in case you pass away unexpectedly. For high net worth individuals, life insurance can provide your family with a tax-free death benefit that they can use to pay estate taxes.</p> <p>Cash value life insurance also offers certain tax benefits for individuals who are in high tax brackets and who want to put some retirement savings into investments that can have high returns:</p> <ul> <li>Cash value growth within a policy is tax-deferred and the policyholder can withdraw money tax-free (up to the amount they’ve paid in premiums).</li> <li>Another advantage is that you can take a policy loan from your cash value that’s also tax-free (as long as the policy remains in-force).</li> </ul> <p><strong>Life insurance may not be worth it for you if:</strong></p> <ul> <li>No one would suffer financially upon your death.</li> <li>Your heirs won’t need money to pay estate taxes.</li> <li>You don’t want to use life insurance as an additional retirement savings vehicle because you’re in a low tax bracket or you want only conservative retirement investments.</li> </ul> <p>Many people overestimate the cost of life insurance. Before you assume you can’t afford it, collect <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/life-insurance-quotes/" target="_blank" rel="noopener">life insurance quotes</a>.</p> <p>If you’re buying cash value life insurance, know that a life insurance quote may not tell the full story of how much the policy will actually cost you. Current regulations in most states for many types of policies allow agents and brokers to quote low premiums based on optimistic policy projections—even though the policy may have high internal charges and the investment projections might not pan out. If this happens, you could be on the hook for additional premiums or face a lapse of your policy.</p> </div> </div> <hr/> <div id="life_insurance_sales_are_surging_section" class="article-section "> <h2>Life Insurance Sales Are Surging</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Sales of new life insurance surged last year, with new premiums growing 18% in the third quarter in 2021. This marked the third consecutive quarter of double-digit growth, according to LIMRA, an industry-funded research group.</p> <p>Those first quarters of 2021 also showed the biggest nine-month growth in 25 years. LIMRA says that all types of policies saw sales growth during this time, including term life, whole life and universal life insurance.</p> </div> </div> <hr/> <div id="covid_prompts_plans_to_buy_life_insurance_section" class="article-section "> <h2>Covid Prompts Plans to Buy Life Insurance</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Covid has been a major force behind life insurance sales increases, as more Americans look for ways to gain better financial security for their families.</p> <p>More than one-third of Americans plan to purchase life insurance soon, spurred largely by the pandemic, but many potential buyers mistakenly believe the cost of a policy is out of reach, according to a survey conducted in January 2021 by LIMRA and Life Happens, an industry-funded nonprofit that educates consumers about insurance.</p> <p>The online survey found that 36% of Americans planned to buy life insurance last year. That’s the highest percentage of potential buyers in the history of the survey, which was first fielded in 2011.</p> <p>By age group, millennials expressed the most interest in purchasing life insurance (45%). Thirty-one percent of the adults in Generation X and 15% of baby boomers said they plan to buy life insurance in the next 12 months, according to the survey.</p> <p>While millennials appear to be eager to buy life insurance, they vastly overestimate the cost, the survey indicates. Forty-four percent of millennials estimated the cost of a 20-year term life insurance policy for a healthy 30-year-old would exceed $1,000 a year, yet it’s actually about $165 a year. Overall, more than half of Americans overestimated the cost of life insurance, the research shows.</p> </div> </div> <hr/> <div id="lacking_sufficient_life_insurance_section" class="article-section "> <h2>Lacking Sufficient Life Insurance</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>“Having adequate life insurance coverage is the foundation for a secure financial future,” David Levenson, president and CEO of LIMRA, said in a news release about the survey.</p> <p>LIMRA and Life Happens say 102 million Americans reported lacking sufficient life insurance coverage or having no coverage at all, representing 40% of adults in the U.S. In the survey, 59% of Americans said they need life insurance (73 million) and 22% of insured Americans (29 million) said they need more life insurance. A little over half of Americans are covered by life insurance.</p> <p>What’s preventing Americans from adding new coverage or beefing up existing coverage? Here are three of the reasons:</p> <ul> <li>Fewer than one-third of consumers are “very” or “extremely” knowledgeable about life insurance.</li> <li>53% are unsure what type of life insurance to buy or how much to buy.</li> <li>36% believe they wouldn’t qualify for coverage.</li> </ul> <p>LIMRA and Life Happens say some families rely too much on employer-sponsored life insurance through the workplace. Federal data cited by the organizations shows the median amount of coverage offered in the workplace is either a flat sum of $20,000 or one year’s salary. Yet 35% of men and 22% of women questioned in their survey said their workplace coverage was adequate.</p> <p>“Covid-19 has raised awareness about the important role life insurance plays in families’ financial security. Our research shows 42% of Americans would face financial hardship within six months if the primary wage earner were to die unexpectedly,” said Levenson at LIMRA.</p> </div> </div> <hr/> <div id="consumer_satisfaction_with_life_insurance_is_up_section" class="article-section "> <h2>Consumer Satisfaction With Life Insurance Is Up</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Along with sales, consumer satisfaction with life insurance is up, which is a notable turnaround from past years. “Life insurance ownership has been declining for the past 30 years and overall customer satisfaction with life insurance has historically deteriorated consistently from the moment it is purchased,” said Robert Lajdziak at J.D. Power in a statement. “That’s all starting to change.”</p> <p>J.D. Power’s 2021 U.S. Individual Life Insurance Study found satisfaction with life insurance providers at 776 on a 1,000-point scale, up 13 points from 2020.</p> <p>Having a helpful life insurance agent is one component to customer satisfaction. But as consumer shopping shifts to online, the quality of insurer websites is increasingly important. J.D. Power says that 40% of life insurance customers use their insurer’s website for everything from researching policy options to looking at their account and making payments. Overall customer satisfaction with life insurer websites climbed 24 points last year to 844 out of 1,000 points.</p> </div> </div> <hr/> <div id="people_make_more_wills_because_of_covid_section" class="article-section "> <h2>People Make More Wills Because of Covid</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Life insurance and wills often go hand-in-hand in financial planning. Yet they serve distinctly separate purposes. For example, a will cannot dictate who gets a life insurance payout. A life insurance company is contractually obligated to pay the death benefit to the beneficiaries listed on the policy, no matter what a will says. However, if all beneficiaries listed on a life insurance policy are already deceased, the life insurance payout will go into the insured person’s estate.</p> <p>It’s important to keep life insurance beneficiaries and wills up to date, so that your wishes can be properly carried out. Forbes Advisor surveyed Americans to find out whether they have made wills, and why.</p> <p>Overall, less than half of adults say they have a will. But a large portion of those who do (64%) say that Covid prompted them to make wills.</p> <h3>Do you have a will?</h3> <div id="footable_parent_232744" class="footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table"></p> <table data-ninja_table_instance="ninja_table_instance_1" data-footable_id="232744" data-filter-delay="1000" aria-label="UPDATE: Best Life Insurance Companies 2022 (1)" id="footable_232744" data-unique_identifier="ninja_table_unique_id_1627135474_232744" class=" foo-table ninja_footable foo_table_232744 ninja_table_unique_id_1627135474_232744 ui table nt_type_legacy_table compact vertical_centered ninja_custom_color inverted footable-paging-right hide_all_borders ninja_table_search_disabled ninja_table_pro"></p> <colgroup> <col class="ninja_column_0 "> <col class="ninja_column_1 "> <col class="ninja_column_2 "> <col class="ninja_column_3 "> </colgroup> <thead> <tr class="footable-header"> <th scope="col" class="ninja_column_0 ninja_clmn_nm_ninja_column_1 "></th> <th scope="col" class="ninja_column_1 ninja_clmn_nm_overall ">Overall</th> <th scope="col" class="ninja_column_2 ninja_clmn_nm_male ">Male</th> <th scope="col" class="ninja_column_3 ninja_clmn_nm_female ">Female</th> </tr> </thead> <tbody> <tr data-row_id="46164" class="ninja_table_row_0 nt_row_id_46164"> <td>Yes</td> <td>47%</td> <td>59%</td> <td>39%</td> </tr> <tr data-row_id="46165" class="ninja_table_row_1 nt_row_id_46165"> <td>No</td> <td>40%</td> <td>33%</td> <td>46%</td> </tr> <tr data-row_id="46166" class="ninja_table_row_2 nt_row_id_46166"> <td>Prefer not say</td> <td>13%</td> <td>8%</td> <td>15%</td> </tr> </tbody> <p> </table> <style id="ninja_table_custom_css_194085" type="text/css"> #footable_194085 { font-family: inherit; 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Having assets is also a top reason for getting financial affairs in order with a will.</p> <h3>Which of the following life events would be the most likely to inspire you to make a will?</h3> <div id="footable_parent_232750" class="footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table"></p> <table data-ninja_table_instance="ninja_table_instance_3" data-footable_id="232750" data-filter-delay="1000" aria-label="UPDATE: Best Life Insurance Companies 2022 (3)" id="footable_232750" data-unique_identifier="ninja_table_unique_id_1929360082_232750" class=" foo-table ninja_footable foo_table_232750 ninja_table_unique_id_1929360082_232750 ui table nt_type_legacy_table compact vertical_centered ninja_custom_color inverted footable-paging-right hide_all_borders ninja_table_search_disabled ninja_table_pro"></p> <colgroup> <col class="ninja_column_0 "> <col class="ninja_column_1 "> <col class="ninja_column_2 "> <col class="ninja_column_3 "> </colgroup> <thead> <tr class="footable-header"> <th scope="col" class="ninja_column_0 ninja_clmn_nm_ninja_column_1 "></th> <th scope="col" class="ninja_column_1 ninja_clmn_nm_overall ">Overall</th> <th scope="col" class="ninja_column_2 ninja_clmn_nm_men ">Men</th> <th scope="col" class="ninja_column_3 ninja_clmn_nm_women ">Women</th> </tr> </thead> <tbody> <tr data-row_id="46177" class="ninja_table_row_0 nt_row_id_46177"> <td>Having children</td> <td>22%</td> <td>25%</td> <td>21%</td> </tr> <tr data-row_id="46178" class="ninja_table_row_1 nt_row_id_46178"> <td>Having savings and/or other assets</td> <td>18%</td> <td>23%</td> <td>16%</td> </tr> <tr data-row_id="46179" class="ninja_table_row_2 nt_row_id_46179"> <td>Getting married</td> <td>17%</td> <td>16%</td> <td>17%</td> </tr> <tr data-row_id="46180" class="ninja_table_row_3 nt_row_id_46180"> <td>Becoming ill</td> <td>11%</td> <td>10%</td> <td>12%</td> </tr> <tr data-row_id="46181" class="ninja_table_row_4 nt_row_id_46181"> <td>Buying a house</td> <td>7%</td> <td>9%</td> <td>6%</td> </tr> <tr data-row_id="46182" class="ninja_table_row_5 nt_row_id_46182"> <td>None of the above</td> <td>25%</td> <td>16%</td> <td>29%</td> </tr> </tbody> <p> </table> <style id="ninja_table_custom_css_194085" type="text/css"> #footable_194085 { font-family: inherit; 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border-radius: 8px; margin-bottom: 8px; min-width: 180px; text-align: center; font-size: 16px;}#footable_parent_232750 tbody .company-row img { margin-left: auto; margin-right: auto; margin-bottom: 10px; display: block;}#footable_parent_232750 tbody .company-txt { font-weight: 500; font-size: 18px; line-height: 28px; color: #395BB6;}#footable_parent_232750 tbody .learn-more-below-text { font-size: 12px; line-height: 15px; color: #333333;}#footable_parent_232750 tbody .fb-rating-nt-img img { height: 19px;}#footable_parent_232750 tbody .fb-rating-nt-wrapper h2 { font-size: 32px;}#footable_parent_232750 tbody .ninja_clmn_nm_best_for, #footable_parent_232750 tbody .ninja_clmn_nm_federal_filing_fee, #footable_parent_232750 tbody .ninja_clmn_nm_state_filing_fee { vertical-align: baseline;}#footable_parent_232750 tbody .learn-more-nt-column { text-align: center;}#footable_parent_232750 tbody span:empty { display: none;}#footable_parent_232750 tbody tr:last-child td { border-bottom: 1px solid #A1ACE6;}@media (max-width: 1023px) { #footable_parent_232750 tbody .company-txt, #footable_parent_232750 tbody .ninja_clmn_nm_best_for, #footable_parent_232750 tbody .ninja_clmn_nm_federal_filing_fee, #footable_parent_232750 tbody .ninja_clmn_nm_state_filing_fee { font-weight: 500; font-size: 16px; line-height: 28px; } #footable_parent_232750 tbody .fb-rating-nt-wrapper h2 { font-size: 24px; }}#footable_232750 td.ninja_column_1 { text-align: center; }#footable_232750 th.ninja_column_1 { text-align: center; }#footable_232750 td.ninja_column_2 { text-align: center; }#footable_232750 th.ninja_column_2 { text-align: center; }#footable_232750 td.ninja_column_3 { text-align: center; }#footable_232750 th.ninja_column_3 { text-align: center; }</style> </div> <p><strong>More:</strong> <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/survey-covid-wills-life-insurance/">Why Are Americans Drafting Wills? Nearly Two-Thirds Say Covid Is A Key Motivator</a></p> </div> </div> <hr/> <div id="methodology_section" class="article-section "> <h2>Methodology</h2> <div class="section-content wysiwyg-content blue-bullets "> <h3>Survey methodology</h3> <p>An online survey of 2,000 U.S. adults was commissioned by Forbes Advisor and conducted by market research company OnePoll, in accordance with the Market Research Society’s code of conduct. Data was collected between Feb. 4 and Feb. 7, 2022. The margin of error is +/- 2.2 points with 95% confidence. This survey was overseen by the OnePoll research team, which is a member of the MRS and has corporate membership with the American Association for Public Opinion Research (AAPOR). For a complete survey methodology, including geographic and demographic sample sizes, contact <a href="https://web.archive.org/web/20220820020415/mailto:pr@forberadvisor.com" target="_blank" rel="noopener">pr@forbesadvisor.com</a>.</p> <h3>Ratings methodology</h3> <p>For our Forbes Advisor ratings we analyzed cash value policies using data provided by <a href="https://web.archive.org/web/20220820020415/http://www.veralytic.com/forbesbest2022">Veralytic</a>, an independent publisher of life insurance research and analytics. Veralytic maintains a database of thousands of life insurance products and measures the competitiveness of each product.</p> <p>Factors scored were: financial strength, the reliability of policy illustrations, the historical performance of the company’s investments, access to cash value and cost competitiveness. Weightings used for our overall star ratings were:</p> <ol> <li><strong> Cost competitiveness (30% of score):</strong> This measures the level of premiums and internal policy charges, including the cost of insurance, fixed administration expenses and cash value-based wrap fees.</li> <li><strong> Reliability of policy illustrations (25% of score):</strong> When you could be holding on to a policy for decades and counting on cash value to accumulate, you want to avoid surprises. This factor measures the reliability over time of the company’s illustrations.</li> <li><strong> Access to cash value (10% of score):</strong> This measure evaluates the liquidity of cash value and a policyholder’s access to it. Some policies will build cash value better in the early years, and with other companies you may be waiting several years before you have meaningful cash value within a policy. Generally speaking, the higher the liquidity, particularly in early policy years, the better—but some insurers charge more for greater liquidity, so consider the possible tradeoff.</li> <li><strong> Historical performance (25% of score):</strong> This measures whether the historical performance of the company’s investments that fuel cash value growth are superior to other companies’ comparable products.</li> <li><strong> Financial strength (10% of score):</strong> This measure incorporates the insurer’s financial strength ratings from four major ratings agencies. Financial strength is particularly important when you’re relying on a company to be able to pay claims for many decades.</li> </ol> <p>Data on life insurance riders and products sold was also supplied by Veralytic.</p> <p>Website readability data was supplied by <a href="https://web.archive.org/web/20220820020415/https://www.visiblethread.com/forbes-advisor-report">VisibleThread</a>, a language analysis platform that improves the efficiency, clarity and compliance of mission-critical business writing. VisibleThread analyzes language such as passive voice, jargon, complex words and sentence length. You may only buy life insurance once in your life, so having understandable information at hand is critical.</p> </div> </div> <hr/><div id="best_life_insurance_companies_faq_section" class="faq-section article-section"> <h2 class="title"> Frequently Asked Questions </h2> <div class="main-faqs faq-2021 faq-v2"> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">How does life insurance work?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Policyholders pay premiums for a life insurance policy. If the policy is in effect when the person dies, the life insurance company pays a death benefit to beneficiaries. Death benefits are typically tax-free.</p> <p> </p> <p>Beneficiaries can use the money in any way they want, so it’s a good idea for policyholders to choose trusted beneficiaries.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">Which is better: term or whole life?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>When it comes to <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/comparing-term-life-vs-whole-life-insurance/" target="_blank" rel="noopener">term life vs. whole life insurance</a>, the better choice depends on your specific goals. For example, if you’re looking for life insurance protection for only a certain number of years to cover a financial concern (such a mortgage), <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/choosing-the-right-term-life-insurance/" target="_blank" rel="noopener">term life insurance</a> is likely the best fit.</p> <p> </p> <p>If you want lifelong coverage or to build cash value, look at forms of permanent life insurance such as whole life and universal life insurance.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">What kinds of death are not covered by life insurance?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Life insurance generally covers all types of death, whether it’s from illness, injury or old age. Even death by homicide and drug overdoses is covered. Suicide is usually not covered within the first two years after the policy is purchased, but is covered after that time.</p> <p> </p> <p><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/accidental-death-and-dismemberment-insurance/" target="_blank" rel="noopener">Accidental death and dismemberment insurance</a> has a life insurance payout only for accidental deaths, such as a car crash or accidental fall.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">Can I buy life insurance on someone else?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>You can <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/on-someone-else/" target="_blank" rel="noopener">purchase life insurance on someone else</a>, such as a spouse or a parent, as long as you have an “insurable interest” in that person. That means you would suffer financially if they pass away.</p> <p> </p> <p>If you’re the policyowner for life insurance on someone else, you can make yourself the <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/choose-beneficiary/" target="_blank" rel="noopener">life insurance beneficiary</a> and receive the payout.</p> <p> </p> <p>But you can’t buy life insurance on someone else secretly—they’ll need to sign the application.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">What is underwriting?</h3> </div> <div class="faq-answer wysiwyg-content"> <p><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/underwriting-classes/" target="_blank" rel="noopener">Life insurance underwriting</a> is the process insurers use to decide whether to offer someone a policy and how much to charge. A full underwriting process includes a life insurance medical exam, a lengthy application and a review of your medical records.</p> <p> </p> <p>Other types of underwriting processes aren’t as comprehensive and may not require a medical exam or health questions. These include <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/guaranteed-life-insurance/" target="_blank" rel="noopener">guaranteed issue life insurance </a> and <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/simplified-issue/" target="_blank" rel="noopener">simplified issue life insurance</a>.</p> <p> </p> <p>Policies that don’t require a full underwriting process usually cost more but may be the only option for people with health issues.</p> </div> </div> </div> </div> <hr/> <div id="next_up_in_the_best_of_life_insurance_section" class="article-section "> <h2>Next Up In The Best Of Life Insurance</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-term-life-insurance-companies/">Best Term Life Insurance of 2022</a></li> <li><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-whole-life-insurance/">Best Whole Life Insurance of 2022</a></li> <li><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-no-exam-life-insurance/">Best Instant No-Exam Life Insurance of 2022</a></li> <li><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-senior-life-insurance/">Best Senior Life Insurance of 2022</a></li> <li><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/best-family-life-insurance/">Best Family Life Insurance of 2022</a></li> <li><a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/life-insurance/life-insurance-quotes/">Compare Life Insurance Quotes</a></li> </ul> </div> </div> <hr/> </div> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="contrib bottom-contrib-block"> <style> .article__author-bio-top .author__block{display: flex; align-items: center;} .article__author-bio-top .author__block-content { font-family: 'Work Sans', sans-serif;} .article__author-bio-top .author__block-content .author__block-name{padding-right: 10px; font-weight: 500;} .article__author-bio-top .author__block-content .author__block-role{margin-left: 0;} .article__author-bio-bottom > p > a { color: #003891;} .article__author-bio-bottom > p > a:hover { text-decoration: underline;} .article__author-bio-bottom > p > strong, .article__author-bio-bottom > p > b { font-weight: bold;} .article__author-bio-bottom > p > s, .article__author-bio-bottom > p > strike { text-decoration: strike-through;} </style> <div class="article__author-bio"> <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/author/adanise/" title="Amy Danise" target="_blank"> <img class="lozad avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo" src="/web/20220820020415im_/https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/" data-img-src="https://web.archive.org/web/20220820020415/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Amy-Danise-bio-88x88.jpg" width="64" height="64" alt="Amy Danise"> </a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor/author/adanise/" target="_blank" class="author__block-name">Amy Danise</a> </div> <span class="author__block-role">Editor</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> I’m the Insurance Analyst for Forbes Advisor. I’ve been writing about insurance for consumers for more than 20 years. Insurance intersects with many parts of our lives, yet it’s tough to untangle, and wrong choices can make a financial mess. I’m here to help you make sense of it. I’m especially interested in how data is affecting the price you pay for all insurance types. </p> </div> </div>  </div> </div> <div class="article_published_date" style="font-family:'Work Sans',Arial,Helvetica,sans-serif;font-size: 12px;line-height: 18px;color: #929A9B;margin: 20px 0;"> </div> <div class="feedback-form-wrapper"> <div class="feedback-form"> <div class="feedback-form-text"> <svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M20 2H4C2.9 2 2 2.9 2 4V22L6 18H20C21.1 18 22 17.1 22 16V4C22 2.9 21.1 2 20 2ZM20 16H6L4 18V4H20V16Z" fill="black"/> <path d="M11.25 11.625H12.75V13.5H11.25V11.625ZM11.25 6H12.75V10.5H11.25V6Z" fill="black"/> </svg> <span>Was this article helpful?</span> </div> <div class="feedback-form-cta"> <button id="open-modal-btn" class="rate-button" href="">Share your feedback</button> </div> </div> </div> <div class="feedback-modal-wrapper" style="visibility: hidden"> <div class="feedback-modal-window"> 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If the policy is in effect when the person dies, the life insurance company pays a death benefit to beneficiaries. Death benefits are typically tax-free.<\/p>\n<p> <\/p>\n<p>Beneficiaries can use the money in any way they want, so it\u2019s a good idea for policyholders to choose trusted beneficiaries.<\/p>\n" } },{ "@type": "Question", "name": "Which is better: term or whole life?", "acceptedAnswer": { "@type": "Answer", "text": "<p>When it comes to <a href=\"https:\/\/www.forbes.com\/advisor\/life-insurance\/comparing-term-life-vs-whole-life-insurance\/\" target=\"_blank\" rel=\"noopener\">term life vs. whole life insurance<\/a>, the better choice depends on your specific goals. For example, if you\u2019re looking for life insurance protection for only a certain number of years to cover a financial concern (such a mortgage), <a href=\"https:\/\/www.forbes.com\/advisor\/life-insurance\/choosing-the-right-term-life-insurance\/\" target=\"_blank\" rel=\"noopener\">term life insurance<\/a> is likely the best fit.<\/p>\n<p> <\/p>\n<p>If you want lifelong coverage or to build cash value, look at forms of permanent life insurance such as whole life and universal life insurance.<\/p>\n" } },{ "@type": "Question", "name": "What kinds of death are not covered by life insurance?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Life insurance generally covers all types of death, whether it\u2019s from illness, injury or old age. Even death by homicide and drug overdoses is covered. Suicide is usually not covered within the first two years after the policy is purchased, but is covered after that time.<\/p>\n<p> <\/p>\n<p><a href=\"https:\/\/www.forbes.com\/advisor\/life-insurance\/accidental-death-and-dismemberment-insurance\/\" target=\"_blank\" rel=\"noopener\">Accidental death and dismemberment insurance<\/a> has a life insurance payout only for accidental deaths, such as a car crash or accidental fall.<\/p>\n" } },{ "@type": "Question", "name": "Can I buy life insurance on someone else?", "acceptedAnswer": { "@type": "Answer", "text": "<p>You can <a href=\"https:\/\/www.forbes.com\/advisor\/life-insurance\/on-someone-else\/\" target=\"_blank\" rel=\"noopener\">purchase life insurance on someone else<\/a>, such as a spouse or a parent, as long as you have an \u201cinsurable interest\u201d in that person. That means you would suffer financially if they pass away.<\/p>\n<p> <\/p>\n<p>If you\u2019re the policyowner for life insurance on someone else, you can make yourself the <a href=\"https:\/\/www.forbes.com\/advisor\/life-insurance\/choose-beneficiary\/\" target=\"_blank\" rel=\"noopener\">life insurance beneficiary<\/a> and receive the payout.<\/p>\n<p> <\/p>\n<p>But you can\u2019t buy life insurance on someone else secretly\u2014they\u2019ll need to sign the application.<\/p>\n" } },{ "@type": "Question", "name": "What is underwriting?", "acceptedAnswer": { "@type": "Answer", "text": "<p><a href=\"https:\/\/www.forbes.com\/advisor\/life-insurance\/underwriting-classes\/\" target=\"_blank\" rel=\"noopener\">Life insurance underwriting<\/a> is the process insurers use to decide whether to offer someone a policy and how much to charge. A full underwriting process includes a life insurance medical exam, a lengthy application and a review of your medical records.<\/p>\n<p> <\/p>\n<p>Other types of underwriting processes aren\u2019t as comprehensive and may not require a medical exam or health questions. These include <a href=\"https:\/\/www.forbes.com\/advisor\/life-insurance\/guaranteed-life-insurance\/\" target=\"_blank\" rel=\"noopener\">guaranteed issue life insurance <\/a>\u00a0and <a href=\"https:\/\/www.forbes.com\/advisor\/life-insurance\/simplified-issue\/\" target=\"_blank\" rel=\"noopener\">simplified issue life insurance<\/a>.<\/p>\n<p> <\/p>\n<p>Policies that don\u2019t require a full underwriting process usually cost more but may be the only option for people with health issues.<\/p>\n" } }] } </script><script> (function handleExternalLinking() { window.partnerNames = []; var articleBody = '.article-link-wrapper'; var siteUrl = 'https://web.archive.org/web/20220820020415/https://www.forbes.com/advisor'; const stripTrailingSlash = str=>str.charAt(str.length-1)=="/"?str.substr(0,str.length-1):str; if (document.querySelector(articleBody)) { var elm = document.querySelectorAll(articleBody + ' a'); for (var i = 0; i < elm.length; i++) { var $currElm = elm[i], link = $currElm.getAttribute('href'), hasQueryParam = link.indexOf("?"), newRel = $currElm.getAttribute('rel') || ''; 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var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script src="https://web.archive.org/web/20220820020415js_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/js/plugins/xss.min.js"></script> <script> window._isRouteM = false; </script> <script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); if (typeof filterXSS === 'function') { cookieVal = filterXSS(cookieVal, { stripIgnoreTagBody: true }); } return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://web.archive.org/web/20220820020415/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } function prefixIdentifierToUserId( userid ){ // Check if user id already has required prefix var isPrefixed = /(DV|MX|FA)/.test(userid); if( !isPrefixed ) { var utmMatch = window.location.href.match(/utm_source=(dv|max|fa)/i); if( !!utmMatch ) { var utmPrefixMapping = { dv: "DV", max: "MX", fa: "FA" }; var matchedSource = utmMatch[1].toLowerCase(); userid += utmPrefixMapping[matchedSource]; } } return userid; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; urlWithTrackingID += window._isRouteM ? '&extPrvL1=1&requrl='+encodeURIComponent(window.location.href) : ''; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; urlWithTrackingID += window._isRouteM ? '&extPrvL1=1&requrl='+encodeURIComponent(window.location.href) : ''; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } // Prefix userid if post belongs to 'paid_m' CPT if( window._isRouteM ) { return prefixIdentifierToUserId( userid ); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); var ogParamObj = getOgUtmParamValuePair(); //set og param Example: og_click_id if (ogParamObj.hasOwnProperty('param') && !__util.empty(ogParamObj.param)) { __cookie.set(E2E_COOKIE_ORIGINAL_TID_PARAM, ogParamObj.param, DAYS.THIRTY); } //set og param value if (ogParamObj.hasOwnProperty('value') && !__util.empty(ogParamObj.value)) { __cookie.set(E2E_COOKIE_ORIGINAL_TID_VALUE, ogParamObj.value, DAYS.THIRTY); } //set utm source if exist var utmSource = getUtmSource(ogParamObj); if (!__util.empty(utmSource)) { __cookie.set(E2E_COOKIE_ADVISOR_UTM, utmSource, DAYS.THIRTY); } } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = ( window._isRouteM ) ? getUniqueId('d') : getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id __linkTrackingController.setTrackingId(); var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = 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