The 40 Best Life Insurance Companies for 2023

life insurance companies November 22, 2023

Clifford Pendell, Managing Partner and Co-founder

There are hundreds of insurance providers to choose from, and every company sets their own pricing and approval guidelines, which makes it difficult to find the best life insurance company.

Some life insurance companies specialize with specific products like term, universal, or whole life insurance policies, while others are willing to accept "high-risk" applicants with pre-existing health issues or hazardous jobs.

To help you find the the best life insurance policy for your needs, we created this review of the top life insurance companies for 2023. We've also included a breakdown of the best companies for common health issues and dangerous occupations.

Quick Article Guide

Here’s what we'll cover in this post:

Best Term Life Insurance Companies and Policies

Consumer rating agencies usually focus on about twenty well-known insurance companies for their studies. The following chart ranks the top 40 life insurance providers for 2023 based on a variety of factors including; financial stability, policy features, pricing, and underwriting leniency.

Our Top Pick: Mutual of Omaha

Mutual of Omaha is our top pick for 2023. The Fortune 500 company was founded more than 110 years ago and are rated A+ Superior by A.M. best for financial stability. Comdex also recently ranked the insurer as the second-best life insurance provider in the United States with 90 points.

The company offers a variety of competitively-priced life insurance policies including; term, whole life, and final expense insurance with no health questions. Mutual of Omaha also specializes with lenient underwriting for common health issues like high blood pressure, elevated cholesterol, and obesity.

Company	A.M. Best Rating	Pricing	Our Rating
1. Mutual of Omaha	A+ Superior	$	100
2. Pacific Life	A+ Superior	$	98
3. Banner Life	A+ Superior	$	97
>4. Protective Life	A+ Superior	$	96
5. Prudential	A+ Superior	$	95
6. Mass Mutual	A++ Superior	$$	95
7. John Hancock	A+ Superior	$	94
8. Lincoln	A+ Superior	$	93
9. Principal Financial	A+ Superior	$	93
10. Minnesota Life	A+ Superior	$	92
11. Guardian Life	A++ Superior	ing: 0.3125rem 0.625rem; text-align: center; transition: background-color 0.3s ease 0s;">$$	91
12. Cincinnati Life	A+ Superior	$	90
13. Northwestern Mutual	A++ Superior	$$	89
14. Penn Mutual	A+ Superior	$$	89
15. North American	A+ Superior	$	88
16. Brighthouse (MetLife)	A+ Superior	$$	88
17. Savings Bank Life Insurance	A- Excellent	$	87
18. A.I.G.	A Excellent	$	86
19. eLife	A Excellent	$$	85
20. AXA Equitable	A- Excellent	$$	85
21. M idland National	A+ Superior	$$	84
22. Nationwide	A+ Superior	$$$	83
23. Hero Life	A- Excellent	$$	81
24. Transamerica	A Excellent	$$	d; padding: 0.3125rem 0.625rem; text-align: center; transition: background-color 0.3s ease 0s;">80
25. Symetra	A Excellent	$$	79
26. Allianz	A+ Superior	$$	77
27. Zurich	A+ Superior	$$	74
28. Great Western	A+ Superior	$$	71
29. Liberty Mutual	A Excellent	$$$	71
30. Foresters Financial	box-sizing: border-box; color: #1b577d; padding: 0.3125rem 0.625rem; text-align: center; transition: background-color 0.3s ease 0s;">A Excellent	$$	70
31. State Farm	A++ Superior	$$$$	68
32. American Continental	A Excellent	$$	65
33. Fidelity	A- Excellent	$$$	64
34. Haven Life	A++ Superior	$$	63
35. Bestow	A+ Superior	$$$	61
36. Assurity	A- Excellent	$$	60
37. Encova	A- Excellent	$$	59
38. Prosperity Life	A- Excellent	$$	58
39. American Amicable	A Excellent	$$	56
40. New York Life	A++ Superior	0.0625rem solid rgb(27, 87, 125); box-sizing: border-box; color: #1b577d; padding: 0.3125rem 0.625rem; text-align: center; transition: background-color 0.3s ease 0s;">$$$$	55

Our independent agency represents more than 50 top-rated life insurance providers. To view the full methodology of our rating system please click here or continue reading.

COVERAGE AMOUNT

$50,000
$100,000
$150,000
$200,000
-wrap: nowrap; transition: all 0.3s ease 0s; user-select: none; width: 351.552px;" value="250000">$250,000
$300,000
$400,000
$500,000
$600,000
$700,000
$750,000
$800,000
$900,000
$1,000,000
$1,500,000
$2,000,000
$3,000,000
$4,000,000
$5,000,000
$10,000,000

POLICY LENGTH

10 Years
15 Years
ius: 0.1875rem; box-sizing: border-box; color: white; cursor: pointer; font-size: 0.875rem; height: 2.375rem; line-height: 2.5rem; list-style: circle; padding: 0px 0.1875rem 0px 0.5rem; text-align: left; text-wrap: nowrap; transition: all 0.3s ease 0s; user-select: none; width: 351.552px;" value="20 Year Term">20 Years
25 Years
30 Years
35 Years
40 Years
Lifetime

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Life Insurance Company Ratings and Reviews for 2023

The following table compares more than 45 life insurance provider's customer satisfaction rating from JD Power as well as financial strength ratings from A.M. Best, Comdex, Fitch, Moody's, and Standard & Poors when available.

Company	A.M. Best	Comdex Score	Fitch	JD Power Rating	Moody's	Standard & Poors
AARP	AA+	100	AAA	784	Aaa	AA+
Accordia (Global Atlantic)	A	75	A	N/A	N/A	A-
Allianz	A+	98	N/A	N/A	A2	AA
American Amicable	A	N/A	N/A	N/A	color 0.3s ease 0s;">N/A	N/A
American Continental (AETNA)	A	71	A	N/A	AA-	AA-
American General (AIG)	A	83	A+	742	A2	A+
Assurity	A-	N/A	N/A	N/A	N/A	N/A
AXA Equitable	A-	79	N/A	737	A2	A+
Banner Life	A+	95	N/A	N/A	AA-	AA-
Bestow	align: center; transition: background-color 0.3s ease 0s;">A+	92	A+	N/A	N/A	A+
Brighthouse	A	77	A	741	A3	A+
Cincinnati Life	A	88	A+	N/A	N/A	A+
Encova	A-	N/A	N/A	N/A	N/A	N/A
0.3s ease 0s;">Ethos	A-	N/A	N/A	N/A	N/A	N/A
tion: background-color 0.3s ease 0s;">Fidelity Life	A+	91	A+	N/A	N/A	N/A
Foresters	A	N/A	N/A	N/A	N/A	N/A
Gerber Life	A	N/A	N/A	N/A	N/A	N/A
Great Western	A+	96	AA	N/A	Aa3	AA
Guardian Life	A++	100	AA+	787	Aa2	AA+
Haven Life (MassMutual)	A++	98	AA+	769	Aa2	AA+
John Hancock	A+	93	AA-	749	Aa1	AA-
Hero Life	A-	N/A	N/A	N/A	N/A	N/A
Ladder Life	A-	N/A	lign: center; transition: background-color 0.3s ease 0s;">N/A	N/A	N/A	N/A
Liberty Mutual	A	N/A	N/A	788	A2	A
Lincoln Financial	A+	90	A+	764	A1	AA-
Mass Mutual	A++	98	AA+	780	Aa2	AA+
Mutual Of Omaha	A+	90	N/A	801	A1	A+
National Western Life	A	N/A	N/A	N/A	N/A	A
Nationwide	A+	90	N/A	791	A1	A+
New York Life	A++	100	AAA	775	Aaa	AA+
North American	A+	background-color 0.3s ease 0s;">88	A+	N/A	N/A	A+
Pacific Life	A+	95	A+	793	A1	AA-
Penn Mutual	A+	93	N/A	733	Aa3	A+
Peterson International	A	N/A	AA-	N/A	N/A	A+
Primerica	A+	93	N/A	766	A1	AA-
Principal Financial	A+	90	AA-	772	A1	A+
Prosperity Life	A-	N/A	N/A	N/A	N/A	center; transition: background-color 0.3s ease 0s;">N/A
Protective Life	A+	93	A+	759	A2	AA-
Prudential	A+	95	A+	773	A1	AA-
Sagicor Life	A-	N/A	N/A	N/A	N/A	N/A
Savings Bank Life Insurance	A	71	N/A	N/A	N/A	A-
Securian (Minnesota Life)	A+	96	AA	754	Aa3	AA-
State Farm	A++	98	N/A	839	Aa1	AA
Symetra	A	79	A	N/A	A1	A
Transamerica	A	81	A+	740	A1	AA-
United Home Life	A-	N/A	N/A	N/A	N/A	N/A
nited-of-omaha-life-insurance-company/" style="border-bottom: 0.0625rem solid rgb(0, 0, 238); box-sizing: border-box; color: #0000ee; text-decoration-line: none; transition: all 0.3s ease 0s;">United of Omaha	A+	90	N/A	801	A1	A+
William Penn	A+	95	AA-	N/A	N/A	AA-
Zurich	A+	81	N/A	N/A	A3	A

*Company ratings are accurate as of 03/16/2023 and are provided for illustrative purposes only.

If you are in excellent health overall, have a favorable family health history, see your primary care doctor regularly, and don't have a hazardous occupation or hobby, you'll probably qualify for the top rate class with many life insurance carriers.

However, if you are like most people with a minor health issue or lifestyle risk, applying with the right company could save you a lot of money. The next section provides some insight into buying life insurance with a preexisting health issue.

Best Life Insurance Companies for Pre-Existing Health Issues

Every life insurance company sets their own guidelines to evaluate an individual's risk and determine their life insurance rates. Some life insurance companies tend to be more lenient with cardiovascular-related issues, while others might specialize with issues like diabetes.

Our agency specializes with matching people with pre-existing conditions to the best life insurance companies and policies available. We are also experts at finding affordable options for anyone that is are considered to be a high-risk for life insurance coverage.

If you have ever been treated or diagnosed with one of the health issues listed below, click on the link to learn how the insurance provider's will evaluate your condition. Each insider's guide also includes sample life insurance rates and insider's tips to help you save.

If you have a health issue that isn't listed above, please give us a call toll-free at 855-247-9555 to speak with one of our experts. In just a few minutes, we can compare rates and policies from dozens of highly-rated insurance providers to find your best option.

COVERAGE AMOUNT

$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$400,000
$500,000
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$700,000

$750,000

$800,000

$900,000

$1,000,000

$1,500,000

$2,000,000

$3,000,000

$4,000,000

$5,000,000

$10,000,000

POLICY LENGTH

10 Years
15 Years
20 Years
25 Years
30 Years
35 Years
40 Years
Lifetime

Instantly Compare Quotes
k" style="box-sizing: border-box; color: #ee6f0e; display: inline-block; font-size: 0.875rem; font-weight: 600; line-height: 1.125rem; list-style: circle; padding: 1.5rem 0px 0px 1.75rem; position: relative; width: 347.885px;">No Obligation
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Best Life Insurance Companies for Dangerous Occupations or Hobbies

When you apply for most types of life insurance, the insurance company you apply with will evaluate your health and lifestyle risk before approving your policy. If you have a hazardous occupation or hobby, getting approved for an affordable life insurance policy can be challenging.

Thankfully, many seemingly hazardous hobbies and occupations are overlooked by life insurance. While riding a motorcycle or being employed as a police officer won't impact the cost of your life insurance policy, activities like sky-diving can make you ineligible for most life insurance policies.

We've helped thousands of families and businesses with their life insurance needs, and our agents are experts at matching their clients with the best option available. The links in the section below provide additional information about buying life insurance for specific occupations or hobbies.

If you don't see your occupation listed above, it might be an acceptable risk to all insurers. To learn more about buying insurance with a hazardous occupation or hobby, you can also visit our "High Risk Life Insurance Guide," or you can request a free quote online to instantly compare your options.

How to Choose the Best Life Insurance Company and Policy

Life insurance is not a one-size-fits all product. Your policy should always be tailored to your unique needs and budget. In addition to ensuring that your policy provides your family with adequate protection, there are some additional aspects to consider when purchasing a policy.

Pricing - Every life insurance company sets their own rates and underwriting guidelines. A minor health risk, an unfavorable family health history, or a poor driving record could have a significant impact on your rates, even if you're in excellent health. Instantly compare prices from 50 top-rated companies with our free quote form below:

Policy Features and Benefits - Life insurance policies usually offer some additional benefits or riders with each of their policies. Some of these benefits will allow you to access your policy's death benefit if you become ill, or extend your coverage past the end of your term.

Products - Your life insurance policy should always focus on your need for the coverage. Some life insurance providers focus solely on inexpensive term coverage, while other companies may offer inexpensive permanent life insurance products or hybrid policies that also include long term care protection.

Financial Stability - When shopping for life insurance, you'll want to consider each company's financial outlook to ensure their ability to pay future claims. The most commonly-used credit rating company for insurance providers in the United States is A.M. Best which assigns a letter grade to each insurance provider.

A.M. Best's Financial Strength Rating Scale

Rating Categories	Rating Symbols	Rating Notches*	Category Definitions
Superior	A+	0.625rem; text-align: center; transition: background-color 0.3s ease 0s;">A++	Assigned to companies that have, in our opinion, a superior ability to meet their ongoing insurance obligations.
Excellent	A	A-	Assigned to companies that have, in our opinion, an excellent ability to meet their ongoing insurance obligations.
Good	B+	B++	Assigned to companies that have, in our opinion, a good ability to meet their ongoing insurance obligations.
Fair	B	B-	Assigned to companies that have, in our opinion, a fair ability to meet their ongoing insurance obligations. Financial strength is vulnerable to adverse changes in underwriting and economic conditions.
Marginal	C+	C++	Assigned to companies that have, in our opinion, a marginal ability to meet their ongoing insurance obligations. Financial strength is vulnerable to adverse changes in underwriting and economic conditions.
Weak	C	C-	Assigned to companies that have, in our opinion, a weak ability to meet their ongoing insurance obligations. Financial strength is very vulnerable to adverse changes in underwriting and economic conditions.
Poor	D	-	Assigned to companies that have, in our opinion, a poor ability to meet their ongoing insurance obligations. Financial strength is extremely vulnerable to adverse changes in underwriting and economic conditions.

*Each Best's Financial Rating Category from "A+ to C" includes a Rating Notch to reflect a gradation of financial strength within the category. A Rating Notch is expressed with either a second plus "+" or a minus "-".

Source: A.M. Best

We Can Help You Find Your Best Option

If you are in excellent health, applying with a financially stable company that offers competitive rates may seem simple enough. Its important to understand the features you could be forfeiting by purchasing your policy from a slightly better-rated company before you apply though.

Potentially saving a few dollars a month could also limit your options in the future if you still need coverage when your term expires. Working with an independent agency will allow you to compare rates and options from dozens of insurance providers in one call, saving you time and money.

JRC only works with A-(Excellent) or better-rated companies, and our comparative shopping services are free. To inst-antly compare quotes from 50 highly-rated life insurance providers, click on the map below, or give us a call at 855-247-9555 to speak with an expert.

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Methodology:

We calculated our company ratings by awarding each life insurance provider up to 100 points for their financial stability, underwriting leniency, pricing, and customer satisfaction.

To evaluate each life insurance company's financial stability we used A.M. Best's financial rating system with a maximum of 30 points being assigned to company's that meet the guidelines for the A+ "Superior" designation.

Underwriting leniency and pricing was evaluated by looking at each life insurance carrier's approval guidelines for family health history, blood pressure, cholesterol, and weight. Up to 8 points are assigned to each for the four categories for a

The 40 Best Life Insurance Companies for 2023

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Best Term Life Insurance Companies and Policies

Our Top Pick: Mutual of Omaha

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Life Insurance Company Ratings and Reviews for 2023

Best Life Insurance Companies for Pre-Existing Health Issues

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Best Life Insurance Companies for Dangerous Occupations or Hobbies

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How to Choose the Best Life Insurance Company and Policy

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A.M. Best's Financial Strength Rating Scale

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The 40 Best Life Insurance Companies for 2023

Quick Article Guide

Get Your INSTANT Quote

COMPARE FROM 63 PROVIDERS

Best Term Life Insurance Companies and Policies

Our Top Pick: Mutual of Omaha

Get Your INSTANT Quote

COMPARE FROM 63 PROVIDERS

Life Insurance Company Ratings and Reviews for 2023

Best Life Insurance Companies for Pre-Existing Health Issues

Get Your INSTANT Quote

COMPARE FROM 63 PROVIDERS

Best Life Insurance Companies for Dangerous Occupations or Hobbies

Get Your INSTANT Quote

COMPARE FROM 63 PROVIDERS

How to Choose the Best Life Insurance Company and Policy

Get Your INSTANT Quote

COMPARE FROM 63 PROVIDERS

A.M. Best's Financial Strength Rating Scale

We Can Help You Find Your Best Option

Get Your INSTANT Quote

COMPARE FROM 63 PROVIDERS

Methodology:

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