While we are independent, the offers that appear on this site are from companies from which receives compensation. If none of these companies are the right fit, try drilling down to a specific category:į is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. What kind of service should I expect? Your life insurance company should have a reputation for being responsive and transparent.
How flexible is my policy? Life insurance is designed to evolve as your needs change, so check if you can purchase more coverage or convert to a policy later on.How much is it? Get quotes from multiple insurers to determine which company can offer you the policy you need at the best price.What term lengths are available? Depending on the insurer, you may be able to get coverage for as little as one year, or as long as 30 years.But if you’d prefer not to take one, you can explore no-exam policies. Do I need to take a medical exam? Most policies require a basic physical medical exam.Can I add riders to my policy? If customizing your coverage with add-ons like an accelerated death benefit rider is important to you, look for an insurer that offers robust riders.How much coverage can I buy? Some insurers cap their coverage at $500,000, while others will offer policies worth millions if you meet the criteria.To find a policy that suits your situation and budget, ask these questions. MassMutual topped our list as the best insurer overall for two years running, and New York Life, Legal & General and State Farm held their spots. We focused on insurers that stand out in one area, such as their online buying experience or life insurance coverage. We added a few insurers to our list, going from seven to 10 companies. Finally, we exclude companies that don’t meet our standard - few states served, little policy customization or not enough information online to make an informed decision. To find the best life insurers, we rank every company we review with 1- to 5-star ratings. Power customer satisfaction scores and the National Association of Insurance Commissioners complaint index. We factor in the latest AM Best financial ratings, J.D. We base our life insurance rankings on each company’s financial soundness, customer satisfaction and coverage options. Best for high net worth individuals: SBLIįinder’s life insurance experts have spent over 500 hours analyzing the top 100 life insurance companies, cutting through the noise of 780 insurers vying for your business.
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