Best Life Insurance Companies of 2021


Life insurance is essential if you have anyone in your life who depends on your income. Unfortunately, many people don’t have the right type of coverage or the right amount. About half of all U.S. households have less life insurance than they should, according to the Life Insurance Marketing and Research Association.

The good news is that life insurance doesn’t cost as much as you might think it does. Some people even estimate that life insurance costs up to five times as much as it actually does, reports the Insurance Information Institute (III).

We make the process of shopping for life insurance as easy as possible by doing the research for you and rating the top life insurance companies. To create our rating, we evaluated dozens of companies, scoring each on elements such as financial strength, customer service, and cost. Read on to see which companies made our list of the Best Life Insurance Companies of 2021. Our Best Life Insurance Company ratings are based on information that was collected between June 1, 2020, and August 19, 2020.

#1Northwestern Mutual
#2Haven Life
#3State Farm
#4Banner Life
#5Pacific Life
#7 Guardian Life
#11New York Life
#13John Hancock
#15Mutual of Omaha

Northwestern Mutual: Our top-rated insurance company, Northwestern Mutual, has more than 160 years of experience in the financial services industry and offers a traditional approach to life insurance. Northwestern Mutual offers a variety of coverage options and a low-tech but personalized method of determining coverage needs, and its financial advisers are available to help customers through the process. Learn more in our Northwestern Mutual review.

Haven Life: Haven Life insurance company offers only term life insurance policies and utilizes an online application process without personal interaction with a traditional agent. While a relatively new player in the insurance business, it’s backed by the well-established MassMutual. Haven Life aims to offer affordable, easy-to-manage term life insurance policies online, without the usual hassles of insurance shopping.

State Farm: Our No. 3 insurance company, State Farm, has almost 100 years of experience. State Farm offers discounts for customers who purchase multiple insurance policies, like homeowners insurance. It also offers a variety of ways to pay your premiums including online, by mail, or in person at a State Farm office. For some of its term life policies if you outlive the length of the policy your premiums will be returned to you.

How to Choose the Best Life Insurance Company

Buying a life insurance policy is similar to buying a home in that you are paying for something that will be part of your life for many years to come. Just as you inspect a home before you buy it, you should evaluate any insurance company before buying a policy. Follow these tips to make sure the life insurance company you are considering is a sound business that will flourish decades into the future.

  • Financial strength: Get a financial strength rating from at least one of the five independent agencies: AM
  • Best, Fitch Ratings, Kroll Bond Rating Agency, Moody’s, and Standard & Poor’s. This rating is based on an assessment of a life insurance company’s financial stability. We base a portion of our Best Life Insurance Companies ratings on the AM Best financial strength rating, and every company on our list earned AM Best’s highest rating of Superior.
  • Customer service: Working with your life insurance agency or company will likely never be fun, but it shouldn’t be any harder than it needs to be. Look through professional and consumer reviews to gain a sense of what the life insurance company’s customer support is like. Life insurance companies that don’t make you spend a lot of time on hold, have easy-to-navigate websites, and have agents who are more interested in helping you than a commission will make your experience smoother and less stressful.
  • Policy types: Not all life insurance companies offer every type of policy. Rather than choosing the wrong type of policy because you like the company, start with a company that sells the kind of insurance that best fits your needs. We break down the differences between the types of life insurance and give a brief definition of other terms in our section below on Types of Life Insurance Policies.
  • Policy options and add-ons: Other important considerations when buying a policy include the amount of the premium, choices of premium payment arrangements, selections for term periods (for a term life policy), and the rate of return on the cash value (for a universal or whole life policy). Start off on the right foot by getting a firm understanding of what each of these terms means. See our Types of Life Insurance Policies section below for more information.
  • Company size: All else being equal, companies that hold the most assets are likely to be the most solvent, and therefore are less likely to run into financial trouble and possibly leave you or your loved ones holding a worthless policy. In addition, if you need a jumbo policy with a high payout, a large insurance company will probably be more willing to back it. Potential advantages of using a smaller life insurance company include more personalized customer service and a more congenial atmosphere.


  1. Spot on with this write-up, I honestly think this site needs a great
    deal more attention. I’ll probably be returning to see more, thanks for the info!

  2. Hmm it looks like your site ate my first comment (it was
    super long) so I guess I’ll just sum it up what I submitted
    and say, I’m thoroughly enjoying your blog. I as well
    am an aspiring blog writer but I’m still new to the whole thing.
    Do you have any suggestions for newbie blog writers? I’d really appreciate it.

  3. Thank you for the auspicious writeup. It in reality was a enjoyment account it.
    Look complex to far introduced agreeable from you!

    However, how could we keep up a correspondence?

  4. My coder is trying to persuade me to move to .net from PHP.
    I have always disliked the idea because of the costs.
    But he’s tryiong none the less. I’ve been using Movable-type on a variety of websites for
    about a year and am anxious about switching to another platform.
    I have heard excellent things about Is there a way I can import all
    my wordpress posts into it? Any kind of help would be really appreciated!

  5. работа моделью без опыта для девушек

    [url=]работа для девушек в москве[/url]

  6. [url=]plaquenil 100[/url] [url=]price of tadalafil in us[/url] [url=]stromectol australia[/url] [url=]buy generic lexapro cheap[/url] [url=]order viagra from mexico[/url] [url=]furosemide 400 mg[/url] [url=]finpecia 1mg price in india[/url] [url=]ivermectin prescription[/url] [url=]disulfiram pill[/url] [url=]doxycycline 50 mg cost[/url]

  7. [url=]generic cialis in australia[/url] [url=]levitra nz[/url] [url=]viagra online purchase india[/url] [url=]buy sildenafil india[/url] [url=]aurogra 100 for sale[/url] [url=]citalopram price uk[/url] [url=]cialis cheapest price canada[/url] [url=]zyban india price[/url] [url=]synthroid 175 mcg price[/url] [url=]ivermectin prescription[/url]

  8. [url=]cialis 2 5 mg[/url] [url=]strattera prescription cost[/url] [url=]ivermectin drug[/url] [url=]citrate sildenafil[/url] [url=]amoxil 250 tablet[/url]

  9. [url=]cymbalta prescription[/url] [url=]viagra in india online[/url] [url=]cialis black[/url] [url=]can i buy viagra over the counter in india[/url] [url=]citalopram 20mg tab[/url] [url=]aurogra 100 online[/url] [url=]ivermectin over the counter[/url] [url=]sildenafil 20 mg brand name[/url] [url=]furosemide 40 mg daily[/url] [url=]buy amoxicillin 500mg capsules uk[/url]

  10. [url=]sildenafil 20 mg cost in india[/url] [url=]ivermectin 0.08 oral solution[/url] [url=]ivermectin ebay[/url] [url=]trazodone 0.5 mg[/url] [url=]retino 0.025 gel[/url] [url=]15mg cialis[/url] [url=]where to buy viagra safely[/url] [url=]zoloft 100 mg[/url] [url=]lowest cost for viagra[/url] [url=]ivermectin generic[/url]

  11. [url=]ordering cialis online[/url] [url=]india ivermectin[/url] [url=]anafranil 25 tablets[/url] [url=]daily cialis price[/url] [url=]stromectol otc[/url] [url=]buy cialis europe[/url] [url=]amitriptyline 150 mg daily[/url] [url=]budesonide 3 mg tablet[/url] [url=]90 bupropion 150 mg cost[/url] [url=]cheap propecia online[/url]

  12. [url=]real cialis[/url] [url=]generic tadalafil 60 mg[/url] [url=]lowest price viagra 100mg[/url] [url=]order real viagra online[/url] [url=]how can i get viagra without a prescription[/url] [url=]generic cialis no prescription[/url] [url=]average cost of 20mg cialis[/url] [url=]tadalafil 6mg[/url] [url=]tadalafil uk[/url] [url=]generic viagra best online pharmacy[/url]

  13. [url=]viagra prescription australia[/url] [url=]buy cialis online europe[/url] [url=]viagra pill where to buy[/url] [url=]viagra discount[/url] [url=]cheap viagra australia[/url] [url=]cialis 20 mg in india[/url] [url=]sildenafil soft online[/url] [url=]cheap viagra online uk[/url] [url=]canada rx viagra[/url] [url=]buy cialis cheap prices fast delivery[/url]

  14. [url=]cialis online visa[/url] [url=]cheap genuine viagra[/url] [url=]how to obtain viagra[/url] [url=]generic cialis online no prescription[/url] [url=]us online pharmacy cialis[/url]

  15. [url=]average cost of viagra 2018[/url] [url=]best place to buy cialis online[/url] [url=]can i buy real cialis online[/url] [url=]cheap viagra online pharmacy[/url] [url=]buy cialis without prescription[/url]

  16. [url=]furosemide 40 mg buy online[/url] [url=]cymbalta buy[/url] [url=]best women viagra pills[/url] [url=]budesonide 64 mcg[/url] [url=]where to buy sildenafil citrate online[/url] [url=]prednisolone buy online[/url] [url=]finasteride 1mg price[/url] [url=]plaquenil canada[/url] [url=]amazon kamagra oral jelly[/url] [url=]tadalafil online canada[/url]

  17. [url=]order bupropion online[/url] [url=]sildenafil medicine in india[/url] [url=]ivermectin brand name[/url] [url=]buy cheap sildenafil online uk[/url] [url=]doxycycline no prescription[/url]

  18. [url=]online viagra purchase[/url] [url=]how to purchase viagra in uk[/url] [url=]buy cialis online us pharmacy[/url] [url=]cialis 5mg price south africa[/url] [url=]generic tadalafil in usa[/url] [url=]purchase viagra over the counter[/url] [url=]sildenafil 20mg brand name[/url] [url=]viagra price uk[/url] [url=]where to get cialis in singapore[/url] [url=]generic viagra in us[/url]

  19. [url=]avodart without prescription[/url] [url=]how much is benicar[/url] [url=]ivermectin 3mg dose[/url] [url=]malegra dxt[/url] [url=]buy indocin 75 mg[/url] [url=]albuterol canadian coupon[/url] [url=]order ventolin[/url] [url=]how to get baclofen in australia[/url] [url=]albendazole pills[/url] [url=]generic for cozaar[/url]

  20. [url=]generic viagra 100mg for sale[/url] [url=]viagra generic uk[/url] [url=]buy nolvadex without prescription[/url] [url=]order sildenafil online without prescription[/url] [url=]cheap tadalafil 40 mg[/url] [url=]cymbalta 40 mg capsule[/url] [url=]cytotec without prescription[/url] [url=]tretinoin cream 1[/url] [url=][/url] [url=]buspar 100[/url]

  21. [url=]generic cialis online mastercard[/url] [url=]prozac medicine price in india[/url] [url=]disulfiram purchase uk[/url] [url=]aurogra 100 online[/url] [url=]canadian motrin[/url]

  22. [url=]can i buy amoxicillin over the counter in south africa[/url] [url=]paxil 10 mg[/url] [url=]gabapentin 800 mg pill[/url] [url=]stromectol tablets uk[/url] [url=]online cialis us[/url] [url=]cheap priligy uk[/url] [url=]tadalafil cost 20 mg[/url] [url=]metformin 800[/url] [url=]2500 mg metformin[/url] [url=]dapoxetine 120 mg[/url]

  23. [url=]cialis australia paypal[/url] [url=]hydrochlorothiazide 125 mg[/url] [url=]how to get cipro without a prescription[/url] [url=]augmentin 650 mg price[/url] [url=]generic cialis 80mg[/url] [url=]azithromycin 500 mg otc[/url] [url=]hydrochlorothiazide 50mg tab[/url] [url=]buy finasteride[/url] [url=]buy priligy in australia[/url] [url=]sildenafil citrate uk[/url]

  24. [url=]order female viagra[/url] [url=]buy cialis 2.5 mg online[/url] [url=]cardizem 120 mg cost[/url] [url=]tadalafil 10mg prices in india[/url] [url=]sildenafil 100mg from india[/url]


Please enter your comment!
Please enter your name here