{"id":324826,"date":"2025-11-07T17:41:06","date_gmt":"2025-11-07T22:41:06","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=91212"},"modified":"2025-11-07T17:41:06","modified_gmt":"2025-11-07T22:41:06","slug":"best","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/best\/","title":{"rendered":"Best Life Insurance Companies of 2025: Top 5 Picks"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Life Insurance Companies\"><\/span>\n    \n\n\n<p>When choosing the right life insurance company, it\u2019s important to do your research. Unlike other types of insurance policies, you may have this one for decades or more. And while you might have life insurance provided through your employer, you may also want to purchase additional coverage. When comparing the top-rated life insurance companies in 2025, we considered independent financial strength ratings from <a href=\"https:\/\/www.ambest.com\/ratings\/guide.asp\">AM Best<\/a> and <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/about\/ratings-definitions\">S&amp;P Global Ratings<\/a> (and, where available, Moody\u2019s and Fitch), customer experience benchmarks from the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power U.S. Individual Life Insurance Study<\/a> and the <a href=\"https:\/\/content.naic.org\">NAIC Insurance Complaint Index<\/a>, along with website functionality, coverage types, pricing and rider options such as accelerated\/living benefits. Ratings are opinions\u2014not guarantees\u2014and outlooks\/watch status matter. Since 2023, elevated interest rates (see the Fed\u2019s <a href=\"https:\/\/www.federalreserve.gov\/releases\/h15\/\">H.15<\/a>) have supported stronger participating whole-life dividend scales at major mutuals (e.g., <a href=\"https:\/\/news.northwesternmutual.com\">Northwestern Mutual<\/a>, <a href=\"https:\/\/www.guardianlife.com\">Guardian<\/a>), and accelerated (no\u2011exam) underwriting has become mainstream, broadening eligibility and speeding decisions (<a href=\"https:\/\/www.rgare.com\/knowledge-center\">RGA<\/a>; <a href=\"https:\/\/www.soa.org\">SOA<\/a>). This review highlights several leading life insurers and who might find them a good fit.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Life Insurance Companies (2025)&nbsp;<\/h2>\n\n\n\n<ul>\n<li><a href=\"#northwestern\" rel=\"nofollow\" class=\"achor-toggles\">Northwestern Mutual Life<\/a>: Best Overall<\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>: Best Term Life Insurance<\/li>\n\n\n\n<li><a href=\"#mutual\" rel=\"nofollow\" class=\"achor-toggles\">Mutual of Omaha<\/a>: Best for Prior Health Issues<\/li>\n\n\n\n<li><a href=\"#nationwide\" rel=\"nofollow\" class=\"achor-toggles\">Nationwide<\/a>: Best for Policy Customization<\/li>\n\n\n\n<li><a href=\"#pacific\" rel=\"nofollow\" class=\"achor-toggles\">Pacific Life<\/a>: Best for Customer Service Experience <\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\t\t\n<section id=\"block_61d718e7a1463\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Life Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM BEST FINANCIAL STRENGTH\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. POWER OVERALL CUSTOMER SATISFACTION\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_61d718e7a1463-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Northwestern Mutual<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>807\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61d718e7a1463-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>822\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61d718e7a1463-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Mutual of Omaha<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>795\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61d718e7a1463-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Nationwide<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>813\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61d718e7a1463-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Pacific Life<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>801\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"northwestern\" title=\"Northwestern Mutual Life\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Northwestern Mutual Life <\/h2>\n\n\n                                                \n\n\n<section id=\"northwestern-mutual-life-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Northwestern Mutual Life Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Overall<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Northwestern Mutual hits all the high marks with organizations that rank the best life insurance companies, such as AM Best and the National Association of Insurance Commissioners (NAIC).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/\" class=\"reviews-btn--primary\" rel=\" sponsored\">Learn more<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">807*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Northwestern Mutual hits all the high marks with organizations that rank the best life insurance companies, such as AM Best and the National Association of Insurance Commissioners (NAIC).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High customer service ratings<\/li>\n                            <li>Easy conversion from term to whole life<\/li>\n                            <li>Broad range of dividend-generating products<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Dividends not guaranteed<\/li>\n                                    <li>Must work with their financial advisors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">LIFE INSURANCE PRODUCTS OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Term life<\/li>\n<li>Whole life<\/li>\n<li>Universal life<\/li>\n<li>Long-term care<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">UNIQUE FEATURES<\/h4>\n                <div> <p>The major ranking companies all point to Northwestern as one of the top life insurance companies in the U.S. It offers term, whole and universal life policies at reasonable rates and with fantastic customer service.<\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Source: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power U.S. Individual Life Insurance Study<\/a> <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"State Farm\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Term Life Insurance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Most life insurance companies offer one term policy option with multiple whole life options, but State Farm provides flexibility and choice for both major types of policy.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=322561-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">822*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Most life insurance companies offer one term policy option with multiple whole life options, but State Farm provides flexibility and choice for both major types of policy.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Best in customer satisfaction &#038; financial strength<\/li>\n                            <li>Informational and intuitive website<\/li>\n                            <li>Able to customize policies<\/li>\n                            <li>Discounts may be available for bundling with auto or homeowner insurance<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Not licensed in Massachusetts, New York, or Wisconsin<\/li>\n                                    <li>Policy changes must be made through an agent<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">LIFE INSURANCE PRODUCTS OFFERED<\/h4>\n                <div> <ul>\n<li>Term life<\/li>\n<li>Whole life<\/li>\n<li>Universal life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">UNIQUE FEATURES<\/h4>\n                <div> <p>With its whole life coverage, you can choose from a range of payment plans and living benefit options to create a policy that reflects your needs.<\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Source: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power U.S. Individual Life Insurance Study<\/a> <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"mutual\" title=\"Mutual of Omaha\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Mutual of Omaha<\/h2>\n\n\n                                                \n\n\n<section id=\"mutual-of-omaha\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Mutual of Omaha<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Prior Health Issues<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Mutual of Omaha has a long history of providing good life insurance terms. It offers whole life and universal life policies, along with children\u2019s whole life and accidental death insurance.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=314154-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">795*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Mutual of Omaha has a long history of providing good life insurance terms. It offers whole life and universal life policies, along with children\u2019s whole life and accidental death insurance.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Policies available for those who have had cancer or other serious illness<\/li>\n                            <li>Riders include children\u2019s whole life and accidental death<\/li>\n                            <li>Informative website<\/li>\n                            <li>Online quote tool<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited policy add-ons<\/li>\n                                    <li>Limited policy customization options<\/li>\n                                    <li>Guaranteed life policies have a maximum benefit of $25K<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">LIFE INSURANCE PRODUCTS OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Term life<\/li>\n<li>Whole life<\/li>\n<li>Universal life<\/li>\n<li>Long-term care<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">UNIQUE FEATURES<\/h4>\n                <div> <p>Guaranteed whole life policies are available for customers ages 45-85, and your benefits are never reduced because of your age or health. Rates may be higher for this type of policy, but if it fulfills your other requirements, that may not be an issue.<\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Source: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power U.S. Individual Life Insurance Study<\/a><\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Nationwide\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide<\/h2>\n\n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Policy Customization<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Nationwide\u2019s life insurance policies often come with several flexible options and riders to help you personalize your policy\u2019s coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?refer=Life_Nationwide&#038;rvitemid=336460-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">813*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Nationwide\u2019s life insurance policies often come with several flexible options and riders to help you personalize your policy\u2019s coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Flexible term options and guaranteed renewal up to age 95<\/li>\n                            <li>Riders include critical, chronic, and terminal illness options<\/li>\n                            <li>Online quote tool<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Some policies require a medical exam<\/li>\n                                    <li>Not all policies have an online quote option<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">LIFE INSURANCE PRODUCTS OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Term life<\/li>\n<li>Whole life<\/li>\n<li>Universal life<\/li>\n<li>Variable<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">UNIQUE FEATURES<\/h4>\n                <div> <p>If you already have a homeowners, auto or renters policy with Nationwide, you may be able to receive additional discounts by combining the policies with a life insurance option. Nationwide offers numerous options for customizing a life insurance policy, including riders, to fit your goals and budget.<\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Source: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power U.S. Individual Life Insurance Study<\/a><\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"pacific\" title=\"Pacific Life\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Pacific Life<\/h2>\n\n\n                                                \n\n\n<section id=\"pacific-life\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Pacific Life<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service Experience<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Pacific Life has a longstanding history of offering life insurance policies, and is ranked among the top four providers for customer satisfaction in the 2021 J.D. Power Life Insurance Study.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?refer=Cheap_Life_Pacific_Life&#038;rvitemid=315930-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">801*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Pacific Life has a longstanding history of offering life insurance policies, and is ranked among the top four providers for customer satisfaction in the 2021 J.D. Power Life Insurance Study.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide variety of policy options<\/li>\n                            <li>Riders include children\u2019s term life, accidental death, extended benefit, and auto renewable<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No online quote option<\/li>\n                                    <li>Medical exam required for policies<\/li>\n                                    <li>Limited options in New York<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">LIFE INSURANCE PRODUCTS OFFERED<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Term life<\/li>\n<li>Whole life<\/li>\n<li>Variable Universal life<\/li>\n<li>Indexed Universal life<\/li>\n<li>Universal life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">UNIQUE FEATURES<\/h4>\n                <div> <p>Although quotes are not available online, Pacific Life has highly-rated customer service support to walk you through the various policy options. The term life policy is available at a $50,000 minimum with 10, 15, 20, 25, or 30 year terms.<\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Source: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power U.S. Individual Life Insurance Study<\/a><\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"further-reading\" title=\"Further Reading\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Further Reading on Life Insurance&nbsp;<\/h2>\n\n\n\n<ul>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/life\/types-of-policies-2\/\">Types of Life Insurance Policies<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/for-children\/\">Life insurance for children<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\">Guide to life insurance with pre-existing conditions<\/a>  <\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>For the best life insurance companies, our editorial team compared financial strength (AM Best\/S&amp;P and, where available, Moody\u2019s\/Fitch), product breadth and rider availability (including living benefits and accelerated underwriting), coverage options and pricing, customer satisfaction (latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power study<\/a>) and <a href=\"https:\/\/content.naic.org\">NAIC complaint indexes<\/a>, plus website functionality and digital servicing. We treat ratings as expert opinions (see <a href=\"https:\/\/www.ambest.com\/ratings\/guide.asp\">AM Best<\/a>, <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/about\/ratings-definitions\">S&amp;P<\/a>, <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a>, <a href=\"https:\/\/www.fitchratings.com\/research\/fundamentals\/rating-definitions-11-01-2024\">Fitch<\/a>) and note outlook\/watch status; where relevant we consider solvency context such as NAIC risk\u2011based capital benchmarks (<a href=\"https:\/\/content.naic.org\/cipr-topics\/risk-based-capital\">RBC<\/a>). Since life insurance rates vary widely by age, health class, state and coverage amount, we encourage you to gather real-time quotes tailored to your profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Choose the Best Life Insurance Company<\/h2>\n\n\n\n<p>When choosing a life insurance company, there are many things you need to consider. Remember that you\u2019ll likely have this policy for decades or more, so it\u2019s even more important to put thought into deciding which company to buy from.<\/p>\n\n\n\n<ul>\n<li><strong>Policy types: <\/strong>Not all life insurance companies offer every type of policy. Consider what type of policy you want and find a company that offers it (and check term convertibility windows if you may want permanent coverage later).<\/li>\n\n\n\n<li><strong>Price: <\/strong>While price isn\u2019t the only consideration, compare real-time quotes; benchmarks for $500,000\/20-year level term for Preferred non-smokers often run about $14\u2013$20 per month for women and $18\u2013$25 for men at ages 25\u201330, rising materially with age, while smokers typically pay ~2\u20133\u00d7 more for the same coverage (<a href=\"https:\/\/www.policygenius.com\/life-insurance\/life-insurance-price-index\/\">Policygenius LIPI<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).<\/li>\n\n\n\n<li><strong>Financial strength:<\/strong> Use multiple agencies where possible and note outlook\/watch status. Strong ratings (e.g., AM Best A- or S&amp;P\/Fitch A-\/Moody\u2019s A3 and above) indicate historically solid claims-paying capacity, but ratings are opinions, not guarantees (<a href=\"https:\/\/www.ambest.com\/ratings\/guide.asp\">AM Best<\/a>; <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/about\/ratings-definitions\">S&amp;P<\/a>; <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">Moody\u2019s<\/a>; <a href=\"https:\/\/www.fitchratings.com\/research\/fundamentals\/rating-definitions-11-01-2024\">Fitch<\/a>).<\/li>\n\n\n\n<li><strong>Customer service: <\/strong>Look at the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power U.S. Individual Life Insurance Study<\/a> and the <a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a> (and the NAIC <a href=\"https:\/\/eapps.naic.org\">Consumer Information Source<\/a>) for complaint performance.<\/li>\n\n\n\n<li><strong>Discounts &amp; add-ons:<\/strong> Some companies offer discounts for bundling your life insurance with other products. Many also offer living-benefit riders (terminal\/chronic\/critical illness) governed by <a href=\"https:\/\/content.naic.org\">NAIC Model #620<\/a>, long-term care options (qualified 7702B riders vs. 101(g) chronic illness benefits; see <a href=\"https:\/\/www.irs.gov\/publications\/p502\">IRS Pub. 502<\/a>), and accelerated (no-exam) underwriting for eligible applicants.<\/li>\n\n\n\n<li><strong>Company size: <\/strong>In most cases, larger companies with more assets on the books will be more stable. Consider capitalization context too; NAIC RBC action-level thresholds are commonly cited (e.g., Company Action Level at 200% of Authorized Control Level, Regulatory Action at 150%, Authorized Control at 100%, Mandatory Control at 70%) (<a href=\"https:\/\/content.naic.org\/cipr-topics\/risk-based-capital\">NAIC RBC<\/a>).<\/li>\n\n\n\n<li><strong>Historical performance:<\/strong> Don\u2019t just look at how the company is doing right now \u2014 consider how they\u2019ve done in the past. U.S. life insurers\u2019 sector outlooks are broadly stable for 2025, reflecting strong capitalization and liquidity (<a href=\"https:\/\/news.ambest.com\/presscontent.aspx?refnum=34614\">AM Best<\/a>; <a href=\"https:\/\/www.fitchratings.com\/research\/insurance\/2025-outlook-north-american-life-insurers-11-12-2024\">Fitch<\/a>; <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/research\/articles\/241205-insurance-outlook-2025-u-s-life-insurers-stable-12987368\">S&amp;P<\/a>). Longevity and dividend consistency (for participating policies) matter, but dividends are not guaranteed.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"types\" title=\"Types of Life Insurance Policies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Types of Life Insurance Policies<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Term life<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/life\/best-term\/\">Term life insurance<\/a> is the most basic and most common type of life insurance. You purchase a policy with a term of anywhere from 10 to 30 years, although shorter and longer terms may be available depending on the company. You pay a monthly premium, and if you pass away during that term, your beneficiary(ies) receives a death benefit. Both the monthly premium and the death benefit amount remain the same for the entirety of the term. In some cases, you may be able to convert your term policy into a whole life or permanent life insurance policy. Many insurers now use accelerated (no-exam) underwriting for eligible applicants, and current market snapshots show typical quotes for $500,000\/20-year Preferred non-smokers around $14\u2013$20 per month for women and $18\u2013$25 for men at ages 25\u201330, rising with age, while smoker rates are commonly ~2\u20133\u00d7 higher (<a href=\"https:\/\/www.policygenius.com\/life-insurance\/life-insurance-price-index\/\">Policygenius Life Insurance Price Index<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Whole life<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/life\/best-whole\/\">Whole life insurance<\/a> is one of the two primary types of permanent life insurance, meaning they cover you for the rest of your life. Whole life insurance combines the death benefit of term life insurance with a cash value component. Each month you pay a monthly premium. Part of the premium goes toward your death benefit and the rest goes into a cash value account. Like term life insurance, whole life insurance typically comes with a fixed monthly payment and guaranteed cash value return. In the elevated rate environment since 2023, many mutual insurers announced stronger dividend scales for participating policies, with examples including a 2024 dividend interest rate of 5.90% from <a href=\"https:\/\/www.guardianlife.com\">Guardian<\/a> and 6.34% from <a href=\"https:\/\/www.pennmutual.com\/why-penn-mutual\/dividends\">Penn Mutual<\/a>, plus large 2024 payouts at <a href=\"https:\/\/www.newyorklife.com\">New York Life<\/a> and <a href=\"https:\/\/news.northwesternmutual.com\">Northwestern Mutual<\/a>\u2014though dividends are not guaranteed and are smoothed over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Universal life<\/h3>\n\n\n\n<p>Like whole life, universal life insurance is a type of permanent life insurance. When you pay your monthly premium, a portion of it goes toward your death benefit, while the rest goes into a cash value account. But unlike whole life insurance, universal life policies are more flexible. You may be able to adjust your coverage or premium. But unlike whole life, universal policies don\u2019t have a guaranteed return in most cases \u2014 you\u2019re dependent on the market. Indexed universal life (IUL) credits interest tied to market indices using caps\/participation rates, while variable universal life (VUL) invests in market-exposed subaccounts; guarantees, costs, and risks vary by design and should be reviewed carefully (see NAIC\u2019s consumer guidance on <a href=\"https:\/\/content.naic.org\">life insurance<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Life Insurance FAQ<\/h2>\n\n\n<div id=\"block_61d72141a14b9\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much life insurance do I need?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">When determining how much life insurance to purchase, consider the financial obligations your family would be responsible for in the event of your death. You may want to use an online calculator or work with an agent to determine the level of coverage that best suits your situation.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d72157a14ba\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much does life insurance cost?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The cost of life insurance depends both on your personal characteristics and the type of policy you have. A term life insurance policy will generally cost less than a permanent life insurance policy, and the more coverage you need, the more expensive your premium is likely to be.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d7216da14bb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the best life insurance policy?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The best life insurance policy for you depends on your circumstances and what you hope to get out of the policy. Your financial advisor or a good insurance agent can help you figure out what policy is best for you.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d7217ca14bc\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Which one is better, term or whole life insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Term insurance is a good option for many people, especially for those who only need coverage while paying off debts. But whole life may be a better option if you want to have the security of a life-long policy and the chance to have your premiums provide investment income in the future.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d72191a14bd\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I choose the best life insurance policy?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Our list of the best life insurance companies is a good place to start. Read our life insurance shopping guide and start gathering quotes from a range of our top-rated companies.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d721a9a14be\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What are the best insurance companies?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Although there are hundreds of life insurance companies, we found the best five to be Northwestern Mutual, State Farm, Mutual of Omaha, Nationwide and Pacific Life. Any of these can help you build a policy that works best for your unique circumstances.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>When choosing the right life insurance company, it\u2019s important to do your research. Unlike other types of insurance policies, you may have this one for decades or more. And while you might have life insurance provided through your employer, you may also want to purchase additional coverage. When comparing the top-rated life insurance companies in [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358736,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1270],"tags":[],"post_author":[26296],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Life Insurance Companies of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of the best life insurance companies includes a comparison of providers based on market share, customer reviews, average premiums, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/life\/best\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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