{"id":325025,"date":"2025-11-07T17:19:29","date_gmt":"2025-11-07T22:19:29","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=94728"},"modified":"2025-11-12T14:03:20","modified_gmt":"2025-11-12T19:03:20","slug":"best-whole","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/best-whole\/","title":{"rendered":"The Best Whole Life Insurance of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overall\" title=\"Best Whole Life Insurance\"><\/span>\n    \n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/life\/what-is-whole-life\/\">Whole life insurance<\/a> is permanent coverage designed to last your entire life if premiums are paid. Most whole life policies include guaranteed cash value; some are \u201cparticipating\u201d and may also pay non\u2011guaranteed dividends. Cash value can often be borrowed against or withdrawn, but loans accrue interest and reduce policy values. In today\u2019s market, dividend momentum has improved as insurers reinvest at higher yields, leading many mutual companies to announce stronger dividend outlooks for 2025; remember dividends are not guaranteed and vary by company and product series (<a href=\"https:\/\/fred.stlouisfed.org\/series\/DGS10\">interest rate backdrop<\/a>; see also <a href=\"https:\/\/www.newyorklife.com\">company dividend disclosures<\/a>). If you\u2019re shopping for whole life, compare financial strength (AM Best), current-year dividend scales for participating policies, customer satisfaction in 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 your state\u2019s complaint history via the <a href=\"https:\/\/content.naic.org\/consumer.htm\">NAIC Consumer Resources\/Complaint Index<\/a>.<\/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 Best Whole Life Insurance Companies in 2025<\/h2>\n\n\n\n<p>Our 2025 evaluation emphasizes financial strength (AM Best), customer experience (J.D. Power), participating whole life dividend history, and product depth. Major mutual insurers remain leaders for participating whole life and dividend potential: <a href=\"https:\/\/www.northwesternmutual.com\">Northwestern Mutual<\/a>, <a href=\"https:\/\/www.massmutual.com\/about-us\/financial-strength-ratings\">MassMutual<\/a>, <a href=\"https:\/\/www.newyorklife.com\">New York Life<\/a>, <a href=\"https:\/\/www.guardianlife.com\">Guardian Life<\/a>, and <a href=\"https:\/\/www.pennmutual.com\/about\/financial-strength-ratings\">Penn Mutual<\/a>. State Farm continues to lead industrywide in customer satisfaction per the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power study<\/a>, though its whole life is typically non\u2011participating (no dividends). The five companies below offer notable strengths for different buyer needs.<\/p>\n\n\n\n<ul>\n<li><a href=\"#nationwide\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Nationwide<\/strong><\/a><strong>:<\/strong> Best for Personalized Coverage<\/li>\n\n\n\n<li><strong><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>:<\/strong> Best for Military-Centric Options<\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>:<\/strong> Best for Local Assistance<\/li>\n\n\n\n<li><a href=\"#mutual-of-omaha\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Mutual of Omaha<\/strong><\/a><strong>:<\/strong> Best for Guaranteed Issue Policies<\/li>\n\n\n\n<li><a href=\"#massmutual\" rel=\"nofollow\" class=\"achor-toggles\"><strong>MassMutual<\/strong><\/a><strong>: <\/strong>Best for Riders<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Whole Life Insurance Companies<\/h2>\n\n\n\n<p>While we feature these companies for specific strengths, the best fit depends on your goals and budget. For participating whole life, ask for the current-year dividend scale and illustration. Cross-check service with the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power<\/a> rankings, review AM Best Financial Strength Ratings for claims\u2011paying ability, and look up each insurer\u2019s most recent complaint index in your state via the <a href=\"https:\/\/content.naic.org\/consumer.htm\">NAIC Consumer Information Source<\/a> (index median = 1.00; lower is better). Industry context can also be gauged using the <a href=\"https:\/\/www.theacsi.org\/industries\/finance-and-insurance\">ACSI Finance &amp; Insurance<\/a> benchmarks.<\/p>\n\n\n\t\t\n<section id=\"block_626711a570894\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/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\tJ.D. Power Customer Satisfaction (latest study)*\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\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 Rating (verify current FSR)\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<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_626711a570894-1\">\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\">Nationwide<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2024 study<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/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_626711a570894-2\">\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\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not Rated<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/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_626711a570894-3\">\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\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Highest overall (2024)*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/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_626711a570894-4\">\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\">Mutual of Omaha<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2024 study<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/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_626711a570894-5\">\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\">MassMutual<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2024 study<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/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\n<p><em>Information accurate as of November 2025. Ratings, rankings, and complaint levels change over time; verify details on the insurer\u2019s site, <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power<\/a>, <a href=\"https:\/\/content.naic.org\/consumer.htm\">NAIC Consumer Information Source<\/a>, and AM Best at the time of purchase.<\/em><\/p>\n\n\n\n<p><em>* J.D. Power\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 U.S Individual Life Insurance Study<\/a>. Based on a 1,000 point scale; State Farm ranked highest overall in the latest release, with Northwestern Mutual also among the top-scoring carriers. For financial strength categories and definitions, see <a href=\"https:\/\/www.ambest.com\/ratings\/guide-to-bests-credit-ratings.html\">AM Best\u2019s Guide to Best\u2019s Credit Ratings<\/a>. To review a carrier\u2019s most recent complaint index (median = 1.00), use the <a href=\"https:\/\/content.naic.org\/consumer.htm\">NAIC Consumer Information Source<\/a> and filter by Individual Life.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Best for Personalized Coverage\"><\/span>\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 Personalized Coverage<\/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                With a broad rider menu and multiple permanent policy options, Nationwide suits shoppers who want to tailor coverage and work with agents. Compare riders like accelerated benefits, waiver of premium, and available payment patterns, and verify the latest NAIC complaint index before buying.\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+<\/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\">See 2024 study*<\/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                With a broad rider menu and multiple permanent policy options, Nationwide suits shoppers who want to tailor coverage and work with agents. Compare riders like accelerated benefits, waiver of premium, and available payment patterns, and verify the latest NAIC complaint index before buying.\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>Numerous policy options and riders<\/li>\n                            <li>Included in latest J.D. Power study; strong agent support<\/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 features vary by state; online whole life quotes limited<\/li>\n                                    <li>Verify current NAIC complaint index and AM Best rating<\/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\">OTHER LIFE PRODUCTS OFFERED<\/h4>\n                <div> <ul>\n<li>Term<\/li>\n<li>Universal<\/li>\n<li>Variable<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT FEATURES<\/h4>\n                <div> <ul>\n<li>Choose from two different payment options<\/li>\n<li>Local agents available<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" 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\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/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                USAA offers policies and service designed for military members, veterans, and eligible families. Coverage can be tailored with riders; availability varies by state and underwriting. Confirm eligibility and review the latest complaint index on the <a href=\"https:\/\/content.naic.org\/consumer.htm\">NAIC site<\/a> before purchasing.\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\/?sid=\" 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++<\/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\">Not rated*<\/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                USAA offers policies and service designed for military members, veterans, and eligible families. Coverage can be tailored with riders; availability varies by state and underwriting. Confirm eligibility and review the latest complaint index on the <a href=\"https:\/\/content.naic.org\/consumer.htm\">NAIC site<\/a> before purchasing.\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>Superior AM Best financial strength<\/li>\n                            <li>Military-focused coverages<\/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>May use third-party underwriters for certain types of coverage<\/li>\n                                    <li>Only available to military members, veterans, and qualifying family members<\/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\">OTHER LIFE PRODUCTS OFFERED<\/h4>\n                <div> <ul>\n<li>Term<\/li>\n<li>Universal<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT FEATURES<\/h4>\n                <div> <ul>\n<li>High coverage limits<\/li>\n<li>Waiver of premium rider may be available depending on the state<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Local Assistance\"><\/span>\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 for Local Assistance<\/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                Prefer face-to-face help? State Farm\u2019s national agent network and strong service reputation stand out. State Farm ranked highest overall in 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>. Note that State Farm whole life policies are generally non\u2011participating (no dividends).\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++<\/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\">Highest overall (2024)*<\/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                Prefer face-to-face help? State Farm\u2019s national agent network and strong service reputation stand out. State Farm ranked highest overall in 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>. Note that State Farm whole life policies are generally non\u2011participating (no dividends).\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>Highest J.D. Power customer satisfaction rating in the latest study*<\/li>\n                            <li>Local agents available<\/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 quotes<\/li>\n                                    <li>Generally non\u2011participating whole life (no dividends)<\/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\">OTHER LIFE PRODUCTS OFFERED<\/h4>\n                <div> <ul>\n<li>Term<\/li>\n<li>Universal<\/li>\n<li>Final expense<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT FEATURES<\/h4>\n                <div> <ul>\n<li>Flexible payment options<\/li>\n<li>Accessible via local agent, phone, website, or mobile app<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"mutual-of-omaha\" title=\"Best for Guaranteed Issue Policies\"><\/span>\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 Guaranteed Issue Policies<\/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\u2019s simplified and guaranteed\u2011issue whole life options provide paths to coverage without a medical exam. These can be attractive for final\u2011expense needs; be sure to compare graded benefits, maximum face amounts, and state availability, and review the latest NAIC complaint index for your state.\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+<\/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\">See 2024 study*<\/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\u2019s simplified and guaranteed\u2011issue whole life options provide paths to coverage without a medical exam. These can be attractive for final\u2011expense needs; be sure to compare graded benefits, maximum face amounts, and state availability, and review the latest NAIC complaint index for your state.\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>Guaranteed issue option (no medical exam)<\/li>\n                            <li>Online quotes available<\/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>Lower AM Best financial strength than some competitors<\/li>\n                                    <li>Fewer policy options than competitors<\/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\">OTHER LIFE PRODUCTS OFFERED<\/h4>\n                <div> <ul>\n<li>Term<\/li>\n<li>Universal<\/li>\n<li>Accidental death<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT FEATURES<\/h4>\n                <div> <ul>\n<li>No medical exam<\/li>\n<li>Available for ages 45-85 (50-75 in New York)<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"massmutual\" title=\"Best for Riders\"><\/span>\n    \n\n                                                \n\n\n<section id=\"massmutual\" 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\">MassMutual<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Riders<\/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                MassMutual is a mutual insurer with A++ financial strength and a long dividend\u2011paying history on participating whole life, plus a robust rider lineup for customization. In a higher\u2011rate environment, participating policies may benefit from improving dividend scales (not guaranteed); request current illustrations and review loan provisions and charges.\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_Insurance_MassMutual&#038;rvitemid=307811-20\" 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++<\/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\">See 2024 study*<\/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                MassMutual is a mutual insurer with A++ financial strength and a long dividend\u2011paying history on participating whole life, plus a robust rider lineup for customization. In a higher\u2011rate environment, participating policies may benefit from improving dividend scales (not guaranteed); request current illustrations and review loan provisions and charges.\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>Numerous riders and participating whole life options<\/li>\n                            <li>Superior AM Best financial strength<\/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 are not guaranteed; loan interest costs have risen with market rates<\/li>\n                                    <li>Fewer whole life types than other carriers<\/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\">OTHER LIFE PRODUCTS OFFERED<\/h4>\n                <div> <ul>\n<li>Term<\/li>\n<li>Universal<\/li>\n<li>Variable<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT FEATURES<\/h4>\n                <div> <ul>\n<li>Online life insurance calculator<\/li>\n<li>Online and in-person options<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"what-is-whole-life\" title=\"What Is Whole Life Insurance?\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">What Is Whole Life Insurance?<\/h2>\n\n\n\n<p>Whole life insurance is a type of permanent policy combining lifetime death benefit protection with a guaranteed cash value schedule. Many policies are participating, meaning they may pay non\u2011guaranteed dividends that can be taken in cash, used to reduce premiums, or to buy paid\u2011up additions (PUAs). Illustration governance has tightened under the revised actuarial standard for the NAIC Illustration Model (ASOP No. 24), effective for work on\/after 2025\u2014expect clearer disclosures around non\u2011guaranteed elements like dividends (<a href=\"https:\/\/www.actuarialstandardsboard.org\/asops\/compliance-with-the-naic-life-insurance-illustrations-model-regulation\/\">ASOP No. 24<\/a>).<\/p>\n\n\n\n<p>Whole life is designed to provide a guaranteed death benefit to your beneficiary and builds guaranteed cash value on a schedule. Policies also build <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/life\/cash-value\/\">cash value<\/a> that can provide liquidity via withdrawals or policy loans. In the current higher\u2011rate environment, dividends at many mutuals have strengthened, but policy loan interest costs have risen with market rates\u2014owners should review loan provisions and updated illustrations (<a href=\"https:\/\/fred.stlouisfed.org\/series\/DGS10\">interest rate context<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Benefits of Whole Life Insurance<\/h3>\n\n\n\n<p>Whole life insurance is popular for several reasons:&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Permanent coverage: <\/strong>Lifetime protection with guaranteed death benefit and guaranteed cash value if required premiums are paid; no need to renew coverage.<\/li>\n\n\n\n<li><strong>Dividend potential (participating policies): <\/strong>Many mutual insurers have long dividend\u2011paying histories, and higher portfolio yields have supported improving dividend outlooks heading into 2025 (dividends are not guaranteed; confirm current scale with your agent).<\/li>\n\n\n\n<li><strong>Steady premiums and simple guarantees:<\/strong> Premiums are typically level for life, and guarantees are clearly defined, which can simplify long\u2011term planning compared with more flexible permanent products.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Drawbacks of whole life insurance<\/h3>\n\n\n\n<p>While whole life policies can be great for many people, these policies have drawbacks:<\/p>\n\n\n\n<ul>\n<li><strong>Higher cost and early liquidity limits: <\/strong>Whole life\u2019s lifetime guarantees and savings component make premiums much higher than term for the same face amount, and early surrender values can be reduced by surrender charges.<\/li>\n\n\n\n<li><strong>Less flexibility and higher loan costs in a higher\u2011rate world: <\/strong>Design changes are limited versus universal life; dividends (if any) are not guaranteed, and policy loans accrue interest that has risen alongside market rates. Updated illustration standards (<a href=\"https:\/\/www.actuarialstandardsboard.org\/asops\/compliance-with-the-naic-life-insurance-illustrations-model-regulation\/\">ASOP No. 24<\/a>) emphasize clearer disclosure of these trade\u2011offs.<\/li>\n<\/ul>\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<\/h2>\n\n\n\n<ul>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/life\/about\/\">What is Life Insurance?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/term-vs-whole\/\">Whole Life vs. Term Life Insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/best-cheap\/\">The Best Cheap Life Insurance Companies<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/best\/\">The Best Life Insurance Companies&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/best-term\/\">The Best Term Life Insurance Companies<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_6267156b708db\" 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 is the average whole life insurance cost per month?<\/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;\">Premiums vary widely by age, health, face amount, and riders. Public quotes indicate that a healthy 30-year-old often pays several hundred dollars per month for $500,000 of whole life coverage (commonly in the $300\u2013$600+ range), while term life for the same person and face amount may cost around $15\u2013$30 per month depending on term length and insurer (<a href=\"https:\/\/www.policygenius.com\/life-insurance\/whole-life-insurance-rates\/\">whole life rates<\/a>; <a href=\"https:\/\/www.policygenius.com\/life-insurance\/life-insurance-rates\/\">term life rates<\/a>). Always request personalized illustrations from multiple carriers.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62671579708dc\" 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 is better: term life 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;\">It depends on your needs. Term life is usually the most affordable way to cover time\u2011bound obligations (e.g., income replacement during working years), often with a conversion option to permanent coverage within time\/age limits. Whole life provides lifetime coverage with guaranteed cash value and, for participating policies, potential dividends. Consider duration of need, affordability, convertibility, and liquidity via policy loans before choosing (<a href=\"https:\/\/content.naic.org\/sites\/default\/files\/inline-files\/Consumer%27s%20Guide%20to%20Life%20Insurance.pdf\">NAIC consumer guide<\/a>; <a href=\"https:\/\/www.finra.org\/investors\/insights\/life-insurance\">FINRA<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-are-the-different-types-of-life-insurance\">Insurance Information Institute<\/a>). Tax treatment differs for withdrawals\/loans and Modified Endowment Contracts (<a href=\"https:\/\/www.irs.gov\/publications\/p525\">IRS Pub. 525<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6267158e708dd\" 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 buy 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;\">Start by defining coverage amount and duration, then get multiple quotes and a full illustration (guaranteed vs. non\u2011guaranteed values). Many carriers offer e\u2011applications and accelerated underwriting for select whole life segments with lower face amounts, reflecting broader digital adoption in life insurance. For more complex needs or higher face amounts, an agent can compare illustrations across carriers and explain dividend scales, rider costs, and policy loans (<a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/insurance-industry-outlook.html\">insurance industry outlook<\/a>; <a href=\"https:\/\/www.limra.com\/en\/research\/research-abstracts-public\/2025-insurance-barometer-study\/\">consumer research<\/a>). Before you commit, check the insurer\u2019s AM Best rating and your state\u2019s latest NAIC complaint index.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\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>We evaluated life insurers on financial strength, participating whole life track record, customer experience, product depth (including riders), and consumer resources. We emphasize permanent-policy durability (claims\u2011paying ability), current consumer experience data, and non\u2011guaranteed element governance in illustrations.<\/p>\n\n\n\n<ul>\n<li><strong>Number of Riders: <\/strong>More riders can mean greater customization (e.g., accelerated death benefits, chronic illness\/LTC features, waiver of premium, paid\u2011up additions). Compare triggers, costs, and impact on policy values.<\/li>\n\n\n\n<li><strong>Financial Stability:<\/strong> Reviews.com utilized AM Best Financial Strength Ratings and criteria to assess claims\u2011paying ability; see <a href=\"https:\/\/www.ambest.com\/ratings\/guide-to-bests-credit-ratings.html\">AM Best\u2019s guide<\/a> and verify the current FSR on the carrier\u2019s site before purchase.<\/li>\n\n\n\n<li><strong>Customer Satisfaction: <\/strong>We used the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 Life Insurance Satisfaction Study<\/a> and consulted the <a href=\"https:\/\/content.naic.org\/consumer.htm\">NAIC Consumer Information Source<\/a> complaint index (median = 1.00) for recent complaint patterns. We also reviewed industry benchmarks from the <a href=\"https:\/\/www.theacsi.org\/industries\/finance-and-insurance\">ACSI Finance &amp; Insurance Study<\/a>.<\/li>\n\n\n\n<li><strong>Resources:<\/strong> We compared website functionality, phone availability, and mobile app options, including availability of online quotes\/e\u2011apps, policy information, and digital servicing, noting broader digitalization trends in life insurance.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Whole life insurance is permanent coverage designed to last your entire life if premiums are paid. Most whole life policies include guaranteed cash value; some are \u201cparticipating\u201d and may also pay non\u2011guaranteed dividends. Cash value can often be borrowed against or withdrawn, but loans accrue interest and reduce policy values. In today\u2019s market, dividend momentum [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":359483,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1270],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Whole Life Insurance Companies of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of whole life insurance looks at top names in the industry and highlights the factors you need to consider for this important decision.\" \/>\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-whole\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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