{"id":325317,"date":"2025-11-07T18:36:44","date_gmt":"2025-11-07T23:36:44","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=98332"},"modified":"2025-11-07T18:36:44","modified_gmt":"2025-11-07T23:36:44","slug":"best-cheap","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/best-cheap\/","title":{"rendered":"The Best Cheap Life Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Cheap Life Insurance Companies Review \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>State Farm ranks highest in overall customer satisfaction in the <a href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power U.S. Individual Life Insurance Study, 2025<\/a> (1,000-point scale).<\/li><li>Rider availability is product- and state-specific. Both <a href=\"https:\/\/www.guardianlife.com\/life-insurance\/riders\" rel=\"noopener\" target=\"_blank\">Guardian Life<\/a> and <a href=\"https:\/\/www.nationwide.com\" rel=\"noopener\" target=\"_blank\">Nationwide<\/a> offer broad menus, but the \u201cbest\u201d set depends on your policy type and goals (e.g., living benefits, paid-up additions, chronic illness\/LTC).<\/li><li>Premiums reflect your mortality risk plus market factors. Age, health, sex, and nicotine status drive your risk class, while interest rates, expenses, and reinsurance\/profit loads also influence pricing. See current term benchmarks in the <a href=\"https:\/\/www.policygenius.com\/life-insurance\/life-insurance-price-index\/\" rel=\"noopener\" target=\"_blank\">Policygenius Life Insurance Price Index<\/a> and industry context from <a href=\"https:\/\/www.ambest.com\" rel=\"noopener\" target=\"_blank\">AM Best\u2019s Life\/Annuity outlook<\/a> and <a href=\"https:\/\/www.swissre.com\" rel=\"noopener\" target=\"_blank\">Swiss Re sigma 2024\/25<\/a>.<\/li><\/ul>\n\n\n\n<p>We identified affordable, reputable life insurance providers by combining third-party satisfaction benchmarks, financial strength ratings, and policy breadth. We referenced the <a href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power U.S. Individual Life Insurance Study, 2025<\/a> for carrier-level satisfaction, sector context from the <a href=\"https:\/\/www.theacsi.org\" rel=\"noopener\" target=\"_blank\">American Customer Satisfaction Index (ACSI)<\/a>, and financial-strength opinions from A.M. Best, S&amp;P, and Moody\u2019s. Based on this evidence, our top value picks include Guardian Life, Mutual of Omaha, State Farm, and Nationwide. Your final rate will vary by age, health, nicotine use, coverage design, and riders.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"The 4 Best Cheap Life Insurance Companies of 2021\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Cheap Life Insurance Companies<\/h2>\n\n\n\n<ul><li><a href=\"#guardian-life-insurance\" rel=\"nofollow\" class=\"achor-toggles\">Guardian Life<\/a>:  Best for Whole Life Customization and Online Tools <\/li><li><a href=\"#mutual-of-omaha\" rel=\"nofollow\" class=\"achor-toggles\">Mutual of Omaha<\/a>:  Best for Families Seeking Budget-Friendly Term and Simple Online Quotes <\/li><li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>:  Best for Customer Satisfaction and Agent Support<\/li><li><a href=\"#nationwide\" rel=\"nofollow\" class=\"achor-toggles\">Nationwide<\/a>:  Best for Variety of Policy Types and Living-Benefit Riders<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Compare The Best Cheap Life Insurance Companies of 2021\"><\/span>\n    \n\n\t\t\n<section id=\"block_60da116b7bd59\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare The Best Cheap Life Insurance Companies of 2021<\/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\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\tS&#038;P\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s (S&#038;P) rates creditworthiness for businesses, countries and cities that issue bonds.\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\tMoody&#8217;s\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tMoody\u2019s is an American financial services company that offers in-depth opinions on credit risks. Its ratings are based on a borrower\u2019s ability to make interest payments.\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\t<a href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power Customer Satisfaction<\/a>*\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_60da116b7bd59-1\">\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\">Guardian Life<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Aa2<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study<\/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_60da116b7bd59-2\">\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\">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+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A1<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study<\/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_60da116b7bd59-3\">\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>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Aa1<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Ranks highest (2025)<\/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_60da116b7bd59-4\">\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+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A1<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study<\/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>*J.D. Power U.S. Individual Life Insurance Study, 2025 (on a 1,000-point scale). See the latest rankings and scores on <a href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power\u2019s study page<\/a>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best Cheap Life Insurance Company Reviews <\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"guardian-life-insurance\" title=\"Guardian Life\"><\/span>\n    \n\n                                                \n\n\n<section id=\"guardian-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\">Guardian Life Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Guardian Life<\/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                Guardian pairs strong financial strength with robust whole life customization. Online tools (quote, coverage calculators) help you size coverage, and its rider suite emphasizes cash value and protection add\u2011ons (e.g., Paid\u2011Up Additions, Guaranteed Insurability, Waiver of Premium). Rider availability varies by state and policy; verify details on Guardian\u2019s rider page and your specific illustration.\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_Guardian_Life&#038;rvitemid=340735-20\" 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\">See 2025 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                Guardian pairs strong financial strength with robust whole life customization. Online tools (quote, coverage calculators) help you size coverage, and its rider suite emphasizes cash value and protection add\u2011ons (e.g., Paid\u2011Up Additions, Guaranteed Insurability, Waiver of Premium). Rider availability varies by state and policy; verify details on Guardian\u2019s rider page and your specific illustration.\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>Deep whole life rider menu (e.g., PUA, GIO, Waiver)<\/li>\n                            <li>Helpful digital tools for needs analysis<\/li>\n                        <\/ul>\n\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>Rider and product availability vary by state and policy type<\/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\">Products Offered <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Term life insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whole life insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Universal life insurance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Riders <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paid-Up Additions (PUA) rider<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guaranteed Insurability Option<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Waiver of Premium (disability)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Term blend\/additional insured options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental Death Benefit; Children\u2019s Term<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accelerated Death Benefit (terminal); chronic care where approved<\/span><\/li>\n<\/ul>\n<p style=\"margin-top:0.5rem;\">Availability varies by product and state. Learn more at <a href=\"https:\/\/www.guardianlife.com\/life-insurance\/riders\" target=\"_blank\" rel=\"noopener\">Guardian\u2019s rider page<\/a>.<\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"mutual-of-omaha\" title=\"Mutual of Omaha\"><\/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\"> Mutual of Omaha<\/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 blends strong financial strength with approachable products for families. It offers online quotes for select term and whole life options and provides core riders many shoppers want (e.g., Waiver of Premium, Children\u2019s Term, Accidental Death). Chronic illness benefits may be available on certain products and in approved states.\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\">See 2025 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 blends strong financial strength with approachable products for families. It offers online quotes for select term and whole life options and provides core riders many shoppers want (e.g., Waiver of Premium, Children\u2019s Term, Accidental Death). Chronic illness benefits may be available on certain products and in approved states.\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>Excellent third\u2011party financial ratings<\/li>\n                            <li>Online quotes for common coverage needs<\/li>\n                            <li>Core rider set for families (Waiver, Child, Accidental)<\/li>\n                        <\/ul>\n\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>Online purchase options may have lower coverage limits<\/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\">Products Offered <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Term life insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whole life insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Universal life insurance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Riders<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accelerated Death Benefit (terminal; often included)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Waiver of Premium (disability)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Children\u2019s Term rider<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental Death Benefit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chronic illness option on select products (state approval varies)<\/span><\/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=\"State Farm\"><\/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\"> State Farm<\/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                State Farm is a nationally recognized life insurer with a <a href=\"https:\/\/content.naic.org\/sites\/default\/files\/web_market_share_life_fraternal.pdf\" rel=\"noopener\" target=\"_blank\">meaningful market share<\/a> and top-tier customer satisfaction. It ranks highest overall in the <a href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power U.S. Individual Life Insurance Study, 2025<\/a>. State Farm offers straightforward term and whole life solutions with core riders; availability varies by state and product.\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\">Ranks highest (2025)<\/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                State Farm is a nationally recognized life insurer with a <a href=\"https:\/\/content.naic.org\/sites\/default\/files\/web_market_share_life_fraternal.pdf\" rel=\"noopener\" target=\"_blank\">meaningful market share<\/a> and top-tier customer satisfaction. It ranks highest overall in the <a href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power U.S. Individual Life Insurance Study, 2025<\/a>. State Farm offers straightforward term and whole life solutions with core riders; availability varies by state and product.\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 overall customer satisfaction (J.D. Power 2025)<\/li>\n                            <li>Agent support plus digital conveniences (e\u2011applications\/claims start)<\/li>\n                            <li>Online quotes for term life<\/li>\n                        <\/ul>\n\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 every rider is available in all states or products<\/li>\n                                        <li>Fewer specialized riders than some UL\/IUL-focused 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\">Products Offered <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Term life insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whole life insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Universal life insurance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Riders <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Level Term or Term rider (stack coverage)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Children\u2019s Term rider<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guaranteed Insurability Option<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Waiver of Premium or Waiver of Monthly Deduction<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accelerated Death Benefit (terminal; often included)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\"><span style=\"font-weight: 400;\">State Farm Auto Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Nationwide\"><\/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\"> Nationwide<\/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 offers one of the broadest product shelves among our picks, including term, whole, universal, indexed UL, and variable life. Its permanent policies emphasize living benefits and policy management features (e.g., chronic illness or LTC riders on select UL\/IUL, overloan protection, and no\u2011lapse guarantees), with self\u2011service account tools for payments, beneficiaries, and policy changes.\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\">See 2025 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                Nationwide offers one of the broadest product shelves among our picks, including term, whole, universal, indexed UL, and variable life. Its permanent policies emphasize living benefits and policy management features (e.g., chronic illness or LTC riders on select UL\/IUL, overloan protection, and no\u2011lapse guarantees), with self\u2011service account tools for payments, beneficiaries, and policy changes.\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>Broad permanent life lineup with living-benefit options<\/li>\n                            <li>Digital servicing for payments and policy updates<\/li>\n                            <li>Rider depth on UL\/IUL including chronic illness\/LTC options<\/li>\n                        <\/ul>\n\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>Medical exams may be required for higher amounts or certain products<\/li>\n                                        <li>Online quoting primarily for term; advisor support for complex designs<\/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\">Products Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Term life insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whole life insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Universal life insurance (including IUL)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Variable life insurance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Riders <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accelerated Death Benefit (terminal; often included)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chronic illness\/long-term care rider (select UL\/IUL; state approval varies)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Children\u2019s Term rider<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Waiver of Premium\/Monthly Deductions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overloan Protection; No\u2011Lapse Guarantee (product specific)<\/span><\/li>\n<\/ul>\n<p style=\"margin-top:0.5rem;\">See details at <a href=\"https:\/\/www.nationwide.com\" target=\"_blank\" rel=\"noopener\">Nationwide\u2019s rider page<\/a>.<\/p>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Nationwide Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/nationwide-insurance-review\/\"><span style=\"font-weight: 400;\">Nationwide Auto Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost\" title=\"What Affects the Cost of Life Insurance?\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">What Affects the Cost of Life Insurance?<\/h2>\n\n\n\n<p>Life insurance pricing reflects two layers: your individual mortality risk and market economics. At the personal level, age, health, sex, and nicotine status determine your underwriting class. At the market level, insurers price using the present value of expected claims minus investment income, plus expenses and a profit\/reinsurance margin\u2014so interest rates, expense loads, and reinsurance also influence premiums. See context from <a href=\"https:\/\/www.ambest.com\" target=\"_blank\" rel=\"noopener\">AM Best\u2019s 2025 Life\/Annuity outlook<\/a> and <a href=\"https:\/\/www.swissre.com\" target=\"_blank\" rel=\"noopener\">Swiss Re sigma 2024\/25<\/a>.<\/p>\n\n\n\n<p>What carriers usually consider: age, build (BMI), blood pressure and lipids, A1C\/glucose, medical history and prescriptions, family history, nicotine use (including vaping in many guidelines), driving record, and hazardous avocations\/occupations. Product design also matters: term length, face amount, and riders. Current market benchmarks show meaningful deltas by age and smoking status\u2014for example, typical 20\u2011year, $250,000 term quotes for healthy non\u2011smokers average about $17\/month (male 35) vs. about $42\/month (male 45), while mid\u2011age smoker rates commonly run 2.5\u20133.0\u00d7 non\u2011smoker prices. See current averages in the <a href=\"https:\/\/www.policygenius.com\/life-insurance\/life-insurance-price-index\/\" target=\"_blank\" rel=\"noopener\">Policygenius Life Insurance Price Index<\/a>. U.S. adult cigarette smoking has continued to decline, which is a favorable long\u2011run mortality trend (<a href=\"https:\/\/www.cdc.gov\" target=\"_blank\" rel=\"noopener\">CDC\/NCHS<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"how-best-cheap\" title=\"How to Get the Best Cheap Life Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">How to Get the Best Cheap Life Insurance<\/h2>\n\n\n\n<p>Timing, risk class, and product fit drive affordability. Apply while you\u2019re younger and healthy, avoid nicotine (many carriers require at least 12 months nicotine\u2011free for non\u2011smoker rates), and keep blood pressure\/lipids\/A1C within guideline targets. Choose the shortest term that still covers your obligations, and right\u2011size the face amount\u2014larger bands (e.g., $500k+) can reduce per\u2011$1,000 costs. Compare multiple carriers since underwriting appetites differ and can change quotes materially for the same coverage.<\/p>\n\n\n\n<p>Consider riders only if they address a specific need: Waiver of Premium to protect premiums during disability; Children\u2019s Term for modest child coverage; chronic illness\/LTC riders on permanent life if living\u2011benefit access is important. For term buyers who may want permanent coverage later, prioritize strong conversion provisions. Many insurers now use accelerated underwriting to waive exams for qualified applicants, shortening cycle times while targeting fully underwritten pricing\u2014see industry adoption in <a href=\"https:\/\/www.rgare.com\" target=\"_blank\" rel=\"noopener\">RGA\u2019s Global Underwriting Survey<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Affordable Life Insurance Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Affordable Life Insurance Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_61a943cf16568\" 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 cheapest type of 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>The cheapest type of life insurance is usually term life insurance, but actual prices depend on your age, risk class (health and nicotine status), and coverage design (term length, face amount, riders). Term provides temporary coverage at the lowest initial cost per dollar of death benefit; however, longer terms, higher amounts, return\u2011of\u2011premium features, or living\u2011benefit riders can materially increase the premium.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61a9446916569\" 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 the best life insurance company?<\/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>The best company depends on your priorities (price, riders, permanent vs. term, advisor support). Screen for strong financial strength (A or better from AM Best), compare quotes across multiple carriers, and consider satisfaction results from the <a href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" target=\"_blank\" rel=\"noopener\">J.D. Power U.S. Individual Life Insurance Study, 2025<\/a>. Sector\u2011level sentiment for &#8220;Life Insurance &amp; Annuities&#8221; is tracked by the <a href=\"https:\/\/www.theacsi.org\" target=\"_blank\" rel=\"noopener\">ACSI<\/a>, while complaint indices are available via the <a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"noopener\">NAIC CIS<\/a>.<\/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>Reviews\u2019 study of the best cheap life insurance company highlights insurers that balance strong customer experience, robust financial strength, and accessible coverage options. Financial strength ratings from A.M. Best, S&amp;P, and Moody\u2019s indicate an insurer\u2019s ongoing ability to meet obligations. We referenced agency definitions and verified ratings via each agency\u2019s search portals: <a href=\"https:\/\/ratings.ambest.com\/\" target=\"_blank\" rel=\"noopener\">AM Best Credit Rating Center<\/a>, <a href=\"https:\/\/disclosure.spglobal.com\/ratings\/en\/regulatory\/ratingslist\" target=\"_blank\" rel=\"noopener\">S&amp;P Global Ratings public Ratings List<\/a>, and <a href=\"https:\/\/ratings.moodys.com\/\" target=\"_blank\" rel=\"noopener\">Moody\u2019s Ratings search<\/a> (last checked 2025; confirm the legal underwriting entity and latest action date before purchase).<\/p>\n\n\n\n<p>Customer experience and satisfaction were evaluated using the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-individual-life-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 J.D. Power Individual Life Insurance Study<\/a>; our analysis is aligned to the most recent edition available at the time of writing, the <a href=\"https:\/\/www.jdpower.com\/business\/resource\/us-individual-life-insurance-study\" target=\"_blank\" rel=\"noopener\">J.D. Power U.S. Individual Life Insurance Study, 2025<\/a> (scores on a 1,000\u2011point scale). We also considered sector context from the <a href=\"https:\/\/www.theacsi.org\" target=\"_blank\" rel=\"noopener\">American Customer Satisfaction Index (ACSI)<\/a> and optional complaint indices from the <a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"noopener\">NAIC Consumer Information Source<\/a>. While these insurers stand out on the basis of these metrics, pricing is highly individualized. Compare multiple quotes to find the best value for your profile.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report State Farm ranks highest in overall customer satisfaction in the J.D. Power U.S. Individual Life Insurance Study, 2025 (1,000-point scale). Rider availability is product- and state-specific. Both Guardian Life and Nationwide offer broad menus, but the \u201cbest\u201d set depends on your policy type and goals (e.g., living benefits, paid-up additions, chronic illness\/LTC). Premiums [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":359395,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1270],"tags":[25609],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Cheap Life Insurance Companies - Reviews.com<\/title>\n<meta name=\"description\" content=\"Life insurance is a good investment. 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