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Updated for 2026
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Top Pick
Northwestern Mutual

Northwestern Mutual

9.5/10
Financial strength and whole life excellence
  • America's largest direct life insurer with over 165 years of heritage and $2 trillion of life insurance in force
  • Premiums from $21/month for healthy non-smoking applicants
  • Consistently pays dividends on whole life policies — has done so every year since 1872
Banner Life (Legal & General America)

Banner Life (Legal & General America)

9.2/10
Competitive term life premiums across all ages
  • Consistently among the lowest term life premiums in the USA market
  • OPTerm policies available in 10, 15, 20, 25, 30, 35, and 40-year terms
  • Backed by Legal & General Group — one of the world's largest insurers
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1

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2

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3

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What US Customers Say

Comparing life insurance side by side made the difference between term and permanent cover finally make sense.

Jennifer Martinez

AUSTIN, TX

I got clear home insurance quotes without a wall of phone calls afterwards. That alone was worth it.

Robert Chen

SEATTLE, WA

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The renewal reminder made me review my auto policy rather than just letting it renew on its own.

Patricia Williams

CHICAGO, IL

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