Financial strength and whole life excellence
America's largest direct
life insurer, 165+ years
Pays dividends every
year on whole life since 1872
Best Overall
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Compare Life Insurance Plans in the USA
Compare premiums, coverage options, and claims experience across America's leading life insurance providers to find the right policy for your family.
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Updated June 2026|8 providers compared|How we rank providers
Competitive term life premiums across all ages
Strong no-exam options
up to $1 million
OPTerm available in
terms from 10 to 40 years
Best Term Life Value
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Whole life dividends and family protection products
Haven Term: digital,
no-exam cover up to $3 million
Mutual company returns
profits as dividends
Best Families
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Flexible universal life and competitive term pricing
Pays most claims
within 14 days
A+ AM Best
rating for financial strength
Best Value for Money
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Instant online term life without a medical exam
100% online application,
no medical exam needed
Term policies from
10 to 30 years, up to $1.5 million
Best No-Exam Coverage
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Guaranteed issue and final expense coverage over 50
Final expense cover
from $2,000 to $25,000
Market leader in
guaranteed issue whole life for ages 45–85
Best Seniors
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Key person insurance and business continuity planning
Paid whole life
dividends for over 160 straight years
Comprehensive disability income
riders available
Best Business Owners
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Low-cost term life with long coverage periods
Competitive premiums, particularly
for ages 25 to 45
A+ AM Best
rating for financial strength
Best Affordability
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Providers shown are selected from our panel and ranked using our published methodology. Rankings are editorial and do not represent every provider in the market. How we compare providers
Comparison Genius is a comparison platform and does not provide financial or insurance advice. Quotes are provided by participating carriers and may vary based on underwriting, eligibility and individual circumstances. Products are underwritten by licensed insurance carriers authorized to operate in your state.