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8 Best Life Insurance Companies Of 2025

Updated: Mar 3, 2025, 9:55am

Ashlee ValentineDeputy Editor, Insurance

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Written By

Ashlee Valentine

Ashlee ValentineDeputy Editor, Insurance

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Deputy Editor, Insurance

Expert Reviewed by

Tony SteuerLife Insurance Expert

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Expert Reviewed

Tony Steuer

Expert Reviewed by

Tony SteuerLife Insurance Expert

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Life Insurance Expert

& 1 other

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Pacific Life and Protective are the best life insurance companies, earning five stars in our analysis of term life and cash value policies from 15 companies. We used a database of more than 9,900 policies and scored key metrics important to life insurance buyers, including rates, policy costs, the company’s investment performance and financial strength, cash value and policy features.

Life insurance is one of the most impactful financial decisions you can make for your family. The right coverage means they’ll be financially taken care of after you’re gone. Plus, depending on the type of life insurance you buy, there may be benefits, such as cash value, that you can enjoy while you’re alive.

Table of Contents

Our Expert Picks

Pacific Life
Protective
Prudential
Lincoln Financial
MassMutual
Nationwide
Mutual of Omaha
Penn Mutual

Table of Contents

Best Life Insurance Companies
Best Term Life Insurance Companies
Best Universal Life Insurance Companies
Best No-Exam Life Insurance Companies
Cheapest Life Insurance Companies
How Much Does a Life Insurance Policy Cost?
Life Insurance Policies Available by Company
Methodology
Best Life Insurance Companies Frequently Asked Questions (FAQs)

Find The Best Life Insurance

Compare Life Insurance Quotes

Best Life Insurance Companies

Pacific Life – Best Overall
Protective – Best for Indexed Universal Life Insurance
Prudential – Great for Reliable Policy Illustrations
Lincoln Financial – Great for Variable Universal Life Insurance
MassMutual – Best for Financial Strength
Nationwide – Great for Young Adults
Mutual of Omaha – Best for Investment Performance
Penn Mutual – Best for Universal Life Insurance

BEST OVERALL

Pacific Life

Policies offered

Term, whole, universal, indexed universal, variable universal

Average term life cost (30-year-old buying 20-year, $250K policy)

Female: $128/year Male: $145/year

AM Best financial strength rating

A+ (Superior)

Via Forbes Advisor's Website

Term, whole, universal, indexed universal, variable universal

Female: $128/year Male: $145/year

A+ (Superior)

Our Expert Take

Pacific Life’s life insurance earned top marks in our analysis. We found that it has highly reliable illustrations. We also like that most of its policies build cash value relatively quickly.

For term life buyers, Pacific Life’s PL Promise Term policy offers low rates compared to competitors.

“Pacific Life has a long history of offering products with low costs and competitive investment options. However, the costs of some newer products can be higher, and some newer investment options have been underperforming expectations. As such, be sure to ask your financial advisor 1) whether internal policy costs are higher or lower than industry benchmarks, and 2) for the actual track record of recommended investment options,” advises Barry D. Flagg, founder of Veralytic and a Forbes Advisor board member.

More: Pacific Life Insurance Review

Consumer Sentiment Index

4.2

4.2/10Consumer Score

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

Consumer Sentiment Index

8,688

How do we calculate

We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5

Insights Analyzed

#7
Policy Options, Coverage & Riders
Ranked 7 out of 8

For Policy Options, Coverage & Riders

65% of people had positive sentiments

31% of people had neutral sentiments

4% of people had negative sentiments
65%

31%

4%
Ranked 7 out of 8

For Policy Options, Coverage & Riders
- 65% of people had positive sentiments
- 31% of people had neutral sentiments
- 4% of people had negative sentiments
#6
Submitting claims
Ranked 6 out of 8

For Submitting claims

22% of people had positive sentiments

14% of people had neutral sentiments

64% of people had negative sentiments
22%

14%

64%
Ranked 6 out of 8

For Submitting claims
- 22% of people had positive sentiments
- 14% of people had neutral sentiments
- 64% of people had negative sentiments
#2
Premiums & Policy Costs
Ranked 6 out of 8

For Premiums & Policy Costs

65% of people had positive sentiments

16% of people had neutral sentiments

19% of people had negative sentiments
65%

16%

19%
Ranked 6 out of 8

For Premiums & Policy Costs
- 65% of people had positive sentiments
- 16% of people had neutral sentiments
- 19% of people had negative sentiments
#4
Customer Service
Ranked 4 out of 8

For Customer Service

43% of people had positive sentiments

1% of people had neutral sentiments

56% of people had negative sentiments
43%

1%

56%
Ranked 4 out of 8

For Customer Service
- 43% of people had positive sentiments
- 1% of people had neutral sentiments
- 56% of people had negative sentiments

Pacific Life offers competitive rates on term life insurance policies and is generally considered a solid company. It appeals to those seeking affordable coverage with strong conversion options. But reports of poor customer service and communication issues have led to dissatisfaction among some customers.

Pros & Cons

Competitive term life insurance rates for smokers.
The website is informative, including important details for each policy offered.
Easy access to a Pacific Life representative through a contact form or toll free number to ask questions.

Conversion of term life policies is limited to universal life insurance.

Types of Life Insurance & Riders Available

Types of Life Insurance Sold

Term life
Whole life
Fixed-rate universal life
Indexed universal life
Variable universal life

Life Insurance Riders Available

Additional insurance rider
Child life insurance rider
Chronic illness rider
Early/enhanced cash value rider
Estate protection rider
Lapse protection rider
Long term care rider
Option to split/change/convert rider
Overloan protection rider
Return of premium rider
Spouse/other insured rider
Terminal illness accelerated death benefit rider
Waiver of monthly deduction rider

Availability of riders could depend on the type of policy.

BEST FOR INDEXED UNIVERSAL LIFE INSURANCE

Protective

Policies offered

Term, whole, universal, indexed universal, variable universal

Average term life cost (30-year-old buying 20-year, $250K policy)

Female: $127/year Male: $144/year

AM Best financial strength rating

A+ (Superior)

Via Forbes Advisor's Website

Term, whole, universal, indexed universal, variable universal

Female: $127/year Male: $144/year

A+ (Superior)

Our Expert Take

Protective’s indexed universal life insurance policies earned top marks in our analysis. We found that these policies are highly cost-competitive (including internal charges), and we’re impressed by the stellar historical investment performance underlying Protective’s indexed universal life policies. Strong investment performance helps keep policy costs low and fuels better cash value.

We also appreciate the low term life rates offered by Protective’s Classic Choice Term. It offers hard-to-find 35- and 40-year term options.

Forbes Advisor board member Barry D. Flagg warns that IUL promoters often (i.e., more than for any other product type) quote low premiums or project high account growth, giving the appearance of low costs while instead actually charging high costs with high risks of underperformance. On the other hand, Protectives IUL products are generally priced competitively and quoted based on reasonable performance expectations. The policies are also supported by generally superior performance of invested assets underlying policy account values, says Flagg.

More: Protective Life Insurance Review

Consumer Sentiment Index

4.0

4.0/10Consumer Score

Consumer Sentiment Index

8,688

How do we calculate

Insights Analyzed

#8
Policy Options, Coverage & Riders
Ranked 8 out of 8

For Policy Options, Coverage & Riders

55% of people had positive sentiments

20% of people had neutral sentiments

25% of people had negative sentiments
55%

20%

25%
Ranked 8 out of 8

For Policy Options, Coverage & Riders
- 55% of people had positive sentiments
- 20% of people had neutral sentiments
- 25% of people had negative sentiments
#7
Submitting claims
Ranked 7 out of 10

For Submitting claims

4% of people had positive sentiments

0% of people had neutral sentiments

96% of people had negative sentiments
4%

96%
Ranked 7 out of 10

For Submitting claims
- 4% of people had positive sentiments
- 0% of people had neutral sentiments
- 96% of people had negative sentiments
#8
Premiums & Policy Costs
Ranked 8 out of 8

For Premiums & Policy Costs

50% of people had positive sentiments

6% of people had neutral sentiments

44% of people had negative sentiments
50%

6%

44%
Ranked 8 out of 8

For Premiums & Policy Costs
- 50% of people had positive sentiments
- 6% of people had neutral sentiments
- 44% of people had negative sentiments
#8
Customer Service
Ranked 8 out of 8

For Customer Service

8% of people had positive sentiments

1% of people had neutral sentiments

91% of people had negative sentiments
8%

1%

91%
Ranked 8 out of 8

For Customer Service
- 8% of people had positive sentiments
- 1% of people had neutral sentiments
- 91% of people had negative sentiments

Protective Life is a strong option for term life insurance, particularly noted by healthy life insurance buyers for its competitive pricing and favorable underwriting. However, multiple users are reporting issues and dissatisfaction with their customer service and claims process, which raises significant concerns about its overall performance.

Pros & Cons

Choice of up to 7 cash value policies if you convert a Protective term life policy.
Superior historical performance of company investments helps keep premiums low.
Toll-free number is helpful for shoppers who are seeking quotes, need help applying or have policy questions.

Cash value accumulation may be moderately slow in the early years of a policy.
Policy-specific details are not easy to find on the company’s website, which can make shopping difficult.

Types of Life Insurance & Riders Available

Types of Life Insurance Sold

Term life
Whole life
Universal life
Indexed universal
Variable universal life

Life Insurance Riders Available

Accidental death benefit rider
Child life insurance rider
Chronic illness rider
Conversion choice with chronic illness rider
Disability rider
Guaranteed insurability rider
Income protection rider
Lapse protection rider
Overloan protection rider
Protected insurability rider
Return of premium rider
Terminal illness accelerated death benefit rider
Waiver of premium rider

Availability of riders could depend on the type of policy.

GREAT FOR RELIABLE POLICY ILLUSTRATIONS

Prudential

Policies offered

Term, whole, indexed universal

Average term life cost (30-year-old buying 20-year, $250K policy)

Female: $168/year Male: $185/year

AM Best financial strength rating

A+ (Superior)

Via Forbes Advisor's Website

Term, whole, indexed universal

Female: $168/year Male: $185/year

A+ (Superior)

Our Expert Take

One of the reasons Prudential earned a top spot in our rankings was its highly reliable policy illustrations compared to the competitors we analyzed. This is especially important because whether you’re a young buyer who will likely hold a policy for many years or an older buyer who may not have the policy as long, having reliable expectations of funding requirements and cash value growth can help you develop a better financial plan.

Forbes Advisor board member Barry D. Flagg, founder of Veralytic, notes that regulations in many states permit insurers to quote low premiums or project high account growth, giving the appearance of low costs while instead actually charging high costs with high risks of underperformance. However, Prudential earns high ratings from Veralytic for more dependable premium quotes and more reliable illustrations of cash value growth, in addition to high ratings for competitive internal policy costs and financial strength.

Prudential’s Term Essential policy doesn’t offer as many term length options as other top companies (only 10-, 15-, 20- and 30-year), but its term life rates are competitive.

More: Prudential Life Insurance Review

Consumer Sentiment Index

4.6

4.6/10Consumer Score

Consumer Sentiment Index

8,688

How do we calculate

Insights Analyzed

#2
Policy Options, Coverage & Riders
Ranked 2 out of 8

For Policy Options, Coverage & Riders

49% of people had positive sentiments

36% of people had neutral sentiments

15% of people had negative sentiments
49%

36%

15%
Ranked 2 out of 8

For Policy Options, Coverage & Riders
- 49% of people had positive sentiments
- 36% of people had neutral sentiments
- 15% of people had negative sentiments
#2
Submitting claims
Ranked 2 out of 8

For Submitting claims

15% of people had positive sentiments

6% of people had neutral sentiments

79% of people had negative sentiments
15%

6%

79%
Ranked 2 out of 8

For Submitting claims
- 15% of people had positive sentiments
- 6% of people had neutral sentiments
- 79% of people had negative sentiments
#7
Premiums & Policy Costs
Ranked 7 out of 8

For Premiums & Policy Costs

34% of people had positive sentiments

22% of people had neutral sentiments

44% of people had negative sentiments
34%

22%

44%
Ranked 7 out of 8

For Premiums & Policy Costs
- 34% of people had positive sentiments
- 22% of people had neutral sentiments
- 44% of people had negative sentiments
#3
Customer Service
Ranked 3 out of 8

For Customer Service

15% of people had positive sentiments

5% of people had neutral sentiments

80% of people had negative sentiments
15%

5%

80%
Ranked 3 out of 8

For Customer Service
- 15% of people had positive sentiments
- 5% of people had neutral sentiments
- 80% of people had negative sentiments

Customers enjoy Prudential’s financial stability and vast policy options. While some report appreciating competitive rates and underwriting leniency, others are disappointed in claim denials and delays, poor communication and a lack of responsiveness.

Pros & Cons

Solid and reliable financial strength.
Cash value policy costs are low compared to most competitors.
Important policy-specific details are available on the Prudential website.

Not all of Prudential’s permanent policies build cash value well early on in the policy.
The historical performance of the company’s investments have been poor, which can impact the cash value growth of some policies.
Customer service number targets existing customers, which is not helpful to non-customers with policy questions.

Types of Life Insurance & Riders Available

Types of Life Insurance Sold

Term life
Whole life
Indexed universal life

Life Insurance Riders Available

Accidental death benefit rider
Child life insurance rider
Chronic and terminal illness rider
Disability rider
Early/enhanced cash value rider
Estate protection rider
Guaranteed policy split rider
Lapse protection rider
Overloan protection rider
Waiver of monthly deductions
Waiver of premium rider

Availability of riders could depend on the type of policy.

GREAT FOR VARIABLE UNIVERSAL LIFE INSURANCE

Lincoln Financial

Policies offered

Term, guaranteed universal, variable universal, fixed-rate universal, indexed universal

Average term life cost (30-year-old buying 20-year, $250K policy)

Female: $134/year Male: $152/year

AM Best financial strength rating

A (Excellent)

Via Forbes Advisor's Website

Term, guaranteed universal, variable universal, fixed-rate universal, indexed universal

Female: $134/year Male: $152/year

A (Excellent)

Our Expert Take

We like Lincoln Financial for its reliable policy illustrations for people considering a variable universal life policy. These illustrations give a view of potential future growth and costs within a policy, which gives you some help in financial planning.

Term rates are competitive for Lincoln Financial’s TermAccel policy, but the maximum issue age of 60 is lower than most other top companies. Term lengths are also limited to four options (10-, 15-, 20- and 30-year), compared to most other top companies in our analysis.

Barry D. Flagg, Forbes Advisor board member, also observes that “Lincoln Financial offers a number of joint life products [also called survivorship life insurance] that are among the lowest in cost, among the most stable in pricing, and that have a wide spectrum of different investment options and risk profiles for estate plans with different risk tolerances.”

More: Lincoln Financial Life Insurance Review

Consumer Sentiment Index

4.2

4.2/10Consumer Score

Consumer Sentiment Index

8,688

How do we calculate

Insights Analyzed

#3
Policy Options, Coverage & Riders
Ranked 3 out of 8

For Policy Options, Coverage & Riders

55% of people had positive sentiments

32% of people had neutral sentiments

13% of people had negative sentiments
55%

32%

13%
Ranked 3 out of 8

For Policy Options, Coverage & Riders
- 55% of people had positive sentiments
- 32% of people had neutral sentiments
- 13% of people had negative sentiments
#3
Submitting claims
Ranked 3 out of 8

For Submitting claims

6% of people had positive sentiments

14% of people had neutral sentiments

80% of people had negative sentiments
6%

14%

80%
Ranked 3 out of 8

For Submitting claims
- 6% of people had positive sentiments
- 14% of people had neutral sentiments
- 80% of people had negative sentiments
#5
Premiums & Policy Costs
Ranked 5 out of 8

For Premiums & Policy Costs

56% of people had positive sentiments

16% of people had neutral sentiments

28% of people had negative sentiments
56%

16%

28%
Ranked 5 out of 8

For Premiums & Policy Costs
- 56% of people had positive sentiments
- 16% of people had neutral sentiments
- 28% of people had negative sentiments
#6
Customer Service
Ranked 6 out of 8

For Customer Service

22% of people had positive sentiments

6% of people had neutral sentiments

72% of people had negative sentiments
22%

6%

72%
Ranked 6 out of 8

For Customer Service
- 22% of people had positive sentiments
- 6% of people had neutral sentiments
- 72% of people had negative sentiments

Lincoln Financial offers competitive rates and good underwriting experiences but their customer service and claims processes have faced significant criticism. Many customers have expressed frustration over delays.

Pros & Cons

Relatively low internal policy costs for Lincoln’s permanent policies.
Website is helpful, including policy details important to shoppers.

Access to cash value early on in policies is poor.
Investment performance has only been so-so, affecting cash value growth.
Non-customers may find it difficult to speak with someone about general policy questions.

Types of Life Insurance & Riders Available

Types of Life Insurance Sold

Term life
Variable universal life
Fixed-rate universal life
Indexed universal life

Life Insurance Riders Available

Additional insurance rider
Child life insurance rider
Chronic illness rider
Critical illness rider
Early/enhanced cash value rider
Estate protection rider
Lapse protection rider
Long term care rider
Option to split/change/convert rider
Overloan protection rider
Return of premium rider
Spouse/other insured rider
Terminal illness accelerated death benefit rider
Waiver of monthly deduction rider

Availability of riders could depend on the type of policy.

BEST FOR FINANCIAL STRENGTH

MassMutual

Policies offered

Term, whole, universal, variable universal

Average term life cost (30-year-old buying 20-year, $250K policy)

Female: $158/year Male: $175/year

AM Best financial strength rating

A++ (Superior)

Via Forbes Advisor's Website

Term, whole, universal, variable universal

Female: $158/year Male: $175/year

A++ (Superior)

Our Expert Take

We like MassMutual for its enviable superior financial strength. This can give confidence to buyers who intend to hold their policies for many decades. It also supports the ability to grow cash value faster.

Forbes Advisor board member Barry D. Flagg says, “MassMutual’s whole life policies can be great for those seeking safety and security, given MassMutual’s high ratings for financial strength and claims-paying ability.

Consumer Sentiment Index

5.6

5.6/10Consumer Score

Consumer Sentiment Index

8,688

How do we calculate

Insights Analyzed

#1
Policy Options, Coverage & Riders
Ranked 1 out of 8

For Policy Options, Coverage & Riders

52% of people had positive sentiments

35% of people had neutral sentiments

13% of people had negative sentiments
52%

35%

13%
Ranked 1 out of 8

For Policy Options, Coverage & Riders
- 52% of people had positive sentiments
- 35% of people had neutral sentiments
- 13% of people had negative sentiments
#5
Submitting claims
Ranked 5 out of 8

For Submitting claims

25% of people had positive sentiments

8% of people had neutral sentiments

67% of people had negative sentiments
25%

8%

67%
Ranked 5 out of 8

For Submitting claims
- 25% of people had positive sentiments
- 8% of people had neutral sentiments
- 67% of people had negative sentiments
#1
Premiums & Policy Costs
Ranked 1 out of 8

For Premiums & Policy Costs

47% of people had positive sentiments

15% of people had neutral sentiments

38% of people had negative sentiments
47%

15%

38%
Ranked 1 out of 8

For Premiums & Policy Costs
- 47% of people had positive sentiments
- 15% of people had neutral sentiments
- 38% of people had negative sentiments
#5
Customer Service
Ranked 5 out of 8

For Customer Service

22% of people had positive sentiments

7% of people had neutral sentiments

71% of people had negative sentiments
22%

7%

71%
Ranked 5 out of 8

For Customer Service
- 22% of people had positive sentiments
- 7% of people had neutral sentiments
- 71% of people had negative sentiments

MassMutual is often noted for its robust whole life policies and strong financial stability, making it a reputable choice for those interested in permanent life insurance. However, there are concerns about its customer service and the complexity of its term life insurance offerings.

Pros & Cons

Cash value builds well early in variable universal and whole life policies.
Policy illustrations for variable universal policies are very reliable.

Internal policy costs for cash value policies are high.
Policy illustrations for whole life policies are not highly reliable.
Term life rates are average.

Types of Life Insurance & Riders Available

Types of Life Insurance Sold

Term life
Whole life
Universal life
Variable universal life

Life Insurance Riders Available

Additional insurance rider
Catastrophic disability rider
Early/enhanced cash value rider
Estate protection rider
Guaranteed insurability rider
Lapse protection rider
Long-term care rider
Option to split/change/convert rider
Overloan protection rider
Terminal illness accelerated death benefit rider
Waiver of premium rider

Availability of riders could depend on the type of policy.

GREAT FOR YOUNG ADULTS

Nationwide

Policies offered

Term, whole, indexed universal, guaranteed universal, variable universal

Average term life cost (30-year-old buying 20-year, $250K policy)

Female: $173/year Male: $180/year

AM Best financial strength rating

A+ (Superior)

Via Forbes Advisor's Website

Term, whole, indexed universal, guaranteed universal, variable universal

Female: $173/year Male: $180/year

A+ (Superior)

Our Expert Take

Nationwide stood out in our analysis for its reliable policy illustrations. This is especially important for young buyers who will likely be holding a policy for many decades and who want a reliable prediction of cash value.

Barry D. Flagg, Forbes Advisor board member, says, “Nationwide products can be great for young adults, given its history of low and stable costs. Young adults can also benefit from Nationwide’s wide selection of investment options, covering almost every different asset class from equities to fixed income, large cap to small cap, growth to value, domestic to foreign, etc.”

Nationwide’s internal costs for cash value policies are not the lowest in our analysis, but they are still moderately low. Flagg cautions that restrictions on accessing cash value (or surrender charges) can be higher in Nationwide products, but such restrictions can encourage long-term growth of cash value.

In addition, Nationwide recently introduced a new fee-based product with no such restrictions on access to policy account values. Such fee-based products are designed to compensate CFPs and other financial planners for ongoing monitoring and planning beyond just placement of the policy, which can be particularly important for young adults often with less financial experience and therefore needing more financial guidance.

Nationwide’s Guaranteed Level term life policy rates are low, though term length options are more limited (10-, 15-, 20- and 30-year) than those of some other top companies.

More: Nationwide Life Insurance Review

Consumer Sentiment Index

6.0

6.0/10Consumer Score

Consumer Sentiment Index

8,688

How do we calculate

Insights Analyzed

#6
Policy Options, Coverage & Riders
Ranked 6 out of 8

For Policy Options, Coverage & Riders

61% of people had positive sentiments

33% of people had neutral sentiments

6% of people had negative sentiments
61%

33%

6%
Ranked 6 out of 8

For Policy Options, Coverage & Riders
- 61% of people had positive sentiments
- 33% of people had neutral sentiments
- 6% of people had negative sentiments
#2
Submitting claims
Ranked 1 out of 8

For Submitting claims

75% of people had positive sentiments

20% of people had neutral sentiments

5% of people had negative sentiments
75%

20%

5%
Ranked 1 out of 8

For Submitting claims
- 75% of people had positive sentiments
- 20% of people had neutral sentiments
- 5% of people had negative sentiments
#2
Premiums & Policy Costs
Ranked 2 out of 8

For Premiums & Policy Costs

75% of people had positive sentiments

20% of people had neutral sentiments

5% of people had negative sentiments
75%

20%

5%
Ranked 2 out of 8

For Premiums & Policy Costs
- 75% of people had positive sentiments
- 20% of people had neutral sentiments
- 5% of people had negative sentiments
#1
Customer Service
Ranked 1 out of 8

For Customer Service

72% of people had positive sentiments

12% of people had neutral sentiments

16% of people had negative sentiments
72%

12%

16%
Ranked 1 out of 8

For Customer Service
- 72% of people had positive sentiments
- 12% of people had neutral sentiments
- 16% of people had negative sentiments

Nationwide Mutual Insurance Co. is recognized for offering competitive life insurance products with multiple options, allowing customers to customize products to meet their needs. Many users appreciate the easy online application process and customer support, but others have reported issues with outdated payment methods and contradictory information during claims processing.

Pros & Cons

Wide variety of life insurance riders available.
Website is shopper-friendly, with the option to view guides with detailed product information.

Nationwide’s investments have historically performed poorly compared to competitors. This can lead to higher costs within permanent policies.
Cash value growth may be slow on some policies.

Types of Life Insurance & Riders Available

Types of Life Insurance Sold

Term life
Whole life
Indexed universal life
Guaranteed universal life
Variable universal life

Life Insurance Riders Available

Accidental death benefit rider
Children’s term insurance rider
Chronic illness rider
Critical illness rider
Early/enhanced cash value rider
Estate protection rider
Guaranteed insurability rider
Lapse protection rider
Long term care rider
Overloan protection rider
Return of premium rider
Terminal illness accelerated death benefit rider
Waiver of monthly deduction rider
Premium waiver rider

Availability of riders could depend on the type of policy.

BEST FOR INVESTMENT PERFORMANCE

Mutual of Omaha

Policies offered

Term, whole, universal, indexed universal

Average term life cost (30-year-old buying 20-year, $250K policy)

Female: $155/year Male: $170/year

AM Best financial strength rating

A+ (Superior)

Via Forbes Advisor's Website

Term, whole, universal, indexed universal

Female: $155/year Male: $170/year

A+ (Superior)

Our Expert Take

Mutual of Omaha stands out from competitors in our analysis thanks to its excellent historical investment performance, which means the potential for strong cash value growth. We also like its low internal policy costs for cash value policies.

Rates for Mutual of Omaha’s term life insurance policy, Term Life Answers, are average, but it shares many of the same features as other top companies, such as high coverage amounts, accelerated death benefits, renewability and the option to convert to a permanent policy.

Veralytic founder and Forbes Advisor board member Barry D. Flagg says, “Mutual of Omaha consistently receives high-marks for performance of their general account portfolio of high-grade bonds and government backed mortgages. Performance of the general account drives performance of universal life (UL) crediting rates, whole life (WL) dividend interest rates and even the amount of the “options budget” critical to performance of indexed universal life (IUL) type products. Mutual of Omaha is also highly-rated for financial strength and claims-paying ability and competitiveness of internal policy costs.

More: Mutual of Omaha Life Insurance Review

Consumer Sentiment Index

4.8

4.8/10Consumer Score

Consumer Sentiment Index

8,688

How do we calculate

Insights Analyzed

#4
Policy Options, Coverage & Riders
Ranked 4 out of 8

For Policy Options, Coverage & Riders

48% of people had positive sentiments

15% of people had neutral sentiments

37% of people had negative sentiments
48%

15%

37%
Ranked 4 out of 8

For Policy Options, Coverage & Riders
- 48% of people had positive sentiments
- 15% of people had neutral sentiments
- 37% of people had negative sentiments
#4
Submitting claims
Ranked 4 out of 8

For Submitting claims

24% of people had positive sentiments

1% of people had neutral sentiments

75% of people had negative sentiments
24%

1%

75%
Ranked 4 out of 8

For Submitting claims
- 24% of people had positive sentiments
- 1% of people had neutral sentiments
- 75% of people had negative sentiments
#4
Premiums & Policy Costs
Ranked 4 out of 8

For Premiums & Policy Costs

38% of people had positive sentiments

17% of people had neutral sentiments

45% of people had negative sentiments
38%

17%

45%
Ranked 4 out of 8

For Premiums & Policy Costs
- 38% of people had positive sentiments
- 17% of people had neutral sentiments
- 45% of people had negative sentiments
#2
Customer Service
Ranked 2 out of 8

For Customer Service

17% of people had positive sentiments

4% of people had neutral sentiments

79% of people had negative sentiments
17%

4%

79%
Ranked 2 out of 8

For Customer Service
- 17% of people had positive sentiments
- 4% of people had neutral sentiments
- 79% of people had negative sentiments

Customer feedback regarding Mutual of Omaha is a mixed bag of positive and negative. Reports of competitive rates and simple underwriting are common, but so are concerns about poor communication, long claims processes, unexpected rate increases and poor claims handling.

Pros & Cons

Reliable financial strength indicates Mutual of Omaha’s ability to pay future claims.
Intuitive website includes a tool to narrow down the available policy types.
Website virtual assistant is helpful, attempts to answer questions and then offers shoppers the option to text or chat with an agent.

Policy illustrations can be unreliable, so it can be hard to have confidence in future internal policy costs or cash value growth.
Not all Mutual of Omaha permanent policies have early cash value growth.
Website lacks policy-specific details shoppers need.

Types of Life Insurance & Riders Available

Types of Life Insurance Sold

Term life
Whole life
Universal life
Indexed universal life

Life Insurance Riders Available

Accidental death benefit rider
Additional insured term rider
Child life insurance rider
Chronic illness rider
Critical illness rider
Disability rider
Guaranteed insurability rider
Lapse protection rider
Long term care rider
Overloan protection rider
Return of premium rider
Spouse or other insured rider
Terminal illness accelerated death benefit or nursing home confinement rider
Waiver of surrender charges rider

Availability of riders could depend on the type of policy.

BEST FOR UNIVERSAL LIFE INSURANCE

Penn Mutual

Policies offered

Term, whole, guaranteed universal, variable universal, indexed universal

Average term life cost (30-year-old buying 20-year, $250K policy)

Female: $127/year Male: $145/year

AM Best financial strength rating

A+ (Superior)

Via Forbes Advisor's Website

Term, whole, guaranteed universal, variable universal, indexed universal

Female: $127/year Male: $145/year

A+ (Superior)

Expert Takes

Penn Mutual’s universal life (UL) insurance policies offer a great combination of financial strength, competitive internal policy costs and superior historical investment performance. We think buyers will like the ability to maximize their death benefits for the premiums paid for the UL policies.

We are also impressed by Penn Mutual’s low rates for its non-convertible term life policy, although rates are much higher for its convertible option. In contrast to most other top companies, we noticed that no accelerated death benefit is mentioned for its non-convertible term policy.

Forbes Advisor board member Barry D. Flagg observes that “Penn Mutual is one of the highest-rated insurers for financial strength and claims-paying ability. It offers universal life products with broadly competitive internal policy costs across most ages, health risk classes and face amounts. Penn Mutual also offers generally reliable quotes and policy illustrations, good access to cash value in some of its products and superior historical performance of invested assets underlying policy account values.”

More: Penn Mutual Life Insurance Review

Consumer Sentiment Index

4.4

4.4/10Consumer Score

Consumer Sentiment Index

8,688

How do we calculate

Insights Analyzed

#5
Policy Options, Coverage & Riders
Ranked 5 out of 8

For Policy Options, Coverage & Riders

75% of people had positive sentiments

15% of people had neutral sentiments

10% of people had negative sentiments
75%

15%

10%
Ranked 5 out of 8

For Policy Options, Coverage & Riders
- 75% of people had positive sentiments
- 15% of people had neutral sentiments
- 10% of people had negative sentiments
#8
Submitting claims
Ranked 8 out of 8

For Submitting claims

0% of people had positive sentiments

0% of people had neutral sentiments

100% of people had negative sentiments
100%
Ranked 8 out of 8

For Submitting claims
- 0% of people had positive sentiments
- 0% of people had neutral sentiments
- 100% of people had negative sentiments
#3
Premiums & Policy Costs
Ranked 3 out of 8

For Premiums & Policy Costs

74% of people had positive sentiments

13% of people had neutral sentiments

13% of people had negative sentiments
74%

13%

13%
Ranked 3 out of 8

For Premiums & Policy Costs
- 74% of people had positive sentiments
- 13% of people had neutral sentiments
- 13% of people had negative sentiments
#7
Customer Service
Ranked 7 out of 8

For Customer Service

14% of people had positive sentiments

9% of people had neutral sentiments

77% of people had negative sentiments
14%

9%

77%
Ranked 7 out of 8

For Customer Service
- 14% of people had positive sentiments
- 9% of people had neutral sentiments
- 77% of people had negative sentiments

Penn Mutual is known for competitive term life insurance rates and conversion options to permanent life insurance. Consumers enjoy the fact that the company offers a variety of life insurance products and accelerated underwriting. However, many users have reported mixed experiences with customer service and dissatisfaction with the claims process.

Pros & Cons

Very competitive rates for non-convertible term life insurance.
Term life conversion is available to any Penn Mutual permanent life insurance policy.
The company’s investments have performed well.

Pricey rates for term life that is convertible to permanent life insurance.
Policy illustration reliability is generally poor.
Not all permanent policies build cash value well early on.
Website lacks policy details and is not helpful for shoppers.

Types of Life Insurance & Riders Available

Types of Life Insurance Sold

Term life
Whole life
Guaranteed universal life
Variable universal life
Indexed universal life

Life Insurance Riders Available

Accidental death benefit rider
Accelerated permanent paid-up additions rider
Child life insurance rider
Chronic illness rider
Disability rider
Early/enhanced cash value rider
Estate protection rider
Guaranteed insurability rider
Lapse protection rider
Overloan protection rider
Policy split option rider
Return of premium rider
Supplemental exchange rider
Terminal illness accelerated death benefit rider
Waiver of monthly deduction rider
Waiver of premium rider
Waiver of surrender charges rider

Availability of riders could depend on the type of policy.

Best Term Life Insurance Companies

We found that Corebridge Financial, Pacific Life, Protective and Symetra offer the best term life insurance. Term life insurance is ideal for covering finite financial concerns, like the years until retirement.

Best Universal Life Insurance Companies

Penn Mutual is the best universal life insurance company in our analysis. Universal life insurance offers the flexibility of adjustable premium payments, within certain parameters, and a flexible death benefit amount.

Best No-Exam Life Insurance Companies

Brighthouse Financial, Legal & General America, Pacific Life and Transamerica are the best companies in our no-exam life insurance analysis. No-exam life insurance offers the convenience of skipping the medical exam typically required by traditional life insurance.

Cheapest Life Insurance Companies

Symetra is our top pick for the cheapest life insurance company, based on our analysis of term life insurance rates.

Tony Steuer

Advisory Board Member

Ashlee Valentine

Insurance Editor

Amy Danise

Insurance Managing Editor

Establish your financial goals

Once you know your goals, then find the policy that’s right for you. An experienced life insurance agent can help you find the right company and policy. Insurance companies vary in their underwriting criteria and pricing, so while one company can be good for one person, another company might be better for you.

Tony Steuer

Advisory Board Member

Check financial strength ratings

I always make sure the companies I’m considering have an A rating or higher for financial strength. These ratings are available from agencies like AM Best and Standard & Poor’s and help me identify companies that will be able to pay claims many years in the future. That’s why all the companies in our analysis are rated A or higher.

Ashlee Valentine

Insurance Editor

Work with experienced professionals

I’ve found it’s essential to work with an experienced life insurance agent or financial advisor who knows which insurers are most likely to give the best price based on age and health. You want to know if you have a good chance of getting a decent quote from an insurer before you apply. A good life insurance agent or financial advisor can also anonymously shop around for you, so you don’t get declined—which can affect your ability to buy life insurance later from someone else.

Amy Danise

Insurance Managing Editor

How Much Does a Life Insurance Policy Cost?

Here is the average cost of life insurance for different types of policies, though your own life insurance rates will depend on your age, health, gender, amount of coverage and more.

Term life insurance costs an average of $217 a year, or $18 a month, for a 30-year-old woman for a 20-year, $500,000 term life insurance policy, based on the companies in our analysis. For a male buyer of the same age, the same policy costs an average of $257 a year or $21 a month.
Whole life insurance costs an average of $3,945 a year, or $329 a month, for a 30-year-old woman with $500,000 coverage. For a male buyer the same age, the same policy costs an average of $4,375 a year or $365 a month.

Life Insurance Cost for Females

Here are the average monthly costs for each top-ranking life insurance company for a 20-year $500,000 term life insurance policy for a healthy female.

Company	Buyer age 30 cost per month	Buyer age 40 cost per month	Buyer age 50 cost per month
Protective	$16	$23	$53
Pacific Life	$16	$24	$54
Prudential	$21	$29
Lincoln Financial	$16	$26	$58
MassMutual	$19	$28	$61
Nationwide	$19	$26	$55
Mutual of Omaha	$20	$28	$61
Penn Mutual	$15	$23	$53

Life Insurance Cost for Males

Here are the average monthly costs for each top-ranking life insurance company for a 20-year $500,000 term life insurance policy for a healthy male.

Company	Buyer age 30 cost per month	Buyer age 40 cost per month	Buyer age 50 cost per month
Protective	$18	$28	$68
Pacific Life	$18	$28	$69
Prudential	$24	$33	$71
Lincoln Financial	$19	$32	$75
MassMutual	$23	$31	$80
Nationwide	$22	$30	$74
Mutual of Omaha	$22	$33	$82
Penn Mutual	$18	$28	$68

Life Insurance Policies Available by Company

Company	Term life	Whole life	Universal life	Indexed universal life	Variable universal life	Guaranteed universal life
Pacific Life	✓	✓	✓	✓	✓	✖
Protective	✓	✓	✓	✖	✓	✖
Prudential	✓	✓	✖	✓	✖	✖
Lincoln Financial	✓	✖	✖	✓	✓	✓
MassMutual	✓	✓	✓	✖	✓	✖
Nationwide	✓	✓	✖	✓	✓	✓
Mutual of Omaha	✓	✓	✓	✓	✖	✖
Penn Mutual	✓	✓	✖	✓	✓	✓

Related: How To Get Life Insurance

Amy Danise

Insurance Managing Editor

Les Masterson

Insurance Editor

Michelle Megna

Insurance Lead Editor

I’m a skydiving hobbyist. Will this impact my life insurance options?

– John R., Cincinnati, Ohio

Insurers consider your risk of dying while skydiving to be significantly higher than if you did not skydive, and, therefore, they may give you higher quotes or deny your application entirely. Honesty is always best when it comes to life insurance, so do not be dishonest about your hobby. Instead, work with an independent agent to find insurers that are most likely to offer the best quotes for high-risk life insurance.

Amy Danise

Insurance Managing Editor

How can I ensure my life insurance death benefit is left to a charity after I’m gone?

-Agatha W., Lawrence, Kansas

There are a couple ways to donate your life insurance death benefit to a charity of your choice. You can name the charity as the beneficiary or transfer the ownership of the policy to a charity. There are pros and cons to each option. Check with the charity about its preference—it may not want to become the policy owner.

Les Masterson

Insurance Editor

I’m 25 and have been told I shouldn’t spend money on life insurance right now because my odds of needing it are low. Am I too young to need life insurance?

-Abby M., Provo, Utah

Although your odds of dying are indeed low at 25, the best time to buy life insurance is when you’re young. Buying now allows you to lock in rates lower than you’ll ever be eligible for again. With every year you age, the rates you qualify for will be higher, and your odds of developing medical conditions will increase, which will also increase your rates when you buy a policy. Of course, it’s up to you if it makes financial sense to lock in at a low rate now.

Michelle Megna

Insurance Lead Editor

Compare Life Insurance Companies

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Methodology

To find the best life insurance companies, we evaluated term life and permanent life insurance for each company. We used our own research and data courtesy of Veralytic, a leading publisher of life insurance product research. Veralytic’s data provides a unique depth to Forbes Advisor’s analysis of whole, universal, indexed universal and variable universal life insurance policies from each insurer.

While independent research is commonplace for most every other element of our financial lives, life insurance product recommendations are too often based on hypothetical quotes or illustrations. What you pay in premiums and what you get in cash value and death benefits depends on what the insurance company actually charges and what you actually receive in performance over time. As such, Veralytic measures the competitiveness of internal policy costs and actual historical performance. Veralytic reports are available through financial advisors.

Our analysis was based on the following.


	Term life insurance rates (30% of score): Because price is the primary concern of many term life insurance shoppers, we gave more weight to this category. We scored costs based on each company’s rates for 30- and 40-year-old men and women for 10, 20 and 30 terms and for coverage amounts of $250,000, $500,000, $1 million and $2 million. Source: Forbes Advisor research.
	Complaints (10% of score): A low complaint level can indicate satisfied customers. Companies with a higher than average complaint index were eliminated. Source: National Association of Insurance Commissioners.
	Term life guaranteed renewability (5% of score): Companies earned points if their term life policies can be renewed at the end of the level term period. Source: Forbes Advisor research.
	Term life conversion (5% of score): Companies earned points if their term life policies can be converted to permanent life insurance. Source: Forbes Advisor research.
	Financial strength (10% of score): This measure incorporates the insurer’s financial strength ratings from four major ratings agencies: AM Best, Fitch, Moody’s and Standard and Poor’s. Financial strength is particularly important when you’re relying on a company’s ability to pay claims many decades from now. Source: Veralytic.
	Cost competitiveness of cash value policies (10% of score): This measures the level of premiums and internal policy charges, including the cost of insurance, fixed administration expenses and cash value-based wrap fees. Note that every life insurance product charges different prices based on age, gender, health profile and policy face amounts. No insurer will be the most price-competitive for all possible buyers. Source: Veralytic.
	Reliability of policy illustrations (10% of score): This factor measures the reliability over time of the company’s illustrations for its permanent life insurance products. When you plan to be holding on to a policy for decades and counting on cash value to accumulate, you want an illustration that’s accurate. Source: Veralytic.
	Historical performance of investments (10% of score): This measures whether the historical performance of the company’s investments that fuel cash value growth is superior to other companies’ comparable products. Source: Veralytic.
	Access to cash value (10% of score): This measure evaluates the liquidity of cash value and a policyholder’s access to it. Some policies will build cash value better in the early years, and with other companies you may be waiting several years before you have meaningful cash value within a policy. Generally speaking, the higher the liquidity, particularly in early policy years, the better—but some insurers charge more for greater liquidity, so consider the possible tradeoff. Source: Veralytic.

Looking For Life Insurance?

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Other Life Insurance Companies We Rated

Company	Forbes Advisor rating
Columbus Life	3.8
Minnesota Life	3.8
Guardian Life	3.1
Midland	3.0
Symetra	3.0
Massachusetts	2.8
Ameritas	2.6
National Life	1.0

More Life Insurance Ratings

If you’re looking for a specific type of policy, check out our top picks across these categories:

Best Life Insurance Companies Frequently Asked Questions (FAQs)

What does life insurance cover?

Life insurance covers the life of the insured person. If you pass away with an in-force life insurance policy, the beneficiaries specified on the policy will receive the death benefit. Beneficiaries can use that payout in any way they choose.

What does life insurance exclude?

Life insurance policies typically include a suicide clause. This clause specifies that suicide within the first two years of the policy will not be covered.

Apart from the suicide clause, life insurance policies pay the death benefit no matter the cause of death unless the insurer can prove misrepresentation or the policyholder stops paying premiums. An insurer may deny a life insurance claim if it discovers something like a known health issue that was not disclosed in the application. It could also deny a payout if the policy had lapsed due to nonpayment.

Can I buy life insurance on someone else?

Yes, you can purchase life insurance on someone else as long as you can prove an “insurable interest” in that person. An insurable interest means that you would financially suffer if they died. The person being insured must sign the application. You cannot purchase a policy on someone without their knowledge.

If you buy life insurance on someone else, you can make yourself the life insurance beneficiary.

Can I use my life insurance while still living?

If you have a cash value life insurance policy, there are ways to use your life insurance while still living. You can access the cash value through loans, withdrawals or by surrendering the policy.

Another way to use your life insurance while still living is through living benefits if your policy includes them. Living benefits allow you to access money from your own death benefit if you meet specific health requirements. This could include people who are diagnosed with a terminal, chronic or critical illness.

If you’re buying life insurance, find out what living benefits can be included in the policy.

Next Up In Life Insurance

Forbes Advisor is not a licensed insurance agency. Insurance offerings are powered by Marketplace P&C LLC, NPN 20753534 and CA Lic. # 6011227.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

Ashlee Valentine

Deputy Editor, Insurance

Ashlee is an insurance editor, journalist and business professional with an MBA and more than 17 years of hands-on experience in both business and personal finance. She is passionate about empowering others to protect life's most important assets. When Ashlee isn't spreading insurance knowledge or solving television murder mysteries, she enjoys spending time with her family (including the furry and feathery ones) on their farm in Kentucky.

Tony Steuer

Life Insurance Expert

Tony Steuer, CLU, LA, CPFFE, is an internationally recognized financial preparedness advocate, podcaster and award-winning author. Tony developed the Get Ready Movement to empower and educate people on all areas of personal finance, including insurance. The Get Ready Method empowers people to take control of their money while providing a framework for integrating financial products, advice and advisors.

He is also an advisor at Insurance Nerds, Paperwork and Dingo Technologies. He is a judge for the 2023 and 2024 Finder Innovation Awards, as well as a finalist in thought leadership and education for ThinkAdvisor’s LUMINARIES Class of 2022. Tony is also a founding member of the Financial Literacy Advocates for Good group on Grapevine.org. And, he served as a long-term member of The California Department of Insurance Curriculum Board.

Tony shares his trailblazing thought leadership on financial wellness as a contributor for Forbes Advisor, an expert content reviewer for NerdWallet, and a guest/contributor for ABC’s Seven on Your Side, Cheddar TV, The New York Times, the Washington Post, Fast Company, Chicago Tribune, CNBC and Fox Business News. His podcast, "The Get Ready Money Podcast," is another way to find his expertise.

Tony’s books—including "The Get Ready Blueprint," "Get Ready! A Step-By-Step Planner for Maintaining Your Financial First Aid Kit," "Insurance Made Easy," "Questions and Answers on Life Insurance," "The Questions and Answers on Life Insurance Workbook," "The Questions and Answers on Disability Insurance Workbook" and "The Questions and Answers on Insurance Planner"—have won numerous awards, including four awards for Excellence in Financial Literacy Education. His books are used in college courses, financial planning certification courses, insurance agency training and financial planning firm resource libraries.

Was this article helpful?

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.

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8 Best Life Insurance Companies Of 2025

Compare Life Insurance Quotes

Best Life Insurance Companies

BEST OVERALL

Pacific Life

BEST FOR INDEXED UNIVERSAL LIFE INSURANCE

Protective

GREAT FOR RELIABLE POLICY ILLUSTRATIONS

Prudential

GREAT FOR VARIABLE UNIVERSAL LIFE INSURANCE

Lincoln Financial

BEST FOR FINANCIAL STRENGTH

MassMutual

GREAT FOR YOUNG ADULTS

Nationwide

BEST FOR INVESTMENT PERFORMANCE

Mutual of Omaha

BEST FOR UNIVERSAL LIFE INSURANCE

Penn Mutual

Best Term Life Insurance Companies

Best Universal Life Insurance Companies

Best No-Exam Life Insurance Companies

Cheapest Life Insurance Companies

How Do I Choose the Best Life Insurance?

Establish your financial goals

Check financial strength ratings

Work with experienced professionals

How Much Does a Life Insurance Policy Cost?

Life Insurance Cost for Females

Life Insurance Cost for Males

Life Insurance Policies Available by Company

We Answer Your Questions

I’m a skydiving hobbyist. Will this impact my life insurance options?

How can I ensure my life insurance death benefit is left to a charity after I’m gone?

I’m 25 and have been told I shouldn’t spend money on life insurance right now because my odds of needing it are low. Am I too young to need life insurance?

Compare Life Insurance Companies

Methodology

Other Life Insurance Companies We Rated

More Life Insurance Ratings

Best Life Insurance Companies Frequently Asked Questions (FAQs)

What does life insurance cover?

What does life insurance exclude?

Can I buy life insurance on someone else?

Can I use my life insurance while still living?

Next Up In Life Insurance