Best Life Insurance Companies of 2025
NerdWallet’s editorial team has evaluated numerous life insurance companies to identify the top performers in the industry. The analysis considered factors such as customer complaints, consumer experience, financial strength, and policy offerings.
Top Life Insurance Companies
- MassMutual: Best Overall MassMutual offers a comprehensive range of term, whole, universal, and variable universal life insurance policies. The company has an exceptional financial strength rating and supports online claims.
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Guardian: Best for Applicants with Health Conditions Guardian stands out for its lenient underwriting standards, making life insurance accessible to individuals with certain health conditions, such as HIV.
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Northwestern Mutual: Best Customer Experience Northwestern Mutual is one of the largest life insurance companies in the United States, offering term and permanent life insurance policies with flexible payment and coverage options.
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Pacific Life: Best Range of Permanent Life Insurance Pacific Life offers a diverse range of permanent life insurance policies, including indexed universal life insurance, which allows investments to grow based on stock market indexes.
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Thrivent: Best for Social Responsibility Thrivent is a fraternal benefit organization that serves Christian consumers, offering term and permanent life insurance policies, as well as disability and long-term care insurance.
How to Choose the Best Life Insurance for You
- Decide on a type of life insurance: term life or permanent life insurance.
- Calculate your coverage needs by considering your financial obligations and assets.
- Compare life insurance quotes from multiple insurers to find the best rate.
NerdWallet’s ratings are based on consumer experience, complaint index scores, and financial strength ratings. The top life insurance companies have demonstrated exceptional performance in these areas, providing policyholders with reliable coverage and excellent customer service.
