Top Life Insurance Companies

BASED ON A ROBUST REVIEW

As an independent broker, based on my 15 plus years of experience, I have evaluated my top eight life insurance companies according to the following unbiased criteria:

1 Cost

2 Value

3 History

4 Ratings

Now, if for whatever reason, you don't like these companies or cannot get qualified, it is not to say you are out of luck. Since I am contracted with and have a strong relationship with 25 plus other carriers, I can still get you insurance which coincides to your budget, needs, and health. There is nothing to worry about it as I am here to help capaciously.

Let's now take a deep dive and see what these eight companies are all about...

Overall Best In

Living Benefits Comprehensive Coverage, Cash Value Accumulation, Tax-Free Retirement, And Non-Medical Underwriting

  • History
  • Financial Ratings
  • Strengths
  • Brochures
  • Living Benefits Testimonials
  • Living Benefits Criteria
History

Over 175 Years Of Solid History

  1. Founded by: Vermont Legislature
  2. Date of birth: 1848
  3. Current Chairmen, President, and CEO: Mehran Assadi
  4. Headquarters: Montpelier, Vermont. Also has offices in Texas.
  5. Total Workforce: Over 1,200 employees
  6. Website: www.nationallife.com

Mehran Assadi- Chairmen, CEO, And President

Financial Ratings

Strong Financial Strength, Asset, and Revenue Growth

Revenue: $2.8 Billion as of 2021

Assets: $41.9 Billion as of 2021

A.M. Best is the main credit rating agency most relevant for the insurance industry. With an A score, that means National Life Group is highly rated in paying out claims, solvency, overall operating performance, financial flexibility. and asset quality.

Strengths

National Life Group's Core Advantages

Comprehensive living benefits included for FREE that pay for terminal, chronic, critical, and critical injury illnesses such as heart attacks, disability, cancer, and even coma.

Strong cash value accumulation plan that helps pay for college tuition and other expenses and secures your retirement on a tax-free basis.

Protection for your home, family, and income to pay for mortgage expense in the event of a premature passing. Reduces likelihood of a foreclosure from a spousal demise.

Ranked On Fortune 1000 Companies with the longest track record of 175 plus years of excellent history and stable, consistent, and lucrative financial growth

Living Benefits Testimonials

How Living Benefits Can Save Your Financial Life From A Health Crisis


What does peace of mind look like? See how life insurance with living benefits provided Eric and his family with peace of mind during a health crisis.

Jessica, only 30 years old, was a new mom when she learned that she had breast cancer. Her saving grace was her life insurance policy with living benefits.

Living Benefits Criteria
Included Living Benefits
Qualifying Conditions (subject to final underwriting approval)
Terminal Illness Rider

Generally, if an eligible insured is diagnosed with a terminal illness that will result in death within 24 months or less. (12 months in some states) of certification of the illness by a physician.

Chronic Illness Rider

A doctor has certified, within the past 12 months, that you are unable to perform 2 of 6 activities of daily living (ADL) for a period of at least 90 consecutive days without assistance. or that you are generally cognitively impaired.

Activities Of Daily Living: bathing, continence, dressing, eating, toileting, transferring.

Critical Illness Rider

Includes:

  • ALS (Lou Gehrig's Disease)
  • Aorta Graft Surgery
  • Aplastic Anemia
  • Blindness
  • Cancer
  • Cystic Fibrosis
  • End-Stage Renal Failure
  • Heart Attack
  • Heart Valve Replacement
  • Major Organ Transplant
  • Motor Neuron Disease
  • Stroke
  • Sudden Cardiac Arrest
Critical Injury

Includes:

  • Coma
  • Paralysis
  • Severe Burns
  • Traumatic Brain Injury
64GB

Overall Best In

Living Benefits Coverage and Fast Non-Medical Underwriting

  • History
  • Financial Ratings
  • Strengths
  • Brochures
  • Living Benefits
History

Over 100 Years Of Solid History

  1. Founded by: William Lewis Moody, Jr.
  2. Date of birth: 1905
  3. Current President and CEO: James E. Pozzi
  4. Headquarters: Galveston, Texas. Also has offices in Oklahoma, New York, Florida, Colorado, Montana, and Delaware.
  5. Total Workforce: Over 4,500 employees
  6. Website: www.americannational.com

James E. Pozzi- President and CEO

Financial Ratings

Strong Financial Strength, Asset, and Revenue Growth

Revenue: $4.4 Billion as of 2021

Assets: $31.1 Billion as of 2021

A.M. Best is the main credit rating agency most relevant for the insurance industry. With an A score, that means American National is excellent in paying out claims, solvency, overall operating performance, financial flexibility. and asset quality.

Strengths

American National's Core Advantages

Fast non-medical underwriting called Xpress of up to $250,000 of term or lifetime coverage and automated potentially non-medical underwriting called XPress Plus of up to $1 million of term or lifetime coverage.

Lenient underwriting even for some preexisting health conditions such as controlled type 2 diabetes, sleep apnea, mild anxiety or depression, and adult attention-deficit/hyperactivity disorder

Living benefits included for FREE in both term and lifetime products that pay for terminal, chronic, or critical illnesses such as heart attacks, disability, and even cancer.

Ranked "Most Trustworthy Financial Company" on the 2017 Forbes list with a long track record of 100 plus years of excellent, history and stable, consistent, and lucrative financial growth

Living Benefits

Why Living Benefits Should Be A Staple In Every Life Insurance Policy


The Basics of Living Benefits: What Are They And How Do They Work?

How Living Benefits Can Literally Save Your Life And Finances?

Overall Best In

Cost, Underwriting, and Living Benefits

  • History
  • Financial Ratings
  • Strengths
  • Brochures
History

Over 100 Years Of Solid History

  1. Founded by: Cornelius Vander Starr
  2. Date of birth: 1919
  3. Current President and CEO: Kevin Hogan
  4. Headquarters: New York City, New York. Also has offices in California, Florida, Oregon, Indiana, Ohio, New Jersey, Texas, and many more
  5. Total Workforce: Over 49,000 employees
  6. Website: www.corebridgefinancial.com/

Kevin Hogan - CEO

Financial Ratings

Strong Financial Strength, Asset, and Revenue Growth

Revenue: $57 Billion as of 2022

Assets: $538 Billion as of 2022

A.M. Best is the main credit rating agency most relevant for the insurance industry. With an A score, that means Corebridge Financial is excellent in paying out claims, solvency, overall operating performance, financial flexibility. and asset quality.

Strengths

Corebridge Financial's Core Advantages

Return On Premium (ROP) for term insurance where you get all your money back like you got free insurance if you outlive your policy

Lenient underwriting even for some preexisting health conditions like type 2 diabetes, high blood pressure, sleep apnea, and overweightness

Lenient underwriting where you can still get the best, non-smoker rate if you only smoke one cigar per week

Generally has the lowest rates across the industry for almost all age and health brackets

Chronic Illness Protection Rider, which is an alternative way of getting affordable long term care insurance with no waiting period

Ranked 60th on the 2018 Fortune 500 list with a long track record of 90 plus years of history and stable, consistent, and lucrative growth

Brochures

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Overall Best In

Value, Cost, Underwriting, Speed, and Customer Service

  • History
  • Financial Ratings
  • Strengths
  • Brochures
  • Chronic Illness Video
History

Over 100 Years Of Solid History

  1. Founded by: William Dorsey Jelks
  2. Date of birth: 1907
  3. Current Chairman and CEO: John D. Johns
  4. Headquarters: Birmingham, Alabama. Also has offices in California, Illinois, Missouri, New York, Ohio, South Carolina, and Tennessee
  5. Total Workforce: Over 2,500 employees
  6. Website: www.protective.com

Rich Bielen - Chairman and CEO

Financial Ratings

Strong Financial Strength, Asset, and Revenue Growth

Protective has NEVER missed paying out a valid death claim

Revenue: $6.6 Billion as of 2023

Assets: $118 Billion as of 2023

A.M. Best is the main credit rating agency most relevant for the insurance industry. With an A+ score, that means Protective is highly rated in paying out claims, solvency, overall operating performance, financial flexibility. and asset quality.

Strengths

Protective's Core Advantages

Lowest rates in the country for almost all age and health brackets

Lenient underwriting even for some preexisting health conditions like cancer and heart disease

Exceptional customer service where the customer is valued like a customer

Potential lab-free underwriting up to $500,000 of coverage if you qualify, which is subject to a brief telephone interview

Income Provider Option for lifetime insurance can help you save up to 25 percent giving you more flexibility and control over your death benefit

Long track record with 100 plus years of history coupled with stable, consistent, and lucrative growth

Brochures

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Chronic Illness Video

How Chronic Illness Is A Must For Everyone

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Overall Best In

Underwriting for Tobacco (including marijuana and vaping), Obesity, And Type 1 And 2 Diabetes

  • History
  • Intro
  • Financial Ratings
  • Strengths
  • Brochures
History

Over 147 Years Of Solid History

  1. Founded by: Fraternal Benefit Society (non-for-profit organization)
  2. Date of birth: 1874
  3. Current President and CEO: Louis Gagnon
  4. Headquarters: Ontario, Toronto, Canada. Also has offices in New York, California, Florida, and many more
  5. Total Workforce: Over 4,000 employees
  6. Website: www.foresters.com

Louis Gagnon - President and CEO

Intro

General Overview Of Term Insurance And Other Benefits

Foresters is a leading company for diabetic-friendly underwriting standards, especially for their non-medical product. Click here to read more about this exclusive niche-specific benefit for diabetics.

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Financial Ratings

Strong Financial Strength, Asset, and Revenue Growth

Revenue: CAD1.2 Billion as of 2021

Assets: CAD35.4 Billion as of 2021

A.M. Best is the main credit rating agency most relevant for the insurance industry. With an A score, that means Foresters is excellent in paying out claims, solvency, overall operating performance, financial flexibility. and asset quality.

Strengths

Foresters Core Advantages

Backed with more than 147 years or history, financial growth, and stability being consistently rated an A rated company for more than 20 years

Industry lenient underwriting even for some preexisting health conditions like obesity and type 1 and 2 diabetes (including insulin-dependent patients)

Up to $400,000 Term and Lifetime Family Protection potentially without a medical exam if you qualify

Living benefits included for FREE in both term and lifetime products that pay for terminal, chronic (similar to disability), or critical illnesses such as heart attack and even cancer

Marijuana, cigar, nicotine gum, and vaping users can save up to 50% with a more favorable tobacco rating compared to the industry (excluding cigarettes)

Members can access discounts on everyday necessities, electronics, and other online shopping opportunities.

Overall Best In

Value and Underwriting for common health issues

  • History
  • Financial Ratings
  • Strengths
  • Brochures
History

Over 150 Years Of Solid History

  1. Founded by: Leland Stanford
  2. Date of birth: 1868
  3. Current President, Chairman, and CEO: James T. Morris
  4. Headquarters: New Port Beach, California. Also has offices in Minnesota, Florida, Virginia, Connecticut, Nebraska, and Massachusetts
  5. Total Workforce: Over 3,000 employees
  6. Website: www.pacificlife.com

James T. Morris - President, Chairman, and CEO

Financial Ratings

Strong Financial Strength, Asset, and Revenue Growth

Revenue: $13.9 Billion as of 2021

Assets: $209.5 Billion as of 2021

A.M. Best is the main credit rating agency most relevant for the insurance industry. With an A+ score, that means Pacific Life is highly rated in paying out claims, solvency, overall operating performance, financial flexibility. and asset quality.

Strengths

Pacific Life's Core Advantages

Smooth Sailing Term product where you may potentially skip a health pre-screening and can get up to $1 million of insurance if you are between the ages of 50-69

Lenient underwriting even for some major health issues like asthma, high blood pressure, cholesterol, anxiety or depression, sleep apnea, ulcerative colitis, and overweightness

Long Term Care (LTC) benefit that comes with lifetime coverage covering home-care needs if you can't perform two of the six daily activities of living such as bathing, dressing, eating, transferring, tioleting, and continence

With a long track record of 150 plus years of history, you can trust Pacific Life is not going anywhere as they are focused on building long term stable, consistent, and lucrative growth

Overall Best In

Tax-Free Income, Living Benefits Coverage, Cash-Value, and Strong Customer Service

  • History
  • Financial Ratings
  • Strengths
  • Brochures
  • IUL Videos
History

Over 130 Years Of Solid History

  1. Founded by: A.E. Forest purchased the company in 1890
  2. Date of birth: 1886
  3. Parent company: Sammons Financial Group
  4. Current President and CEO: Esfandyar Dinshaw
  5. Headquarters: West Des Moines, Iowa
  6. Total Workforce: Over 1,000 employees
  7. Website: www.northamericancompany.com

Esfandyar Dinshaw- President and CEO of Sammons Financial Group

Financial Ratings

Strong Financial Strength, Asset, and Revenue Growth

Revenue: More than $16.5 Billion as of 2021

Assets: $35.4 Billion as of 2021

A.M. Best is the main credit rating agency most relevant for the insurance industry. With an A+ score, that means North American Company is highly rated in paying out claims, solvency, overall operating performance, financial flexibility. and asset quality.

Strengths

North American Company's Core Advantages

Living benefits included for FREE in both term and lifetime products that pay for terminal, chronic, or critical illnesses such as heart attacks, disability, and even cancer.

Earned the Better Business Bureau (BBB) accreditation in 2018 for their excellent commitment in diligently resolving customer complaints

Privately owned company focusing more attention in superb customer service, employee morale, and secure investments without the pressure of meeting Wall Street earnings

Ranked 77 on Forbes list of largest private companies with a long track record of 130 plus years of excellent, history and stable, consistent, and lucrative financial growth

IUL Videos

Learn How To Grow Your Retirement Savings Tax & Risk Free


IUL Overview: The New "401Ks"

Why IULs Are Suitable For Children

Overall Best In

Underwriting, Speed, and Tobacco Niche

  • History
  • Financial Ratings
  • Strengths
  • Brochures
History

Over 100 Years Of Solid History

  1. Founded by: Perry Randall
  2. Date of birth: 1905
  3. Current President and CEO: Dennis R. Glass
  4. Headquarters: Strafford, Pennsylvania. Also has offices in California, Georgia, New York, Florida, Ohio, Colorado, and many more
  5. Total Workforce: Over 11,000 employees
  6. Website: www.lfg.com

Dennis R. Glass - President and CEO

Financial Ratings

Strong Financial Strength, Asset, and Revenue Growth

Revenue: $19.2 Billion as of 2021

Assets: $387.3 Billion as of 2021

A.M. Best is the main credit rating agency most relevant for the insurance industry. With an A+ score, that means Lincoln is excellent in paying out claims, solvency, overall operating performance, financial flexibility. and asset quality.

Strengths

Lincoln's Core Advantages

Potential lab-free underwriting up to $1 million of coverage if you qualify, which is subject to a brief telephone interview

Lenient underwriting even for some preexisting health conditions like certain cancers, type 2 diabetes, high blood pressure, and depression

Very competitive rates especially for someone looking for $250,000 or more of term insurance coverage

Special credit program for lifetime insurance designed to help someone with rheumatoid arthritis, type 2 diabetes, and obesity get a better rate

Lenient underwriting for anyone smoking cigars, pipes, e-cigarettes, chewing tobacco, and other tobacco products (excluding cigarettes)

Fortune 500 Company with a long track record of 100 plus years of history coupled with stable, consistent, and lucrative growth

Overall Best In

Underwriting for various niches such as tobacco, DUI, bankruptcy, and common health ailments

  • History
  • Financial Ratings
  • Strengths
  • Brochures
History

Over 140 Years Of Solid History

  1. Founded by: John Fairfield Dyden
  2. Date of birth: 1875
  3. Current President and CEO: Charles F. Lowrey
  4. Headquarters: Newark, New Jersey. Also has offices in California, Arizona, New York, Florida, Montana, Utah, and many more
  5. Total Workforce: Over 50,000 employees
  6. Website: www.prudential.com

Charles F. Lowrey - President and CEO

Financial Ratings

Strong Financial Strength, Asset, and Revenue Growth

Revenue: $63 Billion as of 2018

Assets: $815.1 Billion as of 2018

A.M. Best is the main credit rating agency most relevant for the insurance industry. With an A+ score, that means Prudential is highly rated in paying out claims, solvency, overall operating performance, financial flexibility. and asset quality.

Strengths

Prudential's Core Advantages

One of the most lenient carriers for obesity especially when your over the age of 60. This could be a game changer when shopping for term insurance

Lenient underwriting even for some preexisting health conditions like certain cancers, diabetes, heart disease history, depression, and rheumatoid arthritis

Lenient underwriting for chapter 7 bankruptcy assuming sufficient income has been reestablished and may consider Chapter 11-13 bankruptcies

Active military U.S. citizens can still get insurance even if you're deployed and your beneficiaries will still be covered in the event of a war casualty

Lenient underwriting where you may still get a cheaper, non-smoker rate if you smoke cigars, e-cigarettes or chew tobacco/nicotine gum (excluding cigarettes)

Long track record with 140 plus years of excellent, aged history coupled with stable, consistent, and lucrative financial growth

Brochures

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