Best Life Insurance 2025
Best Life Insurance 2025
Life insurance is as complex as the policyholders and beneficiaries who use it. This means that there is no single “best” life insurance company. Instead, you can find the best option based on what you want or what you prioritize.
Business Insider’s editorial team independently reviewed more than 30 life insurance companies to find the best provider, based on premiums, policy terms, overall benefits, and customer satisfaction.
Best Life Insurance 2025
Best for whole life insurance: Northwestern Mutual Life Insurance
Best no-exam life insurance: Guardian Life Insurance
Best for universal life insurance: State Farm Life Insurance
Best for older adults: Prudential Life Insurance
Best for long-term care: Brighthouse Financial Life Insurance
Best for high returns: Allianz Life Insurance
Best for affordability: New York Life Insurance
Best for term life: Ladder Life
Featured Life Insurance Companies
Best Life Insurance for Whole Life: Northwestern Mutual Life Insurance
Northwestern Mutual Life Insurance offers a range of products, including term life insurance, whole life insurance, and universal life insurance. The company has a 790/1,000 customer satisfaction rating from J.D. Power and an A++ rating from AM Best for financial strength.
Northwestern Mutual’s whole life insurance is available to people up to age 85. It comes with a number of additional benefits, including quick-care benefits, premium waivers, and additional purchase benefits. Whole life insurance is particularly notable for the dividends it pays to whole life policyholders on an annual basis. The company is expected to pay out $8.2 billion in 2025.
Best Life Insurance with No Medical Exams: Guardian Life Insurance
Guardian Life Insurance has a customer satisfaction rating of 743/1,000 from J.D. Power and a financial strength rating of A++. It offers term, whole and universal life insurance. Guardian stands out with its no-examination life insurance, which offers coverage up to $3 million, an industry high. You can also convert your Guardian term life insurance to a whole life insurance plan.
Best Life Insurance for Universal Life: State Farm Life Insurance
State Farm Life Insurance is consistently one of the industry’s leading life insurance companies, earning the best life insurance rating in the J.D. Power Individual Life Insurance Study, with a score of 843/1000. The company also received an A++ rating from AM Best for its financial stability with comprehensive and term life insurance options.
All State Farm insurance policies must be purchased through a State Farm agent. Your agent can help you bundle your policies and save money or buy one policy. State Farm is also among the companies that offer “survivor life insurance,” which means the policy covers two people and takes effect after the second person dies. Couples looking to maximize their death benefit by paying one premium each month may enjoy lower overall costs.
State Farm agents can quote and compare options to find the right plans for each applicant. The range of options, discounts, and familiar name contribute to the popularity of State Farm life insurance.
Best Life Insurance for Older Adults: Prudential Life Insurance
Prudential Life Insurance’s VUL plan allows buyers to withdraw money from their plan to pay for nursing home expenses. Cash value policy premiums are fixed, so you don’t have to worry about additional costs later. The in-house costs are low, which reduces risk. Given their age, many seniors want a safe investment option for their money. Prudential VUL Protector invests to avoid loss. This also means you’re less likely to see significant increases in your available funds beyond what you deposit.
Pruco Life of New Jersey VUL Protector policies are available in all states except New York. New York residents can purchase the Pruco Life of New Jersey VUL Protector plan.
Best Long-Term Care Life Insurance: Brighthouse Financial Life Insurance
Brighthouse Financial Life Insurance offers both term and indexed universal life insurance options. The SmartCare Hybrid Permanent Life Insurance policy is an indexed universal life insurance policy that provides long-term care benefits through a combination of benefits, including a long-term care rapid death benefit supplement.
With this supplement, long-term care benefits can be specified at the beginning of the policy. Policyholders have the option to increase their long-term care benefits at a set rate or by an index. They can also choose to have their long-term care benefits leveled, meaning they don’t grow over time. Benefits are paid for up to two years after a claim is filed, but can be extended for up to four years with an extension of benefits supplement.
Brighthouse’s other policies are also worth a look. It offers a one-year term life insurance policy that can be converted to a whole life policy. Brighthouse Life Insurance also offers traditional term life insurance for 10, 20, and 30 years and coverage up to $3 million, with below-average premiums.
Another advantage of Brighthouse Life Insurance is that most of its policies do not require a medical exam, as long as you get regular checkups. However, for patients over the age of 60 who have not seen a doctor in two years, you may need to have a short physical exam.
Best Life Insurance for High Income Returns: Allianz Life Insurance
Allianz life insurance plans are aimed at high-income adults looking for more tax-free income. Allianz offers a 40% compounding bonus with a 1% annual asset charge. In short, the professionals who manage your investments take home 10%.
In general, your investments will bring in an additional 14% to 1% asset charge. That means you’ll end up with 3% more than you deposit each year your life insurance policy is active. This plan offers strong returns when you use your life insurance policy to supplement your retirement savings. Allianz also offers specialized plans to boost your income by up to 20%, according to some estimates.
It’s worth noting: Allianz also offers plans for foreign nationals, including those on H-1B visas.
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