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Life insurance isn’t one size fits all. The company that works best for your friends, neighbors and family might not offer the same coverage or price to you. To help you find an insurer that best suits your needs, we’ve collected and examined multiple factors.
Insure.com surveyed more than 1,750 people with auto, home, life and health insurance. Respondents were asked to name their insurer and to gauge each company’s level of customer experience, policy offerings, trustworthiness and other factors.
The editors then selected – based on the number of responses — the top life insurance companies for further evaluation. The editors gathered and analyzed the top insurers’ financial stability scores, their complaint records and other important metrics. We then rated the best life insurance companies, giving each from one to five stars, with five stars being the best ranking.
For 2024, the top life insurance company is MassMutual, according to our analysis, followed by Pacific Life and State Farm.
Our list can take some of the guesswork out of shopping for life insurance and help you pick an insurer that meets your needs.
“LIMRA’s most-recent Insurance Barometer Study shows a record-high proportion of consumers – 39% – who say they intend to purchase life insurance coverage within the next year,” says Karen Terry, assistant vice president, member benefits, at industry research group LIMRA. The Insurance Barometer Study tracks consumer perceptions.
“The type and amount of life insurance consumers need will depend on their specific financial goals and circumstances. It’s important to work with a financial advisor or insurance professional to determine the most suitable life insurance strategy to meet both short- and long-term needs,” Terry says.
Our list may help you narrow down your choices. But you may also want to consult with a financial advisor before making a final decision.
What are the best life insurance companies?
Insure.com editors chose the top life insurance companies based on third-party ratings and responses from the Insure.com consumer survey.
Rank | Company | Overall Ranking | Customer Satisfaction | Learn More |
---|---|---|---|---|
1 | 1. MassMutual | Overall rating | Customer satisfaction rating: | |
2 | 2. Pacific Life | Overall rating | Customer satisfaction rating: | |
3 | 3. State Farm | Overall rating | Customer satisfaction rating: | |
4 | 4. Northwestern Mutual | Overall rating | Customer satisfaction rating: | |
5 | 5. New York Life | Overall rating | Customer satisfaction rating: | |
5 | 5. Penn Mutual | Overall rating | Customer satisfaction rating: | |
7 | 7. John Hancock | Overall rating | Customer satisfaction rating: | |
8 | 8. Lincoln Financial | Overall rating | Customer satisfaction rating: | |
9 | 9. Guardian Life | Overall rating | Customer satisfaction rating: | |
10 | 10. Mutual of Omaha | Overall rating | Customer satisfaction rating: | |
11 | 11. Amica | Overall rating | Customer satisfaction rating: | |
11 | 11. Gerber Life | Overall rating | Customer satisfaction rating: | |
13 | 13. Farmers | Overall rating | Customer satisfaction rating: | |
14 | 14. AAA | Overall rating | Customer satisfaction rating: | |
14 | 14. Allstate | Overall rating | Customer satisfaction rating: | |
16 | 16. Brighthouse | Overall rating | Customer satisfaction rating: | |
16 | 16. Prudential | Overall rating | Customer satisfaction rating: |
How we picked Insure.com’s top-rated life insurance companies
70+
1,750
60+
34,600