North American Company for Life and Health Insurance (NACOLAH) is an A+ rated life insurance carrier founded in 1886 and headquartered in West Des Moines, Iowa. As part of Sammons Financial Group, North American specializes in indexed universal life (IUL) and guaranteed universal life (GUL) products. Strong accelerated underwriting up to $1,000,000 for healthy applicants.

Brian Greenberg•Updated Jun 2026

Company Reviews

Pacific Life Insurance Review

Pacific Life Insurance Company is an A+ rated mutual insurance company founded in 1868 and headquartered in Newport Beach, California. Pacific Life specializes in permanent life insurance (guaranteed universal life, indexed universal life, variable universal life) for the high-net-worth and supplemental retirement income markets.

Brian Greenberg•Updated Jun 2026

Company Reviews

Protective Life Insurance Review

Protective Life Insurance Company is an A+ rated U.S. insurer founded in 1907 and headquartered in Birmingham, Alabama. Owned by Japan's Dai-ichi Life Holdings since 2015, Protective is one of the most competitive carriers for fully-underwritten term life (Classic Choice Term) and guaranteed universal life (Custom Choice UL).

Brian Greenberg•Updated Jun 2026

Company Reviews

Royal Neighbors of America Life Insurance Review

Royal Neighbors of America is a fraternal benefit society founded in 1895 in Council Bluffs, Iowa. It is one of the few major U.S. life insurance organizations founded and historically governed by women, with a focus on women-led households. Royal Neighbors offers term life, whole life, simplified-issue whole life, and guaranteed-issue whole life with included member benefits.

Brian Greenberg•Updated Jun 2026