Great Western Insurance Company, a Utah-based final expense specialist, no longer sells new life insurance policies. Existing policies remain in force and continue to be serviced. Final expense shoppers today should compare active specialists such as Mutual of Omaha and Aetna's Accendo brand, which offer similar simplified-issue burial coverage.

Brian Greenberg•Updated Jul 2026

Company Reviews

John Hancock Life Insurance Review

John Hancock is an A+ rated (Superior) life insurance company founded in 1862 in Boston and owned by Canada-based Manulife since 2004. Its signature feature is the Vitality wellness program, which discounts premiums and pays rewards for healthy behavior, and its Aspire program is purpose-built for people living with diabetes. John Hancock sells term, universal life, indexed UL, and variable UL.

Brian Greenberg•Updated Jul 2026

Company Reviews

Kemper Life Insurance Review - Small Whole Life Policies

Kemper Corporation remains active in life insurance through its Kemper Life business, even after exiting its preferred home and auto lines in 2023. Kemper Life descends from the home service tradition: small whole life policies aimed at working families, historically sold and serviced by local agents. Coverage amounts are modest and per-dollar pricing is high compared with term, so the products fit final expense needs more than income replacement.

Brian Greenberg•Updated Jul 2026

Company Reviews

Liberty Bankers Life Review - Final Expense and Annuities

Liberty Bankers Life Insurance Company, headquartered in Dallas, is a growing insurer focused on simplified-issue final expense whole life and fixed annuities sold through independent agents. Its final expense line uses tiered acceptance so applicants with tougher health histories still find an offer, and its SIMPL-style simplified products emphasize fast, no-exam decisions.

Brian Greenberg•Updated Jul 2026

Company Reviews

Lincoln Financial Life Insurance Review

Lincoln Financial Group is an A rated (Excellent) insurer founded in 1905 in Fort Wayne, Indiana, with the life business written through The Lincoln National Life Insurance Company. It is best known for TermAccel, a lab-free accelerated underwriting term product, the LifeElements term series, and a deep bench of universal, indexed, and variable universal life products used in estate and business planning.

Brian Greenberg•Updated Jul 2026

Company Reviews

Madison National Life Review - Group and Worksite Carrier

Madison National Life Insurance Company, founded in 1961 in Madison, Wisconsin, has been a subsidiary of Horace Mann Educators Corporation since 2022. It is not a retail consumer carrier: its business centers on group life, disability, and specialty worksite coverage, historically strong in the education sector. Individuals encounter Madison National through employer benefits rather than personal policies.

Lisa A Koosis•Updated Jul 2026

Company Reviews

MetLife Life Insurance Review - Individual Sales Ended

MetLife, founded in 1868 and one of the most recognizable names in American insurance, no longer sells individual life insurance to consumers. It spun off its U.S. retail business as Brighthouse Financial in 2017; existing retail policies are administered by Brighthouse, while MetLife continues to be a leader in group life insurance offered through employers. Shoppers who come looking for MetLife individual coverage today should compare current top-rated carriers instead.

Brian Greenberg•Updated Jul 2026

Company Reviews

Nassau Financial Review - Annuities and Phoenix Legacy

Nassau Financial Group, founded in 2015 and headquartered in Hartford, Connecticut, is best understood in two parts: a growing fixed annuity business sold through agents, and the servicing home of legacy life insurance blocks, most notably the former Phoenix Companies policies it acquired. Consumers encounter Nassau either as annuity shoppers or as holders of older Phoenix-era life policies now serviced under the Nassau name.

Brian Greenberg•Updated Jul 2026

Company Reviews

National Western Life Review - Now Part of Prosperity

National Western Life, the Austin, Texas insurer founded in 1956 and long controlled by the Moody family, was acquired by Prosperity Life Group in an all-cash merger valued at about $1.9 billion, completed in July 2024. The company's life insurance and annuity obligations continue under Prosperity's ownership. National Western historically emphasized annuities and universal life, with international life business as a distinctive niche.

Brian Greenberg•Updated Jul 2026

Company Reviews

Primerica Life Insurance Review

Primerica is an A+ rated (Superior) life insurer founded in 1977 and headquartered in Duluth, Georgia. It sells term life insurance exclusively, no whole life or universal life, through a network of more than 140,000 licensed representatives, built around the Buy Term and Invest the Difference philosophy. Coverage is solid and the company is financially strong, but policies are only available through a Primerica rep and pricing is often higher than broker-sold term.

Brian Greenberg•Updated Jul 2026

Company Reviews

Principal Life Insurance Review - Exited Retail in 2021

Principal Financial Group, the A+ rated Des Moines insurer founded in 1879, no longer sells individual life insurance to retail consumers. After a 2021 strategic review, Principal exited the U.S. retail consumer life market to focus on retirement plans, asset management, and business-market insurance such as key person and buy-sell coverage. Existing retail policies remain in force and serviced. Business owners can still buy Principal life products through the business channel.

Brian Greenberg•Updated Jul 2026

Company Reviews

Prosperity Life Group Review - S.USA and Shenandoah Life

Prosperity Life Group is an insurance holding organization whose carriers include S.USA Life Insurance Company and Shenandoah Life, known for simplified-issue term and final expense whole life sold largely through independent agents. The group substantially increased its scale by acquiring National Western Life in a $1.9 billion merger completed in July 2024. Prosperity products suit shoppers who want simplified underwriting at modest face amounts.

Brian Greenberg•Updated Jul 2026

Company Reviews

Prudential Life Insurance Review

Prudential Financial is an A+ rated (Superior) insurer founded in 1875 in Newark, New Jersey, writing individual life through Pruco Life Insurance Company. Prudential is the carrier brokers turn to for complex health histories: it is known for favorable treatment of well-managed chronic conditions, was the first major U.S. carrier to underwrite applicants living with HIV, and famously offers non-smoker rates to occasional cigar smokers who test nicotine-free.

Brian Greenberg•Updated Jul 2026

Company Reviews

Sagicor Life Insurance Review - Product Lineup Changes

Sagicor Life Insurance Company, the U.S. arm of the Caribbean-based Sagicor Financial group, remains in business but discontinued the products this review originally covered: its Sage Term with instant Accelewriting no-exam underwriting, its universal life, and its no-exam whole life. Existing policies remain in force. Shoppers drawn to Sagicor's fast no-exam underwriting should compare current alternatives such as Ethos and Corebridge Quick Issue.

Brian Greenberg•Updated Jul 2026

Company Reviews

SBLI Life Insurance Review

SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) is a mutual insurer founded in 1907 through the efforts of future Supreme Court Justice Louis Brandeis to give working families honest, low-cost life insurance. That mission still defines it: SBLI concentrates on competitively priced level term with an accelerated underwriting program that lets many applicants skip the medical exam, plus whole life for permanent needs.

Brian Greenberg•Updated Jul 2026

Company Reviews

Sentinel Security Life Review - Final Expense Specialist

Sentinel Security Life Insurance Company, founded in 1948 in Salt Lake City by funeral directors, is a senior-market specialist selling final expense whole life, Medicare supplement plans, and fixed annuities through independent agents. Its New Vantage final expense line uses tiered acceptance so tougher health histories still find offers. Shoppers should verify the carrier's current financial strength rating as part of any purchase decision.

Brian Greenberg•Updated Jul 2026

Company Reviews

SureBridge Insurance Review - Supplemental Health Plans

SureBridge is a supplemental insurance brand, not a life insurance company: its accident, critical illness, hospital, dental, and vision products are underwritten by The Chesapeake Life Insurance Company, part of the UnitedHealthcare family. Supplemental policies pay cash benefits for covered health events, which complements but does not replace life insurance. Shoppers who landed here looking for death benefit protection should compare term life carriers.

Brian Greenberg•Updated Jul 2026

Company Reviews

Transamerica Life Insurance Review

Transamerica is an A+ rated (Superior) life insurance company founded in 1904 in San Francisco and now part of the Aegon group. It is one of the highest-volume term life carriers in the United States, best known for its Trendsetter term series with living benefits, competitive final expense whole life, and indexed universal life. Transamerica fits budget-focused term shoppers and applicants who want living benefit riders without a premium surcharge.

Brian Greenberg•Updated Jul 2026

Company Reviews

TruStage Life Insurance Review

TruStage is the consumer brand of CMFG Life Insurance Company, an A rated (Excellent) insurer founded in 1935 as CUNA Mutual to serve credit union members and rebranded TruStage in 2023. It sells simplified term and whole life directly online with no medical exam on most products, plus guaranteed acceptance whole life. Face amounts are modest and pricing reflects the convenience, making TruStage best for smaller, fast policies rather than large family coverage.

Brian Greenberg•Updated Jul 2026

Company Reviews

United Home Life Review - Express Issue No-Exam Policies

United Home Life Insurance Company, an Indianapolis-based insurer affiliated with United Farm Family Life, specializes in Express Issue simplified products: no-exam term and whole life with tiered acceptance that reaches tougher health histories, including options marketed to applicants declined elsewhere. Face amounts are modest and per-dollar pricing reflects the easy underwriting, making it a niche tool rather than a primary family-coverage carrier.

Brian Greenberg•Updated Jul 2026

Company Reviews

Voya Life Insurance Review - Exited Individual Life

Voya Financial, the retirement and benefits company formerly known as ING U.S., no longer sells individual life insurance. It stopped new individual life sales in 2019 and completed the sale of its in-force individual life block to Resolution Life in 2021. Existing Voya and legacy ING/ReliaStar policies remain fully in force and are administered through Resolution Life. Shoppers looking for coverage today should compare current top-rated carriers.

Brian Greenberg•Updated Jul 2026

Company Reviews

William Penn Life Insurance Review - Banner's NY Sister

William Penn Life Insurance Company of New York is the New York-licensed carrier of Legal & General America and the sister company of Banner Life. Because New York's insurance regulations require a separately licensed entity, New Yorkers who want Banner's famously sharp term pricing buy the equivalent policies through William Penn. Products mirror the Banner shelf: competitively priced OPTerm level term with conversion options.

Brian Greenberg•Updated Jul 2026

Company Reviews

World Financial Group Review - How the WFG Model Works

World Financial Group (WFG) is not an insurance company: it is a Transamerica-owned distribution agency whose associates sell life insurance and financial products, frequently indexed universal life, through a multi-level marketing structure. The policies WFG sells are real, issued by Transamerica and partner carriers, but the recruiting-driven model and IUL-heavy sales mix mean buyers should compare independent quotes and scrutinize illustrations before signing.

Brian Greenberg•Updated Jul 2026

Life Insurance

Life Insurance for Smokers - Cigarette, Cigar, Vape Rates

Smokers typically pay 2 to 3 times more for life insurance than non-smokers, but the details matter enormously. Cigarettes, vaping, and chewing tobacco are usually priced at smoker rates, while occasional cigar smokers can qualify for non-smoker rates at select carriers if they test nicotine-free. Quitting changes everything: 12 months tobacco-free earns non-smoker rates at many carriers, and the best classes open up after 3 to 5 years. Because tobacco rules vary more between insurers than almost any other factor, carrier selection is the difference between overpaying and a fair price.

Brian Greenberg•Updated Jul 2026