Life Insurance Company Reviews
Browse 52 expert life insurance company reviews guides written and reviewed by licensed insurance agents.
Company Reviews
AIG Life Insurance Review - Now Corebridge Financial
AIG no longer sells life insurance under the AIG brand: its life and retirement division became Corebridge Financial, which went public in 2022 and completed its separation from AIG. Policies continue to be issued by American General Life Insurance Company, rated A (Excellent) by A.M. Best. Existing AIG life policies remain fully in force, and the product shelf, led by Select-A-Term with its 18 term-length choices and the QoL living benefit riders, continues under the Corebridge name.
Brian Greenberg•Updated Jul 2026
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Company ReviewsAllstate Life Insurance Review - Sold to Everlake in 2021
Allstate, famous for auto and home coverage, no longer underwrites its own life insurance. It sold Allstate Life Insurance Company and related annuity businesses to Blackstone-managed entities in 2021, and those operations were renamed Everlake Life. Existing Allstate life policies remain in force and are serviced by Everlake, while Allstate agents today refer life shoppers to third-party carriers.
Brian Greenberg•Updated Jul 2026
Company ReviewsAmerican Amicable Life Insurance Review - No-Exam Term
American Amicable is a Waco, Texas insurer with roots to 1910 that specializes in simplified-issue products sold through independent agents: no-exam term (including its Term Made Simple line), final expense whole life, and mortgage protection coverage. Underwriting relies on health questions plus database checks, making it a practical placement for applicants who want to skip the exam or carry moderate health histories.
Brian Greenberg•Updated Jul 2026
Company ReviewsAmerico Life Insurance Review - Mortgage Protection Focus
Americo Financial Life and Annuity, headquartered in Kansas City with corporate roots tracing to 1906, is one of the biggest names in agent-sold mortgage protection term life. Its shelf also includes final expense whole life (the Eagle series) and universal life, all built around simplified, no-exam underwriting and independent agent distribution. Americo fits homeowners approached about mortgage protection and final expense buyers, though comparing against level term always belongs in the process.
Brian Greenberg•Updated Jul 2026
Company ReviewsBestow Life Insurance Review - No Longer Selling Policies
Bestow, once a leading direct-to-consumer no-exam term startup, no longer sells life insurance to the public. The company pivoted to providing underwriting and policy technology to insurers. Term policies Bestow sold were issued by North American Company for Life and Health (a Sammons company) and remain fully in force. Shoppers who liked Bestow's instant no-exam experience have strong current alternatives, led by Ethos.
Brian Greenberg•Updated Jul 2026
Company ReviewsColonial Penn Life Insurance Review
Colonial Penn is an A rated (Excellent) life insurer founded in 1968 in Philadelphia and owned by CNO Financial Group. It is best known for the heavily televised $9.95 per unit guaranteed acceptance whole life program for ages 50 to 85, which asks no health questions but pays a graded benefit in the first two years. The catch every shopper should understand: a unit is not a fixed amount of coverage, and the same $9.95 buys less coverage the older you are.
Brian Greenberg•Updated Jul 2026
Company ReviewsColumbian Mutual Life Review - Acquired by JAB in 2025
Columbian Mutual Life Insurance Company, a New York insurer with roots to 1882 known for final expense and simplified-issue coverage, entered rehabilitation under the New York regulator after financial strain, and in November 2025 JAB Insurance agreed to acquire Columbian and its subsidiary, taking the company out of rehabilitation. Existing policies continue under regulatory protection. Final expense shoppers today should compare active specialists.
Brian Greenberg•Updated Jul 2026
Company ReviewsCompanion Life of New York Review - Mutual of Omaha Arm
Companion Life Insurance Company of New York is the New York-licensed carrier through which Mutual of Omaha serves New York residents. Because New York requires a separately licensed entity, New Yorkers buying Mutual of Omaha's well-regarded term and final expense products receive policies on Companion Life paper, with the same underwriting philosophy and the backing of the Mutual of Omaha organization.
Lisa A Koosis•Updated Jul 2026
Company ReviewsCostco Life Insurance Review - Protective Member Program
Costco's life insurance offering has been a member benefit program providing term life insurance through Protective Life, with pricing perks for Executive members. The coverage itself is standard Protective term, a strong, competitively priced product, with the Costco wrapper adding member conveniences. Program availability and terms can change, so members should verify current details through Costco Services, and every shopper should still compare two or three carriers before buying.
Brian Greenberg•Updated Jul 2026
Fabric by Gerber Life Review - Term Life for Parents
Fabric by Gerber Life is a digital life insurance brand aimed squarely at young parents, offering term policies with accelerated no-exam underwriting for qualifying applicants, plus free extras like online wills and family finance tools. Policies are issued within the Gerber Life family, part of Western & Southern Financial Group. Fabric fits busy parents who want solid term coverage and estate basics handled in one sitting.
Brian Greenberg•Updated Jul 2026
Company ReviewsFamily Life Insurance Review - ManhattanLife Group Carrier
Family Life Insurance Company, founded in 1949 and today part of the ManhattanLife group of companies, is a niche carrier known for mortgage protection term and simplified-issue whole life sold through independent agents. Its products emphasize easy underwriting and agent service rather than rock-bottom pricing, making it one of several reasonable placements in the simplified-issue segment.
Lisa A Koosis•Updated Jul 2026
Company ReviewsFidelity Life Review - RAPIDecision Term, Now Part of iA
Fidelity Life Association, the Chicago-area insurer founded in 1896 and known for its RAPIDecision product family, became part of Canada's iA Financial Group through the 2024 acquisition of its parent, Vericity. RAPIDecision term issues quickly with partial coverage up front, a distinctive hybrid: a portion of the death benefit starts immediately while the remainder can depend on completing underwriting. It fits shoppers who want coverage in force fast.
Brian Greenberg•Updated Jul 2026
Company ReviewsGenworth Life Insurance Review - No New Policies
Genworth Financial no longer sells life insurance. The company suspended new sales of traditional life insurance products in 2016 and wound down its remaining life and annuity sales in the years that followed, refocusing on long-term care insurance and its Enact mortgage insurance business. Existing Genworth life policies remain in force and continue to be serviced, but shoppers looking for coverage today need to compare active carriers.
Brian Greenberg•Updated Jul 2026
Great Western Life Insurance Review - Exited the Market
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
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 ReviewsKemper 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 ReviewsLiberty 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 ReviewsLincoln 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 ReviewsMadison 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
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 ReviewsNassau 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 ReviewsNational 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 ReviewsPrimerica 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 ReviewsPrincipal 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 ReviewsProsperity 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 ReviewsPrudential 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 ReviewsSagicor 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
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 ReviewsSentinel 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 ReviewsSureBridge 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 ReviewsTransamerica 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 ReviewsTruStage 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 ReviewsUnited 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 ReviewsVoya 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 ReviewsWilliam 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 ReviewsWorld 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
Company ReviewsAARP Life Insurance Review
AARP Life Insurance is not underwritten by AARP - AARP is a nonprofit advocacy organization that licenses its brand to New York Life Insurance Company. "AARP Life" products are New York Life products marketed exclusively to AARP members ages 50+. Understanding this relationship is critical when comparing coverage options.
Brian Greenberg•Updated Jun 2026
Company ReviewsAmerican National Life Insurance Review
American National Insurance Company (ANICO) is a Texas-headquartered insurer founded in 1905. After being acquired by Brookfield Reinsurance in 2022, American National exited the new life insurance market in 2023 and pivoted to property-casualty insurance and annuities only. Existing life insurance policies remain in force.
Brian Greenberg•Updated Jun 2026
Company ReviewsAssurity Life Insurance Review
Assurity Life Insurance Company is an A- rated mutual insurance company founded in 1890 and headquartered in Lincoln, Nebraska. Assurity specializes in supplemental and specialty products: return of premium term life, critical illness insurance, accidental death and dismemberment, and disability income insurance.
Brian Greenberg•Updated Jun 2026
Company ReviewsBanner Life Insurance Review (Legal & General America)
Banner Life is the U.S. life insurance arm of Legal & General Group, a London-headquartered global insurer founded in 1836. Banner Life consistently ranks among the most competitive carriers for fully-underwritten level term life insurance, particularly on 30-year and 40-year terms. Rated A+ (Superior) by A.M. Best.
Brian Greenberg•Updated Jun 2026
Corebridge Financial Life Insurance Review
Corebridge Financial is an A rated life insurance company that spun out of AIG in 2022 and IPO'd on the NYSE. It markets the legacy AIG life insurance product portfolio, including Select-a-Term, Quick Issue Term, Quality of Life Insurance with strong living benefits, and Guaranteed Issue Whole Life.
Brian Greenberg•Updated Jun 2026
Company ReviewsEthos Life Insurance Review
Ethos Life is a digital life insurance brokerage founded in 2016 and headquartered in Austin, Texas. Ethos offers a 100 percent online application with instant decisions for term life coverage up to $2 million for healthy applicants ages 20-65. Ethos does not underwrite policies itself; coverage is underwritten by A+ rated Legal & General America (Banner Life) and other A-rated partner carriers.
Brian Greenberg•Updated Jun 2026
Company ReviewsForesters Financial Life Insurance Review
Foresters Financial is an A rated fraternal benefit society founded in 1874 and headquartered in Toronto, Canada. It is one of the largest fraternal life insurance providers in North America. Member benefits (orphan grant, scholarship, family health benefit) are included at no extra cost with every policy.
Brian Greenberg•Updated Jun 2026
Gerber Life Insurance Review
Gerber Life Insurance Company is an A rated U.S. life insurance company founded in 1967 as a subsidiary of the Gerber baby food company. While Gerber Life is now owned by Western & Southern Financial Group, it remains best known for the Gerber Grow-Up Plan, a children's whole life policy that automatically doubles its face amount at age 18.
Brian Greenberg•Updated Jun 2026
Company ReviewsHaven Life Insurance Review
Haven Life was a digital life insurance brokerage founded in 2014 as a subsidiary of MassMutual. It pioneered instant-decision term life insurance with no medical exam. Haven Life closed to new applications in 2023, with existing policies continuing to be administered by parent MassMutual.
Brian Greenberg•Updated Jun 2026
Company ReviewsLadder Life Insurance Review
Ladder Life was a digital life insurance brokerage founded in 2017 known for its flexible "laddering" feature that let policyholders adjust coverage up or down over time. Ladder was acquired by Allstate in 2024 and no longer offers new policies under the Ladder brand. Existing in-force policies continue to be administered.
Brian Greenberg•Updated Jun 2026
Company ReviewsMutual of Omaha Life Insurance Review
Mutual of Omaha is an A+ rated mutual insurance company founded in 1909 and headquartered in Omaha, Nebraska. It is one of the broadest carriers in the U.S. life insurance market with strong offerings in term, no-exam term, simplified-issue and guaranteed-issue final expense, whole life, and universal life. Famous for the Mutual of Omaha Wild Kingdom sponsorship.
Brian Greenberg•Updated Jun 2026
Company ReviewsNational Life Group Insurance Review
National Life Group (NLG) is an A rated mutual insurance holding company founded in 1848 and headquartered in Montpelier, Vermont and Addison, Texas. NLG is best known for its LiveWell product line and for including the deepest and broadest set of living benefit riders (chronic illness, critical illness, terminal illness) in the U.S. life insurance market.
Brian Greenberg•Updated Jun 2026
Company ReviewsNorth American Company Life Insurance Review
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
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 ReviewsProtective 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 ReviewsRoyal 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
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