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Last updated on Jun 18, 2019

List of Life Insurance Companies and Ratings

Compare the top 20 life insurance companies in the nation ​
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Life Insurance Companies and Ratings for 2019

We’ve been researching and reviewing life insurance for years, and our main takeaway is: It’s complicated. That’s why it’s good to start with the basics. Below, we rate core features like financial strength, coverage, and service for 20 of the most popular life insurance companies in the U.S. (listed from largest to smallest by market share). Take a moment to compare scores and learn a little more about the providers you’re considering before taking the next steps toward buying life insurance.

Financial Strength
Coverage and Price
Customer Service
Policy Offerings
Featured on Reviews.com
MetLife

4.75/5

4/5

3.75/5

Term life
Whole life
Northwestern Mutual

4.75/5

4.25/5

4.25/5

Term life
Whole life
Universal

New York Life

4.75/5

3.75/5

3.75/5

Term life
Whole life
Universal

Prudential

4.5/5

3.25/5

3.25/5

Term life
Whole life
Universal
Lincoln

4.5/5

2.75/5

3.25/5

Term life
Universal

Mass Mutual

4.75/5

3.25/5

3.25/5

Term life
Whole life
Universal

Transamerica

4.5/5

2.25/5

2.75/5

Term life
Whole life
Universal

John Hancock

4.5/5

2.75/5

3/5

Term life
Whole life
Universal
State Farm

4.75/5

5/5

4.75/5

Term life
Whole life
Universal

Securian

4.75/5

2/5

1.75/5

Term life
Whole life
Universal
Guardian

4.75/5

3/5

3.25/5

Term life
Whole life
Universal

AIG

4.25/5

2/5

1.75/5

Term life
Whole life
Universal
Pacific Life

4.5/5

3/5

3.25/5

Term life
Whole life
Universal
Nationwide

4.25/5

4.75/5

3.75/5

Term life
Whole life
Universal
AXA

4.25/5

2.75/5

2.75/5

Term life
Whole life
Universal
Midland National Life

4.5/5

2.25/5

3/5

Term life
Whole life
Universal
Protective Life

4.5/5

3.75/5

4/5

Term life
Whole life
Universal
Primerica

4.5/5

2/5

3/5

Term life
Mutual of Omaha

4.5/5

3.75/5

4.75/5

Term life
Whole life
Universal

TIAA Life

4.75/5

NR

NR

Term life
Universal

*MetLife life insurance is only available through employer-sponsored plans.
†Click these names for an in-depth review of the company’s coverage and ratings.

What Do Life Insurance Ratings Mean for Me?

These ratings are meant to give you an idea of how the biggest players in life insurance stack up next to one another. Even though life insurance is “out of sight, out of mind” for the most part, you want to be sure that you’re working with a reputable company in case the policy is ever needed.

That said, ratings should always be taken with a grain of salt. Remember that these scores are averages and don’t account for every individual agent, policy, or customer experience. For instance: A company with a seemingly low customer service score might actually have great agents at your local branch. A company with sub-par coverage ratings could still offer speciality coverage items that you’re looking for.

Use our life insurance ratings as a starting point, but be sure to do your own research, too. Start by clicking the providers accompanied by a “†” symbol for more information about coverage, service, and in-depth company comparisons. And if you’re not comfortable comparing policy options on your own, we recommend speaking with an independent agent. They represent multiple companies and can help you find the one that best fits your needs.

Our Life Insurance Rating System

Our rating system incorporates scores from official agencies like the National Association of Insurance Commissioners, as well as consumer-based survey groups like J.D. Power. We’ve translated each company’s rating scale into a five-star system to make comparisons a little easier.

Next Steps

How does life insurance work, anyway?

  • Start with our guide to life insurance for a debrief on who needs life insurance, how different policies work, and how to start your search.

What kind of policy do I need?

I want to learn more about:

I’m ready to start comparing prices.

  • Life insurance premiums vary widely from person to person and company to company. Use our life insurance quote tool to find the most popular providers in your area and start comparing rates.

About the Authors

Maggie Overholt

Maggie Overholt Contributor

Maggie is a former lead insurance editor at Reviews.com. She's written more than 70 insurance articles covering homeowners, auto, life, motorcycle, travel, and more.