Top 10 Best Life Insurance 2025
1
Ethos
- Types: Term
- Coverage: Up to $2 million
- Age Limits: 20-65 years old
- Medical Exam: No
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2
MassMutual
- Types: Life Insurance
- Products: Term Life, Whole Life, Universal Life
- Coverage: Financial protection for beneficiaries
- Feature: Cash value accumulation options
3
Guardian
- Types: Term, Whole, Universal, and Variable Universal Life Insurance
- Financial Ratings: Highly rated
- Eligibility: Provides dividends on eligible whole life insurance policies
- Company History: Established in 1860
4
Northwestern Mutual
- Types: Term, Whole, and Universal Life options
- Financial Strength: High credit ratings and financial stability
- Dividends: Strong history of paying dividends on whole life policies.
- Customization: Policy customization through riders
5
State Farm
- Types: Term, Whole, Universal, and Variable Universal Life
- Agent Network: Extensive local agent presence
- Customer Service: Award-winning customer service reputation
- Additional Products: Bundling options with other insurance types
6
SBLI
- Types: Term, simple term, whole
- Coverage: Up to $1.5M
- Age Limits: Up to 85 years for term, lifetime for whole
- Medical Exam: Ages 18-50, applications up to $1M may qualify for accelerated underwriting with no medical exam
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7
Nationwide
- Types: Term, Whole, Universal, and Variable Life Insurance
- Flexibility: Customizable coverage options
- Financial Planning: Investment component in certain policies
- Online Access: asy policy management online
8
Fabric
- Types: Term, 10-30 years
- Coverage: Up to $5 million
- Age Limits: Up to 45 years
- Medical Exam: Maybe
9
Everyday Life
- Types: Term, whole
- Coverage: $5,000 – $100,000
- Age Limits: 18 to 80 years old
- Medical Exam: No
10
Ladder Life Insurance
- Types: Term, 10-30 years
- Coverage: Up to $3 million
- Age Limits: 20-60 years old
- Medical Exam: No (just health questions on the application)
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