Have you ever wondered who the top 10 best life insurance companies in the United States are? The answer you get will vary depending on who you ask and the criteria they are using. People will often ask or search for What are some good life insurance companies? That all depends on the meaningof the word “good”. The criteria we are using is based on the prices offered and the unique niches the company fills. This article was written to help those who are trying to decide which life insurance company to apply with by giving potential life insurance applicants an insight on what SHOULD be happening during your initial life insurance interview. Nearly every term and whole life insurance application will share many of the same questions.

1. Top 10 Best Life Insurance
Companies in the United States as of
May 1, 2015.
(According to TermLife2Go)
Have you ever wondered who the top 10 best life insurance companies in the United States are? The
answer you get will vary depending on who you ask and the criteria they are using. People will often ask or
search for What are some good life insurance companies? That all depends on the meaningof the word
“good”. The criteria we are using is based on the prices offered and the unique niches the company
fills.
This article was written to help those who are trying to decide which life insurance company to apply with
by giving potential life insurance applicants an insight on what SHOULD be happening during your initial
life insurance interview. Nearly every term and whole life insurance application will share many of the same
questions. These questions should serve three purposes:
1.Help determine if you’ll qualify for the life insurance being applied for.
2.Determine what price you’ll end up paying for your life insurance.
3.And assuming you’re applying for life insurance through a life insurance broker, these questions
should also help determine which life insurance company will be the best for you!
Best Life Insurance Companies in the
United States
Below we have listed the top 10 best life insurance companies that we most frequently recommend to our
clients along with a brief synopsis on their strengths and weaknesses. Since each of these carriers will
potentially be the “best” carrier for any given situation, we’ve chosen to list them in alphabetical order and
would like to state for the record that this list is a “fluid” one.
And note, on any given day one of the over 60 different carriers that we represent may in fact change one
of their underwriting guidelines which is why it is so important to choose an agency that focuses primarily
on placing term and whole life insurance policies and nothing else.
Top 10 best life insurance carriers in the United States
as of May 1, 2015.
1.American General

2. 2.American National
3.Banner
4.Foresters
5.Genworth
6.MetLife
7.North American Company for Life and Health
8.Protective
9.Prudential
10.SBLI
1. American General (AIG)
A.M. Best Rating: A
American General Life insurance can be the right choice for many simply because they seem to be the
“Jack of all trades” in the insurance industry. The Company’s underwriting is flexible, their pricing falls right
in the upper area of the industry average, and they have exceptional customer service.
Strengths:
•Great carrier for higher risk applicants, especially those looking for life insurance with type 2 diabetes.
•A 25 year term product (most life insurance carriers only offer a 20 or 30 year term product).
Particularly beneficial for those looking for a 30 year term but just aren’t comfortable with the price tag!
You can also tailor your term to a specific length from 15-30 years.
•American General offers the typical accelerated death benefit rider (free of charge). Which means if
you are diagnosed as terminally ill, you can receive a portion of your life insurance while you are still
alive which can be used to help pay bills, hospice, or other important matters.
•American General offers some of the best rates on Guaranteed Universal Life insurance to age 121.
This is a fixed premium policy that becomes fully vested at age 121. If you die before age 121 it pays
out the full face amount. If you live beyond age 121 then you can cash the policy in for the full face
amount. Realistically, it is basically a whole life policy that lasts the rest of your life but with a lower
premium. This is a great option for business succession planning such asfunding a buy-sell agreement
with life insurance.
Weaknesses:
•Ironically, if you choose to purchase American General directly through their retail call center AIG
Direct, you may not qualify if you appear to be a high risk applicant. The company’s call center likes to
focus on standard risk or better applicants.
•Not a great choice for those with recent bankruptcies or DUI’s.
•Also, this may not be your best option if you have a previous felony charge; particularly if the felony is
related to drugs or sexual assault.
•Candidates will also be disqualified if they plan on traveling to many regions of Mexico within the next
two years.
Sample American General Guaranteed Universal Life Insurance to age 121 quotes for a 30 year old
male
Quotes are based on a preferred plus rate class and monthly premiums
$100,000 $250,000 $500,000 $1,000,000 $2,500,000
$43.31 $87.06 $163.19 $315.00 $770.00

3. Sample American General Guaranteed Universal Life Insurance to age 121 quotes for a 50 year old
male
Quotes are based on a preferred plus rate class and monthly premiums
To learn more please visit our American General Life Insurance Company Reviews
2. American National Insurance Company (ANICO)
A.M. Best Rating: A
American National Insurance Company is another highly rated insurance company with great customer
service that we really like to offer to clients who are looking for traditional term or whole life insurance
coverage with or without having to take a medical exam. The products that they offer that don’t require a
medical exam are:
Freedom Term Life Insurance
•This is a no medical exam term life insurance policy.
•Face amounts up to $250,000.
•No exam term life insurance for 10, 20 or 30 years.
•Approval in less than 15 minutes.
ValueGuard Whole Life Insurance
•This is a no medical exam whole life insurance policy.
•Face amounts up to $150,000.
•Approval in less than 15 minutes.
And Legacy Whole Life Insurance
•No exam and no health questions guaranteed issue whole life insurance.
•Coverage available up to $25,000.
•Available for ages 50-80.
•2 year Graded Death Benefit (If you die in the first 2 years policy returns 110% of premium paid).
•You can have coverage in as quickly as 5 minutes.
•Fixed premiums and fixed death benefit.
Strengths:
•American National is one of the best no medical exam life insurance companies available.
•With a no medical exam term policy for up to $250,000 and a no medical exam whole life policy for up
to $150,000, ANICO Direct offers clients an excellent alternative to a more traditional medical exam
$100,000 $250,000 $500,000 $1,000,000 $2,500,000
$82.60 $185.50 $359.63 $708.75 $1,754.38

4. term or whole life policy.
Weaknesses:
•As with most no medical exam life insurance policies, the premiums will typically be higher than a life
insurance policy with a medical exam.
•Therefore, if you are looking for the lowest premium for your life insurance, a no medical exam policy
is probably not going to be the best option for you.
•Lastly, for many a $150,000 or $250,000 life insurance policy may not be enough. For those
applicants seeking more coverage ANICO no medical exam life insurance simply isn’t the right fit.
To learn more please visit our American National Life Insurance Company Reviews
3. Banner Life
A.M. Best rating: A+
What would a top 10 list of the best life insurance companies in the United States be without Banner?
Banner Life is one of our favorite carriers to write with not only because of their A+ rating but also because
of their exceptional service and price. Banner will typically be one of the lowest priced insurance product
available to our clients. And what is nice about them is that they’re underwriting is typically quite
liberal when it comes to qualifying for their Preferred and Preferred Plus rate classes.
Strengths:
•Great carrier for higher risk applicants especially type 2 diabetics and type 1 diabetics.
•Banner Life policies are renewable and convertible to the age 95 (most competitors only allow policies
to be renewed to age 90) which will provide its policy holders an added benefit towards the end of their
term life policies if needed.
•Excellent pricing on table rates (i.e. rates below standard).
•Lastly, Banner Life also offers an accelerated death benefit rider as well (free of charge).
Weaknesses:
Approval times: Banner Life Insurance Company’s premiums are so good that the company is often
swamped with clients looking to buy life insurance from them. Banner is a large company but having a lot of
applicants can slow underwriting down. We wish Banner was a bit faster in the underwriting department but
we also understand why the process can slow at this stage. When it comes to saving a ton of money over
the life of a policy many clients are willing to put up with longer underwriting timelines.
Limited options: Not to be too picky but another weakness would be Banner’s lack of term options and
riders.
Sample Banner Life Insurance quotes for a 50 year old male at a substandard rate class
All quotes are based on a $250,000 Table B or Table 2. In each category Banner ranks #1 for price.
10 Year 15 year 20 year 30 year GUL to 121
$57.75 $73.50 $98.44 $176.53 $N/A

5. To learn more please visit our Banner Life Insurance Company Reviews
4. Foresters Life Insurance
A.M. Best Rating: A
Probably the hardest thing about writing a life insurance policy with Foresters Life Insurance company is
the work that it takes to familiarize an applicant with who they are. Because the truth is, Forrester’s life
insurance company is a really great insurance carrier that is willing to offer traditional term and whole life
insurance coverage for even some of the most difficult cases.
For example:
We recently had a “high risk” applicant get approved who had a stent put in place in 2010 and is currently
receiving SSI disability benefits due to his inability to continue his previous line of work! Which if you’re
familiar with the life insurance industry you’ll know that not many life insurance carriers are willing to take
on such a client.
Strengths:
•Strong product line. Foresters offers term life insurance, whole life insurance, universal life insurance,
final expense and accidental death insurance.
•Extremely liberal underwriting guidelines.
•Competitive pricing.
Negatives:
If one considers not having a “name brand” a negative then Foresters might not be the right carrier for
you. However, if you do have a serious pre-existing condition we would strongly encourage you to do
some research on Foresters, because in our opinion, they’re a great life insurance company. And given the
health conditions the Company is willing to insure they are priced very aggressively!
To learn more please visit our Foresters Life Insurance Company Reviews
5. Genworth
A.M. Best Rating: A
With over $100 billon in assets and a global presence in over 25 countries it not hard to see when
Genworth made our list as one of the top 10 life insurance companies in the US. That combined with their
liberal take on ones “waist band” makes them one of the first companies that we look at here at
TermLife2Go for some of our “LARGER BUILD” clients. But let’s back that up with a few numbers.
For example:
Would you consider a 5’9” male, age 35, weighing in at 203 pounds a perfect candidate? Genworth does.

6. How about a 5’5” female, age 47 weighting 180 pounds? Genworth would place this applicant in its best
rate class as well! These same applicants, if they were to apply with another life insurance company, would
have a very difficult time qualifying for a “Preferred Plus” rate class simply because most other life
insurance carriers have much stricter build ratio guidelines It’s also important to note that Genworth’s liberal
weight classes will also help benefit those who aren’t necessarily a candidate for the absolute best rate
class out there. For example, let’s take look at what Genworth feels is a “Standard Risk”: That 5’9”, 35 year
old male that we talked about early could now weigh in at 236 pounds, and our 47 year old female could
now weigh in at 210 pounds and still be considered an “average” weight!
Strengths:
•Not to beat a dead horse, but did we mention Genworth has liberal guidelines when it comes to one’s
weight?’
•Genworth also has a ton of different products to choose from ensuring that there sure to have
something for everyone.
Weaknesses:
Aside from weight, Genworth can be a little strict with certain medical conditions and family medical
histories, which is why we at TermLife2Go pre-screen all of our applicants with nearly every question from
Genworths’ application to be certain that you will be a good fit prior to you applying.
To learn more please visit our Genworth Life Insurance Company Reviews
6. MetLife
A.M. Best Rating: A+
Because MetLife is such a great company, it’s one of those few companies that really does need to be
“ruled out” before we look anywhere else simply because who doesn’t love “Snoopy”?! But seriously,
MetLife is a great insurance company known for their financial strength and great customer service and
when competitive in price they’re usually a great fit.
Strengths:
•MetLife is very good about insuring active military personnel.
•MetLife must also be considered for any type 1 diabetics (however depending on the age of onset,
MetLife may not be the best price option for type 1 diabetics).
Weaknesses:
Price. In a world where price is king, MetLife won’t always compete. The advantage of working with
TermLife2Go however is MetLife will always be considered an option so if they’re a competitive option for
you or price doesn’t matter, MetLife Insurance may be the right fit for you!
To learn more please visit our MetLife Life Insurance Company Reviews

7. 7. North American Company For Life and Health Insurance
A.M. Best Rating: A+
Don’t let the name fool you, just because the name North American Company for Life and Health Insurance
doesn’t roll off your tongue doesn’t mean you shouldn’t at least check them out before you decide who you
want to apply for life insurance with. As a privately owned insurance carrier, North American Company for
Life and Health Insurance has consistently demonstrated that through sound investments in secure and
stable assets, it can maintain the highest A.M. Best rating in financial strength and stability.
Strengths:
•Solid product line, offering term life insurance, universal life insurance and indexed universal life.
•Exceptional Customer Service.
Weaknesses:
We’ve said it before and we’ll say it again, with so many great companies out there to choose from, price
can become the deciding factor for many. That being said, when North American Company for Life and
Health is close, they should always be considered a viable option.
To learn more please visit our North American Company for Life and Health Insurance Reviews
8. Protective Life Insurance Company
A.M. Best Rating: A+
Just like Banner Life above, no top 10 list of the best life insurance companies in the United States is
complete if it does not include Protective Life. You just gotta love a company whose motto is: “Do the Right
Thing, Serve People, Build Trust and Simplify Everything.” And they’ve been doing it that way since 1907.
Now throw in fact that they are nearly always the most affordable term life insurance provider in the
industry today and it can sometimes be difficult to think of a situation when they shouldn’t at least be
considered right from the start.
Often people will ask what life insurance companies pay out. The answer would be that all life insurance
companies in our list pay out. However, Protective is one of the better companies. According to the
Company’s website, the average processing time for a life insurance payout was 5.4 business days. That is
a great job by a great company that puts the needs of the client, and his or her beneficiary, first.
Strengths:
•A+ rating the A.M. Best.
•Been in existence since 1907.
•Highly competitive pricing. Typically one of the most affordable—if not the most affordable option
available. Which is great if you need inexpensive term life insurance to cover an SBA loan or key man
life insurance.

8. Weaknesses:
•Not always the most liberal with “higher risk” applicants which could lead to higher premiums or denial
of coverage.
•All tobacco users are considered the same.
To learn more please visit our Protective Life Insurance Company Reviews
9. Prudential (Pruco)
A.M. Best Rating: A+
Prudential, Pruco, or, “the Rock”, is just one of those companies that everyone’s heard of, everyone knows,
and everyone feels comfortable working with. Because after all, they are a great company! We particularly
like Prudential because, even though they are very well known, they seem to have made the financial
decision to simply dominate certain “niches” within the insurance industry. Prudential Life Insurance has
done this not only by assuming the lowest pricing in certain areas but also by separating themselves from
the herd by adopting some unique underwriting guidelines when it comes to:
•Travel locales
•Tobacco Use
•Cancer Survivors
•DUI’s
•Diabetes.
•Actual age instead of nearest age.
Which is why given certain circumstances, Prudential Life Insurance is hands down the best company to
choose.
Strengths:
•Creative underwriting.
•Solid product line.
•Prudential will use an applicants true age in determining premium rather that rounding up or down
based on which birthday is closer to the date of application. A common practice within the life
insurance industry known as “insurance age” vs “actual age”.
Weaknesses:
Price. While Prudential excels in certain “niches”, they aren’t always competitive outside the Company’s
area of “expertise”.
To learn more please visit our Prudential Life Insurance Company Reviews

9. 10. SBLI
A.M. Best Rating: A+
The self proclaimed “No Nonsense Life Insurance Company”, SBLI, in our experience, is just that. You get
what you get! Known throughout the industry as being one of the more customer centric life insurance
carriers out there, SBLI seems to have used its smaller size to allow it to not only provide great customer
service but also to be a price leader in many categories, particularly for those willing to pay on an annual
basis.
Strengths:
•Great customer service.
•Price — particularly when premiums are paid annually.
•Term Lengths — offering a full suite of term lengths: 10, 15, 20, 25, and 30 year terms available.
•SBLI also offers a yearly renewable term product for those who are looking for a shorter term such as
those seeking to fund an estate with life insurance, cover an SBA loan with life insuranceor secure life
insurance for a divorce decree.
Weaknesses:
•Product offerings and riders can be limiting.
•Underwriting can be a bit stricter that other competitively priced carriers.
To learn more please visit our SBLI Life Insurance Company reviews
Honorable Mentions
Although these companies did not make our top ten life insurance companies list, they deserve mention as
they are excellent companies in their own right. You can find out more by clicking of the links provided.
Voya Life Insurance Reviews (Offers one of the best Indexed Universal Life Insurance policies in the
marketplace)
Transamerica Life Insurance Reviews (Excellent senior life insurance company)
Sagicor Life Insurance Reviews (no medical exam term and Guaranteed Universal Life up to $400,000)
United of Omaha Life Insurance Reviews (excellent “actual age” company for older clients)
The Principal Financial Group Life Insurance Company Reviews (No medical exam coverage up to one
million dollars)
And there you have it—TermLife2Go’s top 10 life
insurance companies in the U.S. as of May 1, 2015.
We list the date above because we offer over 60 different life insurance companies to choose from and
we’re constantly reviewing pricing and underwriting guideline changes so that we’re sure to stay on top of

10. any changes within the industry. Today’s top life insurance companies are not necessarily going to be the
same down the road. Which is why it is so important for you the consumer to choose a life insurance
brokerage that is not bound to any one life insurance company and whose sole purpose is to find you and
your family the coverage you deserve, a brokerage such as TermLife2Go. Need life insurance fast? We
also have a guide to the top 10 no medical exam life insurance companies if you either need life insurance
today or do not want to take an exam. And for those of you who need burial insurance, our Best Final
Expense Companies list will help point you in the right direction.
TermLife2Go
TermLife2go is an agency that works with over 60 top rated life insurance companies. Our #1 priority is to
find you the best company at the best price…for you! That means we tailor a policy specifically to you
because no two clients are alike. Let us leverage our expertise for you and see if we can’t save you
thousands of dollars on life insurance. We are not a call center. We do not favor one life insurance
company over another. Instead, we find out what you need and then we recommend the lowest priced, best
life insurance company to meet your specific need. Therefore, if price matters to you, give us a chance to
earn your business. We are here to serve you! Call today @ 866-760-8740.