It’s important to plan your finances around life insurance. It keeps loved ones safe from bad things that might happen. In 2025, there are a lot of options. Many things affect which life insurance policy is best. It’s important to think about things like premium prices, insurance types, and coverage limits. A lot of the time, people pick between term, whole, and universal life insurance. Whole life insurance covers you for your whole life, while term insurance only covers you for a set amount of time.
Best Overall Life Insurance Company: Nationwide
Nationwide is the best company for all-around life insurance. It has a lot of different rules. People can pick between term, whole, and universal life insurance. It is well known that Nationwide has good financial scores. The company is trustworthy because it has been in this line of work for a long time.
It’s known for having great customer service. Nationwide’s life insurance plans have choices that can be changed to fit your needs. The customer can change the amount of coverage, and monthly paymentshis adaptability lets security be tailored to each person. Nationwide also has extras, like death benefits, that start sooner.
Best Children’s Life Insurance: Protective Life
Protective Life is one of the best ways to get life insurance for kids. It has plans that are cheap and cover you for life. People often buy life insurance for their children as a way to build cash value. With its whole life choices, Protective Life gives you this. The plans are meant to cover a child for their whole life.
Over time, they gain value in cash. Children’s insurance from Protective Life has low rates. The rates for these policies will not change. This means that parents won’t have to deal with sudden price hikes. Policyholders can also add “riders” through the company. In the future, these riders can make service better.
Best Whole Life Insurance: Lafayette Life
Why is Lafayette Life different? Its whole life insurance stands out. Whole life insurance covers you for your whole life. Over time, they also gain value in cash. For long-term financial security, this makes them a good buy. Lafayette Life has plans with death payments and rates that can be changed.
The business is known for having great customer service. Whole life plans from Lafayette Life are made to meet the wants of both people and families. They offer stable rates that don’t go up as you get older. The policyholder’s beneficiaries will get money when they die. Policyholders can also borrow money against the cash value of their Lafayette Life insurance.
Best No-medical-exam Life Insurance: Penn Mutual
Penn Mutual is a great choice for life insurance that doesn’t require a medical check. This kind of strategy is preferred by many because it is easier to follow. Penn Mutual lets you get coverage quickly and easily, and you don’t even have to get a medical test. The business sells both term and long-life insurance.
These rules cover people who don’t want to go through a medical check. It is easy to get Penn Mutual’s no-medical-exam rules. For people who qualify, the company has reasonable prices. Penn Mutual is a reliable company because it has a long history of being financially stable.
Best For Customer Satisfaction: Thrivent
Thrivent stands out because of how well it does financially and how happy its customers are. Two separate rating agencies have given the company their highest possible grade. Thrivent can meet its responsibilities to members because its finances are stable.
It has different kinds of life insurance, like term and whole life plans. Thrivent cares a lot about making sure their customers are happy. The company’s rules are meant to be adaptable so that they can meet the wants of both people and families. Thrivent also provides a number of other services.
Best For No-medical-exam Life Insurance: Symetra
Symetra is another great choice for life insurance that doesn’t require a medical check. It provides security that is both cheap and easy to get. Symetra’s rules are made for people who want the application process to be faster and easier. The company offers both short and permanent life insurance plans that don’t require a medical check.
Symetra’s prices are reasonable compared to others in the same field. The company also offers coverage amounts and insurance terms that are easy to change. Symetra can keep its promises because it is financially stable. The business is known for having great customer service.
Best For Whole Life Insurance: Massmutual
If you want whole life insurance, MassMutual is a great choice. The company has provided dependable service for a long time. MassMutual’s whole life insurance protects you for your whole life. Over time, it also gains value in cash. MassMutual’s whole life plans are made to fit a range of wants. The company lets you choose your benefits and fees. Financially, MassMutual is in good shape. This makes sure the business can keep its promises to customers. Qualified policyholders can also get income from the company.
Conclusion
There are a lot of choices, from cheap short-life insurance to highly adaptable general plans. Certain types of coverage are available from companies like Nationwide, and Protective Life. Thrivent and MassMutual stand out because they are financially stable, and customers are happy with them. It’s important to think about rates, benefits, and the company’s image when picking a provider.
