[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.easyquotes4you.com\/the-best-life-insurance-companies\/#BlogPosting","mainEntityOfPage":"https:\/\/www.easyquotes4you.com\/the-best-life-insurance-companies\/","headline":"The Best Life Insurance Companies for 2025","name":"The Best Life Insurance Companies for 2025","description":"At EasyQuotes4You, we are looking out for you. Our whole existence is based on saving you time, money, and your sanity while you shop for life insurance. We have done the research and come up with what we believe our the best life insurance companies in America for 2019.","datePublished":"2019-01-09","dateModified":"2025-12-03","author":{"@type":"Person","@id":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/#Person","name":"Rob Pinner","url":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Rob Pinner","logo":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2019\/01\/top-5-life-insuranc-companies-2019-1.jpg","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2019\/01\/top-5-life-insuranc-companies-2019-1.jpg","height":1008,"width":1200},"url":"https:\/\/www.easyquotes4you.com\/the-best-life-insurance-companies\/","about":["Reviews"],"wordCount":2768,"keywords":["aig","aig-american general","American General Life","american general review","american national","American National Life","American National Life Insurance Company","american national review","best insurance companies","best life insurance companies","final expense","independent agent","indexed universal life","indexed universal life policy","north american","North American Life","north american life and health","permanent life insurance policy","protective","Protective Life","term life","top life insurance companies","Transamerica","Transamerica Life","Transamerica Life Insurance","Transamerica review","universal life","variable life","variable universal life","whole life"],"articleBody":"            Quick Navigation Links                                    Show                                                    1                The Best Life Insurance Companies for 2025                                2                Financial Strength Is Important                                3                Offers a Variety of Products                                4                Premium Rates do Matter                                5                Underwriting Guidelines                                6                Customer Service                                7                Who are the best life insurance companies?                                8                AIG-American General Life                                9                Products Offered by AIG-American General                                10                American General Term Life Insurance                                11                American General Life Insurance Select-A-Term Rates                                12                American General Guaranteed Universal Life                                13                AIG-American General Secure Lifetime GUL 3 Rates                                14                American General Guaranteed Issue Life Insurance                                15                AIG Guaranteed Issue Rates                                16                Pros of AIG-American General                                17                North American Company for Life and Health Insurance                                18                Products Offered by North American                                19                Term Life Insurance offered by North American                                20                Sample North American Term Life Rates                                21                Guaranteed Universal Life offered by North American                                22                Custom Guarantee Sample Rates                                23                Indexed Universal Life offered by North American                                24                NORTH AMERICAN LIFE IUL PRODUCTS:                                25                Strengths of North America                                26                American National Insurance Company (ANICO)                                27                Products Offered by American National                                28                Term Life Insurance offered by ANICO                                29                Sample American National Insurance Term Life Rates                                30                20 Year Term-Standard Non-Tobacco                                31                Guaranteed Universal Life offered by ANICO                                32                Sample ANICO Guaranteed UL Rates                                33                Strengths of ANICO                                34                Transamerica Life Insurance Company                                35                Products Offered by Transamerica Life                                36                Term Life Insurance offered by Transmerica Life                                37                Sample Transamerica Trendsetter Super Rates                                38                FINAL EXPENSE INSURANCE OFFERED BY TRANSAMERICA                                39                Transamerica Immediate Solution Rates                                40                Strengths of Transamerica                                41                Check out our top 10 final expense life insurance companies here                                42                Protective Life Insurance Company                                43                Products Offered by Protective Life Insurance                                44                Term Life Insurance By Protective Life                                45                Protective Life Insurance Company Term Rates                                46                Strengths of Protective                                47                Final Thoughts                                48                Frequently Asked Questions                                49                What are the best life insurance companies?                                50                What is life insurance?                                51                What should I look for in a good life insurance company?        The Best Life Insurance Companies for 2025At EasyQuotes4You, we are looking out for you. Our whole existence is based on saving you time, money, and your sanity while you shop for life insurance. We have done the research and come up with what we believe our the best life insurance companies in America for 2020.We are independent life insurance agents and our #1 goal is to find you the best policy from a top rated life insurance company. We never want to push you  into the wrong insurance plan.Your life insurance need is not a one size fits all. It is unique to you and you only. No two clients are ever the same and we understand this. We focused on the companies that have the following criteria:Financial StrengthBest PoliciesBest Premium RatesBest Underwriting RequirementsBest Customer ServiceFinancial Strength Is ImportantThe best life insurance companies should always be highly rated with agencies such as A.M. Best, BBB, Fitch\u2019s, etc. A top rating insures that the life insurance company is financially stable and will be able to pay claims when the time comes. Offers a Variety of ProductsWhen we comprised our list of the best life insurance companies for 2021, we factored in which companies offered multiple types of products. We understand that life insurance isn\u2019t a one size fits all type of product. Consumers have different needs and wants which can\u2019t be done if you only offer one type of insurance.Premium Rates do MatterAlthough it\u2019s great to have multiple products to choose from but lets be honest, premium rates do matter. This is why we factored this into our decision when choosing the best life insurance companies. Underwriting GuidelinesAn important factor that most consumers and agents forget to take into consideration. Yes most companies do go by the same guidelines but they also have their niches. This means that one company may be more favorable to diabetics than another, and this is important in insuring you get the best premium possible.Customer ServiceNobody enjoys bad customer service! This is why the best life insurance companies that we chose all have outstanding customer service.Who are the best life insurance companies?Now that we have told how we came up with our list for the best life insurance companies of 2021, it\u2019s time to reveal. We will be doing a broad review of each company with highlights on the products that are most popular. Enjoy\u2026\u2026AIG-American General LifeAmerican General Life is always near the top of everyone\u2019s list of the best life insurance companies. They boast an \u201cA\u201d rating from A.M. Best and is known as the \u201cjack of all trades\u201d in the insurance world.AIG-American General Life offers competitive pricing with excellent customer service. They pride themselves on having claims paid in as little as 7 business days, which is extraordinary.Products Offered by AIG-American GeneralLevel Term Life InsuranceWhole Life InsuranceIndexed Universal LifeGuaranteed Universal LifeTraditional Universal LifeVariable Universal LifeGuaranteed Issue Whole LifeSurvivor-ship GULCritical IllnessDisability IncomeFixed, Indexed, and Variable AnnuitiesAmerican General Term Life InsuranceAmerican General Life term life product is referred to as Select-A-Term. Select-A-Term offers guarantee periods of 10-35 years depending on your age. The Select-A-Term also comes with a living benefits rider at no extra charge. The living benefits rider allows you to access a portion of the face amount early for certain illnesses. American General Life Insurance Select-A-Term RatesRates are for a 20 year term-Standard Non-TobaccoAmerican General Guaranteed Universal LifeIf you are looking for something that won\u2019t expire, then American General Life\u2019s Secure Lifetime GUL 3 is your answer. The Secure Lifetime GUL 3 comes with a guaranteed premium and death benefit to age 120. The Secure Lifetime GUL 3 can be customized to guarantee premium to certain ages, such as guarantee to age 95. Shortening the guarantee period will decrease the premium needed.The Secure Lifetime GUL 3 also comes the living benefits rider. Guaranteed Universal Life policies are great for estate planning, leaving a legacy, or with buy\/sell agreements.AIG-American General Secure Lifetime GUL 3 RatesRates based on Standard Non-Tobacco Health ClassAmerican General Guaranteed Issue Life InsuranceIf you have ever been declined for life insurance, then you know how incredibly frustrating that can be. And the chances are, unless something with you changes, you won\u2019t ever qualify.Well, AIG has the answer for you. This is with there guaranteed issue life insurance. They ask no health questions and are approved instantly. Issue ages are between 50-85 years of age with a maximum benefit allowed is $25,000.AIG Guaranteed Issue RatesPros of AIG-American GeneralExcellent choice for high risk applicants, such as diabetics.Term life insurance can be tailored to your needs, an example being able to by a 17 year term instead of a 15 year or 20 year.Excellent living benefits rider which is free of charge on all term policies.Some of the lowest Guaranteed Universal Life ratesReturn of Premium Disability Income PolicyNorth American Company for Life and Health InsuranceNorth American has been doing business in the United States since 1886 and carries a rating of  \u201cA+\u201d from A.M. Best. North American is a privately owned company offering insurance coverage along with financial products.North American has quietly become one of the best life insurance companies with competitive rates, excellent customer service, and their high rating from all 3 credit agencies. This company is one you will want to ask about when shopping for life insurance.Products Offered by North AmericanTerm Life InsuranceGuaranteed Universal LifeGuaranteed Indexed Universal LifeIndexed Universal LifeSurvivorship IULFixed and Indexed AnnuitiesTerm Life Insurance offered by North AmericanNorth American\u2019s term life insurance product is called ADDvantage Term. It comes in term periods of 10, 15, 20, or 30 years depending on your age. Premiums and death benefit are guaranteed for the term period. The ADDvantage Term also comes with a living benefits rider at no extra charge.Sample North American Term Life Rates20 Year Term-Standard Non-TobaccoGuaranteed Universal Life offered by North AmericanThe Custom Guarantee is North American\u2019s guaranteed universal life insurance policy. If offers a guaranteed premium and death benefit to age 120. The Custom Guarantee also has the living benefits rider attached at no extra cost. Custom Guarantee Sample RatesPreferred Non-Tobacco- Guaranteed to age 120Indexed Universal Life offered by North AmericanNorth American Company is one of the leading innovators when it comes to their indexed universal life product portfolio. The way interest is credited is how an indexed universal life policy differs from other universal life policies (like Custom Guarantee).Not only is a declared interest rate offered, IUL\u2019s also offer an option linked to selected market indices (such as S&P 500 and Nasdaq).Indexed Universal life offers a life long death protection with potentially higher cash value growth, flexible premiums, and tax advantages.These policies come with a floor and a cap which ultimately determines your interest earned. The floor limits your losses and is usually 0-1% depending on the product. The cap will limit the amount of interest you will earn, with cap rates around 11-12%.IUL\u2019s are permanent products and works well when lifetime coverage is needed. Top reasons for purchasing an indexed universal life are:Supplement RetirementEstate PlanningFunding a Special Needs TrustLeave a LegacyNORTH AMERICAN LIFE IUL PRODUCTS:Builder IULGuarantee Builder IUL\u2013 Offers a guaranteed premium.Rapid Builder IUL\u2013 Cash value accumulates faster with an option to waive surrender charge.Survivorship IUL\u2013 Great second to die policy used for estate planning and\u00a0special needs trusts.All of the North American Company indexed universal life policies come with the critical and terminal illness riders at no extra cost.Strengths of North AmericaThey have great pricing for certain age bracketsExceptional customer serviceExcellent ProductsStrong financial outlookAmerican National Insurance Company (ANICO)American National Insurance Company has been making some noise in the insurance industry with their innovative accelerated underwriting process call \u201cXpress Plus\u201d. This allows for consumers to skip the medical exam for face amounts of $250K or less and in some instances, up to 1 million.American National boasts an \u201cA\u201d rating with A.M. Best which signifies a strong financial outlook and solidifies their spot as one of the best life insurance companies for 2021.Products Offered by American NationalTerm Life InsuranceWhole Life InsuranceCredit Life InsuranceGuaranteed Universal Life InsuranceIndexed Universal Life InsuranceVariable Universal Life InsuranceFixed AnnuitiesTerm Life Insurance offered by ANICOAmerican National Life Insurance has an innovative term life insurance product that comes with the accelerated benefit rider (also known as living benefits rider) attached at no extra cost.These policies can be no-medical exam or fully underwritten depending on the amount of death protection needed. American National Insurance Company term periods are available in 10, 15, 20, and 30 years.ANICO\u2019s Signature Term is competitive compared to other top insurance carriers such as Protective and American General.All Signature Term policies are convertible to any permanent life policy that ANICO currently offers without any health questions asked. You are allowed to convert anytime during the term period up to your 65th birthday.ANICO Signature Term is great product used in place of mortgage protection insurance sold through a bank.Sample American National Insurance Term Life Rates20 Year Term-Standard Non-TobaccoGuaranteed Universal Life offered by ANICOThe Signature GUL is ANICO\u2019s most popular universal life policy because:Guaranteed Premium to age 120Guaranteed Death BenefitAccelerated Benefits RiderGuaranteed Cash-Out RiderThe guaranteed cash out rider allows you surrender your policy in return you receive a part or all of the premiums you have paid in. You are allowed the option to cash out in the 15th, 20th, and 25th years of your purchase date. This rider is also FREE!Sample ANICO Guaranteed UL RatesStandard Non-Tobacco Rates- Guaranteed to age 121Strengths of ANICOOne of the best in no-medical exam life insuranceLiving benefits rider on all policies free of chargeStrong Guaranteed UL policy with Return of Premium featureExcellent ProductsGreat term product that can be used as Mortgage Protection InsuranceTransamerica Life Insurance CompanyTransamerica Life Insurance Company is a well known life insurance company that\u2019s famous for its trademark \u201cPyramid\u201d. Transamerica has a strong financial outlook according to A.M. Best, who gave them an \u201cA+\u201d rating. They are always in the top tier when it comes to pricing and have excellent customer service to boot.Products Offered by Transamerica Life Term Life InsuranceFinal Expense InsuranceIndexed Universal LifeTraditional Universal LifeTerm Life Insurance offered by Transmerica LifeThe Trendsetter Super Series is Transamerica Life\u2019s stand alone term insurance product. The Trendsetter Super offers term periods of 10, 15, 20, 25, and 30 years depending on your age.The minimum face amount is $25,000 with guaranteed premiums for the chosen term length. The death benefit remains level throughout the contract.The Trendsetter Super is also convertible to a permanent policy till the end of the term period or age 70, whichever is first. If you were given a Preferred Plus rating you can convert up to age 75.Riders that can be added for an extra fee are:Accidental Death Benefit RiderChildren\u2019s Insurance RiderWaiver of Premium RiderThe Trendsetter Super comes with an Terminal Illness Accelerated Death Benefit Rider at no extra cost.Sample Transamerica Trendsetter Super Rates20 year term- Preferred Non-Tobacco- Monthly RatesFINAL EXPENSE INSURANCE OFFERED BY TRANSAMERICAFinal Expense Insurance is a simplified issue whole life policy with limited death benefits designed to pay for funeral expenses and small debts. These policies are usually easier to qualify for because of there lenient underwriting.Transamerica Life Insurance Company offers 3 final expense options. They are:Immediate Solution10-Pay SolutionEasy SolutionTransamerica Immediate Solution RatesStandard Non-Tobacco Rate ClassStrengths of TransamericaGreat life product for seniorsOption for a non-medical term up to $250KA\u00a0 great Living Benefits Term life insurance product offeredGood Customer ServiceCheck out our top 10 final expense life insurance companies hereProtective Life Insurance CompanyProtective Life Insurance was given an \u201cA+\u201d rating form A.M. Best. Their company motto is \u201cDo the right thing, serve people, build trust and simplify everything.\u201d They have been following this motto since 1907.Products Offered by Protective Life InsuranceTerm Life InsuranceGuaranteed Universal LifeWhole Life InsuranceSurvivorship ULIndexed Universal LifeVariable Universal LifeTerm Life Insurance By Protective LifeTerm life insurance is the most popular life insurance product on the market. This is simply because term life insurance is easy to understand and much cheaper than permanent life insurance.Protective Life Insurance term life is called the Protective Classic Choice. They boast that the Protective Classic Choice has rates up to 49% less than the competition, which allows you to get more coverage to protect your loved ones.Protective Life Insurance Company Term RatesStandard Non-Tobacco Rates- 20 Year TermStrengths of ProtectiveTheir guaranteed universal life is unique compared to other companies. It comes with 10, 20, 30 year term options. Once the policy term expires, the face amount starts to decrease but your premium stays the same.Very competitive pricing on all of their products, with term rates always ranking in the top 5 for value.Final ThoughtsFirst and foremost, this is not a list composed of reviews from other consumers. This list of the best life insurance companies was created by our own personal experience with over 25 of the top life insurance companies in America. While there are many other great life insurance companies, the ones we have listed have shown to be above and beyond the rest when comes to customer service, competitive pricing, and multiple products to choose from.With that said, if you are looking to purchase life insurance it\u2019s always good to work with an independent agent or agency, like us, that has access to multiple life insurance carriers. Independent agents will be able to find the life insurance policy that best meets needs and the needs of your loved ones. If you have any questions or comments please don\u2019t hesitate to leave a comment or give us a call.Frequently Asked Questions\t\t\t\t\t\tWhat are the best life insurance companies?\t\t\t\t\t\t\t\t\t\t\t\t\t\tIn our opinion, the best life insurance companies to buy from are:-Protective Life-American National-American General-Transamerica-North American\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhat is life insurance?\t\t\t\t\t\t\t\t\t\t\t\t\t\tLife insurance is a contract between you, the insured, and the insurance company. The life insurance company agrees to pay a lump sum of money to your beneficiaries if you die prematurely in exchange for a monthly premium.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhat should I look for in a good life insurance company?\t\t\t\t\t\t\t\t\t\t\t\t\t\tYou should always look for these things before choosing which insurance company to do business with:-Financial Strength-Best Policies-Best Premium Rates-Best Underwriting Requirements-Best Customer Service \t\t\t\t\t\t\t\t\t\t{\t\t\"@context\": \"https:\/\/schema.org\",\t\t\"@type\": \"FAQPage\",\t\t\"mainEntity\": [\t\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"What are the best life insurance companies?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"In our opinion, the best life insurance companies to buy from are:-Protective Life-American National-American General-Transamerica-North American\"\t\t\t\t\t\t\t\t\t}\t\t\t}\t\t\t,\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"What is life insurance?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"Life insurance is a contract between you, the insured, and the insurance company. 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