You can purchase up to $1.5 million in coverage - a higher maximum than other no-exam policies - without the need to visit a doctor or have your blood drawn.īestow uses your personal information and medical history, hobbies and lifestyle to determine your eligibility for coverage and life insurance rates. The company sells term insurance policies (and no other type of coverage) for which you can apply online. It also offers an unusually high death benefit for policies that do not require a medical examination.īestow is our choice for individuals who want to get life insurance coverage but don’t want to go through the hassle of a medical exam. Why we chose it: We chose Bestow as the best life insurance company for no-exam life insurance coverage because it issues term life policies more quickly and easily than any other company on our list. Policies not available to residents of New York.Must be younger than 60 to qualify for coverage.Sells only one type of life insurance: term life.Although most of its plans require medical exams, it does have some simplified-issue options. State Farm sells term policies (10, 20 or 30 years), plus whole and universal life insurance policies. It's also received fewer complaints than expected for a company of its size. Individual Life Insurance Study, which measures overall satisfaction based on responses from almost 6,000 customers.Īdditionally, State Farm has an A++ (superior) rating from AM Best - the highest rating possible - indicating that it’s very financially stable. Power named State Farm the top company in its U.S. In 2022, for the third year in a row, J.D. State Farm is a leading insurance company and one that holds excellent financial strength and customer satisfaction ratings. Why we chose it: State farm is our choice for the best life insurance company overall because of its excellent reputation for customer service and outstanding record for financial stability. No discounts for bundling life with homeowners or auto insurance.Online quotes are not available for all policy options.Northwestern Mutual - Best for Policy Customization.Nationwide - Best for Bundling Discounts.New York Life - Best Whole Life Insurance.Policygenius - Best Online Life Insurance Broker.Our Top Picks for Best Life Insurance Companies Read on to find the best life insurance plan for your needs. We review their policy options and features and provide estimated premiums so you can make better-informed decisions. If you have dependents, life insurance can be a critical part of your financial plan.īelow, you’ll find our selection of the best life insurance companies in the industry. Life insurance can provide your loved ones financial security upon your death by replacing your income, covering funeral expenses, paying your children's education costs and more. Quickly pre-qualify for lifelong coverage with personalized recommendation out of many insurers and products.4.8 Google rating and A+ Better Business Bureau rating.Easy online application - no medical exams.Plans for every budget - cash value available.
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