life-insurance-companies.com is a service for consumers.
We do not sell insurance, nor are we affiliated with any insurance company.
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Online insurance companies must compete for your business. They must have low rates or you will shop elsewhere. Our database of top companies is now online for you to find which ones have the lowest rates for your specific situation.

Just click the link above and follow the instructions. Our database search engine is specific to your underwriting situation, and it is updated every month with the latest rates. So you should bookmark us now, and check back often.

We don't sell insurance, so we have no reason to hide any life insurance company from your view. (Most Internet insurance sites sell insurance, and so they show you only the companies and rates which they can sell). As an independent company, our motivation is to provide you with a trusted, unbiased source of information.

Our Top 15 List

We have analyzed the database to find out which companies have the lowest rates across a broad range of age, sex, and health criteria. Most recently, the following have been coming out on top rather consistently, and so we give you our current top 15. The list is alphabetical, and we update it frequently, so check back soon.

American General		Genworth Life		Protective
Banner Life		Lincoln National		Pruco
Cincinnati		Midland National		ReliaStar
Empire General		North American		USAA
First Colony Life		Ohio National		West Coast

Feel free to click on any of the above links for more information, including access to applications and competitive quotes. Please note that almost all companies sell only through agents. These might be "captive" agents, who only work for one company, or independent agents, free to represent many coompanies. If you contact a company to purchase coverage, they will not sell it to you. Rather, they will direct you to one of their agents.

Keep in mind that your top 15 (via the link at the top of the page) is specific to your age and other life underwriting factors. Our list is not, so use it as a quick reference point, and for general information.

Your Best Company

Another important consideration is the length of time it will take to obtain life insurance. Some companies take several months to complete the underwriting process and issue a policy. If you do not qualify for your requested rate category, you will have to decide whether to accept a more expensive category. Some companies are much better in this regard.

Don't be overly concerned with this very complicated process. A good independent agent, who works with many companies, will know the ins and outs of each company's underwriting process, and can help you choose the best one.

Other Competitive Companies

Here is the balance of our top thirty list. (Disclaimer: all information on this page is editorial in nature and represents the opinion of the authors. We welcome input, but we make all final decisions.)

Fidelity		MONY		Northwestern Mutual
Golden Rule		John Hancock		Sun of Canada
Jackson National		Old Republic		Transamerica
John Hancock		Penn Mutual		The Travelers
Midland National		Met Life		Western-Southern

Other Good Sources

• Long term reputation for low rates: Northwestern Mutual Life Insurance Company
  
• Here is a directory of life insurance companies.
  
• Research on life insurance underwriting factors.
  
• Great site for online life insurance quotes.
  
• They bring good things to life: Aetna Life Insurance
  
• This life insurance actuary has a study on life insurance quote sites.
  
• InsuranceStates - Directory of insurance companies organized by type of insurance.
• In a hurry? Then choose from these life insurance quotes.
  

Thank you for visiting. We hope this information helps as you shop for life insurance. Remember: your top companies are more important to you than our overall top 30. For your convenience, here is the link again. Click it to find your top