Top 28 highest-rated life insurance companies in the United States

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In 2025, the landscape of life insurance in the United States showcases 28 highly-rated companies committed to innovation and personalized service. From Occidental Underwriters in Hawaii, specializing in diverse insurance products, to SBLI in Massachusetts, known for affordability, these firms excel in unique coverage solutions catering to specific needs. With specialties ranging from whole life policies to final expense coverage, this guide offers banking and investment professionals essential insights into each company's strengths and strategic focus.

Occidental Underwriters of Hawaii, Ltd. logo

Occidental Underwriters of Hawaii, Ltd.

🇺🇸 1163 South Beretania Street Honolulu, Hawaii 96814, US

Occidental Underwriters of Hawaii, Ltd. is an insurance brokerage that specializes in a range of products including life, long-term care, disability, and critical illness insurance, as well as annuities and retirement planning. With a focus on preserving family, life, and legacy, it offers tailored solutions to meet the unique needs of its clients.

insurance
life insurance
long-term care
disability insurance
critical illness
annuities
retirement planning
estate planning
business insurance
Company size: 11-50
Founded: 1933
Insure.com logo

Insure.com

🇺🇸 Foster City, California 94404, US

Insure.com specializes in providing personalized insurance comparison services, enabling users to find the best policies at competitive rates. With a focus on education through articles and interactive tools, it empowers customers to make informed decisions about their coverage options.

insurance
coverage
quotes
car insurance
life insurance
comparison
consumer satisfaction
interactive tools
financial protection
policy evaluation
Company size: 51-200
Founded: 2002
Trinity Life Insurance Group logo

Trinity Life Insurance Group

🇺🇸 2754 Ocean Drive B

Trinity Life Insurance Group is an independent insurance agency specializing in life insurance products, including whole, term, and group options. With a focus on personalized service, it offers customized coverage by evaluating a wide range of choices from major insurance providers.

insurance
life insurance
whole life
term life
group insurance
customized coverage
Company size: 2-10

United of Omaha Life Insurance Company

🇺🇸 MUTUAL OF OMAHA PLAZA Omaha, Nebraska 68175, us

Specializing in life insurance, United of Omaha offers innovative whole life insurance policies for children, featuring low rates that remain constant throughout childhood and guaranteed options for increased coverage in adulthood.

insurance
whole life
children’s policy
coverage
premiums
guaranteed benefits
financial security
Company size: 2-10
Founded: 1926
Physicians Mutual logo

Physicians Mutual

🇺🇸 2600 Dodge St Omaha, Nebraska 68131, US

Physicians Mutual operates in the insurance industry, offering a range of health, life, and retirement products, including dental, supplemental health, pet, Medicare Supplement, and funeral pre-planning insurance. Known for its strong financial stability and a high customer satisfaction rating, it emphasizes accessibility and financial security for diverse individuals and families.

insurance
health insurance
life insurance
retirement planning
dental insurance
supplemental insurance
pet insurance
Medicare Supplement
funeral insurance
financial security
Company size: 501-1000
Founded: 1902
Donna Marie Reese Life Insurance Broker logo

Donna Marie Reese Life Insurance Broker

🇺🇸 St. Louis, MO 63146, US

A life insurance broker specializing in a range of policies, including term, whole life, final expense, indexed universal life, and permanent insurance, aimed at helping families secure financial protection. The focus on personalized service and diverse coverage options sets this broker apart in the insurance industry.

life insurance
term policies
whole life
final expense
IUL
permanent policies
Company size: 2-10
Founded: 2012
Broad Range Benefits Group, LLC. logo

Broad Range Benefits Group, LLC.

🇺🇸 2929 Fairfield Ave Bridgeport, CT 06605, US

Broad Range Benefits Group specializes in providing a comprehensive array of insurance solutions, including home, auto, and business policies, while offering personalized services to enhance the insurance buying experience. Their unique approach features a team of specialists that streamline coverage management, ensuring clients have a single point of contact for all their insurance and benefits needs, which saves time and reduces redundancy.

insurance
coverage
benefits
property
auto
home
life
business
liability
health
disability
workers compensation
Company size: 2-10
Founded: 2015
Just Protect Insurance logo

Just Protect Insurance

🇺🇸 2120 N 400 E Suite 104

Just Protect Insurance specializes in simplifying the insurance shopping process, offering personalized solutions for home, auto, and various other types of insurance. Their innovative approach involves gathering client information to compare policies across multiple providers, ensuring optimal coverage at competitive prices.

insurance
auto
home
renters
RV
motorcycle
business
commercial
life
whole life
term life
pet
Company size: 2-10
Founded: 2019
LifeInsuranceDirect.com logo

LifeInsuranceDirect.com

🇺🇸 96 Linwood Plaza #144 Fort Lee, NJ 07024-3701, US

Specializing in life insurance, this organization simplifies the process of obtaining coverage by offering a range of policies, including term life, simplified issue, and guaranteed acceptance whole life insurance. With a focus on personalized service and competitive rates, it empowers individuals to make informed decisions about protecting their family's future.

life insurance
term insurance
simplified issue
whole life
guaranteed acceptance
coverage options
insurance agents
competitive rates
final expenses
funeral costs
personalized service
Company size: 1
Trina Sells Insurance logo

Trina Sells Insurance

🇺🇸 Charlotte, NC, US

Specializing in tailored Indexed Universal Life and Annuities solutions, this independent insurance agent focuses on providing personalized life insurance options to protect individual dreams and secure financial futures.

insurance
life insurance
annuities
indexed universal life
universal life
whole life
term life
Company size: 1
Founded: 2024
American Assurance USA logo

American Assurance USA

🇺🇸 1108 E Main St Suite 906 #350

Specializing in final expense, Medicare, and term life insurance, this independent agency provides tailored coverage solutions across all 50 states. With a commitment to affordability and customer-centric service, it collaborates with top carriers to ensure clients receive optimal policies that protect what matters most.

insurance
life insurance
health insurance
Medicare
final expense
term life
whole life
group benefits
employee benefits
Company size: 201-500
Gerber Life Insurance Company logo

Gerber Life Insurance Company

🇺🇸 445 State Street Fremont, MI 49412, US

Gerber Life Insurance specializes in providing affordable life insurance solutions for families, offering a range of products including term, whole, and children's life insurance. With a strong financial rating and over 50 years of experience, it emphasizes reliability and peace of mind for its policyholders.

life insurance
term insurance
whole insurance
guaranteed insurance
children's insurance
adult insurance
accident protection
financial protection
insurance plans
family coverage
financial stability
insurance rating
Company size: 501-1000
Founded: 1967

Black Lotus Financial

🇺🇸 Greenville, South Carolina, US

Black Lotus Financial operates in the insurance industry as a licensed life insurance brokerage, specializing in innovative solutions such as infinite banking, instant decision life insurance, and tax-free retirement strategies. Its focus on cost-effectiveness and ease of access positions it as a leader in providing diverse life insurance products and retirement planning options.

insurance
life insurance
annuities
whole life
term insurance
infinite banking
cash value
tax-free retirement
guaranteed issue
financial planning
529 plan
Company size: 11-50
Founded: 2021

Bright Life Financial is a virtual life insurance agency specializing in simplifying insurance solutions, including mortgage protection, critical illness coverage, and retirement protection, tailored for families and individuals. Its innovative approach focuses on making life insurance accessible and straightforward.

insurance
life insurance
mortgage protection
critical illness
term life
whole life
retirement protection
disability coverage
Company size: 2-10
Haehl Family Financial logo

Haehl Family Financial

🇺🇸 Dayton, OH, US

Haehl Family Financial specializes in providing comprehensive life insurance solutions and financial services aimed at protecting families from financial distress following a loved one's passing. Their innovative approach includes a range of products such as mortgage protection, retirement savings, and debt elimination, ensuring clients receive tailored coverage to meet their unique needs.

life insurance
mortgage protection
retirement savings
debt elimination
whole life
disability insurance
accidental coverage
term insurance
final expense
Medicare supplements
financial planning
Company size: 11-50
Founded: 2019
SBLI logo

SBLI

🇺🇸 1 Linscott Road Woburn, MA 01801, US

SBLI specializes in providing affordable and dependable life insurance, leveraging multiple sales channels to reach a broad audience. As a mutual insurance provider since 2017, it emphasizes customer care and community involvement through its charitable foundation, earning high ratings for financial strength.

life insurance
affordable insurance
mutual insurance
financial strength
independent distribution
community involvement
charitable foundation
insurance ratings
Company size: 201-500
Founded: 1907
Ensurity Group Inc logo

Ensurity Group Inc

🇺🇸 675 TOWN SQUARE BLVD #200 SUITE 226

Dedicated to crafting personalized insurance policies, this firm specializes in a wide range of coverage options including life, health, auto, and home insurance. With a team of specialists focusing on specific products, it emphasizes tailored solutions that align with individual family needs and financial lifestyles.

insurance
life insurance
health insurance
Medicare
auto insurance
home insurance
commercial insurance
dental insurance
term insurance
whole life
universal life
personalized policies
Company size: 51-200
Founded: 1998
Innovative Underwriters logo

Innovative Underwriters

🇺🇸 1800 JFK Blvd Suite 700

Innovative Underwriters specializes in providing comprehensive insurance brokerage services, focusing on life insurance, disability insurance, and unique financial solutions. Leveraging partnerships with over 30 carriers, it delivers competitive options tailored to meet diverse client needs while maintaining high standards of service and support.

insurance brokerage
life insurance
disability insurance
annuities
long-term care
critical illness
financial planning
risk management
coverage solutions
insurance products
portfolio management
Company size: 11-50
The Trapani Agency at InsuraTec logo

The Trapani Agency at InsuraTec

🇺🇸 Mars, 16002, US

Specializing in life insurance, this agency offers tailored solutions and expert guidance to help clients navigate the complexities of life insurance policies. Their personalized approach and access to a wide range of offerings from top providers enable them to deliver competitive rates and comprehensive coverage options.

life insurance
term insurance
whole insurance
insurance brokerage
financial security
coverage options
personalized service
risk assessment
policy recommendations
customer service
insurance agents
competitive rates
Company size: 51-200
Dolbow Insurance Agency logo

Dolbow Insurance Agency

🇺🇸 212 S. State Street Westerville, Ohio 43081, US

Dolbow Insurance Agency specializes in providing comprehensive insurance solutions, including auto, life, homeowners, and business insurance, with a focus on competitive rates and personalized service. Their commitment to building strong relationships and representing highly rated insurers distinguishes them in the insurance industry.

insurance
auto
life
homeowners
business
coverage
protection
financial security
risk management
claims assistance
Company size: 2-10
Founded: 1993
Policygenius logo

Policygenius

🇺🇸 PO Box 758648 Topeka, Kansas 66675-8648, US

Policygenius offers an innovative insurance marketplace that empowers individuals to confidently explore and purchase various insurance products, supported by licensed agents and advanced digital tools. With a focus on education and personalized service, it serves as an independent advocate for clients navigating their insurance needs.

insurance
brokerage
marketplace
fintech
financial services
insurtech
education
disability insurance
life insurance
homeowners insurance
auto insurance
critical illness insurance
Company size: 501-1000
Founded: 2014
Highstreet Insurance - Northern Michigan logo

Highstreet Insurance - Northern Michigan

🇺🇸 305 W Front St Suite 201

Highstreet Insurance & Financial Services operates in the insurance industry, offering a wide range of coverage options including employee benefits, property, and life insurance. With a focus on local engagement and a collaborative culture, it provides access to numerous insurance providers and specialists, enhancing client support and community involvement.

insurance
employee benefits
workers compensation
property insurance
liability insurance
auto insurance
home insurance
life insurance
business insurance
financial services
Company size: 51-200
Founded: 2000
The Case Agency logo

The Case Agency

🇺🇸 Belford, New Jersey 07718, US

Specializing in insurance brokerage, this agency offers personalized coverage solutions including mortgage protection, life insurance, retirement solutions, and disability insurance, leveraging access to over 30 A+ rated carriers to ensure clients can financially protect their families effectively.

insurance
brokerage
mortgage protection
life insurance
term life
whole life
final expense
retirement solutions
disability coverage
personalized coverage
Company size: 2-10
Founded: 2022
Quinn McCoy- State Farm Agent logo

Quinn McCoy- State Farm Agent

🇺🇸 7535 W 92nd Ave #200

A family-run insurance agency specializing in a comprehensive range of products, including auto, home, renters, and life insurance, with a commitment to protecting families and ensuring their peace of mind. The agency emphasizes competitive offerings and personalized service within the insurance industry.

insurance
auto
home
renters
life
disability
condo
vehicle loans
mortgages
term life
whole life
Company size: 2-10
Founded: 2011
True Life Group, LLC logo

True Life Group, LLC

🇺🇸 231 Willits Alley Birmingham, Michigan 48009, US

True Life Group, LLC specializes in providing a wide range of life insurance products, including whole, term, and mortgage protection insurance, with a focus on delivering competitive quotes and ensuring policy reliability for clients. Their innovative approach emphasizes local representation backed by state-licensed specialists, instilling confidence in customers regarding policy payouts.

insurance
life insurance
whole life
term life
mortgage protection
pension protection
final expense
children insurance
premium return
Company size: 11-50
Thomas Family Agency logo

Thomas Family Agency

🇺🇸 Bentonville, US

Specializing in a diverse range of insurance products, this agency offers innovative solutions including Term and Whole Life Insurance, Mortgage Protection, and Annuities, leveraging partnerships with over 30 carriers to provide tailored coverage options. Their commitment to protecting and growing clients' estates sets them apart in the insurance industry.

insurance
life insurance
annuities
mortgage protection
disability
long term care
medicare
Company size: 2-10
Founded: 2020
Insurance Pro logo

Insurance Pro

🇺🇸 1112 N John Young Pkwy Kissimmee, Florida 34741, US

Specializing in health and life insurance, this firm leverages over 20 years of expertise to provide tailored coverage options, including Medicare Advantage and various life insurance products. With a diverse and bilingual team, it actively engages with the Hispanic community to ensure accessible and personalized service.

health insurance
life insurance
final expense
mortgage protection
Medicare Advantage
universal life
term life
whole life
bilingual agents
community engagement
Company size: 51-200
Founded: 2014
Klempel Agencies of Wisconsin, LLC logo

Klempel Agencies of Wisconsin, LLC

🇺🇸 6737 W Washington St STE 3255

Specializing in insurance, this provider offers essential life insurance and supplemental health policies tailored for working-class families, with a focus on enhancing employee benefits through the workplace. Their innovative approach includes creating tax savings for business owners while ensuring high customer satisfaction, as recognized by industry ratings.

insurance
life insurance
supplemental health
worksite benefits
tax savings
employee benefits
customer satisfaction
health coverage
financial protection
family coverage
Company size: 2-10
Founded: 2021

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