Affordable Life Insurance Protection for Your Family

Top 10 Life Insurance Companies

Review The Top Life Insurance Carriers in the U.S.A.

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Top 10 Life Insurance Companies

Life insurance is an important investment for individuals and families to consider. It provides financial security and peace of mind in the event of an unexpected death.


There are many life insurance companies in the USA, and choosing the right one can be a daunting task.


Each year the Insurance Information Institute (III) issues a list of the leading life insurance carriers for the previous year to help consumers choose the right life insurance company from the hundreds of life insurers who do business in the U.S.A.


The list of the best life insurance carriers (shown below) includes their financial strength ratings issued by AM Best Company, an independent rating service. The financial ratings are an indication of the insurer's financial stability, security and ability to pay their claims.


List of the Top 10 Life Insurance Companies 

Top 10 Writers Of Life/Annuity Insurance
By Direct Premiums Written, 2023


  1. MetLife Inc. – rated A++, Superior 
  2. Equitable Holdings – rated A+, Superior
  3. New York Life Insurance Group – rated A++, Superior
  4. Massachusetts Mutual Life Insurance Co. – rated A++, Superior
  5. Prudential Financial Inc. – rated A+, Superior
  6. Athene Holding Ltd. – A, Excellent
  7. Nationwide – A+, Superior
  8. Western & Southern Financial – A+, Superior
  9. Corebridge Financial (AIG) – A, Excellent
  10. Lincoln Financial – A, Excellent

Source – III.org – Insurance Information Institute


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Review of Leading Life Insurance Carriers in America


The following is a Review of the Top 10 Life Insurance Companies in the USA based on their:


  • Financial Strength
  • Customer Service, and
  • Product Offerings.


  1. New York Life Insurance Company: New York Life Insurance Company is one of the oldest and largest life insurance carriers in the U.S.A. It has been in business for over 170 years and has an A++ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life, and universal life insurance.
  2. Prudential Financial: Prudential Financial is a large and well-respected life insurance company. It has been in business for over 140 years and has an A+ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life, and universal life insurance.
  3. Metropolitan Life Insurance Company: Metropolitan Life Insurance Company, also known as MetLife, is one of the largest and most well-known life insurance companies in the USA. It has been in business for over 150 years and has an A+ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life, and universal life insurance.
  4. State Farm: State Farm is one of the largest and most well-known life insurance companies in the USA. It has been in business for over 90 years and has an A++ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life, and universal life insurance.
  5. MassMutual: MassMutual is a large and well-respected life insurance company. It has been in business for over 160 years and has an A++ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life, and universal life insurance.
  6. Pacific Life: Pacific Life is a well-established and financially strong life insurance company. It has been in business for over 150 years and has an A+ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life, and universal life insurance.
  7. Northwestern Mutual: Northwestern Mutual is a large and well-respected life insurance company. It has been in business for over 160 years and has an A++ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life, and universal life insurance.
  8. John Hancock: John Hancock is a well-established and financially strong life insurance company. It has been in business for over 150 years and has an A+ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life, and universal life insurance.
  9. Lincoln National Corporation: Lincoln National Corporation is a large and well-respected life insurance company. It has been in business for over 120 years and has an A+ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life, and universal life insurance.
  10. Transamerica: Transamerica is a well-established and financially strong life insurance company. It has been in business for over 100 years and has an A+ (Superior) rating from A.M. Best. The company offers a wide range of life insurance products, including term life, whole life and universal life insurance.


Life Insurance Quotes

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Additional Resources:



No Exam Life Insurance Companies

Top 10 Life Insurance Companies 

Life Insurance Cost Calculator


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