The best whole life insurance companies of 2023

Insider’s experts choose the best products and services to help make smart decisions with your money ( here’s how ). In some cases, we receive a commission from our partners , however, our opinions are our own. Terms apply to offers listed on this page.

Whole life insurance has long competed against term life insurance policies. Life insurance agents promise lower premiums and higher benefits with term policies, but unfortunately they may leave out the part where you must go through the application process again to make your old term life insurance policy permanent. As such, whole life insurance is often referred to as permanent life insurance.

With a term life insurance policy, the benefits will expire if you don’t or can’t convert to a whole life insurance policy at that time. The Best Whole Life Insurance Companies State Farm Life Insurance: Best for Customer Satisfaction Prudential Life Insurance: Best for Seniors Columbus Life: Best for Accelerated Death Benefits New York Life Insurance: Best for Insurance Agent Support USAA Life Insurance: Best for Military Members Guardian Life Insurance: Best for People with HIV Mutual of Omaha Life Insurance: Best for No Medical Exam Allianz Life: Best for Investing Whole life insurance offers benefits that don’t expire as long as you make your premium payments. Most policies require a medical exam.

Insurance companies also ask questions about your medical history. Whether you’re just buying a small amount of coverage for death benefits or if you want a more comprehensive policy that could offer benefits during your lifetime, you can customize life insurance to meet your needs. Best Whole Life Insurance Policy for Customer Satisfaction: State Farm State Farm Life Insurance 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars JD Power Customer Satisfaction Rating 839 AM Best Financial Strength Rating A++ View Full Details Compare quotes with Policygenius State Farm Life Insurance 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars JD Power Customer Satisfaction Rating 839 AM Best Financial Strength Rating A++ View Full Details Compare quotes with Policygenius State Farm Life Insurance Compare quotes with Policygenius Details JD Power Customer Satisfaction Rating 839 AM Best Financial Strength Rating A++ Editor’s Rating 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Best in JD Power customer service ratings Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Company offers a range of different insurance products to meet buyer needs Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Agents are knowledgeable about its products Cons Dash icon A dash. It often indicates an interaction to shrink a section. Life insurance products are conservative and limited Dash icon A dash.

It often indicates an interaction to shrink a section. Buyers may be subject to multi-year waiting periods before they qualify for full payouts on life insurance policies Dash icon A dash. It often indicates an interaction to shrink a section.

State Farm agents cannot offer alternative options if State Farm is unable to bind a life insurance policy Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. More Information Life insurance products include term and permanent life Ranks highly for customer satisfaction Best for Seniors: Prudential Prudential Life Insurance 4. 75 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.

75 out of 5 Stars JD Power Customer Satisfaction Rating 773 AM Best Financial Strength Rating A+ View Full Details Compare quotes with Policygenius Prudential Life Insurance 4. 75 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 75 out of 5 Stars JD Power Customer Satisfaction Rating 773 AM Best Financial Strength Rating A+ View Full Details Compare quotes with Policygenius Prudential Life Insurance Compare quotes with Policygenius Details JD Power Customer Satisfaction Rating 773 AM Best Financial Strength Rating A+ Editor’s Rating 4.

75 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 75 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans) Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Buyers can withdraw money to pay for nursing home bills due to severe illness or disability Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options Cons Dash icon A dash.

It often indicates an interaction to shrink a section. Financial returns are limited Dash icon A dash. It often indicates an interaction to shrink a section.

Limited policy options for seniors and other groups who might struggle to find life insurance Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing right Best for Accelerated Death Benefits: Columbus Life Columbus Life 4. 9 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.

9 out of 5 Stars AM Best Financial Strength Rating A+ View Full Details Compare quotes with Policygenius Columbus Life 4. 9 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 9 out of 5 Stars AM Best Financial Strength Rating A+ View Full Details Compare quotes with Policygenius Columbus Life Compare quotes with Policygenius Details AM Best Financial Strength Rating A+ Editor’s Rating 4.

9 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 9 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Buyers can pull money out for medical and other bills in the event of disease or disability Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Columbus uses lien method to simplify accelerated death payments Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a wide range of riders to customize policies Cons Dash icon A dash.

It often indicates an interaction to shrink a section. Premiums may be higher than competitors Dash icon A dash. It often indicates an interaction to shrink a section.

Term policies are not guaranteed to be converted to whole Best Insurance Agents: New York Life New York Life Insurance 4. 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 5 out of 5 Stars JD Power Customer Satisfaction Rating 775 AM Best Financial Strength Rating A++ View Full Details Compare quotes with Policygenius New York Life Insurance 4.

5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 5 out of 5 Stars JD Power Customer Satisfaction Rating 775 AM Best Financial Strength Rating A++ View Full Details Compare quotes with Policygenius New York Life Insurance Compare quotes with Policygenius Details JD Power Customer Satisfaction Rating 775 AM Best Financial Strength Rating A++ Editor’s Rating 4. 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.

5 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Top marks for financial stability Check mark icon A check mark. It indicates a confirmation of your intended interaction. 4/5 customer satisfaction rating Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Policies available nationwide Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Top life insurance agents to shop wisely Cons Dash icon A dash. It often indicates an interaction to shrink a section. Policies must be purchased through an agent Dash icon A dash.

It often indicates an interaction to shrink a section. No online quotes available Dash icon A dash. It often indicates an interaction to shrink a section.

May require a medical exam Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. More Information Life insurance provider with policies available across the US Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing right Best for Military: USAA USAA Life Insurance 4.

37 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 37 out of 5 Stars JD Power Customer Satisfaction Rating 881 AM Best Financial Strength Rating A++ View Full Details Compare quotes with Policygenius USAA Life Insurance 4. 37 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.

37 out of 5 Stars JD Power Customer Satisfaction Rating 881 AM Best Financial Strength Rating A++ View Full Details Compare quotes with Policygenius USAA Life Insurance Compare quotes with Policygenius Details JD Power Customer Satisfaction Rating 881 AM Best Financial Strength Rating A++ Editor’s Rating 4. 37 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 37 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing starting with $12/month on some policies Check mark icon A check mark.

It indicates a confirmation of your intended interaction. May offer coverage to military members other companies won’t cover Cons Dash icon A dash. It often indicates an interaction to shrink a section.

2 year waiting period for full benefits on some policies Dash icon A dash. It often indicates an interaction to shrink a section. May focus on death benefits only more than other companies Dash icon A dash.

It often indicates an interaction to shrink a section. Only offers term and permanent options Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. More Information USAA offers life insurance for the military, veterans, and the public.

Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing right Best for People with HIV: Guardian Life Guardian Life Insurance 4. 87 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.

87 out of 5 Stars JD Power Customer Satisfaction Rating 787 AM Best Financial Strength Rating A++ (Superior) View Full Details Compare quotes with Policygenius Guardian Life Insurance 4. 87 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 87 out of 5 Stars JD Power Customer Satisfaction Rating 787 AM Best Financial Strength Rating A++ (Superior) View Full Details Compare quotes with Policygenius Guardian Life Insurance Compare quotes with Policygenius Details JD Power Customer Satisfaction Rating 787 AM Best Financial Strength Rating A++ (Superior) Editor’s Rating 4.

87 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 87 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Offered nationwide Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Financial stability rating of A++ from AM Best Check mark icon A check mark. It indicates a confirmation of your intended interaction. No medical exam is available Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Unique coverage options like survivorship insurance and insurance for HIV applicants Cons Dash icon A dash. It often indicates an interaction to shrink a section.

Although you can get an online quote, you will need an agent to purchase a policy Dash icon A dash. It often indicates an interaction to shrink a section. Site pushes buyers towards term policies first Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

More Information Life insurance provider with online insurance calculator tool Survivorship insurance and no medical exam policy Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing right Best for No Medical Exam: Mutual of Omaha Mutual of Omaha Life Insurance 4. 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.

5 out of 5 Stars JD Power Customer Satisfaction Rating 795 AM Best Financial Strength Rating A+ View Full Details Compare quotes with Policygenius Mutual of Omaha Life Insurance 4. 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 5 out of 5 Stars JD Power Customer Satisfaction Rating 795 AM Best Financial Strength Rating A+ View Full Details Compare quotes with Policygenius Mutual of Omaha Life Insurance Compare quotes with Policygenius Details JD Power Customer Satisfaction Rating 795 AM Best Financial Strength Rating A+ Editor’s Rating 4.

5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 5 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark.

It indicates a confirmation of your intended interaction. diverse whole and term life insurance options Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Strong financial ratings and company history Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide range of riders to customize plans Cons Dash icon A dash.

It often indicates an interaction to shrink a section. online applications not available for term applicants Dash icon A dash. It often indicates an interaction to shrink a section.

May not provide strong investment options for retirement Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. More Information N/A Additional Reading Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing right Best for Investing: Allianz Allianz Life 4.

9 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 9 out of 5 Stars AM Best Financial Strength Rating A+ View Full Details Compare quotes with Policygenius Allianz Life 4. 9 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.

9 out of 5 Stars AM Best Financial Strength Rating A+ View Full Details Compare quotes with Policygenius Allianz Life Compare quotes with Policygenius Details AM Best Financial Strength Rating A+ Editor’s Rating 4. 9 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4. 9 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans offer high returns on investment Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Great for investment and long-term retirement planning Check mark icon A check mark. It indicates a confirmation of your intended interaction.

May increase your income by as much as 20% Check mark icon A check mark. It indicates a confirmation of your intended interaction. Allianz offers plans for foreign nationals including H-1B visas Cons Dash icon A dash.

It often indicates an interaction to shrink a section. Plans are meant specifically for high-income adults, alternatives may not be offered Compare The Best Whole Life Insurance Companies Best Whole Life Insurance Policy for Customer Satisfaction: State Farm State Farm continues to lead the way in customer satisfaction. Customers typically hold auto, home, and other insurance policies with multi-policy discounts.

Life insurance agents with State Farm can only quote its company policies. But they have the training to apply all available discounts to be as aggressive as possible with policy premiums. Like many other companies, State Farm now offers “living benefits” in the event of illness or injury.

Whole life insurance options include a single premium, premiums payable to age 100, and premiums payable to an agreed-upon point. Buyers can discuss options with a licensed life insurance agent. State Farm agents can quote with all applicable discounts and customized benefits Single premium plans and premiums payable for a set time are available Life insurance customers can take out loans from their policy, and State Farm offers living benefits Best for Seniors: Prudential Prudential is known for its superior financial stability, and its life insurance products are no exception.

The Prudential VUL Protector (and the Pruco Life of New Jersey VUL Protector plan) offers specialized life insurance planning for seniors. Premiums are fixed, and Prudential provides a lower risk profile on this plan to minimize potential losses. With less aggressive investments, buyers won’t see the significant gains associated with higher-risk investment vehicles.

Coverage is specialized for senior applicants with a high likelihood of acceptance Low-risk investment vehicles to minimize losses Fixed premiums over the entirety of your life insurance policy Best for Accelerated Death Benefits: Columbus Life Columbus Life remains a top competitor in life insurance overall. More companies now offer accelerated death benefits, sometimes called living benefits. Columbus remains on the cutting edge.

Buyers can pull money for immediate medical bills, long-term care, and end-of-life expenses before they pass away. Competitors frequently use a discounted death benefit, which offers confusing data for the average consumer. So it’s hard to know what impact an early withdrawal would have on your death benefit.

Columbus simplifies the process with the lien method. It makes it easier for the average life insurance investor to understand the impact of withdrawals on long-term financial planning. Columbus Life customers enjoy various life insurance plans supplemented with plenty of riders.

Base premiums are highly affordable, and riders allow policy customization to find the best life insurance products for each buyer. Some customers choose whole life policies up front, but Columbus Life enables qualified applicants to apply to convert term life insurance policies to whole life policies up to the end of the policy. Accelerated life insurance benefits available for long-term disability or extreme illness Columbus uses the lien method instead of the discounted death benefit Plenty of riders available to customize policies Best Insurance Agents: New York Life New York Life offers life insurance policies with payouts going into the millions.

Many life insurance plans are designed for investment purposes allowing buyers to withdraw money on a set schedule. Expected payout and penalties are laid out up front, and sales agents are knowledgeable and friendly. Buyers looking to maintain a significant death benefit for their beneficiaries can take out loans against the life insurance balance.

While interest may apply, penalties will not. Qualified New York Life insurance agents can guide you through different life insurance options to find the plan that meets your needs. Extensively trained insurance agents are there to answer any questions you have about New York Life High-value life insurance plans available for financial planning Loan options to preserve higher death benefits while using existing funds as needed Best for Military: USAA Eligible military members in the major branches and reserves may qualify for $400,000 in coverage with the servicemember’s group life insurance ( SGLI ).

Due to deployment, traditional life insurance companies may not offer policy options for military members. USAA specializes in serving active duty military members, and it provides additional life insurance options for veterans. USAA underwriters consider factors like age, health, and lifestyle, and medical exams are involved.

Active-duty service members can use it to supplement SGLI Available for a diverse range of military members and veterans Applicants may still be required to undergo medical exams Best for People with HIV: Guardian Life Due to medical innovations, undetectable cases of HIV are on the rise. The long-term health issues and early deaths of patients with HIV are lower than ever before, but many insurers are still hesitant to issue life insurance policies to HIV patients. Guardian Life offers unique policies for high-risk groups, including HIV patients.

Applicants should be between 20 and 60 years old and in good health. Guardian Life also requires accepted applicants to be on antiretroviral therapy for a minimum of two years with promising lab results. While an HIV diagnosis is acceptable for Guardian Life insurance policies, applicants cannot have any AIDS-defining illnesses.

Because of its thorough underwriting process, Guardian offers generous policies with reasonable premiums for qualified applicants. Specialized plans available for patients with HIV Applicants must be under the care of an HIV doctor and on retroviral therapy for at least two years Applicants cannot have AIDS-defining illnesses Best for No Medical Exam: Mutual of Omaha Mutual of Omaha is known, above all else, for its financial stability. It offers various plans and riders, including no-exam life insurance plans.

Some policies are as small as $2,000 for applicants between 50 and 75. Life insurance policies max out at $25,000 for healthy applicants looking to avoid a medical exam. Once approved, there is a two-year waiting period for no medical exam life insurance policies with Mutual of Omaha.

If policyholders die during those two years, Mutual of Omaha will pay out 110% of the premiums paid to date. The company closes most claims on the same business day for qualifying claims. No medical exam policies are available, with payouts up to $25,000 Available for applicants up to 85 except in New York, where the age limit is 75 Two-year waiting period for full benefits Best for Investing: Allianz Allianz offers high-value plans for tax-free payouts and aggressive investments.

Many applicants use Allianz life insurance policies to supplement 401(k)s and other retirement investment vehicles. Some estimates suggest qualified applicants could increase their income by up to 20%. In addition, buyers can add riders to customize life insurance plans.

Allianz is among a few companies offering life insurance policies for foreign nationals with H-1B visas. Million-dollar policy limits for qualified applicants Strong growth and investment options Plans available for foreign nationals with H-1B visas Best Whole Life Insurance Companies Ranked by Customer Satisfaction JD Power’s life insurance study ranks life insurance companies on a scale of 1,000 by gathering customer reviews. Read on to compare providers based on customer reviews.

Life insurance company J. D. Power ranking out of 1,000 points State Farm 839 Globe Life 812 Mutual of Omaha 801 Northwestern Mutual 794 Pacific Life 793 Nationwide 791 Guardian Life 787 MetLife 786 MassMutual 780 New York Life 775 Prudential 773 Principal Financial 772 Primerica 766 Lincoln Financial Group 764 Protective Life 759 Securian 754 Midland National Life 752 John Hancock 749 AIG 744 Brighthouse Financial 741 Transamerica (AEGON) 740 Equitable 737 Why Trust Our Recommendations? Personal Finance Insider explores the ins and outs of whole life insurance policies and companies.

We compare premiums, payouts, exclusions, and more. Whole life insurance plans offer diverse and aggressive options for death benefits, investment plans, and much more. It depends on where you buy and your insurance plan with individual riders.

Life insurance gets confusing for the average applicant. We use our existing knowledge and ongoing research to determine what the best life insurance companies offer buyers. Shopping for life insurance quotes goes in two directions: financial planning or death benefits.

Accelerated death benefits, riders, and life insurance types come into play individually. As a result, the whole life insurance policy that works for one person may be different than the best life insurance policy for the next. Personal Finance Insider works to keep insurance reviews up to date and relevant to help consumers make informed decisions.

Our Methodology Life insurance comes in many shapes and forms, and a whole life insurance policy isn’t always the right option. It depends on your goals, your current finances, and other factors. We base our reviews on crucial factors to help consumers determine which life insurance plan is right for them.

Price: The insurance premium often overshadows other factors when generating life insurance quotes. Cheap life insurance has appeal now, but it doesn’t always get you the coverage you need. We look at affordability as part of the bigger picture.

Coverage: How much coverage can you qualify for? Will it cover the death benefits you want for family or other beneficiaries? Will it meet your investment goals? Applicants seeking death benefits to cover funeral costs have different expectations than those looking to live comfortably in retirement. We also look at unique products like those for HIV patients, seniors, foreign nationals, and more. Performance: What kind of gains can you expect? We look at the risk profile and average financial gains over the policy’s lifespan.

Payouts: A whole life insurance policy will pay out upon death or earlier based on what’s written in the policy documents. We examine the claims process, average processing time, and payment rate. How to Pick The Best Whole Life Insurance Policy for You How does life insurance work for the average consumer? With many riders and options available, life insurance options are better than ever .

Buyers enjoy more types of life insurance, competitive life insurance rates, and much more. Insider recommends working with a trusted life insurance agent to make the final decision. Insurance professionals can help you set parameters that make sense for your search and compare prices with benefits.

As a result, qualified insurance agents can get consumers affordable pricing and ensure greater customer satisfaction. FAQs Is Whole Life Insurance Better than Term Life Insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Term life insurance policies are frequently sold as more affordable with higher payouts.

The benefits of term life insurance apply for a certain period. As the name suggests, term life insurance has a term after which it expires. Some policies can be converted to whole life insurance plans, but insurance holders have to go through the application process again at that time.

Life, by its very nature, is often unexpected. Term policies don’t always allow for unforeseen illnesses or emergencies. If you’re looking to maximize your death benefit, some policies allow buyers to increase the insurance benefit every year they continue to pay premiums.

How Much Do I Need to Spend on Life Insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. A bare-bones life insurance policy with no additional riders might be cheap. However, this policy will also have limited coverage, and users may find other holes later.

For example, adding extra coverage for disability or missed payments may cost more now. But suitable riders can save you money and protect your investment later on. How Does Life Insurance Work? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Life insurance was initially meant to pay beneficiaries after the applicant’s death. However, buyers can use current life insurance policies for investment purposes, retirement, sudden illness or injury, and more. A life insurance agent can help you set up a plan that meets your needs.

Then you pay the agreed-upon premiums. Some policies will institute a waiting period to qualify for full benefits. Then beneficiaries can file a claim after a qualifying event such as death, disability, or retirement.

Do I Have to Schedule A Medical Exam for A Life Insurance Policy? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Some of the best life insurance companies sell whole life insurance or term life insurance with no medical exams required. However, insurers may still ask about your medical history and pull other medical records.

These policies generally offer lower benefits, and successful applicants are typically younger and healthy. If you do not qualify, a life insurance agent can help you apply for a medical exam life insurance policy. Lina Roby Insurance Editor, LIA, MLO Lina Roby (she/her) is a Personal Finance Insurance editor at Insider.

She covers pet, travel, auto, and other common insurance products. She is also a licensed property & casualty insurance agent. Her goal is to help readers make informed decisions for all their insurance needs and plan for the unexpected, especially in a constantly evolving insurance marketplace.

As a licensed insurance agent, she worked closely with clients and insurance carriers to quote and bind homeowners, auto, liability, and other insurance plans for personal and business. As a licensed mortgage loan originator, she was also able to more effectively quote and bind homeowners insurance policies meeting mortgage lender requirements. With a love for writing, she has also assisted with marketing for her local insurance marketplace.

You can reach Lina at lroby@insider. com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services Read more Read less Top Offers From Our Partners CIT Bank Savings Connect Account Earn 4.

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