![Guardian logo](https://www.finder.com/niche-builder/5ec84cbadbd0f.png)
Guardian
Finder score
Issue Age | 18 to 75 |
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Coverage | $250,000 to $5,000,000 |
Medical Exam Required | Depends on policy |
Whole life insurance is a permanent policy that offers lifelong protection and builds cash value over time. Though it’s the simplest permanent policy on offer, these five insurers have enhanced their coverage to appeal to specific types of policyholders.
When analyzing the best life insurance companies that offer whole life policies, we determine the insurer’s industry reputation by reviewing its financial strength, accreditations, underwriting standards and customer reviews. Finally, we weigh up each insurer’s product lineup, policy features and riders.
Guardian
Finder score
Issue Age | 18 to 75 |
---|---|
Coverage | $250,000 to $5,000,000 |
Medical Exam Required | Depends on policy |
State Farm
Finder score
Issue Age | 18 to 75 |
---|---|
Coverage | $100,000 to $3,000,000 |
Medical Exam Required | Depends on policy |
Northwestern Mutual
Finder score
Issue Age | 18 to 100 |
---|---|
Coverage | Not listed to Not listed |
Medical Exam Required | Yes |
Amica
Finder score
Issue Age | 15 to 75 |
---|---|
Coverage | $5,000 to $1,000,000 |
Medical Exam Required | Yes |
MassMutual
Finder score
Issue Age | 18 to 80 |
---|---|
Coverage | $2,000 to $10,000,000 |
Medical Exam Required | Depends on policy |
While whole life insurance is the most basic type of permanent protection, the details matter. The insurers on this list tailor their policies to those who are looking for particular features, like flexible payment structures and a range of riders. Before taking on a policy, compare life insurance companies to find the lowest rates for the most comprehensive coverage you’re looking for.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.
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