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6 Life Insurance Companies Worth Comparing in 2026
Compare established insurance providers, explore valuable policy features, and find coverage designed around your family's needs.
Find the Right Coverage. Not Just a Familiar Name.
Life insurance isn't one-size-fits-all. The right company depends on your protection needs, health, budget, and long-term goals. Here's a closer look at six insurance providers represented by PlanRight.
National Life Group
National Life Group has a long history of providing life insurance protection and financial solutions. Its offerings include affordable term protection and permanent policies with the potential to accumulate cash value over time.
- Term life insurance for income, family, and mortgage protection.
- Indexed universal life (IUL) for permanent coverage and potential cash value growth.
- Policy designs for protection, supplemental financial flexibility, and legacy planning.
- Accelerated death benefits for qualifying terminal, chronic, or critical illnesses on eligible policies.
- Additional rider and coverage options depending on the product.
- Potential access to permanent-policy cash value through withdrawals or loans.
Families wanting life insurance with Living Benefits options, homeowners protecting a mortgage, and individuals exploring permanent coverage with cash value potential.
Nationwide
Nationwide is a major U.S. financial services provider offering life insurance products ranging from temporary protection to sophisticated permanent insurance and long-term care planning solutions.
- Term life insurance for defined periods of protection.
- Universal life, indexed universal life, and other permanent insurance options.
- Selected policies combining life insurance and long-term care benefits.
- Cash value accumulation opportunities with certain permanent policies.
- Living Access Benefits for qualifying chronic, critical, or terminal illnesses on eligible policies.
- Long-term care benefits on qualifying products.
- Additional options may include accidental death benefits or disability-related premium protection.
Families seeking flexible permanent coverage, people concerned about future long-term care expenses, and individuals interested in combining protection with broader financial planning strategies.
Corebridge Financial (AIG)
Corebridge Financial grew out of AIG's life insurance and retirement business. Its life insurance offerings include term and permanent protection designed to address different family and financial planning needs.
- Term life insurance with a broad selection of term durations on certain products.
- Permanent life insurance options for long-term protection.
- Coverage for income replacement, mortgage obligations, and family security.
- Conversion opportunities on eligible term policies.
- Terminal illness accelerated death benefits on eligible policies.
- Optional riders to customize coverage, depending on product availability.
- Some products offer simplified or accelerated underwriting pathways.
Individuals seeking a particular term length, homeowners needing protection that matches a mortgage timeline, and families comparing customizable term coverage.
Mutual of Omaha
Mutual of Omaha offers a broad range of life insurance solutions, from term coverage for working families to permanent insurance and final expense protection for later stages of life.
- Term life insurance for families and homeowners.
- Whole life insurance, including final expense solutions.
- Universal life and indexed universal life products.
- Cash value potential on eligible permanent policies.
- Accelerated death benefits for qualifying illnesses on selected policies.
- Long-term care rider options on certain permanent products.
- Potential child, term, or other optional coverage riders depending on the product.
- Some whole life products may offer no-medical-exam applications.
Seniors planning for funeral and final expenses, families seeking traditional life insurance, and individuals comparing permanent protection with Living Benefits or long-term care options.
Fidelity & Guaranty Life (F&G)
F&G specializes in indexed universal life insurance and retirement solutions. Its life insurance products combine permanent death benefit protection with index-linked interest-crediting opportunities and policy flexibility.
- Indexed universal life insurance for long-term protection.
- Potential cash value accumulation through indexed crediting strategies.
- Flexible premium and death benefit structures, subject to policy rules.
- Separate annuity solutions for retirement planning.
- Accelerated death benefits for qualifying chronic, critical, and terminal illnesses on eligible IUL policies.
- Potential policy loans and withdrawals for access to cash value.
- Accelerated or exam-free underwriting opportunities for eligible applicants.
Individuals seeking permanent coverage with index-linked cash value potential, business owners considering long-term insurance strategies, and families interested in Living Benefits options.
Foresters Financial
Foresters Financial combines life insurance protection with a member-focused approach. Alongside term and permanent life insurance, eligible members may access additional educational, community, and family benefits.
- Term life insurance for temporary family protection.
- Permanent life insurance, including whole life options.
- Coverage options for children and families.
- Member programs such as scholarships, community grants, and discounts, subject to eligibility.
- Accelerated death benefit options on qualifying policies.
- Additional rider choices depending on the product and state.
- Eligible member services and community programs beyond the insurance contract.
Families who value both insurance protection and additional member opportunities, parents exploring coverage for children, and individuals interested in community-focused benefits.
Compare the Coverage Options
The right company depends on the type of protection you need. This quick comparison highlights common reasons to explore each provider.
| Company | Key Products | Potential Client Fit | AM Best* |
|---|---|---|---|
| National Life Group | Term, IUL | Living Benefits and family protection | A+ |
| Nationwide | Term, Permanent, LTC-linked | Long-term protection and care planning | A+ |
| Corebridge | Term, Permanent | Customizable term coverage | A |
| Mutual of Omaha | Term, Whole Life, IUL | Families, seniors, and final expense | A+ |
| F&G | Indexed Universal Life | Permanent indexed life solutions | A |
| Foresters | Term, Permanent | Families and member benefits | A |
Why Compare Companies With PlanRight?
One company may fit your needs better than another. We help you understand your options before making a decision.
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Which Life Insurance Company Is Right for You?
The best fit depends on your age, health, financial responsibilities, budget, and goals. Let PlanRight help you explore your coverage options.
