Best life insurance companies of 2026: Top picks for term, whole and no-exam coverage
Summary
The article names six insurers as its top life insurance choices for 2026, with picks for overall coverage, term, whole life, universal life, flexible coverage and no-medical-exam policies. It says the best option depends on a buyer’s needs and that availability, coverage limits, age rules and underwriting can vary by policy and state.Key Facts
- The article’s picks are Mutual of Omaha for best overall, State Farm for term, MassMutual for whole life, Pacific Life for universal life, Ladder for flexible coverage and Ethos for no-medical-exam coverage.
- The article cites LIMRA’s 2026 Insurance Barometer Study, which found that 38% of American adults—about 92 million people—say they need life insurance or more coverage.
- Mutual of Omaha offers term, whole and universal life insurance, according to the article.
- Mutual of Omaha’s Term Life Answers offers 10-, 15-, 20- and 30-year terms, with minimum coverage of $100,000.
- The article says Mutual of Omaha ranked highly in J.D. Power’s 2026 U.S. Individual Life Insurance Study.
- The article reports that Mutual of Omaha and its United of Omaha subsidiary have A+ financial strength ratings from AM Best and S&P Global, and A1 ratings from Moody’s.
- State Farm’s Select Term policies offer 10-, 20- and 30-year level-premium periods, according to the article.
- The article says State Farm term policyholders can generally continue coverage after the initial term on an annually renewable basis until age 95, with premiums increasing.
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