Top 25 Term Life Carriers — Updated Oct 2026
Top 25 Term Life Insurance Carriers
Compare the leading term life insurance carriers by financial strength ratings, living benefits, LTC riders, Guaranteed Lifetime Income, convertibility to permanent policies, profession fit, income level flexibility, maximum coverage amounts, term length options, and age-specific recommendations — all in one place.
Carriers
25
Top Rating
A++
LTC Riders
0
GLI Convertible
0
Movers & Shakers — Term Life, October 2026
In — new to the list
- MetLife — returns to the Top 25 at #16, one of the strongest Comdex scores of any term writer
Out — dropped off the list
- Voya Financial — exits the individual life market, dropping off the list
Pacific Life holds #1 for 2026; Protective Life is #2 on the strongest price-to-value score in independent reviews and Lincoln Financial #3 on 30- and 40-year term pricing.
Northwestern Mutual and New York Life are the only two US life insurers with a perfect 100 Comdex score.
Nationwide posts the highest customer-sentiment score of any carrier on the list, with Penn Mutual next.
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