Choosing the right life insurance is crucial for securing your family’s financial future, and finding the life insurance provider can make all the difference. Taking a look at the life insurance providers in the USA helps you explore top-rated life insurance companies that offer reliable coverage, competitive premiums, and personalized policy options. Whether you're looking for term, whole, or universal life insurance, we’ve listed leading insurers to help you make informed decisions. From financial strength to customer service, learn what are the life insurance companies in the USA and find the perfect plan to protect your loved ones.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
Here is a list of the life insurance companies in the USA, along with their features and benefits:
Globe Life Insurance is known for its stable financial position and a wide range of insurance for life policies. With strong ratings from reputable agencies, it offers customizable coverage options to meet diverse needs, along with additional discounts and incentives for policyholders.
| Criteria | Global Life Insurance |
| Company Overview | - Stable financial position with strong ratings from reputable agencies - Offers a range of life insurance policies |
| Affordability | - Competitive premiums with various payment options - Additional discounts and incentives for policyholders |
| Types of Plans Offered | - Term, whole, and universal life insurance - Additional options for supplemental coverage |
| Suited For | - Individuals seeking customizable coverage options - Those looking for additional supplemental coverage |
| Benefits | - Stable financial position and strong ratings - Wide range of life insurance options - Additional discounts and incentives for policyholders |
Note: Check all the best term insurance plan in India.
State Farm Life Insurance is recognized for its solid financial stability and established reputation in the insurance industry. It offers basic term and whole life insurance policies with customizable features, along with potential multi-line discounts for policyholders.
| Criteria | State Farm Life Insurance |
| Company Overview | - Solid financial stability with an established reputation - Basic term and whole life insurance policies |
| Affordability | - Affordable rates with the potential for multi-line discounts - Cost-effective coverage options |
| Types of Plans Offered | - Term and whole life insurance policies with customizable features - Additional coverage options available |
| Benefits | - Established reputation and financial stability - Basic coverage with customizable features - Potential for multi-line discounts |
| Suited For | - Budget-conscious individuals seeking basic coverage - Policyholders interested in multi-line discounts |
Ethos Life Insurance is a trusted insurer that focuses on providing simplified term life insurance solutions. With a fast online application process and transparent pricing, it offers coverage tailored to individual needs.
| Criteria | Ethos Life Insurance |
| Company Overview | - Backed by reputable reinsurers - Simplified term life insurance with fast online application process |
| Affordability | - Competitive pricing with focus on simplicity and transparency - Transparent pricing and no hidden fees |
| Types of Plans Offered | - Term life insurance with online application process - Coverage tailored to individual needs |
| Suited For | - Individuals looking for simple and fast life insurance solutions - Those with specific coverage needs |
| Benefits | - Backed by reputable reinsurers - Fast and easy online application process - Transparent pricing and no hidden fees |
Pacific Life Insurance is a leading provider of life insurance and retirement solutions with over 150 years of experience. Known for its financial strength, the company offers a variety of flexible life insurance policies tailored to individual needs, including options for term, whole, and universal life insurance coverage.
| Criteria | Pacific Life Insurance |
| Company Overview | - Over 150 years of industry experience- Wide range of life insurance products, including term, whole, and universal life |
| Affordability | - Competitive pricing with customizable policies- Premiums based on coverage type and personal circumstances |
| Types of Plans Offered | - Term life, whole life, and universal life insurance- Add-ons like long-term care and living benefits for extra coverage |
| Suited For | - Individuals looking for comprehensive coverage and financial stability- Those needing flexible insurance options |
| Benefits | - Financially strong with a long-standing reputation- Customizable plans with a variety of add-ons for added protection |
TruStage Life Insurance is a trusted provider specializing in affordable and straightforward life insurance solutions. Backed by over 80 years of experience, TruStage offers policies tailored to fit everyday needs, with a focus on accessibility and ease of application, particularly for credit union members.
| Criteria | TruStage Life Insurance |
| Company Overview | - Over 80 years of experience- Offers life insurance products focused on simplicity and affordability |
| Affordability | - Competitive, budget-friendly pricing- Designed to be accessible for a broad range of customers |
| Types of Plans Offered | - Term life, whole life, and guaranteed acceptance life insurance- Simplified application process with no medical exams |
| Suited For | - Individuals seeking affordable, easy-to-understand life insurance- Ideal for credit union members looking for coverage |
| Benefits | - Easy, fast application process with no medical exams- Guaranteed acceptance life insurance for added convenience |
* You can also use a life insurance premium calculator to help estimate the accurate premiums for your desired life cover.
Term Plans
You should choose the right type of life insurance plan for yourself based on the following factors:
Your Family’s Needs: You need to assess your family’s financial needs and ensure that the life insurance type and the amount you choose as life cover is enough to cover their needs in your absence.
Your Budget: Some life insurance plans or benefits can become too much for your wallet. Therefore, always compare the plans from the life insurance companies in the USA to ensure that you buy the affordable one that fits your budget.
Your Eligibility: Various life insurance companies in the USA have certain T&Cs according to which some individuals are not qualified to buy certain types or amounts of life insurance plans. Therefore, check the cover and type of plan you are eligible to purchase before buying.
Wealth Creation: You should consider how much wealth you want to create in the long run. You can choose the funds you want to invest in as per your risk appetite and gain suitable returns to fulfil your financial goals.
Secure Your Family Future Today
₹1 CRORE
Term Plan Starting @
Get an online discount of upto 15%#
Compare 40+ plans from 15 Insurers
Here’s how you can insure a life in the USA and select the life insurance company in the USA to buy life insurance from:
Evaluate Your Coverage Needs
Consider your family’s financial needs, long-term goals, and the type of life insurance you require, whether it’s term, whole, or universal life insurance.
Compare Financial Strength
Look for providers with a strong financial rating from agencies like A.M. Best or Moody’s. This ensures the company will be able to pay claims when needed.
Check Policy Options
Compare different life insurance quotes to see which company offers the flexibility you need. Look for additional features like riders, long-term care options, or customizable terms.
Review Customer Service and Claims Process
Research customer reviews and ratings to ensure the company has a good reputation for resolving claims efficiently and offering responsive service.
Consider Pricing and Premiums
Look for companies that offer competitive premiums while balancing affordability with the coverage you need. Make sure to consider any discounts for bundling policies or healthy lifestyle choices.
Look at Policy Flexibility
Choose a provider that offers flexible terms, such as the ability to convert a term policy to a permanent life insurance one or adjust coverage as your needs change.
Here is how you can term life insurance for NRIs in the USA from Indian insurers:
Step 1: Visit the term life insurance for NRIs page of Policybazaar
Step 2: Fill in your namge, gender, contact information, and date of birth
Step 3: Choose the right annual income, occupation type, educational qualifications, and smoking habits
Step 4: Select the most suitable term insurance for NRI and proceed to pay
Now that you have seen the life insurance companies in the USA, you're in a better position to choose the right provider for your family’s future. Every family has unique needs, so it's important to weigh factors like coverage options, affordability, and company reputation before making your decision. By carefully evaluating your priorities and exploring your options, you can find a life insurance plan that offers the protection and peace of mind you deserve.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
© Copyright 2008-2025 policybazaar.com. All Rights Reserved
+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.
Life insurance is one of the most important tools for protecting
Read more
When it comes to securing your family's financial future
Read more
Northwestern Mutual is a leading life insurance provider in the
Read more
A Million Dollar Term Life Insurance Policy offers a simple yet
Read moreInsurance
Calculators
Payment Methods
Secured With
Follow us on
