Life insurance companies, side by side.
Find the two carriers you are weighing below. Each of the 43 comparisons covers who issues the policy, how it is sold, and who each company fits. Neither side is the loser: the honest answer is usually that they suit different people.
Not sure which pair to read? Tell a licensed professional your age and health. They will explain how the carriers differ and compare options only if you want them. Free, no obligation.
The comparisons
43 head-to-head guides, grouped by coverage type.
Guaranteed acceptance and health-question plans
Coverage for seniors, often to pay for a funeral. The split that matters most is whether a plan asks health questions or accepts everyone.
Final expense
Mutual of Omaha vs Colonial Penn: How They Compare
Issue ages, guaranteed issue versus health questions, waiting period and price.
Read the comparisonFinal expense
Lincoln Heritage vs Mutual of Omaha: Which One Fits You
Funeral Advantage against Living Promise: how you qualify and the waiting periods.
Read the comparisonFinal expense
Colonial Penn vs Globe Life: Which One Fits You Best
Coverage type, ages, health questions, waiting periods and pricing.
Read the comparisonFinal expense
Colonial Penn vs Lincoln Heritage: Which Fits
Coverage sold in units against a benefit you choose, plus funeral help.
Read the comparisonFinal expense
Aetna vs Colonial Penn Life Insurance Compared
An agent-sold final expense plan against guaranteed acceptance bought direct.
Read the comparisonFinal expense
AARP vs Colonial Penn Life Insurance Compared
A New York Life group program that requires AARP membership, against individual guaranteed acceptance.
Read the comparisonFinal expense carriers head to head
Who issues each policy, how it is sold, and which shelf each company actually keeps.
Final expense
Foresters vs Lincoln Heritage: Which Fits You
Fraternal member benefits against the Funeral Advantage program and its membership.
Read the comparisonFinal expense
Lincoln Heritage vs Senior Life: Which Fits You
Funeral Advantage and its membership against Senior Life’s whole life shelf.
Read the comparisonFinal expense
Globe Life vs Lincoln Heritage: Which Fits You
A wide direct shelf you can shop alone, or one program an agent brings to you.
Read the comparisonFinal expense
American Amicable vs Globe Life: Which Fits You
Agent-quoted coverage or an application you finish yourself.
Read the comparisonFinal expense
American Amicable vs Americo: Which Fits You
Who issues each policy, who owns each group and where each is licensed.
Read the comparisonFinal expense
Americo vs Mutual of Omaha Life Insurance Compared
Who issues each policy, where each is licensed and what each shelf holds.
Read the comparisonFinal expense
Bankers Life vs Mutual of Omaha: How They Compare
Underwritten whole life from age 0 against a no-health-question plan from 45.
Read the comparisonFinal expense
Aetna vs Mutual of Omaha Life Insurance Compared
Who issues each policy and what life coverage each company actually sells.
Read the comparisonFinal expense
AARP vs Mutual of Omaha Life Insurance Compared
An endorsed group program for members 50 and over against individual policies.
Read the comparisonFinal expense
Foresters vs Royal Neighbors: Which Fits You
Two fraternal benefit societies and what each membership gives you.
Read the comparisonGlobe Life, Gerber, TruStage and the direct-to-you carriers
Coverage that reaches you by mail, television or online, including coverage bought on a child.
Direct and family coverage
Globe Life vs American Income Life: Which Fits
They share a parent company, so the real difference is how each one reaches you.
Read the comparisonDirect and family coverage
Globe Life vs Gerber Life: Which One Fits You
Who each is built for, issue ages, coverage sizes and how you apply.
Read the comparisonDirect and family coverage
Gerber Life vs TruStage: Which One Fits You
Who issues each policy, issue ages, and child versus adult coverage.
Read the comparisonDirect and family coverage
TruStage vs Globe Life: Which One Fits You Best
How the offer reaches you, underwriting and waiting periods.
Read the comparisonDirect and family coverage
Mutual of Omaha vs Globe Life: Which Fits You
How you buy, underwriting, product lines and issue ages.
Read the comparisonTerm life and no-exam online coverage
Level coverage for a set number of years, sold online, through independent agents, or by a company’s own representatives.
Term life
Ethos vs Ladder: No-Exam Term Life Compared (2026)
No-exam limits, coverage amounts, term lengths and the laddering feature.
Read the comparisonTerm life
Bestow vs Ethos: Online Life Insurance Compared
Who issues each policy today, issue ages and no-exam underwriting.
Read the comparisonTerm life
Bestow vs Banner Life: How They Really Compare
Who issues each policy now, term lengths, issue ages and underwriting.
Read the comparisonTerm life
Banner Life vs Primerica: Term Life Compared
Term shopped by independent agents against term sold by your own representative.
Read the comparisonTerm life
State Farm vs Primerica: Life Insurance Compared
Local agents with term and permanent options against a term-only shelf.
Read the comparisonTerm life
Transamerica vs Primerica: Which One Fits You
Term only against a full permanent lineup, and how each is sold.
Read the comparisonTerm life
Primerica vs New York Life: Term or Whole Life
Level term with saving kept separate against whole life that does both jobs.
Read the comparisonWhole life and the large mutual insurers
Participating whole life, dividend records, and how each company is sold.
Whole life
New York Life vs MassMutual: How They Compare
Both are mutual insurers with long dividend records, so how you buy is the difference.
Read the comparisonWhole life
New York Life vs Northwestern Mutual: Which Fits You
Financial strength, dividends, whole life and the advisor model.
Read the comparisonWhole life
MassMutual vs Northwestern Mutual: How They Compare
Mutual structure, dividend records and how each company is sold.
Read the comparisonWhole life
Guardian Life vs MassMutual: How They Compare
Two mutual insurers, their dividend records and how each one is sold.
Read the comparisonWhole life
John Hancock vs MassMutual: How They Compare
A stock insurer with the Vitality program against a policyowner owned mutual.
Read the comparisonWhole life
Prudential vs MassMutual Life Insurance Compared
Flexible premium universal life against participating whole life.
Read the comparisonWhole life
Prudential vs New York Life: How They Compare
A stock company against a mutual, and what dividends mean at each.
Read the comparisonWhole life
Transamerica vs New York Life: Which One Fits
Index credited permanent coverage against participating whole life.
Read the comparisonPermanent life and broad product lineups
Companies with several kinds of coverage on one shelf, where ownership and what each still sells make the difference.
Permanent and multiline
National Life vs Pacific Life: How They Compare
Two indexed universal life writers and what each built around the policy.
Read the comparisonPermanent and multiline
Pacific Life vs Lincoln Financial: How They Fit
Who owns each company and what each permanent lineup is built for.
Read the comparisonPermanent and multiline
Lincoln Financial vs Prudential: How They Compare
What each permanent lineup is built around, and why Lincoln is not Lincoln Heritage.
Read the comparisonPermanent and multiline
Corebridge vs Transamerica: Which One Fits You
Who issues each policy, and the term and final expense shelves.
Read the comparisonPermanent and multiline
Securian vs Principal Life Insurance Compared
Who issues each policy and why Principal now writes life for the business market.
Read the comparisonPermanent and multiline
Genworth vs Mutual of Omaha: How They Compare
What each company still sells to individuals today.
Read the comparisonPermanent and multiline
Allstate vs State Farm Life Insurance Compared
Who actually issues each policy and what Everlake changed.
Read the comparisonLooking at one company rather than two? Start with the individual carrier reviews, or see how the major companies fit different needs.
How to use these
Fit first. Then the fine print.
Different people, different fit
Each page sets two carriers next to each other and says who each one suits. It never picks a winner in the abstract.
Who really issues the policy
Brand names and the company behind the policy are not always the same. The pages say which is which, so you know who you are dealing with.
Keep what you have
If you already hold one of these policies, switching is not automatic. A review that ends in keep what you have is a good result.
Free · No obligation
Have two carriers in mind? Talk it through, free.
A licensed professional will line up the options that fit your age and health, explain the tradeoffs in plain English, and say so if staying put is the best move. No obligation, no pressure.
- Narrowing a long list of carriers to a few
- Pricing two carriers against your age and health
- Reading a policy you already own
- Beneficiary and billing questions
Helping families since 2000. Licensed in all 50 states.
Mon-Sat · 10am-9pm