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The Best Life Insurance, According to the Internet

Quid Picks

Our team of researchers, data analysts, and storytellers combed through reams of information and reviews to uncover the 10 best life insurance policies currently available—whether you’re a first-time buyer or a new parent looking for a policy that fits different circumstances.

We scoured the Internet looking for the best life insurance policies out there. Our team read all the reputable expert takes they could find, analyzed countless customer reviews, and considered the nuts-and-bolts of every policy from supplementary coverage to annual premiums. Then we synthesized that into our agnostic Quiddity Score. We didn’t pick this life insurance policy based on our own whims and coverage needs—the collective wisdom of the Internet did.

Read more about our methodology here.


The Quid Pick: State Farm


Quiddity Score of 84.0

After assessing insights from every perspective that matters, from consumers and experts to brands and retailers, the results are in.

State Farm Quid Pick

Insurance giant State Farm offers everything from car insurance to credit cards. But just because they’ve been around forever doesn’t mean they can’t change with the times. The company has taken steps to meet the needs of digital natives, by offering instant online quotes on their website and a robust mobile app for accessing account information and filing claims. As for social responsibility? The State Farm Companies Foundation supplies grants and scholarships to a variety of organizations and individuals.

Buy Now Get a quote from State Farm ($231.25 annual premium based on Quiddity's independent analysis)

Learn More Check out the State Farm Product Page on Quiddity


The Best Life Insurance for Your Needs


The Quid Pick might not be ideal for everyone. Different people have different needs. Here are a few options the internet loves, for everyone from first-time policy shoppers to new parents.


The First-Time Policy Shopper

You’re most likely in your mid-to-late 20s and looking to purchase your first policy. The biggest priority is finding low premiums at a time when you’re probably average or above-average health. You want your plan to leave your loved ones with the ability to pay back any outstanding debts you might have. You may feel it’s too soon to tell what kind of whole life insurance policy would be best and want something short-term for your current circumstances. Companies with user-friendly online portals are preferred.

What to look for: Online quotes (easier to compare ballpark rates between companies), online app/portal (convenient access to your plan information, filing claims, and billing), rewards programs (good health can help lower premiums), the option to convert a term policy at the end of its duration into a whole-life policy.

Quiddity recommends: Ladder Life ($261.66 annual premium based on Quiddity's independent analysis)

Haven Life ($261.66 annual premium based on Quiddity's independent analysis)

John Hancock ($187.32 annual premium based on Quiddity's independent analysis)


The New Parent

You may already have a policy, but now that you have a child it’s time to reassess your life insurance needs. Some increases might need to be made to your policy’s face value coverage (the amount your beneficiaries receive from your policy in the case of death). If you don’t have a term-life policy, this could be a good reason to take one out and time it to end when your child enters adulthood.

What to look for: Children’s term rider (extra coverage for a child, but on your policy), ability to increase your policy coverage amount, plan flexibility (so you will be able to make changes at later points in your term to fit new circumstances).

Quiddity recommends: State Farm ($231.25 annual premium based on Quiddity's independent analysis)

Nationwide ($188.22 annual premium based on Quiddity's independent analysis)

Allstate ($293.04 annual premium based on Quiddity's independent analysis)


The Specialist

Not every policy is the same. Smokers need different plans than non-smokers. If you have an extensive health history or are prone to certain illnesses, you need a policy that addresses those concerns. Some companies offer lower rates for smokers than others, and some providers are better at catering to long-term health issues. You need a plan that meets your specific needs—not those of the general insurance-buying population.

What to look for: Accelerated death benefit rider (ability to access policy amount in the case of a terminal illness to pay for medical expenses), low rates for smokers, disability income rider (in the case of disability, the insurance company may waive your monthly premium or you could receive a percentage of your policy as monthly income).

Quiddity recommends: Ladder Life ($261.66 annual premium based on Quiddity's independent analysis)

Northwestern Mutual ($234 annual premium based on Quiddity's independent analysis)

Liberty Mutual ($327.50 annual premium based on Quiddity's independent analysis)


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