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12 Best Life Insurance Companies in USA Best Term Life Insurance: Protective  Best Buying Experience: Haven Life  Best Convertible Term Life Insurance: MassMutual  Most Living Benefits: Nationwide  Best Return-of-Premium Term: Mutual of Omaha  Great Traditional Insurer: Guardian  Best for Military: USAA  Great for Dividends and No-Medical Exam Life Insurance: Penn Mutual  Cheapest Term Premiums: Banner  Best for Customer Satisfaction: State Farm Life Insurance  Best Whole Life Insurance: New York Life  Largest Life Insurance Company: Northwestern Mutual  LIFE INSURANCE  BEST COMPANIES 12 Best Life Insurance Companies Those who have lost income and like to cover funeral expenses and medical bills, or pay ongoing costs like a mortgage while your estate can be sorted out, life insurance can cover you. Depending on the company you you like to go with, the riders that are included in the company, and the type of policy you get-all the factors have influence on costs and benefits which may