Which whole life insurance companies are best in 2025?

We reviewed top-rated insurers to find the best whole life policies based on expert analysis and real-world performance.

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Headshot of Tory Crowley

By

Katherine MurbachEditor & Licensed Life Insurance AgentKatherine Murbach is a licensed life insurance agent and a former life insurance and annuities editor and sales associate at Policygenius. Previously, she wrote about life and disability insurance for 1752 Financial, and advised over 1,500 clients on their life insurance policies as a sales associate.&Tory CrowleyAssociate Editor & Licensed Life Insurance AgentTory Crowley is an associate life insurance and annuities editor and a licensed insurance agent at Policygenius. Previously, she worked directly with clients at Policygenius, advising nearly 3,000 of them on life insurance options. She has also worked at the Daily News and various nonprofit organizations.

Edited by

Antonio Ruiz-CamachoAntonio Ruiz-CamachoAssociate Content DirectorAntonio is a former associate content director who helped lead our life insurance and annuities editorial team at Policygenius. Previously, he was a senior director of content at Bankrate and CreditCards.com, as well as a principal writer covering personal finance at CNET.
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Reviewed by

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.
Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

Table of contents

Best whole life insurance companies of 2025

Our team reviewed dozens of providers to identify the best whole life insurance companies for long-term value, financial stability, and customer satisfaction. These picks are based on 2025 data, including:

  • A.M. Best financial strength ratings

  • Dividend-paying history

  • Policy customization (riders, payment structure, flexibility)

  • Availability through Policygenius

  • Sample pricing and product performance

Our 5 top picks for 2025

How much does whole life insurance cost?

What makes a great whole life insurance company?

The best whole life providers offer:

  • Long-term dividend performance High financial strength ratings

  • Flexible payment schedules (e.g., 10-pay, paid-up at 65)

  • Living benefits, such as accelerated death benefits for terminal illness or chronic care

  • Optional riders like waiver of premium or guaranteed insurability

  • Competitive cash value growth

These features can add flexibility and long-term value to your policy — especially as your financial goals and life circumstances change.

Why compare whole life insurers before buying

Whole life is expensive — you’re committing for decades. Comparing insurers ensures you:

  • Get strong guaranteed returns and dividend potential

  • Understand policy flexibility (riders, loans, payment terms)

  • Choose a provider aligned with your long-term goals

Using an independent broker like Policygenius lets you evaluate top-rated options side by side.  Independent brokers can also explain the fine print, such as policy fees, surrender charges, or dividend projections. This guidance is especially valuable when comparing illustrations or navigating insurer-specific product language.

Ready to see your options?

Bottom line

Whole life insurance offers stability, cash value growth, and lifetime coverage — but not all policies are created equal. The companies above represent the best of 2025 based on financials, flexibility, and real-world value.

If you're considering a whole life policy, compare quotes and features carefully. A Policygenius expert can walk you through options that fit your budget and goals.

As the insurance landscape evolves with new products and digital tools, staying informed about changes in dividend performance, policy design, and insurer ratings can help you make smarter decisions over time.

Compare whole life insurance quotes today

Authors

Katherine Murbach is a licensed life insurance agent and a former life insurance and annuities editor and sales associate at Policygenius. Previously, she wrote about life and disability insurance for 1752 Financial, and advised over 1,500 clients on their life insurance policies as a sales associate.

Tory Crowley is an associate life insurance and annuities editor and a licensed insurance agent at Policygenius. Previously, she worked directly with clients at Policygenius, advising nearly 3,000 of them on life insurance options. She has also worked at the Daily News and various nonprofit organizations.

Editor

Antonio is a former associate content director who helped lead our life insurance and annuities editorial team at Policygenius. Previously, he was a senior director of content at Bankrate and CreditCards.com, as well as a principal writer covering personal finance at CNET.

Expert reviewer

Maria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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