Published company evidence
Read the context behind each recommendation, including the study it came from and the limits of what the evidence can show.
272 published fit reviews
Prudential is a mixed-to-strong fit for life insurance after a DUI. Multiple sources say it may consider a single DUI as early as 12 months post-conviction without flat extras, but Prudential publishes no DUI-specific lookback, rating, or acceptance rules, so no platform could verify actual offers.
Legal & General America is a mixed fit for Life Insurance After a Stroke. Two of seven platforms named it during the ranking stage, and it ranked first on Perplexity and second on Google. Its strongest advantage is impaired-risk pricing: substandard table ratings are calculated from Standard Plus rates rather than…
Corebridge Financial is a mixed-to-good fit for Life Insurance After a Stroke, not a clear winner. Three of seven platforms named Corebridge during the ranking stage — a 42.9% share — at an average listed rank of 6.0 and a best rank of 3.
John Hancock is a good but not conclusively best fit for marijuana users seeking life insurance. It requires marijuana disclosure and offers Vitality rewards, but no public marijuana rate schedule exists, so pricing and approval must be confirmed through an agent.
Banner Life is a mixed-to-good fit for marijuana users seeking term life insurance. Company guidance says marijuana use is generally non-tobacco, with preferred classes possible for infrequent recreational use, but independent reviews contradict this and no cannabis-specific pricing is published.
Brighthouse Financial is a mixed fit for a marijuana user seeking life insurance. Two of the seven platforms in this study named Brighthouse during the ranking stage — Anthropic (rank 4) and Google (rank 5) — giving it an average listed rank of 4.5 and a 28.6% share of included platform responses.
Pacific Life is a good fit for occasional marijuana users, with non-tobacco rates possible and preferred classes for limited use. Heavy users face uncertainty, and cannabis workers are excluded.
Nationwide is a good fit for disclosed, infrequent recreational marijuana use with no vaping and no complicating health or legal issues. Preferred nontobacco classes may be possible, but vaping is treated at tobacco rates and no marijuana-specific premiums are published.
Protective Life is a mixed-to-good fit for marijuana users seeking life insurance. Its underwriting material addresses marijuana directly, and rare recreational use may qualify for Select Preferred or Preferred, but platforms disagreed on whether marijuana is rated as tobacco.
Corebridge Financial is a mixed-to-good fit for marijuana users. Select-a-Term may offer Preferred Plus non-tobacco rates for use of 8 or fewer days per month and Standard Non-Smoker rates for use up to several times per week, but no marijuana-specific underwriting manual is published.
Mutual of Omaha is a good fit for marijuana users seeking life insurance, with United of Omaha simplified-issue guidance allowing marijuana use for nontobacco rates. It offers no-exam Term Life Express and fully underwritten Term Life Answers, though frequency thresholds and medical-use rules remain unconfirmed.
Prudential is a mixed-to-good fit for marijuana users seeking term life insurance. Multiple broker sources say it can offer non-smoker rates to occasional users, but Prudential does not publish marijuana-specific underwriting rules, so frequency thresholds and rate classes must be verified case by case.
