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
John Hancock is a mixed fit for life insurance with heart disease. Medically underwritten term and permanent coverage can evaluate cardiac history case by case, but Simple Term with Vitality excludes major heart histories and cardiac rates are not published.
Mutual of Omaha is a good fit for heart disease applicants needing modest permanent coverage. Its guaranteed whole life path requires no health questions or exam, but coverage caps at $25,000 and carries a two-year graded benefit for natural death.
Lincoln Financial is a mixed fit for life insurance with heart disease. Its TermAccel path excludes cardiovascular disease, but applicants declined there may still qualify for fully underwritten Lincoln coverage with extra medical evidence.
Prudential is a good fit, not a guaranteed one, for buyers with heart disease who want fully medically underwritten term or permanent life insurance and can supply detailed cardiac records. All 7 platforms named it, and it ranked first overall, but no cardiac-specific rate table is published.
State Farm is a mixed fit for life insurance with Type 2 diabetes. It offers Select Term with health-status-free conversion and a chronic-illness rider on Universal Life, but publishes no diabetes underwriting criteria and is described as conservative.
Ethos Life is a mixed fit for adults with reasonably stable Type 2 diabetes. It offers online, no-medical-exam term coverage and possible Banner Life underwriting, but publishes no diabetes-specific underwriting table, A1C thresholds, or confirmed premium, so approval and final price stay unknown until underwriting.
Corebridge Financial is a mixed-to-good fit for an adult with reasonably stable Type 2 diabetes, but the evidence is not strong enough to call it a clear winner. Two of the seven platforms in this study named Corebridge during the ranking stage, at an average listed rank of 4.0 (best rank 3).
Nationwide is a good fit to investigate for term life insurance with reasonably stable Type 2 diabetes, but not a proven best choice. Its underwriting evaluates diagnosis date, A1C, glucose, treatment, and complications. No public evidence confirms diabetes-specific approval odds or rate competitiveness.
Lincoln Financial is a good, but not definitively best, fit for a reasonably stable adult with Type 2 diabetes seeking life insurance.
Pacific Life is a mixed fit for an otherwise stable adult with Type 2 diabetes. Four of the seven platforms in this study named Pacific Life during the ranking stage — 57% of included platform responses — at an average listed rank of 5.5 and a best listed rank of 4.
Prudential is a good fit for an adult with reasonably stable Type 2 diabetes who wants medically underwritten term coverage and values approval odds over the absolute lowest premium. Six of seven platforms named Prudential during the ranking stage, with an average listed rank of 3.5 and a best rank of 1.
Banner Life is a good fit for adults with reasonably stable Type 2 diabetes seeking medically underwritten term coverage, though approval is not guaranteed. OPTerm offers 10- to 40-year level terms, but Banner publishes no diabetes rate table or approval odds.
