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
Principal Financial Group is a mixed fit for life insurance in high-risk occupations. Two of the seven platforms named Principal during the ranking stage, and it finished ninth overall with an average listed rank of 4.5.
Pacific Life is a mixed fit for life insurance in high-risk occupations. Three of seven platforms named it during the ranking stage (43% of included platform responses), at an average listed rank of 6.0 and a best rank of 4.
AIG (Corebridge Financial) is a mixed fit for life insurance in high-risk occupations. It is a reasonable quote candidate, not a proven specialist. Two of six included platforms named it during the ranking stage (33.3% share), at an average listed rank of 3.5 and a best rank of 2.
Transamerica is a mixed fit for high-risk occupations. Its Trendsetter term portfolio offers simplified or accelerated underwriting with no-exam coverage up to $2 million for qualifying applicants, but no source confirms occupation-specific acceptance standards or competitive pricing for hazardous jobs.
Mutual of Omaha is a mixed fit for life insurance in high-risk occupations. Four of seven platforms named it during the ranking stage (57% of included platform responses), at an average listed rank of 4.75 and a best rank of 2.
Protective Life is a mixed fit for high-risk occupation life insurance. Five of seven platforms named it, but no reviewed source shows occupation-specific underwriting rules or pricing for hazardous jobs.
Banner Life (Legal & General America) is a mixed fit for Life Insurance for High-Risk Occupations. Five of six included platforms named it during the ranking stage (83% share), at an average listed rank of 4.0 and a best rank of 2.
Prudential is a good, but not conclusively best, fit for U.S. consumers in high-risk occupations. Six of seven AI platforms named it during ranking, and it finished first overall with an average listed rank of 1.33.
John Hancock is a good fit for typical certified recreational scuba divers seeking term life insurance, since its underwriting guide states most average recreational divers are Standard or better risks. Deep, technical, cave, solo, or professional diving may draw ratings or decline.
Corebridge Financial is a mixed-to-good fit for scuba divers. Its Select-a-Term product may allow Preferred Plus rates for certified open-water divers staying at or under 100 feet with 10 or fewer dives per year, but Corebridge publishes no consumer-facing scuba underwriting table and offers no exclusion rider.
Transamerica is a mixed fit for scuba divers seeking life insurance. Its underwriting materials explicitly address scuba diving, with standard or Preferred Plus treatment reported for shallow recreational diving, but sources conflict on whether diving deeper than 75 feet is prohibited or allowed to 100 feet.
Pacific Life is a good, but not definitively best, fit for recreational scuba divers. Four of the seven platforms in this study named Pacific Life during the ranking stage, and all seven evaluated its fit.
