Published company evidence
Read the context behind each recommendation, including the study it came from and the limits of what the evidence can show.
191 published fit reviews
Securian Financial is a strong-to-good fit for a healthy U.S. buyer who wants permanent indexed universal life coverage and strongly prefers a potentially no-exam process. Two of the seven platforms in the ranking stage named Securian Financial, and six of the seven returned a usable fit assessment.
Penn Mutual is a good fit for healthy buyers who want indexed universal life and prefer underwriting that may avoid a paramedical exam.
Pacific Life is a good but conditional fit for no-exam or accelerated underwriting IUL. Its PAL+ pathway can skip the medical exam up to $3 million for ages 18-60 at Standard or better, but PDX IUL, PDX IUL 2, and PIA 6 are listed as not available for sale, so confirm state availability first.
Mutual of Omaha is a good fit for healthy buyers who want indexed universal life coverage without a paramedical exam. IUL Express uses simplified underwriting with no blood, urine, or exam, while larger Income Advantage and Life Protection Advantage IUL policies may qualify for accelerated underwriting.
John Hancock is a good, not guaranteed, fit for healthy buyers seeking no-exam or accelerated underwriting indexed universal life insurance.
Lincoln National life insurance Company is a good, but not clearly strongest, fit for affluent couples seeking second-to-die permanent coverage for estate liquidity or legacy transfer. Two of seven platforms named Lincoln during the ranking stage, and six of seven returned a usable fit assessment.
John Hancock is a good, but not conclusively best, fit for affluent couples seeking second-to-die universal life coverage for estate liquidity and legacy planning. It offers Protection SUL, Protection SIUL, and Accumulation Survivorship IUL, but no verified public pricing exists.
Corebridge Financial is a good, but not conclusively best, fit for a healthy nonsmoking consumer in their 60s who wants guaranteed universal life insurance mainly for a predictable death benefit.
North American Company is a good fit for a healthy nonsmoker in their 60s who wants a predictable death benefit and does not need cash-value growth, but it is not a definitive best buy. Two of the seven platforms named North American Company during the ranking stage, and six of the seven returned a usable fit…
Transamerica is a mixed-to-weak fit for a healthy nonsmoker in their 60s seeking guaranteed universal life insurance. Transamerica Lifetime offers guaranteed level premiums and death benefit, but is documented as whole life, not GUL, and retail GUL availability is unclear.
Prudential Financial is a good, but not conclusively best, fit for a healthy high-income buyer seeking $2 million or more of indexed universal life coverage. Its strongest case rests on high financial-strength ratings, documented large-case procedures, and multiple IUL designs with 0% floors and living-benefit riders.
Securian Financial is a qualified but not conclusively best fit for a healthy high-income buyer seeking $2 million or more of indexed universal life coverage, based on reported A+ financial strength, large-face underwriting experience, and the Eclipse Accumulator II IUL.
