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
Allianz Life Accumulator Indexed Universal life insurance Policy is a good but highly design-dependent fit for a healthy nonsmoking buyer in their 40s who needs permanent coverage with index-linked cash-value potential.
Pacific Horizon IUL 2 is a good, but not conclusively best, fit for a healthy nonsmoking buyer in their 40s who wants permanent indexed universal life insurance with flexible funding and long-term cash-value potential. No public buyer-specific pricing exists, so a state-specific illustration is required.
Nationwide is a good fit, with qualification, for a healthy nonsmoking buyer in their 40s who needs permanent indexed universal life insurance with long-term cash-value potential. The main limitation is pricing opacity, so competitiveness must be verified through illustrations and contract review.
Brighthouse Financial is a good fit for indexed universal life with chronic illness or long-term-care riders, but a narrow one. Its SmartCare policy matches the IUL-plus-living-benefits structure, though LTC payments reduce the death benefit dollar for dollar and no public premium schedule exists.
Symetra is a good but qualified fit for indexed universal life with chronic-illness living benefits. Symetra Protector IUL includes a chronic-illness acceleration rider and an optional Chronic Care Advantage Rider with 50% or 100% death-benefit acceleration and 2% or 4% monthly payouts.
Prudential is a good fit for buyers who want indexed universal life with an optional chronic-illness accelerated-death-benefit rider. BenefitAccess can accelerate up to 100% of the death benefit, but it is not long-term-care insurance and reduces the death benefit.
John Hancock is a good fit for a buyer who wants permanent indexed universal life coverage with an integrated long-term-care or chronic-illness living benefit, primarily through its LifeCare hybrid IUL product.
Mutual of Omaha is a good fit for buyers who want indexed universal life with a chronic-illness or long-term-care access feature. Income Advantage IUL and Life Protection Advantage IUL can include an optional Long-Term Care Rider, while a Chronic Illness Rider is built in at no extra cost.
Protective Life is a qualified but time-sensitive fit for indexed universal life with chronic-illness riders. Indexed Choice UL with ExtendCare can accelerate part of the death benefit, but multiple platforms report the product closed to new sales on March 9, 2026.
Nationwide is a good, not universally strong, fit for indexed universal life with chronic illness or long-term care riders. Six of seven AI platforms named it, and it ranked first overall, led by a cash-indemnity Long-Term Care Rider II and A+ ratings. Rider terms and pricing vary by state.
Pacific Life is a good, but not automatic, fit for indexed universal life insurance with chronic-illness or long-term-care access. Its Pacific Horizon IUL 2 pairs with optional Premier Chronic Illness, Premier Living Benefits Rider 2, or Premier LTC riders, though availability, charges, and underwriting vary by state.
Ameritas Life Insurance Corp. is a good, but not conclusively best, fit for a buyer seeking Indexed Universal Life Insurance With Flexible Premium Options. Two of the five platforms that evaluated fit named Ameritas during the ranking stage, at an average listed rank of 7.5 and a best rank of 7.
