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
Lincoln Financial Group is a mixed-to-good fit for a healthy nonsmoking consumer in their 60s who wants guaranteed universal life insurance for a predictable death benefit rather than cash-value growth. Three of seven platforms named Lincoln during the ranking stage, and six of seven returned a usable fit assessment.
Mutual of Omaha is a mixed-to-good fit for a healthy nonsmoker in their 60s who wants guaranteed universal life mainly for a predictable death benefit.
Penn Mutual is a good fit for a healthy nonsmoker in their 60s who wants a lifetime death-benefit guarantee rather than cash-value growth. Its Guaranteed Protection UL carries a no-lapse guarantee to age 121, but no current public premium for a 60-something buyer was verified.
Nationwide is a good fit for a healthy nonsmoker in their 60s who wants a predictable lifetime death benefit and will trade cash-value growth for a no-lapse guarantee. Its No-Lapse Guarantee UL II offers an attained-age-120 guarantee at issue ages through 85, though affordability requires a personalized illustration.
Pacific Life is a good fit for a healthy nonsmoker in their 60s who wants a predictable permanent death benefit over cash-value growth. PL Promise GUL carries issue ages 0-80 and a no-lapse guarantee running to age 90, extendable toward 121, but no public premium exists for this profile.
Protective Life is a good fit for a healthy nonsmoking consumer in their 60s who wants guaranteed universal life insurance mainly for a predictable death benefit.
Symetra is a weak-to-mixed fit for a healthy nonsmoker in their 50s seeking guaranteed universal life for a lifetime death benefit. Its historical UL-G offered competitive age-50 premiums and guarantee periods up to age 120, but reporting says new GUL sales ended December 31, 2020, and no 2026 pricing was verified.
John Hancock is a mixed fit for a healthy nonsmoker in their 50s who wants a guaranteed lifetime death benefit. Only 2 of 7 platforms named John Hancock during the ranking stage, and 6 of 7 returned a usable fit assessment.
Corebridge Financial is a good, but not clearly best-in-market, fit for a healthy nonsmoker in their 50s who wants a guaranteed lifetime death benefit rather than cash-value growth. Its Secure Lifetime GUL 3 offers a no-lapse guarantee, but pricing is not public and its AM Best rating is under review.
Mutual of Omaha is a good fit to compare for a healthy nonsmoker in their 50s who wants a guaranteed lifetime death benefit. Its GUL offers no-lapse coverage potentially to age 120 and an A+ AM Best rating, but it is not the lowest-cost carrier and no public rate table exists.
Penn Mutual is a good fit for a healthy nonsmoker in their 50s who wants a guaranteed lifetime death benefit. Its Guaranteed Protection Universal Life carries a no-lapse guarantee to age 121, but no current public premium schedule exists, so competitiveness needs a state-specific illustration.
Banner Life is a conditional fit for a healthy nonsmoker in their 50s who wants a guaranteed lifetime death benefit. Life Step UL guarantees coverage to age 121, but multiple sources say it is conversion-only, and public pricing is unresolved.
