Life insurance research category
Life insurance research for people whose health or other factors make underwriting more complex.
Category consensus
Scores summarize how often and how prominently these companies appeared in usable AI responses across published studies.
| Rank | Company | Consensus score | Studies | Recommendation rate | Research |
|---|---|---|---|---|---|
| 01 | Prudential | 71.8 / 100 | 26 of 27 | 82.0% | View study |
| 02 | Banner Life | 53.8 / 100 | 26 of 27 | 67.7% | View study |
| 03 | Mutual of Omaha | 50.0 / 100 | 26 of 27 | 80.4% | View study |
| 04 | Lincoln Financial | 38.5 / 100 | 24 of 27 | 62.4% | View study |
| 05 | Protective | 35.4 / 100 | 24 of 27 | 52.9% | View study |
| 06 | Pacific Life | 30.5 / 100 | 21 of 27 | 46.0% | View study |
| 07 | John Hancock | 21.7 / 100 | 17 of 27 | 32.8% | View study |
| 08 | Corebridge Financial | 20.8 / 100 | 20 of 27 | 33.3% | View study |
| 09 | Transamerica | 17.6 / 100 | 15 of 27 | 32.3% | View study |
| 10 | Gerber Life | 8.7 / 100 | 8 of 27 | 15.9% | View study |
Published evidence
Each report reflects a defined consumer situation and the AI platforms that produced usable responses.
Showing 1 of 27 published studies tagged “Tobacco”.
Lincoln Financial is the consensus leader for life insurance for cigar smokers, named by all seven AI platforms studied. Prudential suits frequent or daily cigar users who may test positive for nicotine, and Banner Life suits occasional users seeking Preferred Plus Non-Tobacco pricing.
How to read this category
Category scores summarize recurring recommendations and listed positions across these scenarios. Underwriting, policy terms, product availability, and premiums can differ by applicant, carrier, and state. Each study has its own research date. Review the carrier’s current forms and an actual quote before you apply.
