Best Life Insurance Companies for Seniors (55+)

Clifford PendellWritten by Clifford Pendell, Managing Partner and Co-founder

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Many people mistakenly believe that it's impossible to find affordable life insurance for seniors.

Thankfully, this is not the case if you know where to look.

In this guide, we explore the 10 Best Life Insurance Companies for Seniors in 2023 including:

  • Financial Ratings
  • Customer Ratings
  • Company Reviews
  • What Makes Them the Best
  • Rates
  • Policies
  • Riders
  • Where to Get a Life Insurance Quote for Seniors

At JRC Insurance Group, we work with 63 insurance providers to help our clients find the best coverage to protect their families. We have helped thousands of seniors find the best life insurance policy for their age, health, needs, and budget.

Quick Article Guide

Here’s what we'll cover in this post:

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Top 10 Life Insurance Companies for Seniors

The best life company for each individual depends on their overall health, financial needs, budget, and a lot of other unique factors. While life insurance is not a one-size-fits-all product, these 10 Life Insurance Companies usually stand out as the Best for Seniors because of their:

  • Affordable Rates
  • Flexible Policy Options
  • Selection of Additional Riders 
  • Strong Financial Ratings
  • Great Customer Service
To find out which company is best for you and get the best life insurance rates for seniors, we always recommend working with an independent agent that can easily compare policy options and pricing from all of the top companies in one phone call.

CompanyIssue AgesPolicy LengthCoverage
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Legal & General logo AM Best: A+ From: 20
To: 75
10 Years -
40 Years   
$100,000 -
$10,000,000+   
Protective logo AM Best: A+ From: 18
To: 80
10 Years -
40 Years   
$100,000 -
$10,000,000+   
Principal logo AM Best: A+ From: 20
To: 80
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30 Years   
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$10,000,000+   
Pacific Life logo AM Best: A+ From: 18
To: 80
10 Years -
30 Years   
$50,000 -
$10,000,000+   
AIG logo AM Best: A From: 20
To: 80
10 Years -
30 Years   
$100,000 -
$10,000,000+   
Prudential logo AM Best: A+ From: 18
To: 75
10 Years -
30 Years   
$100,000 -
$10,000,000+   
Transamerica AM Best: A From: 18
To: 80
10 Years -
30 Years   
$50,000 -
$10,000,000+   
Mutual of Omaha logo AM Best: A+ From: 18
To: 80
10 Years -
30 Years   
$100,000 -
$10,000,000+   
Lincoln Financial Group logo AM Best: A From: 18
To: 80
10 Years -
30 Years   
$100,000 -
$10,000,000   

We have provided more details about these top-rated life insurance providers in the section below:

1. Banner Life

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A+

S&P- AA-

Fitch- AA-

4.3 / 54.8 / 5

Why Banner Life?

Banner Life is known for their affordable rates and lenient underwriting guidelines. They specialize with affordable term life insurance options for type-II diabetics, or anyone who is considered to be overweight or obese, and they have a relatively quick application process.

What Makes Banner Life the Best Life Insurance Company for Seniors?

Rates

Banner Life is one of the top three for most favorable rates for seniors. They also offer great financial stability as an A+ rated company, and exceptional customer service reviews. In more than 130 years, the company and it's subsidiaries have never failed to pay a valid claim. 

Policies

  • Level Term
  • Universal Life
  • Guaranteed Issue

Riders

  • Child Protection
  • Disability Waiver of Premium
  • Accelerated Death Benefit
  • Policy Conversion Option

Customer Service

In 2021, Banner Life, and its parent company, Legal and General, paid more than 3,500 claims to families and businesses. Despite its size, Banner Life has received only 3 complaints within the last 36 months on the BBB website where they are rated "A+." The company was also recently ranked at 95 out of 100 by Comdex. 

How to Learn More

Would you like to learn a bit more about the Banner Life insurance company and the policies they offer? Please see our comprehensive company review to learn more about the company and view sample rates by age and gender, or call us at 855-247-9555.

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2. Protective Life

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A+

S&P- AA-

Fitch- A+

4.2 / 54.7 / 5

What We Like About Protective:

Rates

Protective Life offers some of the best life insurance rates for seniors and affordable options for lifetime coverage. The company is best-known for their aggressive rates and GUL policies that allow the insured to lock in their rates until age 90 or later. 

Because of their affordability and longevity, Protective's GUL policies are usually the best option for anyone that wants to fund a trust or leave an inheritance behind. The company is also very lenient with applicants that have circulatory issues or a history of cancer treatments.

Policy Options

Riders

These are features already included with your policy, or additional benefits that can be added to your policy when you purchase it. Protective offers some of the best policy riders in the life insurance industry for:

  • Child Protection
  • Accelerated Death Benefits
  • Accidental Death Benefits

Customer Service

Protective Life has a very high rating for overall customer satisfaction by J.D. Power and a near-perfect ComDex score of 92 out of 100. They also have very few complaints when compared to other life insurance companies and are A+ rated for their financial stability. 

How to Learn More

Do you want to know more about the Protective Life company? Please read our complete company review to learn more about Protective's rates, policy options, available riders, and more. You call also call 855-247-9555 to speak with an expert.

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3. Principal

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A+

S&P- AA-

Fitch- AA-

4.2 / 54.7 / 5

What Makes Principal the Best Life Insurance Company for Seniors?

Principal Life offers affordable term life insurance without a medical exam and they usually have the lowest rates for cancer survivors that have completed their treatment. The company is also very lenient with applicants that have an unfavorable family history of cancer.

They are also an excellent choice for anyone is excellent health because their top rate class is almost unbeatable. Principal Life is also lenient with minor health issues like high blood pressure or cholesterol, and they offer great rates to seniors who were obese and had recent weight loss.

Policies

  • Term Life
  • No Exam
  • Permanent Life
  • Survivorship / Second-to-Die
  • Variable Life

Rates  

In many cases, Principal's rates are comparably less expensive than other term life insurance providers. The company also offers some of the fastest underwriting for life insurance without an exam, making them a great choice for anyone who needs their coverage in a hurry.

Customer Service

Principal Life has an A+ rating from the Better Business Bureau where they have been accredited since 1948. While the company has some customer complaints, most of these seem to stem from their IRA products, not life insurance. 

How to Learn More

To apply for insurance from Principal Life, or compare their pricing with dozens of other top-rated life insurance companies, please give us a call toll-free at 855-247-9555. You can also request an instant online quote using our term life insurance calculator below.

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4. Pacific Life

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A+

S&P- AA-

Fitch- A+

4.4 / 54.7 / 5

What We Like About Pacific Life:

Rates

Pacific life has very favorable rates for seniors and are ranked among the top three providers across the nation for seniors. They offer lenient guidelines for applicants who are considered to be overweight, and they are one of the best companies for mildly elevated blood pressure. 

Policy Options  

  • Term Life
  • Universal Life
  • Indexed Universal Life
  • Variable Universal Life
  • Whole Life
  • Survivorship Life
  • Long Term Care

Long Term Care

Pacific Life is one the top life insurance companies for seniors because they offer permanent life insurance policies with long term care benefits. These policies can provide for the cost of your long-term care, or provide a death benefit to your loved ones if you pass away.

Roughly 70% of seniors will need some form of long-term care during their lifetime and this can leave a large financial burden on your family or spouse. A long-term care policy can provide for these expenses allowing you and your spouse to live comfortably. 

Customer Service

In 2021, J.D. Power ranked Pacific Life in fourth place (out of 21 companies) for customer satisfaction. The company has very few complaints, but their customer service center is located in California, which makes it harder for customers on the East Coast to reach them during normal business hours. 

How to Learn More

Want to know more about what makes Pacific Life one of the best companies for seniors life insurance? Our company review has everything you need to know, or you compare their rates to dozens of providers using our free online quote form.

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5. AIG (American General)

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A

S&P- A+

Fitch- A+

4.2 / 54.6 / 5

What We Like About AIG:

Term Conversion Option

AIG is an excellent company for seniors because their term life insurance policies offer a conversion option until age 70. This allows a policy holder to convert up to the full face amount of their term policy into permanent coverage without reproving insurability. 

Policy Options

  • Level Term
  • Permanent  
  • Guaranteed Issue
The company has been in business for more than 100 years and they offer a wide variety of permanent and term life insurance options. American General also offer guaranteed issue life insurance until the age of 85 while most companies have a  cutoff age of 80. 

Flexible Options

AIG is also known for having customizable term options. Most companies force you to choose increments of 5 or 10 years, but with AIG you can select the precise number of years to coincide with your financial needs such as 14 years, 27 years, or 9 years, etc...

Customer Service

Unfortunately, American General is not known for outstanding customer service. In 2021, J.D. Power awarded the company 729 out of 1000 points, ranking them in second to last place of the 20 companies they reviewed. With that being said, in over 100 years, the company has never failed to pay a valid death claim. 

How to Learn More

To learn more about the AIG company and the policies they offer, please see our article, "American General Life Insurance Review - An Insider's Guide." Or you call us toll-free at 855-247-9555 to speak with a licensed agent who can quickly compare your options.

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6. Prudential

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A+

S&P- AA-

Fitch- AA-

4.3 / 54.8 / 5

What We Like About Prudential:

Great Rates for Seniors With Pre-Existing Conditions

Prudential is the best company for seniors who have pre-existing conditions. They offer more lenient build guidelines to those who are older and are very lenient with a variety of age-related health issues like hypertension, high cholesterol, prostate issues, and diabetes. 

The Prudential company has even offered affordable life insurance coverage to our applicants that had been previously declined by other top-rated providers. In fact, the company's motto is "Bring Us Your Challenges," and from our experiences, they absolutely mean it.

Policy Options

  • Term Life
  • Permanent
  • Universal
  • Indexed Universal
  • Variable Universal
  • Survivorship Universal
  • Variable Universal

Accelerated Death Benefits Rider

Prudential offers a handful of features that can be added to your policy but one of the best benefits they offer is actually included with all of their term polices for free. Their ADB rider allows the insured to access their policy's death benefit if they become terminally ill.

This money can be used for any reason including taking off time from work to get better, paying for additional healthcare costs, or even taking your family on a once-in-a-lifetime vacation. If you do not pass away, the money does not have to be repaid to Prudential.

Customer Service

Prudential has never failed to pay a valid claim and they have been operating for more than 145 years. In 2021, the company was ranked 95 out of 100 by Comdex for their financial stability. If you need life insurance in a hurry, Prudential offers accelerated underwriting, without a medical exam, until the age of 60. 

How to Learn More

For a full review of Prudential Life Insurance Company, please read our article, "Prudential Life Insurance - 7 Reasons They're the Best," or call us at 855-247-9555 to speak with an expert that can quickly review your best options for coverage.

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7. Transamerica

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A+

S&P- AA-

Fitch- A+

4.1 / 54.5 / 5

What We Like About Transamerica:

Options for Older Applicants

Transamerica has the oldest cut-off age for most term lengths. As an example, most companies stop offering a 15-year term after 75, while Transamerica will offers to applicants until age 78. The also offer a conversion option with all of their term insurance policies. 

Affordable Rates for People with Pre-Existing Conditions

Another area where Transamerica excels is in providing superior rates to people who have pre-existing conditions including sleep apnea, asthma, obesity and high cholesterol. They also offer policies for less than $100,000 of coverage which can be helpful for someone on a fixed income. 

Policy Options

  • Whole Life
  • Term Life
  • Guaranteed Issue
  • Universal Life
  • Indexed Universal

Customer Service

In 2021, J.D. Power ranked Transamerica with 747 out of 1000 possible points, placing them just above AIG and Brighthouse Financial. The Better Business Bureau's website has assigned the company with a "B" letter grade (A to F scale). Transamerica's customer serivce center is located in Iowa and they are open Monday-Friday from 8am to 7pm CT. 

How to Learn More

If you want to find out more about Transamerica, their policies, rates, and more, please read the comprehensive company review we wrote. You can also compare their pricing with dozens of top-rated providers by using our free online quote form below.

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8. Mutual of Omaha

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A+

S&P- A+

Fitch- AA-

4.2 / 54.4 / 5

Why is Mutual of Omaha Best for Seniors?

Great Whole Life Insurance Policies for Seniors

Mutual of Omaha offers some of the best whole life insurance options for seniors including guaranteed issue life insurance that doesn't require a medical exam for an approval. They offer affordable permanent life insurance policies with long-term care coverage.

Term Life Insurance Up to Age 80

The term life policies that Mutual of Omaha offers are competitively priced and their underwriting is fairly lenient for applicants that are considered overweight. They also offer 10-year terms for people up to age 80, which is a year or two beyond what most companies will allow.

Policy Options

  • Term Life
  • Indexed Universal
  • Universal Life
  • Whole Life
  • Children’s Whole Life

Customer Service

J.D. Power ranked Mutual of Omaha as the 5th best company for customer satisfaction in 2021. They received 795 points out of 1000 ranking them above some well-known providers including; MassMutual, MetLife, and Primerica. The company also has an A+ rating with the Better Business Bureau. 

How to Learn More

To learn more about term life insurance, long-term care insurance, or permanent life insurance products from Mutual of Omaha, please see our review. You can also call us at 855-247-9555 to speak with an expert about your insurance needs.

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9. Assurity

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A-4.1 / 54.3 / 5

What Makes Assurity One of the Best Life Insurance Companies for Seniors?

Affordable No Exam Life Insurance for Seniors

If you are searching for no exam life insurance, Assurity could be your best option. We usually recommend completing a medical exam if possible, but for people who are not comfortable doing so, or think it could negatively affect their rates, Assurity has some great options for seniors.

Fast Approval Times

Assurity also is one of the best companies for older people who need to secure life insurance coverage quickly. Their no exam policies are often approved in as little as 48 hours and they offer an easy application process that can be completed over the phone. 

Policy Options

  • Term Life
  • Whole Life
  • Universal Life

Customer Service

Assurity was not included in J.D. Power's life insurance provider rankings this year, but the company has an A+ rating from the Better Business Bureau. The company also has a Customer Service portal on their website which allows policyholders to update their contact information, payment methods, and beneficiaries. 

How to Learn More

To learn more about the Assurity company and the life insurance products they offer, give us a call today toll-free at 855-247-9555. You can also enter your information below to compare rates from dozens of insurance providers in less than a minute.

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10. Lincoln Financial

Financial Ratings

Customer Satisfaction

Our Review

A.M. Best- A+

S&P- AA-

Fitch- A+

4.0 / 54.3 / 5

What We Like About Lincoln Financial:

Affordable Rates for Seniors with Pre-Existing Conditions

Lincoln Financial has excellent pricing for specific health conditions including obesity, well-controlled type-II diabetes, sleep apnea, and current tobacco use. They are also one of the few companies that offer their non-tobacco rates to current pipe and cigar smokers.

Fast Application and Approval Process

If you need life insurance in a hurry, Lincoln Financial offers electronic applications with an average approval time of 20 days or less. They are also one of the only companies that will deliver your policy by email, so you won't have wait on the mail to activate your coverage.

Policy Options:

  • Term Life
  • Universal Life
  • Variable Universal Life

Customer Service

The Better Business Bureau has assigned the Lincoln Financial Group with an A- letter grade (A to F scale). Relative to their competition, they have very few complaints. Lincoln received 776 out of 1000 points in J.D. Power's latest rankings which ranked them above some well-known providers including Securian, Primerica, and Metlife. 

How to Learn More

To learn more about the Lincoln Financial company and the products they offer, give us a call at 855-247-9555 to speak with an expert, or you can request a free quote online to compare their rates with dozens of other life insurance providers in less than a minute.

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How to Find the Best Life Insurance Rates & Policies for Seniors

The easiest way to find the best policy with the lowest rates is to work with an independent life insurance agent that will compare dozens of highly-rated companies at once. At JRC Insurance Group, we work with over 50 life insurance providers to help our clients find the right policy for their needs.

All of our agents offer at least a decade of experience and we have the resources to help you find the best life insurance policy available, regardless of your age, health issues, or budget. Most importantly, our comparative shopping services are free and there is no cost to apply.

To compare rates from dozens of top providers, call 855-247-9555 to speak with one of our highly trained agents. Or, you can get started today and instantly compare rates from more than 50 life insurance companies by using the free quoting tool below.

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Clifford Pendell

Clifford Pendell

Managing Partner and Co-founder

Cliff is a licensed life insurance agent and one of the owners of JRC Insurance Group. He has helped thousands of families of businesses with their life insurance needs since 2012 and specializes with applicants who are less than perfect health. In his spare time he enjoys spending time with family, traveling, and the great outdoors.

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Don't worry, we won't sell your information. By submitting an online insurance quote request, you are providing JRC Insurance Group with your prior express and written consent to call you at the cell phone number or residential phone number provided. Final rates are based on eligibility. You can also reach us toll-free at 855-247-9555.