Compare life insurance companies
Educational only — not a quote, not a recommendation. This site is not an insurer or a broker, and nothing on this page is a personalised price. A final price comes only from the carrier or a licensed agent, after underwriting. Life insurance providers, compared side by side on published term and permanent options. Only two published starting claims appear on this page, each with its full profile and date; everything else is quote-only, because a life premium depends on age, health, amount and underwriting that no table can price for you.
How to read “Not published”: it means the 2026-11-05 research did not verify that item on a carrier or official page. It is not a zero, not a “no”, and it is never filled in from a third-party table. Where a figure is published, its profile, date and source sit next to it.
How to use this comparison
- Pick 2 or 3 companies with the checkboxes below the table heading, and compare them side by side.
- Compare like for like: the same limits, the same deductible, the same cover type. A cheaper headline with a lower limit is not the same cover.
- Check the official link in the row before you decide — the carrier's own page and plan documents are the final word, and availability varies by state, county and plan.
- Use the tools beside this page to work out what you need first, then take that need to the official quote. No personal details are collected anywhere on this page.
MassMutual's illustrative sample figures were incomplete in the research (gender columns unlabelled) and are deliberately omitted, and Pacific Life's producer-only rates are deliberately omitted. A cell left as “Not published” is an honest gap, not a zero.
Life companies — full table
| Company | Published packages / cover options | Key features | Deductibles / limits where published | Discounts where published | Premium availability | Official link | Source |
|---|---|---|---|---|---|---|---|
| Northwestern Mutual | Term (10/20-year, convertible), whole life (lifelong, cash value, possible dividends), universal life (flexible premiums/benefit) and variable universal life (cash value invested as chosen). Advisor-led. | Convertible term; possible dividends on whole life. | Not published | Not published | Quote-only, except these published marketing floors, NOT a personal quote: term cover of $500,000 described as less than $1/day; whole life possibly as low as $60/month depending on health, age and amount. | Official page — Advisor-led; no online quote URL was separately verified for this row. | northwesternmutual.com, retrieved 2026-11-05 |
| New York Life | Term, whole, universal and variable universal life. Term level premiums for the chosen period, convertible to permanent. | Convertible term. | Not published | Not published | Quote-only / not published. No clean online quote URL was verified for the main products. | Official page — The separate AARP programme (nylaarp.com) is not mixed with these main products here. | newyorklife.com, retrieved 2026-11-05 |
| MassMutual | Term (10/20/30-year, level premiums, many convertible without new medical questions or exams, conditions vary), whole, universal and variable universal life. Participating whole life may be eligible for annual dividends, not guaranteed. | Many term policies convertible without new medical questions or exams (conditions vary). | Not published | Not published | Quote-only / not published. An illustrative official sample was incomplete in the research (age-25 figures with gender columns unlabelled) and is deliberately omitted until the live page is re-checked. | Official page — Quote via a financial professional. | massmutual.com, retrieved 2026-11-05 |
| Prudential (US, Prudential Financial) | Term and permanent cover; term convertible to permanent. Online term route (SimplyTerm Protector / EssentialTerm Value) with a health-question application; other permanent products via a financial professional. Availability varies by state. | Online term application with health questions; convertible term. | Not published | Not published | Published example with full profile and date: SimplyTerm Protector $10.75/month — female, age 25, non-tobacco, excellent health, $300,000 first-year amount, 30-year term, rates effective 15 Feb 2026, issued by Pruco Life; SimplyTerm is not available in all states. General term page starting claim: up to $1 million, starting at $10/month — a starting claim, not a personal quote. | Get an official quote — Example page: prudential.com/landing/simplyterm-protector. Do not confuse with prudential.ug or prudential.com.my. | prudential.com, retrieved 2026-11-05 |
| State Farm | Term (Select Term 10/20/30, return-of-premium term, Instant Answer Term), whole life (including limited-pay and single-premium) and universal life (individual, joint first-to-die, survivorship second-to-die). Online quoting for select term only; others via an agent; saved online quotes last 30 days. | Return-of-premium term option; survivorship universal options. | Not published | Not published | Quote-only / not published. | Get an official quote — Indexed universal life and issue-age caps from third-party summaries were not verified officially and are not published here. | statefarm.com, retrieved 2026-11-05 |
| Guardian (Guardian Life, US) | Term (level premiums, tax-free lump-sum death benefit), whole life (fixed premiums, cash value, possible dividends as a mutual), universal life (flexible premiums) and survivorship whole life (EstateGuard, two people, one policy). Whole and universal via an advisor. | Survivorship whole life (EstateGuard). | Not published | Not published | Quote-only / not published. A term calculator gives an estimate with a disclaimer that issued provisions and pricing may differ and features vary by state. | Official page — The term calculator URL returned carried agent parameters and is not published. Use guardianlife.com, not guardianinsurance.com.au or guardian-lifeinsurance.com. | guardianlife.com, retrieved 2026-11-05 |
| Pacific Life | Term: PL Promise Term (10/15/20/25/30-year) and Elite Term (10/20/30-year). Permanent focus: universal life (including no-lapse guarantee to age 90–121), indexed universal and variable universal life. Whole life for individuals is not listed as a retail focus (employer-channel only in third-party sources). | No-lapse guarantee to age 90–121 on some universal products; PL Promise Term convertible to universal before age 70 in a third-party summary. | Not published | Not published | Quote-only / not published. Producer-only rate material is marked for financial professionals only and is deliberately omitted. | Official page — No online quote URL was verified; quote via a local financial professional after ZIP entry. Licensed in all states except New York; features vary by state. | pacificlife.com, retrieved 2026-11-05 |
| Lincoln Financial | TermAccel level term and universal life (variable and indexed, including a hybrid with long-term-care benefits in a third-party review). | Hybrid universal option with long-term-care benefits (third-party review). | TermAccel minimum $100,000 (advisor material). Convertible before the end of the level period or age 70, whichever is first (advisor material). | Not published | Quote-only / not published. No consumer online quote URL was verified. | Official page — Advisor microsite for financial professionals and brokers only — not a consumer quote link. The consumer route is to find a financial professional. “No whole life sold” is third-party only and is not stated here as fact. | lincolnfinancial.com, retrieved 2026-11-05 |
Sources for this table
Every figure and feature above comes from the carrier page linked in its row, as recorded in the research register on 2026-11-05. “Not published” means the research did not verify that item on a carrier or official page — it is not a zero, and it is not filled in from a third party.
- Northwestern Mutual — https://www.northwesternmutual.com/life-insurance/ (northwesternmutual.com, retrieved 2026-11-05)
- New York Life — https://www.newyorklife.com/articles/life-insurance-for-families (newyorklife.com, retrieved 2026-11-05)
- MassMutual — https://www.massmutual.com/insurance/life-insurance/term-life (massmutual.com, retrieved 2026-11-05)
- Prudential (US, Prudential Financial) — https://www.prudential.com/personal/life-insurance/life-insurance-quotes (prudential.com, retrieved 2026-11-05)
- State Farm — https://www.statefarm.com/insurance/quotes (statefarm.com, retrieved 2026-11-05)
- Guardian (Guardian Life, US) — https://www.guardianlife.com/life-insurance/ (guardianlife.com, retrieved 2026-11-05)
- Pacific Life — https://www.pacificlife.com/home/individuals/life-insurance/universal-life-insurance.html (pacificlife.com, retrieved 2026-11-05)
- Lincoln Financial — https://www.lincolnfinancial.com/public/microsite/termlife/termaccel (lincolnfinancial.com, retrieved 2026-11-05)
Eligibility and footprint warnings
- Pacific Life is licensed in all states except New York, and its features vary by state; its quote route is a local financial professional, not an online quote.
- Lincoln Financial's consumer route is to find a financial professional; the linked page is an advisor microsite, not a consumer quote link.
- Guardian's term calculator URL returned in the research carried agent parameters and is not published; only the clean product page is linked.
- New York Life's main products have no clean online quote URL verified; the separate AARP programme is not mixed with them here.
Use with our tools
Work out what you need before you shop, then compare like for like: Life needs calculator · Disability estimator · See also all tools and the comparison hub.
What this page is not: it is not a quote engine, it does not collect personal data, it does not rank companies as “best” or “cheapest”, and it carries no star ratings, testimonials or carrier logos. Any page that claims a single “best” company from this table is misreading it.
Disclosure
This comparison is educational only. Countrypilot.net is not an insurer, not a broker and not an agent for any company listed. Figures are carrier-published claims or examples as recorded on 2026-11-05, with their profile, date and source shown where they appear; they are not prices for you, and they may have changed since retrieval. The final price, eligibility and terms for any policy come only from the carrier or a licensed agent, and plan documents govern over any summary here. No company paid for placement, and no row is sponsored.