Company reviews
IUL and Life Insurance Company Reviews
Plain-English reviews of the insurance companies behind today's indexed universal life policies: how strong they are, how they treat existing policyholders and who each one fits.
Allianz LifeAn A+ rated, German-owned annuity giant with a single IUL built for accumulation.AM Best A+
CorebridgeThe former AIG life business: two IULs, an A rating under review, and a pending Equitable merger.AM Best A
EquitableA 167-year-old insurer with one IUL, ratings on watch during its Corebridge merger, and a settled cost of insurance fight.AM Best A
F&GAn A-rated IUL carrier that publishes its own cap history, owned mostly by Fidelity National Financial.AM Best A
Global AtlanticA KKR-owned, A-rated insurer that stopped selling IUL in 2023. This page is for owners of the policies it still services.AM Best A
John HancockA highly rated Manulife carrier whose IULs are sold with the Vitality wellness program.AM Best A+
Lincoln FinancialA-rated and rebuilding capital, with a new IUL lineup and a long cost of insurance court record.AM Best A
Midland NationalAn A+ rated Sammons insurer with three IULs, a public rate page, and a live COI lawsuit.AM Best A+
Mutual of OmahaAn A+ rated, policyholder-owned group that publishes the caps it has credited on its IULs since 2016.AM Best A+
National Life GroupA big IUL seller, owned by a mutual holding company, known for living benefits built into its policies.AM Best A+
NationwideAn A+ rated mutual-owned giant that publishes its IUL rate guides and says it has never raised in-force COI rates.AM Best A+
North AmericanAn A+ rated Sammons carrier with three IULs, each built for a different job.AM Best A+
Pacific LifeRanked first in LIMRA's 2025 U.S. life insurance sales survey, with four IULs and a record worth reading.AM Best A+
Penn MutualA policyholder-owned carrier with elite ratings and three S&P 500-only IULs.AM Best A+
PrincipalAn A+ rated insurer that now sells its two IULs to business owners and executives, not the retail market.AM Best A+
Protective LifeA highly rated Dai-ichi subsidiary whose one IUL is no longer sold to new buyers.AM Best A+
PrudentialAn A+ rated giant whose three IULs are a small slice of a life business built mostly on variable life.AM Best A+
Securian FinancialA mutual-holding-company insurer with top-tier ratings and three Eclipse IULs.AM Best A+
SymetraA Sumitomo Life-owned carrier with three IULs and ten index strategies on its flagship.AM Best A
TransamericaAn A rated Aegon carrier with two main IULs and a long record of rate-increase lawsuits.AM Best AYour quote
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