Best Life Insurance Companies That Cover People in All States (2021)
State laws will impact your life insurance policy, so it's important to find life insurance companies that cover people in all states. When it comes to finding the best life insurance companies that cover people in all 50 states, USAA and Mutual of Omaha life insurance offer the best rates on term life insurance. If you need a permanent policy, Ameritas, American National, and Prudential life insurance might be the best choice for you.
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UPDATED: Dec 14, 2021
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- State insurance laws affect who you can name as your death beneficiary and when death benefits are paid out
- If you move or travel a lot, shopping for coverage from life insurance companies that cover people in all states is in your best interest
- The best life insurance companies that cover people in all 50 states are Mutual of Omaha, USAA, and Prudential life insurance
Not every life insurance company is the same, and your family’s unique needs will influence which company and policy you choose.
If you often move or regularly travel throughout the United States, you may want to compare life insurance companies that cover people in all states.
State laws impact your life insurance. Your life insurance rates may not change, but how you pay your premiums might be different.
Specific life insurance policies are also not available in every state, and laws regarding who can be a beneficiary and how death benefits are received vary.
To guarantee that your life insurance policy remains as consistent as possible, compare quotes from affordable life insurance companies that cover people in all states. Enter your ZIP code above to get free life insurance quotes from local companies today.
What are the best life insurance companies that cover people in all 50 states?
Don’t assume that the provider with the largest market share is automatically available in your state. The life insurance companies that don’t cover people in all states are some of the biggest names in the business.
It’s essential to do your research and determine the right national life insurance company for you.
Take a look at the table below for a list of life insurance companies that cover people in all states:
|Life Insurance Company||A.M. Best Rating||Life Insurance Policy Types||Monthly 20-Year Term Life Insurance Rates with $250,000 Benefit|
|Aflac||A+||Term Life, Guaranteed-Issue, Juvenile Whole Life||✗|
|Allianz||A+||Fixed Index Universal Life, Term Life||✗|
|Allstate||A+||Term Life, Universal Life, Whole Life, Variable Universal Life||$20|
|American National||A||Term Life, Whole Life, Universal Life, Indexed Universal Life, Guaranteed Universal Life||$13|
|Ameritas||A||Term Life, Whole Life, Universal Life, Index Universal Life, Variable Universal Life||✗|
|Bankers Life||B++||Term Life, Whole Life, Universal Life, Juvenile Whole Life||✗|
|Farmers||A||Term Life, Whole Life, Universal Life, Accidental Death||$22|
|Gerber Life||A+||Term Life, Whole Life, Guaranteed Life, Gerber Life Grow-Up Plan||✗|
|Globe Life||A||Term Life, Whole Life, Final Expense, Guaranteed Life, Accidental Death, Mortgage Protection||✗|
|Guardian Life||A++||Term Life, Whole Life, Universal Life, Group Life||$23|
|Mutual of Omaha||A+||Term Life, Whole Life, Universal Life, Accidental Death||$13|
|New York Life||A++||Term Life, Whole Life, Universal Life, Variable Universal Life||✗|
|Prudential||A+||Term Life, Universal Life, Indexed Universal Life, Variable Universal Life||$19|
|USAA||A++||Term Life, Whole Life, Guaranteed Whole Life, Universal Life||$12|
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We’ve included each company’s A.M. Best rating, a list of life insurance products offered by each company, and the average term life insurance rates when available to help you compare before you buy life insurance.
These companies are available in all 50 states and have the financial strength to pay out to your beneficiaries. However, not every company offers the same type of life insurance policy.
For example, MetLife is only available as a group life insurance plan sold through employers. At the same time, Guardian Life offers group plans and individual term and permanent life insurance policies.
Which is the best company to buy term life insurance?
That depends on your budget, coverage needs, and health. USAA and Mutual of Omaha life insurance offer the cheapest average rates for a 20-year term life insurance plan, but USAA life insurance is only available to active military members, veterans, and their families.
If you’re shopping for permanent life insurance, Ameritas, American National, and Prudential life insurance might be the best companies for you.
They offer a wide variety of permanent life insurance policies, including universal and whole life insurance options that may better fit your coverage needs.
Are you looking for life insurance plans for children from life insurance companies that cover people in all states? Consider Aflac or Bankers Life insurance as these providers offer juvenile whole life insurance policies.
Gerber Life also provides a policy that caters specifically to children with the Gerber Grow-Up Plan, a permanent life insurance policy that provides death benefits and investment opportunities.
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Why do life insurance policies differ in every state?
Life insurance availability varies across the country because state insurance laws mandate how insurance companies can operate, including paying out death benefits and to whom.
For example, beneficiary age requirements vary by state and can hinder your final wishes if you name your child as your beneficiary.
While most states allow beneficiaries at least 18 years of age to collect death benefits, Alabama and Nebraska state insurance laws require beneficiaries to be 19. In Mississippi, the age requirement is 21.
Some states also operate under community property laws, which require that you name your spouse or domestic partner as your life insurance beneficiary unless they sign a waiver allowing you to name someone else.
If you want to name a friend or another family member as your beneficiary, research your state laws before buying life insurance.
Curious about your state life insurance laws? The National Organization of Life and Health Insurance Guaranty Association lists each state’s insurance laws and provisions.
What are the different types of life insurance?
Life insurance companies that accept people in all states offer a wide array of policy types. These vary due to the size of the companies and the risk they are willing to underwrite.
Term life insurance is less risky than a permanent life insurance policy, which is why every company offers term life on our list above.
Term life insurance has its perks for policyholders, but compare the following types of life insurance policies below before you buy to guarantee you have the right level of coverage for your family:
- Term Life Insurance: Term policies provide coverage for a duration specified in the policy, usually 10-50 years, depending on the company. Term life insurance rates are cheaper than whole life, but you lose your death benefits if you outlive your term and must buy a new policy.
- Whole Life Insurance: Whole life is a form of permanent life insurance that is not subject to term agreements. You must pay your premiums regularly or risk losing coverage.
- Universal Life Insurance: Universal life is an adjustable whole life insurance policy that allows you to change your death benefit and premium amounts over time, given that you have invested enough in your policy and paid your bills on time.
- Variable Life Insurance: Variable life is a combination of life insurance and an investment account. You can invest your policy in stocks or mutual funds to earn more money, but you are subject to the risks of a fluctuating market.
- Variable-Universal Life Insurance: This hybrid policy gives you the ability to invest your premiums in the stock market while also have the option of changing your death benefits and premium payments over time.
- Indexed Universal Life Insurance: This policy provides all the benefits of a variable-universal policy without the investment risks. You earn a rate of return on your policy that changes with the S&P 500, and most companies provide a minimum guaranteed rate to protect policyholders.
- Guaranteed Universal Life Insurance: This policy’s death benefits and premiums will not change over time, but you are guaranteed lifelong protection unless you miss a monthly payment.
Not all policy types are available from life insurance companies that accept people in all states, so it’s up to you to determine which company and which policy is right for you.
We recommend comparing quotes from at least three different companies before you buy, so you know you’re getting a fair price.
If you’re ready to buy life insurance from companies that accept people in all states, enter your ZIP code below to get free life insurance quotes from the providers in your area.