10 Best Whole Life Insurance in 2025
Looking for a whole life insurance policy that builds cash value and offers lifelong protection? Our expert-reviewed list ranks the best whole life insurance companies, covering both traditional whole life insurance with cash value growth and guaranteed issue life insurance for final expense needs. Compare policy riders, dividend potential, and coverage options to find the best fit for your goals.
Best Overall
Our Partner
Best for guaranteed issue whole life insurance
- Age Eligibility: 45 to 85
- No medical exams required for coverage approval.
- Fixed premiums that never increase over the life of the policy.
Policy AmountUp to $25k
Medical ExamNot required
Policy TypesGuaranteed Whole Life
#2
Our Partner
Best for flexible options for lifetime coverage
- Age Eligibility: Up to 80 years old
- Competitive pricing for high cash value growth.
- Includes guaranteed level premiums for peace of mind.
Policy AmountVaries by policy
Medical ExamVaries by policy
Policy TypesGuaranteed , Traditional
#3
Our Partner
Best for high cash value accumulation
- Age Eligibility: Up to 85 years old
- Strong focus on investment-backed whole life policies.
- Offers riders for added flexibility and financial security
Policy AmountVaries by policy
Medical ExamRequired
Policy TypesGuaranteed, Traditional
#4
Our Partner
Best for quick comparison of whole life options
- Age Eligibility: Up to 85 years old
- Allows easy comparison of policies from top-rated carriers
- Access to licensed agents to guide you through the process
Policy AmountVaries by policy
Medical ExamVaries by policy
Policy TypesGuaranteed, Traditional
#5
Our Partner
Best for cost-effective, long-term coverage
- Offers term and permanent life insurance through SelectQuote
- Policyholders may covert a term life policy to a permanent one without a medical exam
Policy Amount$100k+
Medical ExamRequired
Policy TypesTerm, Whole, Universal Life
Best Overall
Our Partner
Best for guaranteed issue whole life insurance
- Age Eligibility: 45 to 85
- No medical exams required for coverage approval.
- Fixed premiums that never increase over the life of the policy.
Policy AmountUp to $25k
Medical ExamNot required
Policy TypesGuaranteed Whole Life
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