7 best life insurance providersNew York Life: Best overall MassMutual: Best for financial stability Nationwide: Best for policy flexibility Prudential Financial: Best for core products and riders Lincoln Financial: Best for claims experience State Farm: Best for transparency John Hancock: Best for customer experience1. This means it hits all the right notes for what it offers in core life insurance products and riders, including term life insurance, universal life insurance, no-exam policies, and more. For example, term life insurance may make sense if:You only need life insurance for a specific period of time, such as during the years your children are growing upYou want lower premiumsHowever, permanent or whole life insurance may make sense if:You want life insurance throughout your lifeYou want to earn savings on your policyRelated: Term vs. whole life insurance: Which should you choose? The best life insurance providers include:New York Life: Best overallMassMutual: Best for financial stabilityNationwide: Best for policy flexibilityPrudential Financial: Best for core products and ridersLincoln Financial: Best for claims experienceState Farm: Best for transparencyJohn Hancock: Best for customer experienceWhat are the four types of life insurance? MethodologyWe compiled our list of the best life insurance providers by creating a rubric to compare countrywide life insurance companies.