top 10 life insurance companies in the USA

---

1. Northwestern Mutual

• Popular Plan: Whole Life Insurance
  Offers lifelong coverage with cash value growth and dividend payouts.
• Features: Strong financial stability, customizable policies with living benefits.

---

2. New York Life

• Popular Plan: Custom Whole Life
  Combines permanent life insurance with flexible premium payments and cash value growth.
• Features: Dividend payouts, riders for enhanced protection.

---

3. MassMutual

• Popular Plan: MassMutual Whole Life
  Provides lifetime coverage with guaranteed cash value growth and annual dividends.
• Features: Options for loan access against cash value, term conversion.

---

4. State Farm

• Popular Plan: Select Term Life
  Affordable term life insurance for 10, 20, or 30 years with optional riders.
• Features: Flexible term lengths, convertible to permanent coverage.

---

5. Prudential

• Popular Plan: Term Essential
  A cost-effective term insurance plan offering coverage for a specific period.
• Features: Option to convert to permanent insurance, no medical exam for renewal.

---

6. Lincoln Financial Group

• Popular Plan: Lincoln LifeElements Level Term
  Offers level premium term insurance for 10 to 30 years with conversion options.
• Features: Competitive pricing, customizable riders.

---

7. John Hancock

• Popular Plan: Vitality Program with Term Life
  A term life plan that rewards healthy living with premium discounts and perks.
• Features: Fitness tracking benefits, wellness rewards.

---

8. Guardian Life

• Popular Plan: Guardian Level Term Life
  Provides straightforward term life coverage with competitive rates.
• Features: Convertible to permanent insurance, financial strength.

---

9. Pacific Life

• Popular Plan: Indexed Universal Life (IUL)
  Offers flexible premiums and cash value growth tied to market performance.
• Features: Lifetime protection, tax-deferred growth.

---

10. Mutual of Omaha

• Popular Plan: Living Promise Whole Life
  Designed for final expense coverage with guaranteed cash value and no medical exams.
• Features: Affordable premiums, simplified underwriting.

---