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.
#1 | Best Overall
Our Partner
Best for Instant Approval With No Medical Exams
- Permanent life insurance up to $1M with cash value growth.
- Tax-advantaged + safe from market downturns.
- Flexible premiums based on your growth goals.
Policy Amount$50k-$1M
Medical ExamNot Required
Policy TypesUniversal, Whole Life
#2
Our Partner
Best for flexible, comprehensive whole life policies
- Age Eligibility: Up to 90 years old
- Offers customizable coverage with dividend eligibility.
- Provides strong financial stability and reputation for reliability
The ranks shown are provided by a third party for the advertisers and are not on behalf of any particular product or its performance. Click here for additional details.
Policy AmountVaries by policy
Medical ExamRequired
Policy TypesTraditional Whole Life
#3
Our Partner
Best for long-term financial growth and protection
- Age eligibility: 18 to 85 years old
- Builds cash value with potential dividend payments
- Access to flexible policy loans and withdrawals
Policy AmountVaries by Policy
Medical ExamRequired
Policy TypesTraditional, Universal
#4
Our Partner
Best for streamlined online process
- Lifelong coverage with flexible premiums
- Grow tax-efficient wealth inside your life insurance policy that you could access while alive
- Adjust your death benefits and premiums to fit your evolving needs
Policy AmountVaries by policy
Medical ExamRequired
Policy TypesWhole, Universal
#1 | Best Overall
Our Partner
Best for Instant Approval With No Medical Exams
- Permanent life insurance up to $1M with cash value growth.
- Tax-advantaged + safe from market downturns.
- Flexible premiums based on your growth goals.
Policy Amount$50k-$1M
Medical ExamNot Required
Policy TypesUniversal, Whole Life
The ranks shown are provided by a third party for the advertisers and are not on behalf of any particular product or its performance. Click here for additional details.