5 Best Life Insurance Companies

2. Guardian Life

Number of Positive Ratings: 3

Average Score: 4.6

AM Best Grade: A++

Guardian Life is a dividend-paying life insurance company that sells term, whole and universal life insurance policies. Bankrate describes it as one of the best companies for life insurance without a medical examination. 

It is also known for being among the top insurance companies in the US that offers the most term-life riders. Another advantage for the company is that it has fewer than baseline complaints from policyholders as per National Association of Insurance Commissioners.