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4LifeInsurance is a search engine built specifically to help people find accurate, practical life insurance information, policy options, and provider details. We combine multiple indexes, proprietary ranking, and AI systems to present focused results for consumers, agents, and researchers. Use the site to compare quotes, read clear guides, explore policy types, find local agents, and stay informed about industry developments. Part of the 4SEARCH network of topic specific search engines.

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How much life insurance do you need?

A quick estimate from your income, debts and goals. Nothing you type leaves your browser.

Full calculator, every line item → · How to size coverage

Look up a life insurer

Contacts, ratings, products and news. All 100, ranked →

Is my policy protected?

Guaranty limits if an insurer fails, free-look periods and where to complain.

How long a term? Match the term to your mortgage and kids Life expectancy Odds of reaching 70, 80 and 90 Compare insurers Ratings and contacts side by side Find a lost policy Search for a policy someone left

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Guides

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Free life insurance tools

How much life insurance do I need? Add up income replacement, debts, college and final costs, subtract what you already have, and see how much coverage is left to buy. How long a term do I need? Enter when your children become independent, your mortgage ends and you retire. The tool finds the shortest standard term that outlasts them. Term life ladder builder List your financial obligations and when each ends. The tool stacks term policies so coverage steps down as the obligations disappear. Which type of life insurance fits me? Answer six questions about your goal, timeline, budget, health and age to see which kinds of life insurance are built for your situation. Life expectancy calculator Shows average remaining lifetime at your age and sex, and the chance of reaching 70, 80, 90 or 100, from the Social Security life table. Odds of outliving your term Shows the average chance, at your age and sex, of dying during a 10- to 40-year term, and of outliving it. Final expense and funeral cost calculator Totals funeral, cemetery, medical, debt and legal costs after a death, then subtracts money already set aside to show what is left to fund. Is my life insurance through work enough? Compares your workplace life insurance and personal policies with what your family needs, and shows what would remain if you left your job. Buy term and invest the difference calculator Compare a whole life premium with a term premium plus an investment account, and see the return the account needs to match the policy's cash value. Policy loan calculator Projects how a life insurance policy loan grows, how it cuts the death benefit, and the year it could overtake the policy's cash value. Annuity payout calculator Estimates monthly income from an immediate annuity, paid for a fixed period or for life on average U.S. mortality, to sanity-check real quotes. Estate tax exposure check Estimates 2026 federal estate tax on your assets and life insurance, and shows how much of it comes from policies you own.

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The largest life insurers

All 100, ranked →
# Insurer Market share (2024) AM Best Customer service
1 Northwestern MutualMutual life insurers 8.74% A++ (Superior) 866-950-4644
2 New York LifeMutual life insurers 5.80% A++ (Superior) 800-225-5695
3 MassMutualMutual life insurers 5.57% A++ (Superior) 800-272-2216
4 PrudentialShareholder-owned life insurers 5.11% A+ (Superior) 800-778-2255
5 Lincoln FinancialShareholder-owned life insurers 4.07% A (Excellent) 800-487-1485
6 State FarmP&C-affiliated life insurers 3.77% A+ (Superior) 800-782-8332
7 Protective LifeShareholder-owned life insurers 3.53% A+ (Superior) 800-866-9933
8 Pacific LifeMutual life insurers 3.31% A+ (Superior) 800-347-7787
9 John HancockShareholder-owned life insurers 3.17% A+ (Superior) 800-387-2747
10 TransamericaShareholder-owned life insurers 3.03% A (Excellent) 800-797-2643

Ranked by 2024 U.S. individual life insurance premiums (NAIC). Ratings are dated on each profile.

Life insurance by state

Protections in every state →

Term of the day

Indexed annuity A fixed annuity whose interest is tied to a market index's gains, limited by caps or participation rates, with a floor that shields it from index losses.

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Head to head

Guides

10-year term life insurance: who it suits The shortest common level term. It fits needs that end within a decade, such as a loan or the years before retirement, and rarely suits young families. Oct 4, 2026 1035 exchanges: swapping policies without tax Section 1035 lets you swap a life policy for another policy or an annuity without taxing the gain. What qualifies, what you can lose and how to do one right. Oct 4, 2026 20-year term life insurance explained A 20-year term fixes your premium for two decades, long enough to raise young children or cover most of a mortgage. How it works, who it fits and what to check. Oct 4, 2026 30-year term life insurance: pros and cons A 30-year term locks your price for three decades, matching a new mortgage or a newborn. The benefits, the costs, the age limits and when a ladder works better. Oct 4, 2026 AARP life insurance: how the New York Life program works AARP does not insure anyone. New York Life issues the term, permanent and guaranteed acceptance policies sold to members. What they offer and the catches. Oct 4, 2026 Accelerated death benefit riders: how they work and how they're taxed An accelerated death benefit rider pays part of a life policy's death benefit early to a terminally ill insured. How it's priced and taxed under IRC 101(g). Oct 4, 2026

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The Brief

One email a week: the four life insurance and annuity stories that mattered, rating and deal moves, one guide and one number.

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