What Are The Best Whole Life Insurance Companies? 
Great question ! First I must say that I 'm a proponent of Whole Life insurance mainly because it is permanent , has a guaranteed level premium , a guaranteed death benefit , and grows cash value tax-free that is available to the owner for a number of beneficial strategies . That said the Mutual insurance companies are the best - opposed to the vast majority which are stock companies . Then consideration must be given to the strength of the company along with the history and proven payment record . There are independent rating companies the look at those things and give rating scores to all the insurance companies . Those rating companies are : AM Best , Standard & Poor , Weiss , Fitch , and the Comdex . The Mutual Insurance companies that regularly receive the highest ratings and have been around the longest are : NY Life , Mass Mutual , and The Guardian . They are all great companies with terrific products and are very competitive as far as premiums . Mass Mutual pays the highest dividends . 