Who Is The Best Life Insurance Provider? 
I agree . The clients ' needs dictate which company is right/best for that particular client . If they want/need whole life , then you will direct them to one of the top mutual companies -LRB- Guardian , Mass Mutual , Northwestern Mutual , and New York Life -RRB- . Mutual companies pay dividends to their policy owners , since they are the owners of the company . They have great track records and are highly rated . If you are looking at Universal Life -LRB- UL -RRB- , then you have a whole universe of products and companies offering those products . You have Traditional UL , Variable UL , and Indexed UL , the newest of products . I look at companies/products that will provide a guaranteed death benefit , at least to life expectancy . I also stick with highly rated companies . Hope this helps . 