Best Life Insurance in California
50 life insurers ranked by formal complaint rates filed with state regulators. Lower complaints = better claims experience.
When policyholders and their families in California file a claim, often at the worst possible time, the experience varies widely from one company to the next. The 50 life insurers ranked below are graded solely on formal complaints filed against them with state insurance regulators, not on price, advertising, or paid customer surveys. A higher grade means a company drew proportionally fewer complaints about claim delays, underpayments, and denials than its competitors.
Across the 50 graded companies, the breakdown is 15 A grades, 15 B grades, 16 C grades, 3 D grades, and 1 F grade. COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY, EQUITABLE FINANCIAL LIFE INSURANCE COMPANY, and EVERLAKE ASSURANCE COMPANY post the strongest claims records in California, each drawing fewer complaints than the industry average. At the other end, PRUDENTIAL INSURANCE COMPANY OF AMERICA (THE) and Transamerica Life Insurance Company draw complaints at well above the typical rate. Compare every rated insurer below before you buy or switch, and weigh these grades alongside price and coverage rather than in place of them.
COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY
Data from 5 states
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY
Data from 5 states
EVERLAKE ASSURANCE COMPANY
Data from 5 states
IA AMERICAN LIFE INSURANCE COMPANY
Data from 5 states
NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE
Data from 3 states
PRINCIPAL NATIONAL LIFE INSURANCE COMPANY
Data from 5 states
Pruco Life Insurance Company
Data from 4 states
NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY (THE)
Data from 7 states
TEXAS LIFE INSURANCE COMPANY
Data from 3 states
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
Data from 7 states
AMERITAS LIFE INSURANCE CORPORATION
Data from 5 states
NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY
Data from 5 states
NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION
Data from 5 states
USAA LIFE INSURANCE COMPANY
Data from 5 states
United Insurance Company of America
Data from 6 states
BANNER LIFE INSURANCE COMPANY
Data from 5 states
GERBER LIFE INSURANCE COMPANY
Data from 5 states
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
Data from 3 states
LIFE INSURANCE COMPANY OF THE SOUTHWEST
Data from 3 states
LINCOLN BENEFIT LIFE COMPANY
Data from 5 states
RELIASTAR LIFE INSURANCE COMPANY
Data from 6 states
United of Omaha Life Insurance Company
Data from 7 states
Pacific Life Insurance Company
Data from 7 states
State Farm Life Insurance Company
Data from 7 states
AMERICAN FIDELITY ASSURANCE COMPANY
Data from 6 states
MIDLAND NATIONAL LIFE INSURANCE COMPANY
Data from 6 states
New York Life Insurance Company
Data from 8 states
GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
Data from 5 states
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE)
Data from 5 states
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY
Data from 5 states
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS
Data from 3 states
AMERICAN GENERAL LIFE INSURANCE COMPANY
Data from 4 states
AMERICAN NATIONAL INSURANCE COMPANY
Data from 5 states
CMFG LIFE INSURANCE COMPANY
Data from 6 states
FARMERS NEW WORLD LIFE INSURANCE COMPANY
Data from 6 states
FIDELITY AND GUARANTY LIFE INSURANCE COMPANY
Data from 6 states
Primerica Life Insurance Company
Data from 7 states
AAA Life Insurance Company
Data from 6 states
Brighthouse Life Insurance Company
Data from 7 states
Everlake Life Insurance Company
Data from 7 states
GLOBE LIFE AND ACCIDENT INSURANCE COMPANY
Data from 7 states
Lincoln Heritage Life Insurance Company
Data from 7 states
Lincoln National Life Insurance Company, The
Data from 8 states
Metropolitan Life Insurance Company
Data from 7 states
Protective Life Insurance Company
Data from 8 states
BANKERS LIFE AND CASUALTY COMPANY
Data from 6 states
JACKSON NATIONAL LIFE INSURANCE COMPANY
Data from 6 states
American Income Life Insurance Company
Data from 7 states
PRUDENTIAL INSURANCE COMPANY OF AMERICA (THE)
Data from 7 states
Transamerica Life Insurance Company
Data from 8 states
About these rankings
Grades are based on formal complaint data filed with state insurance regulators. A companies receive far fewer complaints than the industry average; F companies receive far more. Many life insurers only appear in states that publish structured complaint data. See full methodology →
Grades are editorial opinions based on public data. Not insurance advice. Disclaimer