Best Life Insurance in Michigan
70 life insurers ranked by formal complaint rates filed with state regulators. Lower complaints = better claims experience.
When policyholders and their families in Michigan file a claim, often at the worst possible time, the experience varies widely from one company to the next. The 70 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 70 graded companies, the breakdown is 16 A grades, 25 B grades, 24 C grades, 4 D grades, and 1 F grade. AMERICAN UNITED LIFE INSURANCE COMPANY, AUGUSTAR LIFE ASSURANCE CORPORATION, and COLUMBIAN LIFE INSURANCE COMPANY post the strongest claims records in Michigan, each drawing fewer complaints than the industry average. At the other end, AMERICO FINANCIAL LIFE AND ANNUITY INSURANCE COMPANY 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.
AMERICAN UNITED LIFE INSURANCE COMPANY
Data from 4 states
AUGUSTAR LIFE ASSURANCE CORPORATION
Data from 2 states
COLUMBIAN LIFE INSURANCE COMPANY
Data from 4 states
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
Data from 2 states
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY
Data from 5 states
GENWORTH LIFE INSURANCE COMPANY
Data from 4 states
LIFE INSURANCE COMPANY OF NORTH AMERICA
Data from 2 states
NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE
Data from 3 states
PAN-AMERICAN LIFE INSURANCE COMPANY
Data from 2 states
Pruco Life Insurance Company
Data from 4 states
RELIANCE STANDARD LIFE INSURANCE COMPANY
Data from 3 states
NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY (THE)
Data from 7 states
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
Data from 7 states
OCCIDENTAL LIFE INSURANCE COMPANY OF NORTH CAROLINA
Data from 4 states
United Insurance Company of America
Data from 6 states
S.USA LIFE INSURANCE COMPANY
Data from 3 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
LINCOLN BENEFIT LIFE COMPANY
Data from 5 states
NATIONAL LIFE INSURANCE COMPANY
Data from 4 states
OLD AMERICAN INSURANCE COMPANY
Data from 4 states
PHYSICIANS LIFE INSURANCE COMPANY
Data from 4 states
RELIASTAR LIFE INSURANCE COMPANY
Data from 6 states
SENIOR LIFE INSURANCE COMPANY
Data from 4 states
United of Omaha Life Insurance Company
Data from 7 states
TRUSTMARK INSURANCE COMPANY
Data from 4 states
U.S. FINANCIAL LIFE INSURANCE COMPANY
Data from 4 states
State Farm Life Insurance Company
Data from 7 states
UNUM LIFE INSURANCE COMPANY OF AMERICA
Data from 5 states
LAFAYETTE LIFE INSURANCE COMPANY (THE)
Data from 5 states
MIDLAND NATIONAL LIFE INSURANCE COMPANY
Data from 6 states
New York Life Insurance Company
Data from 8 states
TIAA-CREF LIFE INSURANCE COMPANY
Data from 5 states
COLUMBUS LIFE INSURANCE COMPANY
Data from 4 states
DEARBORN LIFE INSURANCE COMPANY
Data from 4 states
GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
Data from 5 states
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE)
Data from 5 states
KANSAS CITY LIFE INSURANCE COMPANY
Data from 4 states
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY
Data from 5 states
WEST COAST LIFE INSURANCE COMPANY
Data from 4 states
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Data from 3 states
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS
Data from 3 states
AMERICAN GENERAL LIFE INSURANCE COMPANY
Data from 4 states
ATHENE ANNUITY AND LIFE COMPANY
Data from 2 states
CMFG LIFE INSURANCE COMPANY
Data from 6 states
COLONIAL PENN LIFE INSURANCE COMPANY
Data from 5 states
Independent Order of Foresters, The
Data from 2 states
ROYAL NEIGHBORS OF AMERICA
Data from 4 states
SECURITY LIFE OF DENVER INSURANCE COMPANY
Data from 4 states
Primerica Life Insurance Company
Data from 7 states
AAA Life Insurance Company
Data from 6 states
AMERICAN MEMORIAL LIFE INSURANCE COMPANY
Data from 5 states
Brighthouse Life Insurance Company
Data from 7 states
Combined Insurance Company of America
Data from 6 states
Everlake Life Insurance Company
Data from 7 states
GLOBE LIFE AND ACCIDENT INSURANCE COMPANY
Data from 7 states
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY
Data from 6 states
Lincoln National Life Insurance Company, The
Data from 8 states
Metropolitan Life Insurance Company
Data from 7 states
Metropolitan Tower Life Insurance Company
Data from 6 states
WESTERN SOUTHERN LIFE ASSURANCE COMPANY
Data from 5 states
BANKERS LIFE AND CASUALTY COMPANY
Data from 6 states
Fidelity Life Association, A Legal Reserve Life Insurance Company
Data from 5 states
Wilcac Life Insurance Company
Data from 5 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
AMERICO FINANCIAL LIFE AND ANNUITY INSURANCE COMPANY
Data from 5 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