Best Life Insurance in Texas
164 life insurers ranked by formal complaint rates filed with state regulators. Lower complaints = better claims experience.
When policyholders and their families in Texas file a claim, often at the worst possible time, the experience varies widely from one company to the next. The 164 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 164 graded companies, the breakdown is 67 A grades, 53 B grades, 38 C grades, 5 D grades, and 1 F grade. AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS, AMERICAN UNITED LIFE INSURANCE COMPANY, and AMERICAN-AMICABLE LIFE INSURANCE COMPANY OF TEXAS post the strongest claims records in Texas, 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 NATIONAL LIFE INSURANCE COMPANY OF TEXAS
Data from 2 states
AMERICAN UNITED LIFE INSURANCE COMPANY
Data from 4 states
AMERICAN-AMICABLE LIFE INSURANCE COMPANY OF TEXAS
Data from 2 states
COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY
Data from 5 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
EQUITRUST LIFE INSURANCE COMPANY
Data from 4 states
EVERLAKE ASSURANCE COMPANY
Data from 5 states
FAMILY LIFE INSURANCE COMPANY
Data from 4 states
FIRST PENN-PACIFIC LIFE INSURANCE COMPANY
Data from 2 states
FREEDOM LIFE INSURANCE COMPANY OF AMERICA
Data from 4 states
GREAT SOUTHERN LIFE INSURANCE COMPANY
Data from 4 states
GUARANTEE TRUST LIFE INSURANCE COMPANY
Data from 4 states
IBEXIS LIFE AND ANNUITY INSURANCE COMPANY
Data from 3 states
INTEGRITY LIFE INSURANCE COMPANY
Data from 3 states
INVESTORS HERITAGE LIFE INSURANCE COMPANY
Data from 4 states
LIBERTY NATIONAL LIFE INSURANCE COMPANY
Data from 4 states
LIFE INSURANCE COMPANY OF NORTH AMERICA
Data from 2 states
LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK
Data from 4 states
MASSMUTUAL ASCEND LIFE INSURANCE COMPANY
Data from 4 states
MIDWESTERN UNITED LIFE INSURANCE COMPANY
Data from 3 states
MONY LIFE INSURANCE COMPANY
Data from 4 states
NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE
Data from 3 states
OCEANVIEW LIFE AND ANNUITY COMPANY
Data from 2 states
OXFORD LIFE INSURANCE COMPANY
Data from 4 states
PAN-AMERICAN ASSURANCE COMPANY
Data from 2 states
PAN-AMERICAN LIFE INSURANCE COMPANY
Data from 2 states
PLATEAU INSURANCE COMPANY
Data from 3 states
PRINCIPAL LIFE INSURANCE COMPANY
Data from 4 states
RELIABLE LIFE INSURANCE COMPANY (THE)
Data from 2 states
RELIANCE STANDARD LIFE INSURANCE COMPANY
Data from 3 states
RIVERSOURCE LIFE INSURANCE COMPANY
Data from 4 states
SAVINGS BANK MUTUAL LIFE INSURANCE COMPANY OF MASSACHUSETTS (THE)
Data from 2 states
SHENANDOAH LIFE INSURANCE COMPANY
Data from 4 states
STANDARD INSURANCE COMPANY
Data from 3 states
NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY (THE)
Data from 7 states
SURETY LIFE INSURANCE COMPANY
Data from 4 states
Pruco Life Insurance Company
Data from 2 states
TEXAS LIFE INSURANCE COMPANY
Data from 3 states
THE PENN MUTUAL LIFE INSURANCE COMPANY
Data from 5 states
TIER ONE INSURANCE COMPANY
Data from 4 states
TRANS WORLD ASSURANCE COMPANY
Data from 4 states
TRUSPIRE RETIREMENT INSURANCE COMPANY
Data from 3 states
UNITED AMERICAN INSURANCE COMPANY
Data from 4 states
WOODMEN OF THE WORLD LIFE INSURANCE SOCIETY
Data from 2 states
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
Data from 7 states
AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY
Data from 3 states
AMERITAS LIFE INSURANCE CORPORATION
Data from 5 states
C. M. LIFE INSURANCE COMPANY
Data from 4 states
DELAWARE LIFE INSURANCE COMPANY
Data from 3 states
EQUITABLE FINANCIAL LIFE AND ANNUITY COMPANY
Data from 4 states
FIRST ALLMERICA FINANCIAL LIFE INSURANCE COMPANY
Data from 4 states
INVESTORS LIFE INSURANCE COMPANY OF NORTH AMERICA
Data from 4 states
LIFESECURE INSURANCE COMPANY
Data from 3 states
MEMBERS LIFE INSURANCE COMPANY
Data from 4 states
NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY
Data from 5 states
NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION
Data from 5 states
SENTINEL AMERICAN LIFE INSURANCE COMPANY
Data from 2 states
SOUTHERN FARM BUREAU LIFE INSURANCE COMPANY
Data from 2 states
USAA LIFE INSURANCE COMPANY
Data from 5 states
United Insurance Company of America
Data from 6 states
S.USA LIFE INSURANCE COMPANY
Data from 3 states
VARIABLE ANNUITY LIFE INSURANCE COMPANY
Data from 2 states
Voya Retirement Insurance and Annuity Company
Data from 4 states
STATE MUTUAL INSURANCE COMPANY
Data from 3 states
SENTINEL SECURITY LIFE INSURANCE COMPANY
Data from 3 states
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Data from 6 states
AMERICAN HERITAGE LIFE INSURANCE COMPANY
Data from 4 states
BANNER LIFE INSURANCE COMPANY
Data from 5 states
CICA LIFE INSURANCE COMPANY OF AMERICA
Data from 4 states
FORETHOUGHT LIFE INSURANCE COMPANY
Data from 4 states
GERBER LIFE INSURANCE COMPANY
Data from 5 states
GUARANTY INCOME LIFE INSURANCE COMPANY
Data from 3 states
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
Data from 3 states
LIFE INSURANCE COMPANY OF THE SOUTHWEST
Data from 3 states
LIFESHIELD NATIONAL INSURANCE COMPANY.
Data from 4 states
LINCOLN BENEFIT LIFE COMPANY
Data from 5 states
LUMICO LIFE INSURANCE COMPANY
Data from 4 states
MADISON NATIONAL LIFE INSURANCE COMPANY
Data from 4 states
NATIONAL GUARDIAN LIFE INSURANCE COMPANY
Data from 4 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
PIONEER SECURITY LIFE INSURANCE COMPANY
Data from 4 states
RELIASTAR LIFE INSURANCE COMPANY
Data from 6 states
SECURIAN LIFE INSURANCE COMPANY
Data from 5 states
SENIOR LIFE INSURANCE COMPANY
Data from 4 states
United of Omaha Life Insurance Company
Data from 7 states
Talcott Resolution Life and Annuity Insurance Company
Data from 3 states
Pacific Life Insurance Company
Data from 7 states
UNIFIED LIFE INSURANCE COMPANY
Data from 3 states
State Farm Life Insurance Company
Data from 7 states
Knights of Columbus
Data from 5 states
UNITY FINANCIAL LIFE INSURANCE COMPANY
Data from 4 states
UNUM LIFE INSURANCE COMPANY OF AMERICA
Data from 5 states
WESTERN AND SOUTHERN LIFE INSURANCE COMPANY (THE)
Data from 3 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
TIAA-CREF LIFE INSURANCE COMPANY
Data from 5 states
Minnesota Life Insurance Company
Data from 5 states
AMERICAN CONTINENTAL INSURANCE COMPANY
Data from 3 states
ATLANTIC COAST LIFE INSURANCE COMPANY
Data from 3 states
BALTIMORE LIFE INSURANCE COMPANY (THE)
Data from 4 states
CONTINENTAL LIFE INSURANCE COMPANY OF BRENTWOOD, TENNESSEE
Data from 4 states
DEARBORN LIFE INSURANCE COMPANY
Data from 4 states
GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
Data from 5 states
GOVERNMENT PERSONNEL MUTUAL LIFE INSURANCE COMPANY
Data from 4 states
GREAT WESTERN INSURANCE COMPANY
Data from 4 states
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE)
Data from 5 states
MANHATTANLIFE INSURANCE AND ANNUITY COMPANY
Data from 4 states
NASSAU LIFE AND ANNUITY COMPANY
Data from 4 states
SECURITY BENEFIT LIFE INSURANCE COMPANY
Data from 4 states
AMERICAN HOME LIFE INSURANCE COMPANY, THE
Data from 3 states
CHESAPEAKE LIFE INSURANCE COMPANY (THE)
Data from 4 states
MANHATTAN LIFE INSURANCE COMPANY (THE)
Data from 3 states
THE OHIO STATE LIFE INSURANCE COMPANY
Data from 4 states
WEST COAST LIFE INSURANCE COMPANY
Data from 4 states
VENERABLE INSURANCE AND ANNUITY COMPANY
Data from 3 states
ACCORDIA LIFE AND ANNUITY COMPANY
Data from 2 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
AMERICAN NATIONAL INSURANCE COMPANY
Data from 5 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
FARMERS NEW WORLD LIFE INSURANCE COMPANY
Data from 6 states
FIDELITY AND GUARANTY LIFE INSURANCE COMPANY
Data from 6 states
Independent Order of Foresters, The
Data from 2 states
LIBERTY BANKERS LIFE INSURANCE COMPANY
Data from 4 states
MID-WEST NATIONAL LIFE INSURANCE COMPANY OF TENNESSEE
Data from 2 states
NASSAU LIFE INSURANCE COMPANY
Data from 4 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
TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA
Data from 2 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 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
Metropolitan Tower Life Insurance Company
Data from 6 states
NATIONAL WESTERN LIFE INSURANCE COMPANY
Data from 5 states
Protective Life Insurance Company
Data from 8 states
Washington National Insurance Company
Data from 5 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
PHL VARIABLE INSURANCE COMPANY
Data from 2 states
UNUM INSURANCE COMPANY
Data from 2 states
Wilcac Life Insurance Company
Data from 5 states
CONTINENTAL CASUALTY COMPANY
Data from 4 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