Allstate received 4.25 out of 5 stars in our ranking for the Best Life Insurance Companies of 2025. Customers reported high satisfaction with the insurer's customer service and billing process.
Kara McGinley has over 6 years of experience writing, editing, and reporting on insurance and the insurance industry. She's been a licensed property and casualty expert in New York since 2021. Kara has been featured in several national publications, including USA TODAY, MSN, LifeHacker, Kiplinger, PropertyCasualty360, Policygenius, Rental Housing Journal, and WRAL.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
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Allstate ranked No. 10 in our Best Life Insurance Companies of 2025. We gave the insurer 4.25 out of 5 stars overall. Most surveyed policyholders were satisfied with Allstate’s customer service, policy offerings, and billing process. Of the customers we surveyed, 89% said they plan to renew their policy with Allstate.
AM Best, a credit rating agency, gave the insurer an A (Excellent) for financial strength, the third-highest score possible. This implies that Allstate is financially sound; however, other companies in our analysis received higher AM Best scores. Allstate also had more complaints than other carriers, according to the National Association of Insurance Commissioners (NAIC), which logs complaints against insurers.
Below is Insure.com’s review of the company and its full line of life insurance products. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
Allstate scored well for customer satisfaction, with 84% of its customers in our survey giving it high marks. This puts Allstate in the upper half of companies on our list for this category.
Allstate was among the high scorers for ease of service in our survey, with 87% of customers reporting satisfaction. However, Guardian and Corebridge Direct led this category among the insurers featured in our best life insurance analysis.
A solid life insurance company provides multiple policy offerings so that you can tailor your life coverage to fit your needs. Of the customers we surveyed, 80% were satisfied with Allstate’s policy offerings. Guardian led in this category out of the 16 insurers on our list.
Allstate received an average score for trustworthiness in our analysis, with around 89% of surveyed customers saying they trust the company. Northwestern Mutual led this category with a score of 100%.
About 89% of surveyed customers said they plan to renew their life insurance policy with Allstate. While this is a high score, several insurers in our analysis scored higher — four companies received a score of 100%.
Allstate has been serving customers since 1931, first providing auto insurance for Studebakers during the Great Depression. They’ve grown into a highly regarded national company that offers a variety of life, auto and homeowners policies, among other services.
Note: Allstate is available in all 50 states and Washington, D.C. However, coverage and products may vary by location.
J.D. Power. “Individual Life Insurance Study” Accessed February 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (973 people with life insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their life insurer and then grade it in the following categories:
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For life insurers, we took the following and gave each a weight.
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.