State Farm is the No. 9 life insurance company for 2026. It earned a 4.40 out of 5, ranking highest for policy offerings and strong financial strength supported by a nationwide agent network.
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.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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State Farm is the No. 9 life insurance company in our 2026 ranking, and it’s a strong choice for consumers who want personalized guidance from local agents, solid financial strength, and well-structured term and permanent policy options.
We’re impressed with State Farm’s customer satisfaction scores, strong AM Best rating (A+), and consistently positive marks for policy offerings and ease of service. Its nationwide presence and agent-first model make it especially appealing for people who prefer in-person support over a fully digital purchase.
Below is our full review of State Farm, based on third-party metrics (AM Best, NAIC, survey data) and our in-depth survey of life insurance customers.
State Farm performs strongest in the everyday parts of owning a policy — understanding your coverage, getting help when needed, and handling billing or account updates. Customers say these pieces feel straightforward and well-supported, thanks in part to State Farm’s agent-driven model.
The strong policy offerings score indicates that buyers appreciate the range of products and the guidance they receive, which helps clarify and personalize the decision-making process.
Here’s how State Farm compares to competitors:
State Farm enjoys strong customer loyalty. Most people say they trust the company, feel comfortable recommending it, and plan to keep their policy long-term. These results suggest a company that makes customers feel supported and confident after they purchase coverage, which is often the deciding factor in whether people remain.
Here’s how State Farm compares to its competitors:
State Farm shows reliable performance across different life stages, which is especially important for an insurer with a strong national reach. Younger buyers appreciate the simplicity and guidance when buying their first policy. Middle-aged adults value the balance of cost, options, and long-term stability, although their satisfaction levels are relatively low. Seniors tend to focus on guaranteed coverage and financial strength, areas where State Farm performs consistently well.
Here’s how State Farm compares with its competitors:
State Farm offers a broad lineup of policy types with strong customization options:
State Farm offers limited no-exam options, typically for lower coverage amounts or specific permanent policies. Availability depends on age, overall health, and agent review.
Optional add-ons from State Farm include:
These riders enable buyers to tailor their policies to better meet future needs.
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You can reach State Farm through multiple channels:
Customer service is typically available 24/7 for billing and claims.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their life insurer and rated it on customer satisfaction, ease of service, policy offerings, billing, and their experience across different applicant types (seniors, middle-aged adults, young adults, people with pre-existing conditions, people who are overweight, and people who prefer no-exam coverage). We also asked whether they planned to keep their policy, would recommend their insurer, and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to determine each company’s final score:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance.