Sign inGet life insurance How we choose the best life insurance companies We use industry data, pricing from Policygenius carrier partners, and ratings from third parties like AM Best and J.D. Power to pick the best insurers on the market. Our independent recommendations will help you get life insurance coverage with confidence. [Read more about our reviews methodology](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#methodology-how-we-chose-the-best-life-insurance-companies-of-2023) The [best life insurance company](https://www.policygenius.com/life-insurance/life-insurance-quotes/) for you depends on a number of factors, including your age, gender, overall health profile, and financial needs. To help you find the best life insurance for your particular situation, we selected the 10 top insurance companies on the market. ## Our top picks for the best life insurance companies ### Methodology How we ranked the top insurers Our recommendations are based on internal and external expert analysis, as well as our [Policygenius Life Insurance Price Index](https://www.policygenius.com/life-insurance/life-insurance-price-index/), which uses real-time data from leading life insurance companies to determine pricing trends. When reviewing a life insurance company, our [editorial team](https://www.policygenius.com/about/editorial-standards/#editorial-leadership) uses a proprietary scoring rubric with five factors — price, policy details, financial strength, transparency, and customer experience — to assign an unbiased rating between one and five stars. These ratings are also taken into consideration as part of our company recommendations. We don’t get paid for our reviews. Our evidence-based reviews and recommendations can help you find a reliable insurer for your family’s financial protection, but the best life insurance company for you depends on multiple factors. A licensed agent at Policygenius can support you during the application process to ensure you get the right life insurance coverage for your circumstances at the most affordable price. At Policygenius, our experts are licensed in all 50 states and can walk you through the entire life insurance buying process while offering transparent, unbiased advice. [Read more about our reviews methodology](https://www.policygenius.com/life-insurance/reviews/methodology/) | Company | Policies offered | Cost | Policygenius rating | | | --- | --- | --- | --- | --- | | [The Banner Life family of companies](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#banner-life-insurance-company-and-william-penn-life-insurance-company-of-new-york) | Term life, no-exam term life, universal | $ | 4.9/5 ★ | Get a free quote | | [MassMutual](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#massmutual) | Whole life, term life, universal, VUL | $$$ | 4.9/5 ★ | Get a free quote | | [Lincoln Financial](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#lincoln-financial) | Term life, IUL, VUL | $ | 4.8/5 ★ | Get a free quote | | [Pacific Life](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#pacific-life) | Term life, no-exam term life, universal, IUL, VUL | $ | 4.8/5 ★ | Get a free quote | | [Corebridge Financial](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#corebridge-financial) | Term life, whole life, universal, guaranteed issue | $ | 4.6/5 ★ | Get a free quote | | [Mutual of Omaha](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#mutual-of-omaha) | Term life, no-exam term life, final expense, universal, IUL | $$ | 4.5/5 ★ | Get a free quote | | [Foresters Financial](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#foresters-financial) | Term life, no-exam term life, whole life, universal | $$ | 4.3/5 ★ | Get a free quote | | [Transamerica](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#transamerica) | Term life, no-exam term life, whole life, IUL, final expense | $ | 4.3/5 ★ | Get a free quote | | [Prudential](https://www.policygenius.com/life-insurance/best-life-insurance-companies/#prudential) | Term life, no-exam term life, short-term life, universal, IUL | $$ | 4.1/5 ★ | Get a free quote | Expand table How much does life insurance cost? Age Gender SelectFM ZIP code Policy length How long your coverage lasts. Rule of thumb: Your term should last at least until you retire, and should also cover your longest financial obligation (like a child's college costs). 10 yrs15 yrs20 yrs25 yrs30 yrs35 yrs40 yrs Coverage amount The amount your loved ones would receive if anything should happen to you before your policy expires. Rule of thumb: Most financial planners recommend an amount 10-15x your current income. $ 500K Monthly estimates for Life insurance rates are influenced by a number of factors, but your health has the biggest impact on the final cost. Best health $ -- Good health $ -- Average health $ -- Now compare quotes Powered by ## Best overall life insurance company: Banner Life Insurance Company and William Penn Life Insurance Company of New York 2026 Policygenius award winner Banner Life Insurance Company and William Penn Life Insurance Company of New York Policygenius rating Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details. 4.9 AM Best rating AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor). A+ Cost Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$). $$$$$ 30+ year termsAll 50 statesNo-medical-exam option Get quotesWhy we chose it The Banner Life family of companies has some of the longest term lengths — up to 40 years — and most competitive life insurance rates available, even for people with a history of medical conditions. Pros and cons ##### Pros - Competitive rates for a variety of health conditions - Fast instant-decision option for qualifying applicants - Variety of term lengths up to 40 years ##### Cons - Application underwriting can take longer than average - Does not have the most competitive rates for older applicants [Read our full Banner Life family of companies review](https://www.policygenius.com/life-insurance/reviews/banner-life-family-of-companies/) The Banner Life family of companies, which also does business as Banner Life and William Penn, offers some of the [cheapest life insurance](https://www.policygenius.com/life-insurance/cheap-life-insurance/) rates on the market regardless of your health profile. The company also provides some of the longest [term life insurance](https://www.policygenius.com/life-insurance/term-life-insurance/) terms on the market — up to 35 and [40 years](https://www.policygenius.com/life-insurance/40-year-term-life-insurance/). The Banner Life family of companies also offers the cheapest [rates to smokers](https://www.policygenius.com/life-insurance/smokers/), who usually have to pay two to three times more for life insurance than people who don’t use tobacco products. Plus, you’ll be able to apply for lower premiumsPremiumsYour premium is the amount you pay your insurance company to keep your coverage active. Premiums are typically paid monthly or annually. after one year if you quit smoking, whereas other insurers may not offer non-smoker rates for two years or more after you quit. ## Best for whole life insurance: MassMutual 2026 Policygenius award winner MassMutual Policygenius rating 4.9 AM Best rating AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor). A++ Cost $$$$$ All 50 states Get quotesWhy we chose it MassMutual’s whole life insurance plan provides a lifetime coverage option that builds cash value with the potential to earn dividends. Pros and cons ##### Pros - Strong financial stability & good customer satisfaction ratings - Higher potential for dividends for whole life policyholders than many competitors - Term coverage has strong conversion privileges to permanent coverage ##### Cons - High term life premiums [Read our full MassMutual review](https://www.policygenius.com/life-insurance/reviews/massmutual/) MassMutual is our top pick for whole life insuranceWhole life insuranceA type of permanent life insurance that never expires and has an investment component, called the cash value. The cash value grows typically grows at a fixed rate set by the insurer.. The company pays higher dividendsDividendsDividends are a return of premium payment, paid by the insurance company to certain policyholders if the company over-performs financially. to its [whole life](https://www.policygenius.com/life-insurance/whole-life-insurance/) policyholders than many competitors. It offers several additional permanent life insurance products as well, including [universal](https://www.policygenius.com/life-insurance/universal-life-insurance/) and [variable universal life insurance](https://www.policygenius.com/life-insurance/variable-universal-life-insurance/) policies. MassMutual has high customer experience ratings compared to other companies and consistently receives high third-party financial stability ratings, which is especially important when purchasing a lifelong policy. ## Best for 20-year term life insurance: Pacific Life 2026 Policygenius award winner Pacific Life Policygenius rating 4.8 AM Best rating AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor). A+ Cost $$$$$ All 50 statesNo-medical-exam option Get quotesWhy we chose it Pacific Life offers some of the lowest rates for term life insurance across age brackets. It also has the most competitive rates for many health conditions and builds. Pros and cons ##### Pros - Extremely affordable across age brackets - Affordable guaranteed universal life insurance option for people who need lifetime coverage - Favorable underwriting for many health conditions ##### Cons - Traditional term life not available in NY - May not be the best fit for active duty military, people who have a history of alcohol abuse, and people who have filed for bankruptcy [Read our full Pacific Life review](https://www.policygenius.com/life-insurance/reviews/pacific-life/) Parents of young children, people with long-term insurance needs, homeowners paying off a mortgage, or adults planning their retirement can all benefit from a [20-year term life insurance](https://www.policygenius.com/life-insurance/20-year-term-life-insurance/) policy — one of the most popular coverage options on the market. Pacific Life is our top pick for a 20-year term due to its flexible application guidelines for people with certain pre-existing conditions like [sleep apnea](https://www.policygenius.com/life-insurance/sleep-apnea/), and for affordable rates for older adults. ## Best for families: Transamerica Transamerica Policygenius rating 4.6 AM Best rating AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor). A Cost $$$$$ No-medical-exam option Get quotesWhy we chose it Transamerica is one of the oldest and largest life insurance companies, with over 12 million active accounts today. It offers affordable rates for almost every age, and you can even skip the medical exam if you fall under a certain age or coverage amount. Pros and cons ##### Pros - Competitive rates for term life insurance - No-medical-exam available for qualifying applicants, including smokers and people between 60 and 70, which is rare - One of the fastest turnaround times in the industry for traditionally underwritten term policies ##### Cons - Term life not available in New York - Not a good option for people with a history of cancer, alcohol abuse, or asthma [Read our full Transamerica review](https://www.policygenius.com/life-insurance/reviews/transamerica/) Transamerica is a highly rated company with a customizable [child rider](https://www.policygenius.com/life-insurance/how-do-child-riders-on-life-insurance-work/), which is an optional add-on that pays out a small death benefit if any of your children were to pass away while the policy is active. You can add anywhere between $1,000 and $99,000 of coverage to your policy for your children. Transamerica is also a good choice if you’re [applying for life insurance while pregnant](https://www.policygenius.com/life-insurance/life-insurance-and-pregnancy/). The insurer will let you submit your application at any stage of pregnancy as long as there are no complications — even if you’re pregnant with twins. Other insurance companies may postpone applications during the second or third trimester until after delivery. [Read more about family life insurance](https://www.policygenius.com/life-insurance/family-life-insurance/) ## Best for visa & green card holders: Transamerica Visa and green card holders in the United States are eligible for life insurance, but some insurers might be a better fit for them depending on their status and personal situation. Transamerica offers [coverage for non-US citizens](https://www.policygenius.com/life-insurance/non-united-states-citizens/) with a variety of different types of visas, as well as green card and conditional green card holders. Transamerica is also one of the only companies that doesn’t require a [Social Security number](https://www.policygenius.com/life-insurance/why-life-insurance-companies-ask-for-your-social-security-number/) to apply for coverage — although it does require a visa and any visa-related forms depending on your specific status. ## Best for seniors: Prudential 2026 Policygenius award winner Prudential Policygenius rating 4.1 AM Best rating AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor). A+ Cost $$$$$ No-medical-exam option Get quotesWhy we chose it With nearly four million policyholders and 150 years to its name, Prudential offers competitive coverage options for seniors, as well as people with some of the most common medical conditions, including asthma, depression, and fibromyalgia. Pros and cons ##### Pros - Good for people over 60 - More flexible income requirements than some other insurers - Considers applicants with a variety of immigration statuses (visas and green cards) ##### Cons - Younger applicants will likely find better prices elsewhere [Read our full Prudential review](https://www.policygenius.com/life-insurance/reviews/prudential/) The older you are, the higher your life insurance premiums are likely to be. But some insurers, like Prudential, can offer cheaper rates to [people age 60](https://www.policygenius.com/life-insurance/best-life-insurance-for-seniors/) and above than others. The company offers the most flexibility for people with health conditions associated with older age, like osteoporosis. It also offers more flexible income requirements than other insurers, making it easier for retirees to get the amount of coverage they need. ## Best for people with pre-existing conditions: Lincoln Financial 2026 Policygenius award winner Lincoln Financial Policygenius rating 4.8 AM Best rating AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor). A Cost $$$$$ No-medical-exam option Get quotesWhy we chose it Lincoln Financial offers a diverse array of life insurance policies, including competitive no-med and high-net-worth options. Pros and cons ##### Pros - Affordable rates - Good for many existing health conditions, including depression, stroke, and heart conditions - Good for marijuana users, including daily users ##### Cons - Term life not available in New York [Read our full Lincoln Financial review](https://www.policygenius.com/life-insurance/reviews/lincoln-financial/) Having a [pre-existing medical condition](https://www.policygenius.com/life-insurance/pre-existing-conditions/) likely won’t disqualify you from getting life insurance. Further, some companies might offer you better coverage than others depending on your specific condition. Lincoln Financial can offer better rates than other insurers to people with a wide array of pre-existing conditions, including [stroke](https://www.policygenius.com/life-insurance/stroke/), [depression](https://www.policygenius.com/life-insurance/mental-health/), and [heart conditions](https://www.policygenius.com/life-insurance/heart-conditions/). Across the board, Lincoln Financial’s rates are consistently lower than the industry standard for people in their 40s and 50s — ages where pre-existing conditions are more common. ## Best for final expense insurance: Mutual of Omaha Mutual of Omaha Policygenius rating 4.5 AM Best rating AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor). A+ Cost $$$$$ No-medical-exam option Get quotesWhy we chose it Mutual of Omaha is a reputable company that offers a variety of life insurance products — including a no-medical-exam option — so that you can select the type of life insurance that best suits your needs. Pros and cons ##### Pros - No-medical-exam options for older applicants - Strong financial and customer ratings ##### Cons - Policies are more expensive than average - Slow turnaround time [Read our full Mutual of Omaha review](https://www.policygenius.com/life-insurance/reviews/mutual-of-omaha/) [Final expense insurance](https://www.policygenius.com/life-insurance/final-expense-insurance/), also known as burial insurance, is a type of policy that doesn’t expire and is designed to provide a small coverage amount to cover end-of-life costs, like a funeral or medical bills. Our top pick for final expense coverage is Mutual of Omaha due to its variety of burial insurance options, including simplified issueSimplified issueSimplified issue life insurance is a type of life insurance that doesn’t require as many health qualifications or a medical exam to apply and guaranteed issueGuaranteed issueGuaranteed issue life insurance is a type of whole life insurance with near-certain approval rates and no medical requirements. life insurance. ## Best for living benefits: Foresters Financial Foresters Financial Policygenius rating 4.3 AM Best rating AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor). A Cost $$$$$ No-medical-exam option Get quotesWhy we chose it For people under age 55 and in relatively decent health, Foresters Financial's Your Term policy is a solid choice for a term life policy. You can get it without a medical exam and coverage can be offered within 24 hours. Pros and cons ##### Pros - Accelerated death benefit rider includes coverage for critical, chronic, and terminal illnesses - Includes several no-cost riders that aren’t available through other insurers, including Family Health Benefit Rider and Charity Benefit Provision - No-medical-exam option available for people up to age 55 ##### Cons - Not available in New York or Maine - People with complicated health histories will likely find their best rates elsewhere [Read our full Foresters Financial review](https://www.policygenius.com/life-insurance/reviews/foresters/) Foresters stands out because it offers many different [riders](https://www.policygenius.com/life-insurance/what-is-a-life-insurance-rider/) — policy add-ons that can supplement your coverage benefits under specific circumstances. The company is our top pick due to its [living benefits](https://www.policygenius.com/life-insurance/life-insurance-with-living-benefits/) riders included at no cost, which pay out if you’re diagnosed with a critical, chronic, or terminal illness. By comparison, most other insurers only include a terminal illness rider. Compare quotes from top insurers — for free Start calculator ## How to choose the right life insurance company for you The best insurer for you might not be the best insurer for someone else. Your age, health, and ultimate needs for coverage are some factors to consider when shopping for life insurance to make sure your policy is the best fit for you. “Selecting the best policy is like any other important purchase you make, you want to make sure that the life insurance company you select is the best option for your specific situation and needs,” says Christopher Galvez, licensed life insurance agent at Policygenius. “And that is exactly what we do for the families we serve on every single policy. We look at 10 to 12 different insurers and their different guidelines to advise where you will find the best fit. Finding the best policy and value has not been easier.” 1. Consider any health conditions Not all life insurance companies treat all health conditions the same way when it comes to setting rates. It’s important to consider your unique health profile when shopping for a policy because you could end up paying much cheaper premiums with one insurance company than another. 2. Consider your age Age is one of the biggest factors that influence your life insurance rates. Age can also impact what [types of life insurance](https://www.policygenius.com/life-insurance/types-of-life-insurance/) options are available to you because we all become riskier to insure as we get older. For example, no-medical-exam options for seniors can be limited because insurance companies want to minimize risk. 3. Explore policy options & ridersRiders are policy add-ons that offer supplemental coverage under special circumstances — for example, if you’re diagnosed with a [critical illness](https://www.policygenius.com/life-insurance/critical-illness-rider/) or if you want to extend coverage to a family member, like a child or your spouse. But not all riders are cost-efficient and not all policies offer every type of rider, so working with a non-commissioned agent or independent broker can be helpful if you’re considering which riders might be useful for you, if any. 4. Consider the company’s financial strength Arguably the most important piece of choosing your life insurance company is knowing that they’ll be around and able to pay the proceeds to your loved ones if you should pass away. Applying with a company that has strong [financial ratings](https://www.policygenius.com/life-insurance/reviews/methodology/) will help ensure this. That doesn’t necessarily mean choosing the [biggest life insurance company](https://www.policygenius.com/life-insurance/biggest-life-insurance-companies/), though larger insurers tend to have bigger cash reserves. 5. Consider customer satisfaction Over the lifetime of your policy, you might need to change payment frequency, a beneficiary, or a number of other details on your paperwork. It’s important to have resources for customer service to make sure you’re up-to-date with your policy. A company with strong customer satisfaction ratings can benefit you in this way. This is another reason why working with an independent broker like Policygenius can help you get access to support for the entire duration of your policy — not just when you apply. → Learn more about how to find the best life insurance policy for you ## Explore the best life insurance companies in your area Find the best life insurance companies in your state - [Best life insurance companies in Alabama](https://www.policygenius.com/life-insurance/alabama/) - [Best life insurance companies in Arizona](https://www.policygenius.com/life-insurance/arizona/) - [Best life insurance companies in Arkansas](https://www.policygenius.com/life-insurance/arkansas/) - [Best life insurance companies in California](https://www.policygenius.com/life-insurance/california/) - [Best life insurance companies in Colorado](https://www.policygenius.com/life-insurance/colorado/) - [Best life insurance companies in Connecticut](https://www.policygenius.com/life-insurance/connecticut/) - [Best life insurance companies in Delaware](https://www.policygenius.com/life-insurance/delaware/) - [Best life insurance companies in Florida](https://www.policygenius.com/life-insurance/florida/) - [Best life insurance companies in Georgia](https://www.policygenius.com/life-insurance/georgia/) - [Best life insurance companies in Hawaii](https://www.policygenius.com/life-insurance/hawaii/) - [Best life insurance companies in Illinois](https://www.policygenius.com/life-insurance/illinois/) - [Best life insurance companies in Indiana](https://www.policygenius.com/life-insurance/indiana/) - [Best life insurance companies in Kansas](https://www.policygenius.com/life-insurance/kansas/) - [Best life insurance companies in Kentucky](https://www.policygenius.com/life-insurance/kentucky/) - [Best life insurance companies in Louisiana](https://www.policygenius.com/life-insurance/louisiana/) - [Best life insurance companies in Maryland](https://www.policygenius.com/life-insurance/maryland/) - [Best life insurance companies in Massachusetts](https://www.policygenius.com/life-insurance/massachusetts/) - [Best life insurance companies in Michigan](https://www.policygenius.com/life-insurance/michigan/) - [Best life insurance companies in Minnesota](https://www.policygenius.com/life-insurance/minnesota/) - [Best life insurance companies in Mississippi](https://www.policygenius.com/life-insurance/mississippi/) - [Best life insurance companies in Missouri](https://www.policygenius.com/life-insurance/missouri/) - [Best life insurance companies in Nevada](https://www.policygenius.com/life-insurance/nevada/) - [Best life insurance companies in New Hampshire](https://www.policygenius.com/life-insurance/new-hampshire/) - [Best life insurance companies in New Jersey](https://www.policygenius.com/life-insurance/new-jersey/) - [Best life insurance companies in New York](https://www.policygenius.com/life-insurance/new-york/) - [Best life insurance companies in North Carolina](https://www.policygenius.com/life-insurance/north-carolina/) - [Best life insurance companies in Ohio](https://www.policygenius.com/life-insurance/ohio/) - [Best life insurance companies in Oklahoma](https://www.policygenius.com/life-insurance/oklahoma/) - [Best life insurance companies in Oregon](https://www.policygenius.com/life-insurance/oregon/) - [Best life insurance companies in Pennsylvania](https://www.policygenius.com/life-insurance/pennsylvania/) - [Best life insurance companies in South Carolina](https://www.policygenius.com/life-insurance/south-carolina/) - [Best life insurance companies in Tennessee](https://www.policygenius.com/life-insurance/tennessee/) - [Best life insurance companies in Texas](https://www.policygenius.com/life-insurance/texas/) - [Best life insurance companies in Utah](https://www.policygenius.com/life-insurance/utah/) - [Best life insurance companies in Vermont](https://www.policygenius.com/life-insurance/vermont/) - [Best life insurance companies in Virginia](https://www.policygenius.com/life-insurance/virginia/) - [Best life insurance companies in Washington](https://www.policygenius.com/life-insurance/washington/) - [Best life insurance companies in Wisconsin](https://www.policygenius.com/life-insurance/wisconsin/) Find the best life insurance companies in your city - [Best life insurance companies in Atlanta](https://www.policygenius.com/life-insurance/atlanta/) - [Best life insurance companies in Charlotte](https://www.policygenius.com/life-insurance/charlotte/) - [Best life insurance companies in Chicago](https://www.policygenius.com/life-insurance/chicago/) - [Best life insurance companies in Houston](https://www.policygenius.com/life-insurance/houston/) - [Best life insurance companies in Las Vegas](https://www.policygenius.com/life-insurance/las-vegas/) - [Best life insurance companies in Philadelphia](https://www.policygenius.com/life-insurance/philadelphia/) - [Best life insurance companies in San Francisco](https://www.policygenius.com/life-insurance/san-francisco/) Authors \\ \\ [Katherine Murbach](https://www.policygenius.com/author/katherine-murbach/) Editor & Licensed Life Insurance Agent Katherine Murbach is a licensed life insurance agent and a former life insurance and annuities editor and sales associate at Policygenius. Previously, she wrote about life and disability insurance for 1752 Financial, and advised over 1,500 clients on their life insurance policies as a sales associate. \\ \\ [Tory Crowley](https://www.policygenius.com/author/tory-crowley/) Associate Editor & Licensed Life Insurance Agent Tory Crowley is an associate life insurance and annuities editor and a licensed insurance agent at Policygenius. Previously, she worked directly with clients at Policygenius, advising nearly 3,000 of them on life insurance options. She has also worked at the Daily News and various nonprofit organizations. Editor \\ \\ [Antonio Ruiz-Camacho](https://www.policygenius.com/author/antonio-ruiz-camacho/) Associate Content Director Antonio is a former associate content director who helped lead our life insurance and annuities editorial team at Policygenius. Previously, he was a senior director of content at Bankrate and CreditCards.com, as well as a principal writer covering personal finance at CNET. Expert reviewer \\ \\ [Patrick Hanzel, CFP®](https://www.policygenius.com/author/patrick-hanzel/) Certified Financial Planner™ & Advanced Planning Manager Patrick Hanzel, CFP®, is a certified financial planner and former advanced planning manager at Policygenius. His expertise has been featured at Lifehacker, Consumer Affairs, Authority Magazine, Thrive Global, and Fatherly. Questions about this page? Email us at [editorial@policygenius.com](mailto:editorial@policygenius.com).