Our Life Insurance Review Methodology
How TermHaven evaluates life insurance companies: our rating criteria, research process, and editorial independence standards.
No Pay-to-Play
We never accept payment to change ratings.
Real Testing
Every product is personally evaluated by our team.
Always Updated
We refresh reviews when products change.
How We Review Life Insurance Companies
Rating Framework
1. Financial Strength (25%) — AM Best, S&P, and Moody's ratings weighted together. We only recommend companies with AM Best A- or higher.
2. Policy Value & Pricing (25%) — Real sample quotes for a 35-year-old non-smoker ($500K / 20-year term) compared across age brackets and health classifications.
3. Application Process (20%) — No-exam availability, underwriting speed, and digital application quality.
4. Claims Experience (15%) — NAIC complaint ratio, J.D. Power scores, and real customer reviews analyzed for claim denial patterns.
5. Policy Features & Riders (15%) — Conversion options, accelerated death benefit, return of premium, and rider flexibility.
Editorial Independence
TermHaven earns referral fees from insurance companies. Our ratings are determined entirely by the criteria above.
Important: Life insurance recommendations are informational only. Consult a licensed insurance professional.
Last updated: April 2026
Last updated April 11, 2026