Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jun 6, 2022

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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The Facts of Life

  • USAA, Prudential, and Mutual of Omaha are the three insurance companies that cover people in all states
  • USAA is rated A++ by A.M. Best
  • Between the three insurance companies, there are six types of life insurance to choose from

Life insurance companies that cover people in all states are not very common.

It doesn’t affect your policy if you move once it’s issued, but some may prefer to deal with an insurance company that is able to serve you no matter where you go.

USAA Life Insurance, Prudential Life Insurance, and Mutual of Omaha Life Insurance all operate across the span of the United States. They are the best life insurance companies that cover people in all states. We’ll tell you more below.

It is not bad to be insured by a company that does not offer coverage in all 50 states since it doesn’t really affect the policy. However, if you want to be able to add coverage with your current company and you move a lot, it might matter to you.

Choose one of the best life insurance companies that cover people in all states. Enter your ZIP code and get a free quote today.

Best Nationwide Life Insurance Company

Of the three life insurance companies that offer services to everyone in the United States, USAA is the best life insurance company that covers people in all states. USAA offers multiple types of insurance, investments, banking, and other financial services.

It has the highest rating from A.M. Best at an A++. This means that USAA has a superior ability to meet its financial obligations.

The following are some reasons USAA Life Insurance company is the top company:

  • It is easy to get quotes online
  • It offers both term coverage and permanent life coverage
  • USAA has excellent ratings for financial strength
  • Life insurance products are available to the public, unlike other insurance products

Yes, even if you are not in the military, you can buy USAA life insurance.

Other Life Insurance Companies Available Nationwide

Prudential Life Insurance and Mutual of Omaha Life Insurance are the other two insurance companies that cover people in all states.

Prudential covers individuals, families, self-employed workers, the newly unemployed, and Medicare recipients. It services its clients through three main divisions: U.S. Retirement Solutions, Investment Management, and U.S. Individual Life & Group Insurance.

A.M. Best gives Prudential Life Insurance an A+ rating, and it’s also a top company for the following reasons:

  • You can get instant quotes for term life insurance online
  • They have many plans available
  • Multiple riders can be added to their policies

Mutual of Omaha Life Insurance insures people from the ages 0-85. It offers insurance, Medicare, and various financial services. It is a Fortune 500 company headquartered in Omaha, NE.

It is rated A+ by A.M. Best because of its excellent financial strength. It’s also easy to obtain a quote online, and you can apply for some term and whole life products with no medical exam.

 Mutual of Omaha Life InsuranceUSAA Life InsurancePrudential Life Insurance
Term Life XXX
Universal Life XX
Indexed Universal Life X
Variable Universal Life X
Whole Life XX
Accidental Death X
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Above you’ll see a comparison of which life insurance policy types are offered by each company. Most policy options will offer riders to add additional coverage and benefits to your life insurance choices. These additional benefits may add to your monthly premiums. When selecting a new life insurance policy, be sure to request quotes from several different insurance companies to compare rates.

Enter your ZIP code below to compare cheap life insurance rates.

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What types of life insurance are offered by these companies?

Between these three insurance companies, there are six different types of life insurance available: variable universal, whole life, accidental death, term life, universal life, and indexed universal.

Term life insurance is coverage that is temporary. This type of coverage guarantees payment of a stated death benefit if the covered person dies during the specified term.

Once the term has expired, the client has three different options. You can either renew the policy for another term, convert the policy to permanent if the company offers it, or allow the policy to terminate.

Universal life insurance covers a person for the duration of their life as long as they are paying their premiums. You are also required to fulfill any other requirements of your policy to maintain coverage.

Indexed universal life insurance offers a cash value component in addition to the death benefit. The cash value can earn interest based on a stock market index chosen by your insurer.

Variable universal life insurance has features that are enticing to customers: cash value, investment variety, flexible premium, and a flexible death benefit.

Whole life is the opposite of term life. While term life is temporary, whole life coverage is permanent. If you are covered with whole life insurance, you are covered for the duration of your life as long as rates are paid on time. There is also a cash value benefit that you can tap into during your lifetime.

Life insurance is something that everybody should have because it is in the best interest of not only yourself but your loved ones as well. Make sure you’re covered by the best. Enter your ZIP code and get a free quote today.