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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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

UPDATED: Nov 3, 2021

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The Facts of Life

  • Life insurance companies with permanent life insurance policies are better at covering everything
  • Whole life insurance rates are about $156/month for 25-year-old females
  • Life insurance riders can cover the gaps in coverage

Are you searching for life insurance companies that cover everything? The best life insurance companies provide policies that give you life insurance coverage and accumulated cash over time.

But did you know you can add extra perks to a life insurance policy? Don’t worry — we’re here to help.

Read our guide to explore various life insurance companies, life insurance that covers everything, and the average cost of whole life insurance.

After you learn everything about life insurance companies that cover everything, enter your ZIP code in the free online quote tool above to compare multiple companies in your area.

Which life insurance companies provide coverage for everything?

Life insurance companies that offer comprehensive coverage provide death benefits, an accumulated cash value, coverage for spouses and children, and coverage for events that aren’t usually covered.

To access these coverage options, you’ll need to choose the right company, policy, and life insurance riders.

But which companies have all of those options? Here’s a list of the top insurance companies that provide comprehensive life insurance.

  • Northwestern Mutual
  • Haven Life
  • State Farm
  • Banner Life
  • AIG
  • Principal
  • Pacific Life
  • TransAmerica
  • MetLife
  • Guardian Life
  • Nationwide
  • Primerica
  • MassMutual
  • New York Life
  • Allstate
  • John Hancock
  • USAA
  • Protective
  • Mutual of Omaha
  • Prudential

Each company on the list provides term life insurance and permanent life insurance policies. In addition to several policies, you can secure life insurance riders to cover areas that usually aren’t covered by life insurance.

Which life insurance companies don’t cover everything?

Smaller, regional-level life insurance companies that don’t cover everything usually focus on term life insurance. A comprehensive life insurance policy is expensive to maintain for policyholders and companies alike.

Local-level life insurance companies may not earn enough per year to handle a life insurance policy that covers everything.

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What types of life insurance policies cover everything?

The best coverage that covers all aspects of life insurance is permanent life insurance.

Term life insurance lasts for a select number of years, whereas permanent life insurance lasts your entire life.

Here’s a list of permanent life insurance policies that can cover everything.

Whole life insurance is the most straightforward policy out of the five life insurance policies on the list. The universal life insurance policies have investment opportunities.

Finally, guaranteed acceptance life insurance provides life insurance without a medical exam.

What life insurance riders should I get?

To extend your life insurance coverage, you’ll need life insurance riders.

Riders are perks you can add to your life insurance policy. However, not all life insurance companies carry the same riders.

The most common riders you’ll see at a life insurance company are:

  • Child rider
  • Return-of-premium rider
  • Disability rider
  • Guaranteed insurability rider
  • Accidental death and dismemberment rider
  • Family income rider
  • Waiver of premium rider
  • Accelerated death benefit rider
  • Long-term care rider

A life insurance rider will add about $6 to your monthly rates, but the cost of riders varies from company to company.

How much is life insurance that covers everything?

Comprehensive life insurance policies are more expensive than term life insurance. A life insurance policy stacked with perks and other extra benefits can exceed $100 a month.

Let’s look at how various factors determine the cost of whole life insurance — a policy designed to provide more benefits than most term life insurance policies.

Whole Life Insurance Rates by Age, Gender, and Policy Limit
Age & Gender   $250K Policy Limit$500K Policy Limit$750K Policy Limit$1M Policy Limit$2M Policy Limit
25-Year-Old Female$156    $307    $458    $600      $1,196    
25-Year-Old Male  $178    $351    $524    $688      $1,179    
30-Year-Old Female$189    $374    $558    $733      $1,462    
30-Year-Old Male  $213    $421    $629    $827      $1,650    
35-Year-Old Female$219    $433    $647    $852      $1,699    
35-Year-Old Male  $261    $517    $773    $1,020    $2,035    
40-Year-Old Female$264    $523    $782    $1,032    $2,059    
40-Year-Old Male  $328    $652    $975    $1,289    $2,574    
45-Year-Old Female$329    $653    $978    $1,293    $2,581    
45-Year-Old Male  $416    $827    $1,239  $1,641    $3,277    
50-Year-Old Female$421    $837    $1,254  $1,661    $3,317    
50-Year-Old Male  $531    $1,057  $1,584  $2,101    $4,198    
55-Year-Old Female$544    $1,084  $1,623  $2,153    $4,302    
55-Year-Old Male  $678    $1,351  $2,024  $2,688    $5,372    
60-Year-Old Female$705    $1,406  $2,107  $2,799    $5,593    
60-Year-Old Male  $865    $1,725  $2,586  $3,437    $6,869    
65-Year-Old Female$935    $1,865  $2,796  $3,717    $7,429    
65-Year-Old Male  $1,123  $2,241  $3,360  $4,468    $8,932    
70-Year-Old Female$1,274  $2,544  $3,814  $5,074    $10,143   
70-Year-Old Male  $1,518  $3,031  $4,544  $6,047    $12,090   
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Younger policyholders pay much less than senior policyholders. And higher limits on a policy come with more expensive monthly whole life insurance rates.

How should I set my life insurance policy limits?

The recommended policy amount for a life insurance policy is 10 times your current salary.

For example, if you earn $50,000 a year, you should buy $500,000 in death benefits. Choose a lower policy amount if you can’t afford the monthly rates.

Who needs life insurance that covers everything?

Life insurance is one of the best investments a person can make. If you need a lot more, it’s essential to get a permanent life insurance policy.

People with a flexible budget can invest more into life insurance. Universal life insurance can help expand your financial portfolio when you invest in equities or a market index.

Most of all, life insurance that covers everything sets up an estate for your family, business partners, and others that are left behind after you pass away. Also, it gives you financial flexibility while you’re alive.

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Life Insurance Companies That Cover Everything: The Bottom Line

Term life insurance is a reliable option when stacked with riders, but it doesn’t have the extensive reach of permanent life insurance.

More life insurance coverage also means higher life insurance rates. However, you’ll have all the coverage you need.

To save the most money, you should shop around until you find a company that has everything you need and meets your budget.

Now that you know more about life insurance companies that cover everything, use our free online quote tool to compare multiple insurance companies near you.

Frequently Asked Questions: Life Insurance Companies That Cover Everything

Do you want to learn more about life insurance companies that insure everything? Read these answers to frequently asked questions to learn more.

#1 – What’s the best life insurance company that covers everything?

MetLife has the highest market share in the life insurance industry.

#2 – Is guaranteed acceptance life insurance more expensive than whole life insurance?

The short answer is yes. Life insurance policies that don’t require a medical exam are usually more expensive than standard life insurance.

#3 – Is term life insurance better than permanent life insurance?

It depends on your situation. Term life insurance is more affordable, but it doesn’t cover your entire life like permanent life insurance.