Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Most life insurance companies only send someone to your house or workplace for a medical exam
  • Many life insurance agents are available by phone or email so that you can still shop for life insurance from home
  • Finding the best life insurance companies will depend on your personal status and life insurance needs

If it’s your first time shopping for term life insurance quotes, you might be wondering if there are any life insurance companies that come to your house.

Learning about life insurance takes time. We’ll help by simplifying the types of life insurance, popular life insurance companies, and which companies are the most convenient.

Read on to learn more about life insurance companies that come to your house or enter your ZIP code to get free quotes from top life insurance companies near you.

Life Insurance Companies That Come to Your House

Searching for the best life insurance companies can be a grueling process. Every company seems to offer different products with a different underwriting process.

In these cases, it might feel safer to sit down and discuss your options with someone in person. Thankfully, there are a handful of options for those looking to purchase a new life insurance policy.

Do life insurance companies come to your house?

There are only a few circumstances in which a life insurance company or affiliate would come to your house. Most commonly, someone might come to your home or workplace to perform a medical examination, if needed.

A medical exam is needed for many life insurance policies to prevent prospective policyholders from lying about any underlying health conditions or bad habits like smoking.

In most cases, the person that comes to your house won’t actually be a representative from your life insurance company. Instead, this tends to be some sort of medical professional that the insurance company has hired to conduct medical exams.

What’s the best way to shop for life insurance?

While it may be disappointing to learn that most life insurance companies don’t come to your house, it doesn’t mean it won’t happen. Some agents might be willing to meet with you during normal business hours, but this would likely vary from company to company and by the agent.

How is life insurance sold? Even the life insurance companies that don’t come to your house can offer convenient and effective product information sessions, however.

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The Insurance Information Institute mentions that your life insurance policy includes a commission, so many agents should be willing to assist you with any questions you might have about a policy.

The best thing to do when shopping for life insurance is to compare the best life insurance companies and determine which policy type is best for your needs. In the simplest form, you’ll want to choose between term and permanent life insurance.

What are the best life insurance companies?

Identifying the best life insurance companies is easier said than done. This is due to the fact that the best for term life insurance is most likely not the same as the best for whole life insurance or other products.

To identify the top life insurance companies, it’s important to review life insurance company ratings and reviews. Most notably, A.M. Best ratings help identify a company’s financial strength.

A.M. Best Ratings for Top Providers
Life Insurance CompanyA.M. Best Rating
Accordia LifeA-
AIGA
ANICOA
AssurityA-
Banner LifeA+
Cincinnati LifeA
FidelityA-
ForestersA
Gerber LifeA
John HancockA+
Lincoln FinancialA+
MetLifeA+
Midland NationalA+
Minnesota LifeA+
Mutual of OmahaA+
NationwideA+
North American CoA+
Pacific LifeA+
PrincipalA+
ProtectiveA+
PrudentialA+
SagicorA-
SBLIA+
SymetraA
TransamericaA+
VOYAA
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The companies above are all considered strong insurers because they have an “A” A.M. Best rating or better, signifying that they are in good financial standing and should be capable of providing your death benefit when the time comes.

Beyond ratings, price is clearly important. Life insurance expenses will vary depending on your policy type, age, gender, and many other factors. However, there are some resources available to give you an idea of the most affordable life insurance companies.

Average Monthly Life Insurance Rates
CompaniesAverage Monthly Life Insurance Rates
Allstate$15
John Hancock$11
MassMutual$10
Mutual of Omaha$12
Nationwide$13
New York Life$11
Prudential$16
State Farm$15
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In this case, you might notice that many of the highly marketed insurance companies are actually more expensive on average. This is why it could be valuable to shop for a variety of companies.

Some highly-rated life insurance providers that aren’t as popular as State Farm and Allstate include:

  • Prudential Life Insurance
  • Mutual of Omaha Life Insurance
  • USAA Life Insurance

Each of the above companies has excellent A.M. Best ratings and offers an assortment of life insurance products. To find the best rates, you’ll want to get quotes from multiple providers.

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Life Insurance Companies That Come to Your House: The Bottom Line

While many life insurance agents won’t come to your house, they will be readily available by phone or email for your convenience. Purchasing life insurance is easier than ever in modern times.

We hope you enjoyed learning more about life insurance companies that come to your house. Before you go, see if you can save on life insurance with free quotes by entering your ZIP code below.