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Best Life Insurance Stocks to Buy Now (2025)

Top life insurance stocks in 2025 ranked by overall Zen Rating. "A" Rated stocks have returned an average of +32.52% per year, and are the best life insurance stocks to buy now. Learn More.

According to Zen Ratings, our proprietary rating system that evaluates 115 factors proven to drive growth in stocks and assigns each stock in our system an overall letter grade as well as 7 individual Component Grades for Value, Growth, Momentum, Sentiment, Safety, Financials, and proprietary AI algorithms, the 3 best life insurance stocks to buy right now are:

Aegon (NYSE:AEG) is the #1 top life insurance stock out of 14 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Aegon (NYSE:AEG) is: Value: C, Growth: C, Momentum: B, Sentiment: B, Safety: C, Financials: C, and AI: C.

Aegon (NYSE:AEG) has a Due Diligence Score of 30, which is -2 points lower than the life insurance industry average of 32. Although this number is below the industry average, our proven quant model rates AEG as a "B".

AEG passed 12 out of 38 due diligence checks and has average fundamentals. Aegon has seen its stock return 6.29% over the past year, underperforming other life insurance stocks by -10 percentage points.

Waterdrop (NYSE:WDH) is the #2 top life insurance stock out of 14 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Waterdrop (NYSE:WDH) is: Value: C, Growth: C, Momentum: B, Sentiment: C, Safety: B, Financials: C, and AI: B.

Waterdrop (NYSE:WDH) has a Due Diligence Score of 35, which is 3 points higher than the life insurance industry average of 32.

WDH passed 11 out of 33 due diligence checks and has average fundamentals. Waterdrop has seen its stock return 23.93% over the past year, overperforming other life insurance stocks by 8 percentage points.

Sun Life Financial (NYSE:SLF) is the #3 top life insurance stock out of 14 with a Zen Rating of C. Stocks with a rating of C have had an average return of +7.53% per year. Learn more.

The Component Grade breakdown for Sun Life Financial (NYSE:SLF) is: Value: C, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: C, and AI: A.

Sun Life Financial (NYSE:SLF) has a Due Diligence Score of 25, which is -7 points lower than the life insurance industry average of 32.

SLF passed 10 out of 38 due diligence checks and has weak fundamentals. Sun Life Financial has seen its stock return 31.94% over the past year, overperforming other life insurance stocks by 16 percentage points.

Sun Life Financial has an average 1 year price target of $88.00, an upside of 35.76% from Sun Life Financial's current stock price of $64.82.

Sun Life Financial stock has a consensus Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Sun Life Financial, 0% have issued a Strong Buy rating, 100% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Out of 7 life insurance stocks that have issued dividends in the past year, the 3 life insurance stocks with the highest dividend yields are:

Old Republic International (NYSE:ORI) has an annual dividend yield of 8.14%, which is 5 percentage points higher than the life insurance industry average of 3.21%. Old Republic International's dividend payout is not stable, having dropped more than 10% six times in the last 10 years. Old Republic International's dividend has shown consistent growth over the last 10 years.

Old Republic International's dividend payout ratio of 98.1% indicates that its high dividend yield might not be sustainable for the long-term.

Arch Capital Group (NASDAQ:ACGL) has an annual dividend yield of 5.49%, which is 2 percentage points higher than the life insurance industry average of 3.21%.

Arch Capital Group's dividend payout ratio of 50.1% indicates that its high dividend yield is sustainable for the long-term.

International General Insurance Holdings (NASDAQ:IGIC) has an annual dividend yield of 4.11%, which is 1 percentage points higher than the life insurance industry average of 3.21%. International General Insurance Holdings's dividend payout is not stable, having dropped more than 10% two times in the last 10 years. International General Insurance Holdings's dividend has not shown consistent growth over the last 10 years.

International General Insurance Holdings's dividend payout ratio of 34.8% indicates that its high dividend yield is sustainable for the long-term.

Life insurance stocks were up 0.75% in the last day, and up 0.03% over the last week.

We couldn't find a catalyst for why life insurance stocks are up.

Based on the Valuation rating, one of the 7 components of a stocks overall Zen Ratings grade, which evaluates factors including estimated earnings yield, earnings before interest and taxes/enterprise value, cash flow yield, free cash flow to price, and price-to-earnings growth (PEG ratio), the 3 most undervalued life insurance stocks right now are:

International General Insurance Holdings (NASDAQ:IGIC) is the most undervalued life insurance stock based on its Valuation Rating of B. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

International General Insurance Holdings has a valuation score of 43, which is 11 points higher than the life insurance industry average of 32. It passed 3 out of 7 valuation due diligence checks.

International General Insurance Holdings's stock has gained 51.38% in the past year. It has overperformed other stocks in the life insurance industry by 35 percentage points.

Equitable Holdings (NYSE:EQH) is the second most undervalued life insurance stock based on its Valuation Rating of B. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Equitable Holdings has a valuation score of 43, which is 11 points higher than the life insurance industry average of 32. It passed 3 out of 7 valuation due diligence checks.

Equitable Holdings's stock has gained 29.95% in the past year. It has overperformed other stocks in the life insurance industry by 14 percentage points.

Fidelis Insurance Holdings (NYSE:FIHL) is the third most undervalued life insurance stock based on its Valuation Rating of B. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Fidelis Insurance Holdings has a valuation score of 14, which is -18 points higher than the life insurance industry average of 32. It passed 1 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates FIHL a Valuation Rating of "B".

Fidelis Insurance Holdings's stock has dropped -5.21% in the past year. It has underperformed other stocks in the life insurance industry by -22 percentage points.

60% of life insurance stocks rated by analysts are a buy right now. On average, analysts expect life insurance stocks to rise by 17.84% over the next year.

0% of life insurance stocks have a Zen Rating of A (Strong Buy), 15.38% of life insurance stocks are rated B (Buy), 76.92% are rated C (Hold), 7.69% are rated D (Sell), and 0% are rated F (Strong Sell).