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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: A, Growth: A, Momentum: B, Sentiment: C, Safety: C, Financials: C, and AI: C.

Aegon (NYSE:AEG) has a Due Diligence Score of 21, which is -9 points lower than the life insurance industry average of 30. Although this number is below the industry average, our proven quant model rates AEG as a "B".

AEG passed 8 out of 38 due diligence checks and has weak fundamentals. Aegon has seen its stock return 23.57% over the past year, overperforming other life insurance stocks by 28 percentage points.

Waterdrop (NYSE:WDH) is the #2 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 Waterdrop (NYSE:WDH) is: Value: C, Growth: C, Momentum: C, Sentiment: C, Safety: B, Financials: C, and AI: B.

Waterdrop (NYSE:WDH) has a Due Diligence Score of 40, which is 10 points higher than the life insurance industry average of 30.

WDH passed 13 out of 33 due diligence checks and has average fundamentals. Waterdrop has seen its stock return 59.29% over the past year, overperforming other life insurance stocks by 64 percentage points.

Hartford Insurance Group (NYSE:HIG) 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 Hartford Insurance Group (NYSE:HIG) is: Value: C, Growth: C, Momentum: C, Sentiment: C, Safety: C, Financials: C, and AI: B.

Hartford Insurance Group (NYSE:HIG) has a Due Diligence Score of 45, which is 15 points higher than the life insurance industry average of 30.

HIG passed 16 out of 38 due diligence checks and has strong fundamentals. Hartford Insurance Group has seen its stock return 11.13% over the past year, overperforming other life insurance stocks by 15 percentage points.

Hartford Insurance Group has an average 1 year price target of $144.00, an upside of 5.09% from Hartford Insurance Group's current stock price of $137.03.

Hartford Insurance Group stock has a consensus Buy recommendation according to Wall Street analysts. Of the 13 analysts covering Hartford Insurance Group, 38.46% have issued a Strong Buy rating, 15.38% have issued a Buy, 46.15% 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:

Arch Capital Group (NASDAQ:ACGL) has an annual dividend yield of N/A, which is N/A percentage points lower than the life insurance industry average of 2.8%.

Arch Capital Group's dividend payout ratio of 45.8% indicates that its dividend yield is sustainable for the long-term.

Sun Life Financial (NYSE:SLF) has an annual dividend yield of N/A, which is N/A percentage points lower than the life insurance industry average of 2.8%. Sun Life Financial's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. Sun Life Financial's dividend has shown consistent growth over the last 10 years.

Sun Life Financial's dividend payout ratio of 54.6% indicates that its dividend yield is sustainable for the long-term.

Old Republic International (NYSE:ORI) has an annual dividend yield of 6.8%, which is 4 percentage points higher than the life insurance industry average of 2.8%. 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 91.7% indicates that its high dividend yield might not be sustainable for the long-term.

Life insurance stocks were up 0.32% in the last day, and up 1.81% 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:

Aegon (NYSE:AEG) is the most undervalued life insurance stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Aegon has a valuation score of 43, which is 12 points higher than the life insurance industry average of 31. It passed 3 out of 7 valuation due diligence checks.

Aegon's stock has gained 23.57% in the past year. It has overperformed other stocks in the life insurance industry by 28 percentage points.

International General Insurance Holdings (NASDAQ:IGIC) 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.

International General Insurance Holdings has a valuation score of 43, which is 12 points higher than the life insurance industry average of 31. It passed 3 out of 7 valuation due diligence checks.

International General Insurance Holdings's stock has dropped -7.3% in the past year. It has underperformed other stocks in the life insurance industry by -3 percentage points.

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

Equitable Holdings has a valuation score of 0, which is -31 points higher than the life insurance industry average of 31. It passed 0 out of 7 valuation due diligence checks.

Equitable Holdings's stock has dropped -3.19% in the past year. It has overperformed other stocks in the life insurance industry by 1 percentage points.

40% of life insurance stocks rated by analysts are a strong buy right now. On average, analysts expect life insurance stocks to rise by 17.17% over the next year.

0% of life insurance stocks have a Zen Rating of A (Strong Buy), 7.14% of life insurance stocks are rated B (Buy), 85.71% are rated C (Hold), 7.14% are rated D (Sell), and 0% are rated F (Strong Sell).