Sectors & IndustriesFinancial ServicesInsurance - Diversified

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:

Waterdrop (NYSE:WDH) 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 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 43, which is 8 points higher than the life insurance industry average of 35.

WDH passed 13 out of 33 due diligence checks and has strong fundamentals. Waterdrop has seen its stock return 9.17% over the past year, underperforming other life insurance stocks by -13 percentage points.

Aegon (NYSE:AEG) 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 Aegon (NYSE:AEG) is: Value: C, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: C, and AI: C.

Aegon (NYSE:AEG) has a Due Diligence Score of 34, which is -1 points lower than the life insurance industry average of 35.

AEG passed 14 out of 38 due diligence checks and has average fundamentals. Aegon has seen its stock return 4.21% over the past year, underperforming other life insurance stocks by -18 percentage points.

Old Republic International (NYSE:ORI) 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 Old Republic International (NYSE:ORI) is: Value: C, Growth: C, Momentum: A, Sentiment: B, Safety: C, Financials: C, and AI: C.

Old Republic International (NYSE:ORI) has a Due Diligence Score of 37, which is 2 points higher than the life insurance industry average of 35.

ORI passed 13 out of 38 due diligence checks and has average fundamentals. Old Republic International has seen its stock return 25.92% over the past year, overperforming other life insurance stocks by 3 percentage points.

Old Republic International has an average 1 year price target of $43.00, an upside of 14.36% from Old Republic International's current stock price of $37.60.

Old Republic International stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Old Republic International, 100% have issued a Strong Buy rating, 0% 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 7.5%, which is 4 percentage points higher than the life insurance industry average of 3.39%. 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 92.9% 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 5.51%, which is 2 percentage points higher than the life insurance industry average of 3.39%.

Arch Capital Group's dividend payout ratio of 43.6% indicates that its high dividend yield is sustainable for the long-term.

International General Insurance Holdings (NASDAQ:IGIC) has an annual dividend yield of 3.64%, which is the same as the life insurance industry average of 3.39%. International General Insurance Holdings's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. International General Insurance Holdings's dividend has shown consistent growth over the last 10 years.

International General Insurance Holdings's dividend payout ratio of 2.8% indicates that its dividend yield is sustainable for the long-term.

Life insurance stocks were down -0.25% in the last day, and up 0.09% over the last week. Equitable Holdings was the among the top losers in the insurance - diversified industry, dropping -3.08% yesterday.

Equitable Holdings shares are trading lower following a Q1 adjusted EPS miss.

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:

Equitable Holdings (NYSE:EQH) 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.

Equitable Holdings has a valuation score of 43, which is 10 points higher than the life insurance industry average of 33. It passed 3 out of 7 valuation due diligence checks.

Equitable Holdings's stock has gained 33.97% in the past year. It has overperformed other stocks in the life insurance industry by 11 percentage points.

Fidelis Insurance Holdings (NYSE:FIHL) 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.

Fidelis Insurance Holdings has a valuation score of 57, which is 24 points higher than the life insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

Fidelis Insurance Holdings's stock has dropped -12% in the past year. It has underperformed other stocks in the life insurance industry by -35 percentage points.

International General Insurance Holdings (NASDAQ:IGIC) 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.

International General Insurance Holdings has a valuation score of 43, which is 10 points higher than the life insurance industry average of 33. It passed 3 out of 7 valuation due diligence checks.

International General Insurance Holdings's stock has gained 86.08% in the past year. It has overperformed other stocks in the life insurance industry by 63 percentage points.

55.56% of life insurance stocks rated by analysts are a buy right now. On average, analysts expect life insurance stocks to rise by 15.16% over the next year.

0% of life insurance stocks have a Zen Rating of A (Strong Buy), 7.69% of life insurance stocks are rated B (Buy), 92.31% are rated C (Hold), 0% are rated D (Sell), and 0% are rated F (Strong Sell).