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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:

Goosehead Insurance (NASDAQ:GSHD) 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 Goosehead Insurance (NASDAQ:GSHD) is: Value: D, Growth: A, Momentum: A, Sentiment: C, Safety: C, Financials: B, and AI: C.

Goosehead Insurance (NASDAQ:GSHD) has a Due Diligence Score of 45, which is 8 points higher than the life insurance industry average of 37.

GSHD passed 20 out of 38 due diligence checks and has strong fundamentals. Goosehead Insurance has seen its stock return 73.66% over the past year, overperforming other life insurance stocks by 53 percentage points.

Goosehead Insurance has an average 1 year price target of $112.60, a downside of -7.17% from Goosehead Insurance's current stock price of $121.30.

Goosehead Insurance stock has a consensus Buy recommendation according to Wall Street analysts. Of the 10 analysts covering Goosehead Insurance, 20% have issued a Strong Buy rating, 30% have issued a Buy, 40% have issued a hold, while 10% have issued a Sell rating, and 0% have issued a Strong Sell.

Equitable Holdings (NYSE:EQH) 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 Equitable Holdings (NYSE:EQH) is: Value: B, Growth: B, Momentum: B, Sentiment: C, Safety: C, Financials: C, and AI: A.

Equitable Holdings (NYSE:EQH) has a Due Diligence Score of 54, which is 17 points higher than the life insurance industry average of 37.

EQH passed 20 out of 38 due diligence checks and has strong fundamentals. Equitable Holdings has seen its stock return 45.11% over the past year, overperforming other life insurance stocks by 24 percentage points.

Equitable Holdings has an average 1 year price target of $62.50, an upside of 15.1% from Equitable Holdings's current stock price of $54.30.

Equitable Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 8 analysts covering Equitable Holdings, 62.5% have issued a Strong Buy rating, 25% have issued a Buy, 12.5% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

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

Waterdrop (NYSE:WDH) has a Due Diligence Score of 36, which is -1 points lower than the life insurance industry average of 37.

WDH passed 11 out of 33 due diligence checks and has average fundamentals. Waterdrop has seen its stock return 15.87% over the past year, underperforming other life insurance stocks by -5 percentage points.

Out of 8 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 7.33%, which is 4 percentage points higher than the life insurance industry average of 3.27%. 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 5.29%, which is 2 percentage points higher than the life insurance industry average of 3.27%.

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

Aegon (NYSE:AEG) has an annual dividend yield of 5.2%, which is 2 percentage points higher than the life insurance industry average of 3.27%. Aegon's dividend payout is not stable, having dropped more than 10% three times in the last 10 years. Aegon's dividend has shown consistent growth over the last 10 years.

Aegon's dividend payout ratio of 27.6% indicates that its high dividend yield is sustainable for the long-term.

Life insurance stocks were up 0.33% in the last day, and up 1.52% 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:

Fidelis Insurance Holdings (NYSE:FIHL) 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.

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 -14.3% in the past year. It has underperformed 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 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 45.11% in the past year. It has overperformed other stocks in the life insurance industry by 24 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 57, which is 24 points higher than the life insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

International General Insurance Holdings's stock has gained 97.52% in the past year. It has overperformed other stocks in the life insurance industry by 76 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 5.92% 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), 84.62% are rated C (Hold), 0% are rated D (Sell), and 0% are rated F (Strong Sell).