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US Life Insurance Stocks in 2026

Life insurers provide financial protection through products such as term life, whole life, universal life, annuities and workplace benefits. The life industry also depends heavily on investment income because insurers invest premiums to support future policy obligations. In this article, we cover insurance stocks in the life insurance category and some of the leading companies available to explore on the Tickertape US Stock Screener.

List of US Life Insurance Stocks in 2026

US Life Insurance Stocks

Explore US life insurance stocks providing life insurance policies, annuities and related financial protection products. Analyse companies using live share price, market cap, returns, valuation, profitability and other key financial metrics.

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Showing 1 - 20 of 22 results

last updated at 2:30 AM IST 
NameUS Stocks (22)↓↓Sub-SectorSub-Sector↓↓Market CapMarket Cap↓↓Close PriceClose Price↓↓PE Ratio (TTM)PE Ratio (TTM)↓↓1M Return1M Return↓↓1D Return1D Return↓↓Return on EquityReturn on Equity↓↓PB RatioPB Ratio↓
1.Manulife Financial CorpMFCInsurance - LifeInsurance - Life74,410.2574,410.2545.2545.2516.8516.854.214.211.081.0813.3113.312.222.22
2.MetLife IncMETInsurance - LifeInsurance - Life63,534.9963,534.99100.83100.8319.1519.155.915.911.211.2113.0913.092.322.32
3.Aflac IncorporatedAFLInsurance - LifeInsurance - Life61,038.5561,038.55121.75121.7513.0913.097.127.121.471.4716.9116.912.022.02
4.Prudential Financial, Inc.PRUInsurance - LifeInsurance - Life39,747.4539,747.45116.87116.8710.4410.441.571.571.301.3012.0112.011.271.27
5.Prudential PLC ADRPUKInsurance - LifeInsurance - Life29,368.0929,368.0924.3924.398.448.44-3.33-3.330.640.6418.7418.741.481.48
6.Unum GroupUNMInsurance - LifeInsurance - Life14,114.6314,114.6391.5991.5920.8320.833.803.801.481.486.356.351.321.32
7.Globe Life IncGLInsurance - LifeInsurance - Life12,064.5912,064.59160.45160.4510.5110.51-3.39-3.39-2.01-2.0120.9420.941.961.96
8.Jackson Financial IncJXNInsurance - LifeInsurance - Life9,147.449,147.44135.97135.97148.42148.423.533.530.990.991.381.380.950.95
9.Primerica IncPRIInsurance - LifeInsurance - Life8,542.258,542.25283.55283.5511.1511.152.782.781.661.6632.9732.973.383.38
10.Lincoln National CorporationLNCInsurance - LifeInsurance - Life7,730.647,730.6441.3741.373.443.441.101.101.761.7622.5922.590.740.74
11.CNO Financial Group IncCNOInsurance - LifeInsurance - Life5,036.865,036.8654.3854.3818.8418.842.052.051.481.4810.9310.931.941.94
12.Genworth Financial IncGNWInsurance - LifeInsurance - Life3,359.103,359.109.039.0317.7817.78-2.17-2.171.751.753.403.400.380.38
13.F&G Annuities & Life Inc. FGInsurance - LifeInsurance - Life2,697.272,697.2721.0521.056.806.80-3.79-3.792.142.149.179.170.590.59
14.Brighthouse Financial, Inc.BHFAPInsurance - LifeInsurance - Life2,677.642,677.6412.4212.421.011.01-11.60-11.60-2.01-2.0113.5413.54--
15.Brighthouse Financial, Inc.BHFInsurance - LifeInsurance - Life2,572.492,572.4943.8143.813.533.53-15.75-15.75-1.93-1.9313.5413.540.390.39
16.Abacus Global Management, Inc.ABXInsurance - LifeInsurance - Life817.54817.548.428.4230.9630.964.474.472.302.306.556.551.841.84
17.Security National FinancialSNFCAInsurance - LifeInsurance - Life237.26237.269.239.236.516.514.894.890.420.428.478.470.550.55
18.Citizens IncCIAInsurance - LifeInsurance - Life188.39188.393.803.8016.9116.914.974.971.681.685.005.000.760.76
19.Atlantic American CorporationAAMEInsurance - LifeInsurance - Life24.4824.481.141.144.444.44-12.31-12.31-1.58-1.585.205.200.230.23
20.Brighthouse Financial, Inc.BHFAMInsurance - LifeInsurance - Life--9.209.200.740.74-10.07-10.07-3.14-3.1413.5413.54--
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Disclaimer: Please note that the above table is for informational purposes only, and is not recommendatory. Please do your own research or consult your financial advisor before investing. The data is derived from Tickertape US Stock Screener and is subject to real-time updates.

Overviews of Top US Life Insurance Stocks

Manulife Financial Corp

Manulife Financial is an international financial services company offering life insurance, health insurance, wealth management and retirement products. Headquartered in Toronto, the company operates across Canada, Asia and the US, where it does business primarily through John Hancock. Its products include individual insurance, group benefits, retirement solutions and investment management services.

MetLife Inc

MetLife provides life insurance, employee benefits, annuities and other financial protection products across the US and international markets. The company has a significant presence in employer-sponsored benefits, offering products such as group life insurance, disability insurance, accident coverage and retirement solutions. Its business serves individuals, employers and institutional customers.

Aflac Incorporated

Aflac provides supplemental health and life insurance products through its businesses in the US and Japan. Its offerings include accident, cancer, critical illness, hospital indemnity, disability and life insurance. The company focuses on products that provide cash benefits directly to policyholders for eligible claims, supplementing other forms of insurance coverage.

Prudential Financial Inc

Prudential Financial provides life insurance, annuities, retirement solutions and investment management services. Its US businesses include individual life insurance, group insurance and retirement products, while PGIM provides investment management services to institutional and retail clients. The company also has insurance operations in international markets.

Prudential PLC ADR

Prudential plc provides life and health insurance and asset management services across markets in Asia and Africa. Its products include protection, savings, investment and health solutions distributed through agents, banks and digital channels. The company is distinct from Prudential Financial in the US and trades in the US through its ADR.

What are US Life Insurance Stocks?

US Life Insurance stocks are shares of companies that provide life insurance, annuities and related financial protection products. These insurance company stocks can generate revenue from policy premiums, investment income, fees and other financial services. Their performance depends on policy sales, claims, investment returns, interest rates, customer retention and capital requirements.

How to Evaluate and Invest in US Life Insurance Stocks?

Here's how to invest in US Life Insurance stocks from India, step by step:

  1. Log in or Create an Account: Visit Tickertape US Stocks and log in to your account. Create an account if you have not registered yet and complete the US investing account-opening process.
  2. Search for Life Insurance Stocks: Use the Tickertape US Stock Screener and select 'Insurance - Life' under the industry filter.
  3. Analyse the Stocks: Compare valuation, profitability, return on equity, price-to-book ratio, financial health and other available metrics.
  4. Add Money to Your US Wallet: Connect an eligible bank account and transfer money to your US Wallet under the Liberalised Remittance Scheme.
  5. Place Your Order: Select the Life Insurance stock you want to invest in and click on 'Buy' to place the order through Tickertape.

Taxation of US Life Insurance Stocks for Indian Investors

The tax treatment of US Life Insurance stocks generally depends on the holding period, the investor's applicable income tax rate and US withholding rules on dividend income.

Income / Action Holding Period / Condition Tax Rate in the US Tax Rate in India
Long-Term Capital Gains (LTCG) Held for > 24 months 0% (Taxed only in India under DTAA) 12.5% (+ applicable surcharge & cess)
Short-Term Capital Gains (STCG) Held for < 24 months 0% (Taxed only in India under DTAA) Taxed as per your applicable income slab rate

Benefits of Investing in US Life Insurance Stocks

Recurring Premium Income

Life insurers receive premiums from policyholders over the life of insurance contracts. Long-duration policies can create recurring premium streams, although customer retention and policy lapses influence how stable these revenues remain.

Exposure to Insurance and Retirement Products

Many life insurers operate beyond traditional life policies and also offer annuities, retirement products and workplace benefits. This gives investors exposure to several parts of the financial protection and savings market through insurance sector stocks.

Large Investment Portfolios

Life insurers invest premiums across bonds and other assets to meet future obligations. Investment income can therefore make up a significant share of earnings, making portfolio yield and credit quality key factors for the sector.

Established Distribution Networks

Life insurers distribute products through agents, brokers, employers, banks and digital platforms. Broader distribution helps insurers reach more customer groups and sell multiple insurance and retirement products.

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Risks of Investing in Life Insurance Stocks

Mortality and Longevity Risk

Life insurers assume how long policyholders will live and when claims will occur. Actual experience that differs materially from these assumptions can affect liabilities and profitability.

Interest Rate Risk

Insurers invest premiums in long-duration assets while carrying long-term policy obligations. Changes in interest rates can affect investment income, asset valuations and the attractiveness of products such as annuities and universal life policies.

Credit Risk in Investment Portfolios

Life insurers hold large fixed-income and private-credit portfolios. Credit deterioration or defaults can reduce investment returns and increase losses. Private-credit exposure has received greater investor scrutiny in 2026 because of concerns about valuation transparency and credit quality.

Policy Lapses

Policyholders may stop paying premiums or surrender policies before maturity. Higher lapse rates can affect expected premium income, product economics and the timing of insurer liabilities.

Factors That Influence US Life Insurance Stocks' Performance

New Business Premium

New business premium indicates how much premium an insurer generates from newly sold policies. Investors may compare premium growth across product categories to understand demand and changes in product mix.

Policy Persistency

Persistency measures how long customers keep policies active. Higher persistency can support recurring premium income, while rising lapse rates may weaken expected future cash flows.

Investment Spread

Insurers earn returns on invested premiums while paying benefits and credited rates to policyholders. The difference between investment income and policy-related costs can influence profitability.

Capital Adequacy

Life insurers must maintain sufficient regulatory capital to support policy obligations and investment risks. Capital strength can affect dividend capacity, share repurchases, new business growth and financial resilience.

Key Growth Drivers for Life Insurance Stocks

Growth in Policy Sales

Higher policy volumes can increase premium income and expand an insurer's customer base. LIMRA reported an 8% year-over-year increase in US individual life insurance policy sales in Q2 2026.

Shift Towards Different Life Products

Demand can shift among whole life, term, indexed universal life, and variable universal life products depending on interest rates, equity markets, and customer preferences. In Q2 2026, whole life and variable universal life recorded particularly strong premium growth.

Workplace Insurance Demand

Employer-sponsored life and supplemental benefits form an important distribution channel. US workplace life insurance new annualised premium increased 7% in the first half of 2026, according to LIMRA.

Digital Underwriting and Distribution

Automated underwriting, online applications, and digital sales platforms can speed policy issuance and make distribution easier. LIMRA has identified improvements in digital applications, underwriting automation and distribution as contributors to recent industry growth.

How to Track the Best US Life Insurance Stocks from India on Tickertape?

You can track US Life Insurance stocks and related ETFs from India on Tickertape's US Stocks & ETFs platform.

  1. Log in: Visit Tickertape and sign in to your account.
  2. Search Life Insurance stocks: Look up companies offering life insurance, annuities, retirement solutions and related products.
  3. Use the screener: Filter US stocks by the 'Insurance - Life' industry.
  4. Compare metrics: Review market capitalisation, returns, price-to-book ratios, profitability and financial health.
  5. Create a watchlist: Add selected Life Insurance stocks to monitor their prices, financial results and company developments.

Conclusion

US Life Insurance stocks include companies offering life insurance, annuities, retirement solutions and workplace benefits. Their performance depends on policy sales, customer retention, claims experience, investment returns, interest rates and capital strength. Investors exploring a list of insurance stocks can use the Tickertape US Stock Screener to compare Life Insurance stocks using 60+ unique filters and custom filters across valuation, profitability, growth, financial health and other key metrics.

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    Frequently Asked Questions About Life Insurance Stocks

    1. What are Life Insurance stocks?

      Life Insurance stocks are shares of companies that sell life insurance, annuities and related financial protection products. These businesses earn income from premiums, investment portfolios, fees and other services.

    2. What are the top US Life Insurance stocks?

      Based on market capitalisation in the attached Tickertape US Stock Screener, the top five US insurance companies stocks in the Insurance - Life category include:
      1. Manulife Financial Corp
      2. MetLife Inc
      3. Aflac Incorporated
      4. Prudential Financial Inc
      5. Prudential PLC ADR


      Disclaimer: The above list is based on market capitalisation in the attached Tickertape screener and is for educational purposes only. It does not constitute investment advice. Investors should conduct their own research or consult a financial advisor before investing.

    3. What is the outlook for US Life Insurance stocks?

      The outlook for insurance stocks depends on policy sales, interest rates, investment returns, claims experience and customer retention. Individual life insurance policy sales increased in the first half of 2026, although product-level trends varied across whole life, term and universal life categories.

      Disclaimer: This information is for educational purposes only and does not constitute investment advice. Investors should conduct their own research or consult a financial advisor before investing.

    4. What factors affect Life Insurance stocks?

      Life insurers are influenced by new policy sales, policy lapses, claims, interest rates, investment portfolio returns and regulatory capital requirements. Their long-duration liabilities also make asset-liability management particularly important.

    5. Are Life Insurance stocks risky for Indian investors?

      Yes. Risks include interest rate changes, credit losses, policy lapses, mortality assumptions and regulatory developments. Indian investors should also consider movements between the rupee and US dollar.

    6. How can I compare Life Insurance stocks on Tickertape?

      You can use the Tickertape US Stock Screener to compare a list of insurance stocks across market capitalisation, valuation, profitability, returns and financial health. Select 'Insurance - Life' to focus specifically on life insurers.

    7. Can beginners invest in Life Insurance stocks?

      Beginners can access Life Insurance stocks through platforms offering US equities. However, they should understand the insurer's product mix, investment portfolio, capital position and sensitivity to interest rates before evaluating individual companies.

      Disclaimer: This information is for educational purposes only and does not constitute investment advice. Investors should assess their financial goals and risk tolerance or consult a financial advisor before investing.

    8. How to invest in US Life Insurance stocks from India?

      Investors in India can explore Life Insurance stocks through Tickertape. The process generally involves:
      1. Create an account: Open a US investing account on Tickertape.
      2. Explore Life Insurance stocks: Compare companies under the Insurance - Life category.
      3. Complete KYC: Verify your identity and submit the required documents.
      4. Link a bank account: Connect an eligible bank account for LRS remittances.
      5. Add funds: Transfer money to your US investing account.
      6. Place an order: Select a Life Insurance stock and place an order, including fractional orders where available.

    9. What are the advantages of investing in Life Insurance stocks?

      Life insurers can generate recurring premium income and investment earnings and may operate across life insurance, annuities, retirement products and employee benefits. These characteristics differentiate them from other insurance sector stocks such as property and casualty insurers.

      Disclaimer: This information is for educational purposes only and does not constitute investment advice. Investors should conduct their own research before investing.

    10. What is the difference between Life Insurance stocks and other insurance stocks?

      Life insurance companies primarily focus on mortality protection, annuities and long-term savings products. Property and casualty insurers cover risks such as vehicles, homes and commercial property, while health insurers focus on medical expenses.

    11. What metrics are commonly used to evaluate Life Insurance stocks?

      Common metrics include price-to-book ratio, return on equity, earnings growth, policy sales, persistency, investment spread and capital adequacy. Investors may also review the quality and composition of the insurer's investment portfolio.

    12. What does the life industry earn money from?

      The life industry earns income from insurance premiums, fees and returns on invested assets. Insurers use part of these funds to pay claims and policy benefits, while profitability also depends on expenses, policy retention and investment performance.

    13. Is there a US life insurance index?

      A US life insurance index tracks groups of listed life and health insurers. Historically, benchmarks such as the Dow Jones U.S. Life Insurance Index and SNL U.S. Insurance Life & Health Index have been used to measure sector performance. Investors should review an index's methodology and constituents before using it as a benchmark.

    14. Do US Life Insurance stocks pay dividends?

      Several established Life Insurance companies pay dividends, although policies vary by company. Investors evaluating dividend-paying insurance company stocks should consider earnings, capital requirements, cash flow and the insurer's ability to meet policy obligations.

      Disclaimer: This information is for educational purposes only and does not constitute investment advice. Investors should conduct their own research or consult a financial advisor before investing.

    Disclaimer: This article is for informational purposes only. The content of the article, including securities/investment products mentioned, if any, should not in any manner be construed as investment advice, recommendation, offer, or solicitation to buy/hold/sell any securities/investment products. The securities quoted, if any, are for illustration only and are not recommendatory. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Please consult a SEBI-registered financial advisor before investing.