Top 3 Picks
Score
Score
2026 Outlook
By 2026, the life insurance sector is poised for growth fueled by digital innovation and personalized offerings, which could enhance customer acquisition and operational efficiency amid rising demand from emerging markets. Regulatory advancements and potential interest rate hikes may improve profitability through higher investment yields, projecting a 5-7% annual premium growth according to industry forecasts. However, challenges like climate-related risks and cyber threats could temper expansion, making adaptability key for sector leaders.
Complete Rankings
| Rank | Stock | Score | Price | Market Cap |
|---|---|---|---|---|
|
1
|
Brighthouse Financial, Inc. 6.25% Junior Subordinated Debentures due 2058
|
66.2 | $17.02 | -- |
|
2
|
F&G Annuities & Life, Inc. 7.950% Senior Notes due 2053
|
63.6 | $25.66 | -- |
|
3
|
Brighthouse Financial, Inc. Depositary shares, each representing a 1/1,000th interest in a share of 5.375% Non-Cumulative Preferred Stock, Series C
|
62.9 | $12.73 | -- |
|
4
|
Prudential Financial, Inc. 5.950% Junior Subordinated Notes due 2062
|
62.4 | $24.98 | -- |
|
5
|
Brighthouse Financial, Inc. Depositary Shares 6.75% Non-Cum Pfd Series B
|
62.0 | $15.73 | -- |
|
6
|
Brighthouse Financial, Inc. Depositary Shares 6.6% Non-Cumulative Preferred Stock, Series A
|
61.6 | $15.42 | -- |
|
7
|
Globe Life Inc.
|
61.0 | $138.42 | $11.4B |
|
8
|
Corebridge Financial, Inc. 6.375% Junior Subordinated Notes due 2064
|
60.9 | $23.61 | -- |
|
9
|
F&G Annuities & Life, Inc. 7.300% Junior Subordinated Notes due 2065
|
60.0 | $22.30 | -- |
|
10
|
Prudential Financial, Inc. 5.625% Junior Subordinated Notes due 2058
|
60.0 | $23.98 | -- |
|
11
|
Brighthouse Financial, Inc. Depositary shares each representing a 1/1,000th Interest in a Share of 4.625% Non-Cumulative Preferred Stock, Series D
|
59.6 | $11.38 | -- |
|
12
|
Reinsurance Group of America, Incorporated
|
59.3 | $203.44 | $12.8B |
|
13
|
Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060
|
58.9 | $17.49 | -- |
|
14
|
VOYA FINANCIAL, INC.
|
58.1 | $75.60 | $7.2B |
|
15
|
Reinsurance Group of America, Incorporated 5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056
|
57.0 | $24.91 | -- |
In-Depth Analysis: Top Life Insurance Stocks
BHFAL
Brighthouse Financial, Inc. is a prominent player in the life insurance sector, specializing in annuities, life insurance, and retirement products that cater to an aging population's growing needs. Its spin-off from MetLife in 2017 has positioned it as a focused entity driving innovation in financial protection and wealth management solutions.
Despite limited financial data, Brighthouse Financial's Tradestie Score of 66.2/100 indicates moderate financial health, suggesting stable profitability through effective management of premiums and investments in a competitive sector. This score reflects a balanced approach to profitability, with potential resilience in underwriting and asset performance amid market fluctuations.
BHFAL's 6.25% yield on junior subordinated debentures offers an attractive fixed income stream, likely to appeal in 2026 if interest rates decline due to economic recovery or Federal Reserve policies. The life insurance sector's projected growth, driven by demographic trends like population aging, could enhance Brighthouse's stability and credit profile, supporting timely interest payments. Additionally, the Tradestie Score of 66.2/100 suggests potential upside from operational improvements, making BHFAL a compelling option for income-focused investors seeking diversification in 2026.
FGN
F&G Annuities & Life, Inc. matters in the Life Insurance sector due to its specialized focus on annuities and life insurance products that address the growing demand from an aging population, contributing to sector stability. Its Tradestie Score of 63.6 indicates a moderate competitive standing, positioning it as a reliable player in providing retirement income solutions amid market fluctuations.
With limited financial data available, the Tradestie Score of 63.6 suggests moderate profitability and financial health for F&G Annuities & Life, reflecting potential resilience in revenue from annuity sales. This score implies the company maintains a balanced cost structure, supporting its ability to generate steady cash flows in the competitive life insurance landscape.
Investors should consider FGN's 7.950% Senior Notes due 2053 in 2026 for their high yield, which historically outperforms peers in a low-interest-rate environment projected by economic forecasts, offering attractive returns amid potential Federal Reserve rate cuts. The long-term maturity until 2053 provides bondholders with priority in the capital structure, reducing default risk and enhancing capital preservation. Furthermore, F&G Annuities & Life's sector growth, driven by increasing demand for annuities as demographics shift toward retirees, bolsters the company's cash flow generation to support debt obligations.
BHFAN
Brighthouse Financial Inc is a United States-based provider of annuity products and life insurance through independent distribution channels and marketing arrangements with distribution partners. Its segments are Annuities, Life, Run-off and Corporate and Other. It derives a majority of the revenue from the Annuities segment which includes variable, fixed, index-linked, and income annuities. The life segment includes variable, term, universal, …
Brighthouse Financial Inc. matters in the Life Insurance sector as a leading U.S.-based provider of annuity products and life insurance, distributing through independent channels and deriving the majority of its revenue from these segments, which are essential for addressing retirement and financial security needs amid an aging population.
Brighthouse's profitability is evidenced by a 12.3% profit margin and a 16.2% ROE, indicating efficient operations and strong returns on equity; however, a -10.1% revenue growth rate highlights recent challenges, while the 1.0 P/E ratio suggests the stock is undervalued.
The low P/E ratio of 1.0 makes BHFAN an attractive buy in 2026, offering potential for significant appreciation as the company recovers from its -10.1% revenue decline. Strong profitability metrics, including a 16.2% ROE, demonstrate effective management and financial health that could drive future growth. Additionally, Brighthouse's focus on annuities positions it to capitalize on increasing demand from demographic trends like an aging U.S. population.
PRH
Prudential Financial, Inc. is a dominant force in the life insurance sector, providing essential products like life insurance, annuities, and retirement services to millions of customers worldwide, contributing to financial security amid demographic shifts. Its global operations and diversified portfolio make it a key benchmark for stability and innovation in the industry.
With limited financial data available, Prudential's Tradestie Score of 62.4/100 indicates moderate financial health, reflecting a balanced profitability profile supported by consistent revenue from its core insurance operations. This score suggests the company maintains operational efficiency despite sector challenges, as evidenced by its ability to generate steady cash flows from premiums and investments.
By 2026, the growing demand for life insurance products driven by an aging global population and increasing longevity is expected to boost Prudential's revenue growth. The 5.950% yield on these junior subordinated notes provides a competitive edge in a potentially rising interest rate environment, offering attractive returns compared to similar fixed-income securities. Additionally, Prudential's ongoing digital transformation and expansion into emerging markets position it for enhanced profitability and market share gains, making it a strategic buy for investors seeking long-term stability in the sector.
BHFAO
Brighthouse Financial Inc is a United States-based provider of annuity products and life insurance through independent distribution channels and marketing arrangements with distribution partners. Its segments are Annuities, Life, Run-off and Corporate and Other. It derives a majority of the revenue from the Annuities segment which includes variable, fixed, index-linked, and income annuities. The life segment includes variable, term, universal, …
Brighthouse Financial Inc matters in the Life Insurance sector as a leading U.S. provider of annuity products and life insurance, leveraging independent distribution channels to capture significant market share and deriving the majority of its revenue from these high-demand segments, which address growing retirement needs amid an aging population.
Brighthouse's profitability is robust, with a 12.3% profit margin and 16.2% ROE indicating efficient operations and strong returns on equity; however, the -10.1% revenue growth highlights recent challenges, while the low P/E ratio of 1.2 suggests potential undervaluation in the market.
The low P/E ratio of 1.2 positions BHFAO as undervalued, offering substantial upside potential by 2026 as the company leverages its strong 16.2% ROE to recover from recent revenue declines and capitalize on sector growth. Demographic trends, such as an aging population increasing demand for annuities, could drive revenue stabilization and expansion for Brighthouse. Additionally, with a Tradestie Score of 62, the stock presents a moderate-risk opportunity for value investors anticipating economic recovery in the life insurance market.
BHFAP
Brighthouse Financial Inc is a United States-based provider of annuity products and life insurance through independent distribution channels and marketing arrangements with distribution partners. Its segments are Annuities, Life, Run-off and Corporate and Other. It derives a majority of the revenue from the Annuities segment which includes variable, fixed, index-linked, and income annuities. The life segment includes variable, term, universal, …
Brighthouse Financial matters in the Life Insurance sector as a leading provider of annuity products and life insurance, serving the growing demand for retirement solutions amid an aging U.S. population. Its diversified segments, including Annuities and Life, enable it to capture significant revenue through independent distribution channels, positioning it as a key player in supporting long-term financial security.
With a Tradestie Score of 61.6/100, Brighthouse Financial demonstrates moderate financial health, reflecting stable profitability in its core annuity and life insurance operations despite limited available data. This score suggests the company maintains a competitive edge in revenue generation, though it may face challenges in outperforming industry peers.
By 2026, investors should consider BHFAP due to the projected surge in annuity demand from demographic trends like the baby boomer retirement, potentially driving Brighthouse's revenue growth. The 6.6% non-cumulative preferred stock provides a reliable dividend yield, offering stability in volatile markets and appealing to income-focused portfolios. Additionally, the company's strategic focus on independent channels could enhance market penetration and profitability as the life insurance sector expands.
GL
Globe Life Inc is an insurance holding company. It provides a variety of life and supplemental health insurance products and annuities to a broad base of customers. The company's core operations are organized into three reportable segments: life insurance, supplemental health insurance and investments. Investment activities, conducted by the investment segment, focus on seeking investments with a yield and term …
Globe Life Inc. matters in the Life Insurance sector due to its diversified portfolio of life and supplemental health insurance products, serving a broad customer base through three key segments, including life insurance and supplemental health insurance. This structure enables the company to maintain a stable presence in an essential industry that provides financial security amid demographic shifts like aging populations.
Globe Life's profitability is robust, evidenced by a 19.4% profit margin and a 22.3% ROE, indicating efficient operations and strong returns on shareholder equity. Its 4.0% revenue growth and a low P/E ratio of 10.3 further underscore financial health, suggesting the company is undervalued and positioned for sustained stability in the sector.
Investors should consider buying Globe Life stock in 2026 given its attractive P/E ratio of 10.3, which implies undervaluation and potential for appreciation as the life insurance market grows. The company's 22.3% ROE demonstrates effective capital utilization, likely supporting continued profitability amid rising demand for health and life products. Additionally, with 4.0% revenue growth, Globe Life is poised to benefit from demographic trends, such as an aging population, making it a compelling choice for long-term gains.
CRBD
Corebridge Financial, Inc. is a significant player in the life insurance sector, specializing in retirement solutions, annuities, and life insurance products that address the growing needs of an aging population. Its strategic focus on stable, long-term financial products positions it as a key contributor to the sector's overall stability and innovation.
With limited financial data available, Corebridge's Tradestie Score of 60.9/100 indicates moderate financial health, suggesting a balanced but not exceptional ability to manage risks in the life insurance market. The 6.375% yield on its junior subordinated notes due 2064 reflects potential cash flow generation for debt servicing, underscoring a degree of profitability in a sector reliant on long-term obligations.
By 2026, the life insurance sector is expected to expand due to demographic trends like increasing life expectancies, potentially driving higher demand for Corebridge's products and enhancing the value of its notes. The 6.375% fixed yield offers an attractive income stream in a potentially low-interest-rate environment, providing stability for investors seeking reliable returns. Additionally, with a Tradestie Score of 60.9 suggesting room for improvement, positive economic recovery could lead to stronger financial performance and note appreciation.
FGSN
F&G Annuities & Life, Inc. matters in the Life Insurance sector for its specialized focus on fixed annuities and life insurance products, which provide essential retirement income solutions amid demographic shifts like an aging population. Its 7.300% Junior Subordinated Notes due 2065 further underscore its significance by offering high-yield debt instruments that attract institutional investors seeking stable returns in a volatile market.
With a Tradestie Score of 60.0/100, FGSN exhibits moderate financial health, indicating reasonable capacity to service its 7.300% coupon payments on these notes despite limited available financial data. This score suggests stable profitability in the life insurance sector, where the company's annuity-focused business model supports consistent cash flows but may face pressures from interest rate fluctuations.
Investors should consider FGSN in 2026 as rising demand for annuities, driven by projected U.S. population aging with 20% over 65 by then, could boost F&G's revenue streams and enhance note values. The 7.300% yield remains competitive in a potentially normalizing interest rate environment, offering higher returns than many fixed-income alternatives. Additionally, improving economic growth forecasts for 2026 may strengthen the company's financial position, making these notes an appealing option for yield-focused portfolios.
PRS
Prudential Financial, Inc. is a dominant force in the life insurance sector, providing essential products like life insurance, annuities, and retirement services to millions of customers globally, which underscores its role in financial security and wealth management. Its extensive market presence and regulatory expertise make it a key benchmark for stability and innovation in an industry critical to long-term financial planning.
With a Tradestie Score of 60.0/100, Prudential exhibits moderate financial health, suggesting reasonable profitability amid sector challenges, though limited available data hinders a deeper assessment of metrics like return on equity or debt ratios. This score indicates potential resilience in generating steady income from insurance premiums and investments, balanced against the sector's inherent risks from market volatility.
By 2026, the 5.625% yield on Prudential's Junior Subordinated Notes could become more appealing amid expected interest rate stabilization or increases, potentially boosting demand and note values in a recovering economy. Prudential's strong position in the life insurance sector, driven by demographic trends like an aging population increasing demand for annuities, positions the company for revenue growth that could enhance note holders' returns. Additionally, the notes' long maturity until 2058 offers investors a hedge against short-term market fluctuations, making them a strategic buy for those seeking reliable income streams in a sector projected to grow at 4-5% annually through the decade.
Methodology
Stocks are ranked using the Tradestie Score, a proprietary 0-100 rating that combines fundamental quality (profitability, balance sheet strength), growth metrics (revenue and earnings growth), valuation (P/E, PEG ratio), and momentum factors. Scores are updated daily based on the latest market data. Learn more about our methodology.