Best Life Insurance Companies in New Hampshire (2025)

Overall, State Farm offers the best life insurance in the state, earning a MoneyGeek Score of 99 out of 100 for customer service, affordability, and coverage options. We also recommend GEICO, Haven, Nationwide, and Mutual of Omaha as some of the best affordable alternatives.

*Rates presented are for coverage levels between $250-$500K for a 20 year term life insurance plan for a 40-year-old man in good health who does not smoke.

While the top insurance provider in the state is a great fit for many, your ideal choice might differ based on your needs. Below, we've detailed the best providers for various common profiles.

To help you find insurance that fits your needs, we've included a filterable table below, making it easy to see options that match your profile.

Rates in this table differ from the main comparison due to the broader age range (41 to 50 vs. 40) and flexible term selection rather than a fixed 20-year term.

Discover essential tips to guide you in selecting the ideal policy.

The top three companies are State Farm, GEICO, and Haven, according to MoneyGeek's analysis. We recommend evaluating your coverage needs and comparing quotes to ensure you secure the best deal possible.

Explore our FAQ section for expert answers to common questions about insurance in the state.

Life insurance rates don't vary by state, but finding the best provider for residents requires understanding which companies deliver exceptional service, competitive pricing, and reliable coverage nationwide. We built this analysis to show you which insurers excel across the factors that matter most when protecting your family's financial future.

We scored life insurance companies using five weighted categories:

Affordability drives 60% of our scoring because premium costs directly impact whether you can maintain coverage for the full term. We collected quotes through online systems for various coverage amounts ($250,000 to $500,000+) and term lengths (10, 20, 30 years) to identify which companies offer competitive rates. 

Customer satisfaction accounts for 20% using complaint data from the National Association of Insurance Commissioners (NAIC). We reviewed annual complaint indices from 2020 to 2022 (the most recent available) to identify companies with consistently satisfied policyholders.

Product diversity makes up 10% because your needs may evolve over time. We evaluated which companies offer term life, whole life, universal life, and specialized products like no-exam policies or accelerated underwriting. Companies with broader product portfolios score higher since they can serve customers across different life stages and coverage requirements.

Financial stability contributes 5% through AM Best ratings and years in business. Since you're committing to decades of premium payments, your insurer must remain financially strong throughout your term. We prioritized companies with excellent financial strength ratings that demonstrate long-term stability.

Buying process rounds out the final 5% by assessing online tools, application simplicity, and payment flexibility. We tested quote systems, reviewed policy materials, and evaluated how easily New Hampshire residents can purchase and manage coverage.

Our baseline customer profile included:

• 40-year-old nonsmoker
• Average height with a healthy weight
• Excellent health rating
• 20-year term with $250,000-$500,000 coverage

From this foundation, we modified age (young adults through seniors), gender, height, weight, tobacco use, and health ratings to gather quotes reflecting different customer situations.