Top 3 Picks
2026 Outlook
For 2026, aging populations and digital underwriting improvements are projected to support premium growth and margin expansion across the sector. Reinsurance and annuity players may benefit from risk transfer demand, while smaller firms face potential consolidation. Sustained rates above 4% could drive ROE recovery, though regulatory scrutiny on capital requirements remains a key variable.
Complete Rankings
| Rank | Stock | Score | Price | Market Cap |
|---|---|---|---|---|
|
1
|
Globe Life Inc.
|
71.4 | $174.27 | $11.4B |
|
2
|
PRIMERICA, INC.
|
66.8 | $295.62 | $9.0B |
|
3
|
Brighthouse Financial, Inc.
|
64.8 | $53.58 | $3.0B |
|
4
|
Reinsurance Group of America, Incorporated
|
56.7 | $253.27 | $12.8B |
|
5
|
Lincoln National Corp.
|
55.7 | $45.47 | $7.6B |
|
6
|
F&G Annuities & Life, Inc.
|
55.2 | $25.04 | $4.2B |
|
7
|
MetLife, Inc.
|
53.7 | $97.62 | $54.5B |
|
8
|
Prudential Financial, Inc.
|
49.6 | $122.02 | $36.2B |
|
9
|
VOYA FINANCIAL, INC.
|
49.3 | $104.09 | $7.2B |
|
10
|
Genworth Financial, Inc.
|
44.2 | $10.35 | $3.6B |
|
11
|
Corebridge Financial, Inc.
|
42.7 | $34.47 | $17.4B |
|
12
|
Jackson Financial Inc.
|
41.4 | $140.63 | $7.1B |
In-Depth Analysis: Top Life Insurance Stocks
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 as a holding company delivering life insurance, supplemental health insurance, and annuities across three reportable segments to a broad customer base.
Globe Life demonstrates strong profitability and financial health with a 19.6% profit margin and 20.9% ROE, backed by 8.0% revenue growth that reflects efficient equity utilization.
The P/E ratio of 11.5 signals potential undervaluation relative to earnings. Combined with 20.9% ROE and 8.0% revenue growth, this supports upside potential in 2026. A Tradestie Score of 71.4/100 further highlights favorable positioning in the sector.
PRI
Primerica Inc is a provider of financial services to middle-income households in the United States and Canada. The company offers life insurance, mutual funds, annuities, and other financial products, distributed on behalf of third parties. Primerica has three main subsidiaries: Primerica Financial Services, a marketing company; Primerica Life Insurance Company, a principal life insurance underwriting entity; and PFS Investments, which …
Primerica matters in the Life Insurance sector as a specialized distributor of term life insurance and financial products to middle-income households across the US and Canada, filling a gap left by larger insurers through its independent agent network and third-party product offerings.
Primerica exhibits strong profitability with a 22.8% profit margin and 33.0% ROE, reflecting efficient operations and high returns on equity, while 8.7% revenue growth and a 12.0 P/E ratio indicate solid financial health and earnings efficiency.
Investors should consider buying PRI in 2026 given its 33.0% ROE and 22.8% profit margins that support consistent earnings growth in the middle-income segment. The 12.0 P/E paired with 8.7% revenue growth signals undervaluation and potential for multiple expansion as term life and annuity demand increases. Its 66.8/100 Tradestie Score further underscores operational resilience for long-term outperformance.
BHF
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 US provider of annuity products and life insurance distributed through independent channels and strategic partnerships. Its Annuities segment accounts for the majority of revenue, anchoring its role in retirement and protection solutions.
Brighthouse shows solid profitability with a 12.2% profit margin and 13.5% ROE, backed by an outsized 86.7% revenue growth that reflects strong segment momentum. The 4.3 P/E indicates efficient earnings conversion and potential undervaluation relative to peers.
BHF's 4.3 P/E paired with 86.7% revenue growth positions the stock for upside in 2026 as annuity demand rises with demographic trends. The 13.5% ROE and 64.8/100 Tradestie Score signal durable financial health that could support multiple re-rating if growth persists. Low valuation multiples provide a margin of safety for value investors entering the life insurance space.
RGA
Reinsurance Group of America Inc is an insurance holding company with operations in the United States, Latin America, Canada, Europe, Africa, Asia, and Australia. The core products and services include life reinsurance, living benefits reinsurance, group reinsurance, health reinsurance, financial solutions, facultative underwriting, and product development. The company's operations are divided into traditional and financial solution businesses.
RGA is a leading global life reinsurer with operations spanning the US, Latin America, Canada, Europe, Africa, Asia, and Australia, providing critical capacity for life, living benefits, group, and health reinsurance to primary insurers worldwide.
RGA reports a 5.8% profit margin and 11.7% ROE alongside 18.5% revenue growth, reflecting efficient risk management and scale in reinsurance, while its 11.1 P/E indicates attractive earnings valuation relative to returns.
RGA's 18.5% revenue expansion and diversified global footprint position it to capture rising reinsurance demand from aging populations and longevity risk in 2026. Its 11.1 P/E paired with 11.7% ROE offers value for investors seeking earnings growth without premium valuation. The Tradestie Score of 56.7/100 further supports a constructive setup as margins stabilize and international markets contribute more to profits.
LNC
Lincoln National Corp operates multiple insurance and retirement businesses. The company's operating segment includes Annuities; Retirement Plan Services; Life Insurance and Group Protection. Its products include fixed and indexed annuities, variable annuities, universal life insurance (UL), variable universal life insurance (VUL), linked-benefit UL and VUL, indexed universal life insurance (IUL), term life insurance, employer-sponsored retirement plans and services, and group …
Lincoln National Corp. matters in the Life Insurance sector as a diversified provider of annuities, retirement plan services, universal life insurance, and group protection products across its four operating segments, addressing core U.S. retirement and protection needs.
Lincoln's 12.2% profit margin and 22.6% ROE reflect strong earnings efficiency and capital returns, while 12.6% revenue growth demonstrates top-line momentum supported by a low 3.7 P/E ratio.
Investors should consider LNC in 2026 given its 22.6% ROE and 12.6% revenue growth signaling operational leverage in annuities and life products amid rising retirement demand; the 3.7 P/E offers valuation upside for a company with 12.2% margins in a stabilizing interest rate environment.
FG
F&G Annuities & Life Inc is a provider of insurance solutions serving retail annuity and life customers as well as institutional clients. Through its insurance subsidiaries, including FGL Insurance and Fidelity & Guaranty Life Insurance Company of New York it markets a broad portfolio of deferred annuities (fixed indexed annuities (FIAs) and multi-year guarantee annuities (MYGAs) or other fixed rate …
F&G Annuities & Life, Inc. matters in the Life Insurance sector as a provider of deferred annuities and life insurance products to retail customers and institutional clients via subsidiaries FGL Insurance and Fidelity & Guaranty Life Insurance Company of New York.
FG reports a 6.9% profit margin and 9.2% ROE alongside 4.2% revenue growth, indicating moderate profitability and financial health in a capital-intensive sector.
Investors should consider buying FG in 2026 given its low P/E of 7.9, which signals potential undervaluation relative to earnings. The 4.2% revenue growth and 9.2% ROE provide a stable foundation for annuity-focused expansion amid rising retirement demand.
MET
MetLife is one of the largest life insurers in the US by assets and provides a variety of life insurance and annuity products. It is organized into six segments: Group Benefits, Retirement and Income Solutions, Asia, Latin America, Europe/Middle East/Africa (EMEA), and MetLife Holdings (products in run-off). Group Benefits and RIS are US-based, contributing to around 48% of the firm's …
As one of the largest US life insurers by assets, MetLife operates across six segments including Group Benefits, Retirement and Income Solutions, Asia, Latin America, and EMEA, making it a dominant provider of life insurance and annuity products that shape sector standards and risk management practices.
MetLife's 4.6% profit margin aligns with life insurance norms amid claims volatility, while its 13.1% ROE combined with 10.5% revenue growth demonstrates effective capital deployment and segment diversification supporting overall financial stability.
MetLife's global footprint in high-growth markets like Asia and Latin America, paired with 10.5% revenue expansion, positions it to capitalize on rising retirement and annuity demand through 2026. A 13.1% ROE reflects operational leverage in Retirement and Income Solutions that could drive earnings outperformance. At a P/E of 18.5, the stock offers attractive entry for investors seeking exposure to scaled insurers with steady cash flows from Group Benefits.
PRU
Prudential Financial is one of the largest US life insurers, offering annuities, life insurance, and asset-management products. The United States and Japan are its two largest markets. Its US business contributed about 50% of adjusted 2024 earnings and includes institutional retirement (mostly pension risk transfer), individual retirement (annuities), group insurance, and individual life insurance. Its international business represented about 40% …
Prudential Financial ranks among the largest US life insurers, delivering annuities, life insurance, and asset-management products with the US and Japan as its primary markets and US operations accounting for roughly 50% of adjusted 2024 earnings.
PRU reports a 6.0% profit margin and 12.0% ROE with 14.1% revenue growth, reflecting stable earnings generation and financial health at a P/E of 11.2.
Revenue growth of 14.1% combined with a P/E of 11.2 positions PRU for attractive returns in 2026 as US institutional retirement and Japan businesses scale. The 12.0% ROE supports sustained capital returns amid sector consolidation. Investors gain exposure to a diversified life insurer trading below historical multiples relative to earnings expansion.
VOYA
Voya Financial Inc is a financial services company, which, through its subsidiaries, provides various investment, insurance, and retirement solutions to individual and institutional clients in the United States. Its products and services include tax savings plans, individual retirement accounts, group life insurance plans, and employee benefits products, among others. The company tailors each of its products to the needs of …
Voya Financial provides retirement solutions, tax-advantaged plans, and IRAs to US individuals and institutions through its insurance and investment subsidiaries, supporting long-term savings in a sector where demographic shifts drive demand for annuities and defined contribution products.
Voya's 7.4% profit margin and 9.6% ROE reflect moderate earnings efficiency, while the -4.3% revenue decline signals top-line pressure; the 17.7 P/E ratio indicates the market prices these results at a standard multiple without premium for growth.
At a 17.7 P/E and 49.3/100 Tradestie Score, VOYA offers entry at normalized valuation for a retirement-focused insurer that can benefit from 2026 IRA and 401(k) inflows as baby boomers extend contribution periods. Reversal of the -4.3% revenue trend through product mix shifts toward higher-margin annuities could lift ROE above 9.6% and expand margins beyond 7.4%. Institutional asset retention and tax-advantaged plan scale provide a stable base for earnings compounding if interest rates stabilize.
GNW
Genworth Financial Inc is a diversified insurance holding company that provides various mortgage and life insurance products. The company has three main operating business segments: Enact, Life and Annuities segment and Long-Term Care Insurance. The company's product portfolio includes various financial products such as traditional life insurance, mortgage insurance, fixed annuities, and variable annuities. Majority of the revenue is generated …
Genworth Financial operates three core segments—Enact mortgage insurance, Life and Annuities, and Long-Term Care Insurance—making it a material participant in the U.S. life and protection insurance market with a diversified product set that addresses mortgage, mortality, and longevity risk.
Genworth’s 2.9% profit margin and 3.4% ROE reflect subdued returns, while 5.3% revenue growth and a 20.0 P/E ratio indicate the market is pricing modest earnings expansion without strong capital efficiency.
A sustained 5.3% revenue trajectory combined with potential margin expansion above 2.9% from Enact scale and life/annuities repricing could lift ROE toward sector norms by 2026. At a 20.0 P/E, the stock offers entry valuation that would re-rate if long-term care loss ratios stabilize. Investors may view GNW as a leveraged play on housing activity and demographic-driven demand for protection products.
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.