Life Insurance

Prudential has US-based phone support but the automated system is complex. Policy and claims calls often require significant navigation.

MetLife has accessible phone support for life insurance policy holders. Group policy holders should use the dedicated employer line.

New York Life uses an agent-based model. Most policy holders have a dedicated agent, making this one of the easier life insurers to reach a human at.

Northwestern Mutual operates through a financial adviser model. Most policyholders have a dedicated adviser making them highly accessible - simply call your adviser directly.

Lincoln Financial sells primarily through employers and advisers. Direct customer service is accessible but the automated system is lengthy. Employer/group policies may have a dedicated HR line.

Transamerica offers term, whole and universal life insurance with US-based phone support. The automated system is moderately complex and hold times of 15–25 minutes are common. Agents are knowledgeable but the routing system can be frustrating for new callers.

Pacific Life provides life insurance and annuities primarily through financial advisers. The main service line connects quickly to knowledgeable agents. Wait times are generally short and the automated system is well-structured with a clear path to a human.

John Hancock offers life insurance and annuities with a multi-layer automated system. Human agents are reachable but wait times average 15–25 minutes. The Vitality wellness programme has its own support line. Policy changes often require written requests.

Protective Life offers term and permanent life insurance with accessible US-based phone service. The automated system is concise and agents are generally reached within a few minutes. Customer service is well-reviewed for clarity and efficiency.

AIG offers life insurance products in the US with phone support through a multi-step automated system. Routing to the right team can take several prompts and hold times of 15–25 minutes are common. Agents are professional once reached but the phone system can be confusing.