Top 10 Life Insurance Companies Parents Should Look Into

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For many people who buy life insurance, the top priority is getting the lowest rates possible.

In fact, according to a study by research firm LIMRA, the top reason people don’t buy life insurance is they believe it’s too expensive.

Unfortunately, getting a cheap rate doesn’t always mean you’re getting a good deal. It’s important to consider the provider’s customer service, financial strength, and product selection.

The top 10 life insurance companies listed below have the best mix of those factors.

What to look for in a life insurance company

As you compare quotes from different life insurance companies, take a little extra time to compare the following elements.

Customer service

The best way to gauge customer service is to review surveys and complaints. For example, J.D. Power releases an annual study that ranks the top life insurance companies based on customer satisfaction.

The study compares the following factors:

  • Interaction with customers
  • Policy offerings
  • Price
  • Annual statement and billing
  • Overall satisfaction

To review complaints, go to the National Association of Insurance Commissioners website. You also can search for the insurer on your local Better Business Bureau website to find complaints and reviews. Reading individual complaints can help you understand whether an insurer has issues in areas that are important to you.

Financial strength

Depending on the type of life insurance policy you choose, you could pay premiums for decades, so it’s important to choose a company that will be around that long and can pay out future claims.

Rating agencies A.M. Best, Standard & Poor’s (S&P), Fitch, and Moody’s provide financial ratings for the top life insurance companies and more. Each has its own rating structure that gives investors and consumers a good idea of a company’s financial strength.

Price

Each life insurance company determines prices differently. Even the top life insurance companies might have different ways of calculating premiums.

Avoid falling victim to the idea that bundling your life insurance with your homeowners or car insurance to get a lower price is always best. In some situations, it might work out, but remember that price is just one important factor to consider.

As with any financial product, compare policies from different providers to make sure you’re getting a good rate.

Product selection

There’s no one-size-fits-all policy. Different needs require different policy structures and term lengths. Make sure you understand the different types of life insurance and which one is best for you. Then, pick a company that offers the type you need.

The top 10 life insurance companies

The top life insurance companies and policies will vary from person to person based on needs and preferences. That said, we’ve put together a list of companies that stand out based on the criteria above. Here they are, in alphabetical order.

1. Guardian Life

Guardian, which was founded in 1860, has been around for more than 150 years. It offers standard term and permanent life insurance policies and ranked around the middle of the pack in terms of its customer satisfaction score in J.D. Power’s 2016 study.

Guardian also offers other products and services. For example, you can apply for disability and dental insurance and set up annuities and other investments.

What’s more, Guardian, like many companies on this list, is a mutual company. That means it is owned by its policyholders and pays dividends to them each year. They also get to vote for the company’s board of directors.

The insurer received one of the top three ratings from each of the four financial rating agencies for the insurance sector:

  • A.M. Best: A++
  • Fitch: AA+
  • Moody’s: Aa2
  • S&P: AA+

Guardian doesn’t allow you to request a quote online. Instead, it suggests you search for a financial representative or request one contacts you.

2. MassMutual

Founded in 1851, MassMutual offers several standard life insurance policies, including guaranteed acceptance, a type of term policy that doesn’t require a medical exam.

The insurer also offers disability, long-term care, and Medicare supplement insurance as well as a wide selection of other investment products and services.

MassMutual ranked in the top five life insurance companies in J.D. Power’s customer satisfaction study. It received above-average marks for its customer service interactions. It also received strong financial ratings from the rating agencies:

  • A.M. Best: A++
  • Fitch: AA+
  • Moody’s: Aa2
  • S&P: AA+

As its name suggests, MassMutual is a mutual company. To get quotes for coverage, you can work with a MassMutual agent or apply online (term insurance only).

3. MetLife

MetLife offers both term and permanent life insurance policies, including guaranteed acceptance. The insurer, which has been around since 1868, also can help you with other insurance needs, including the following:

  • Auto
  • Home
  • Dental
  • Disability
  • Vision
  • Accident and health
  • Pet

Previously a mutual company, MetLife demutualized in 2000 and converted to a stock insurance company. That means stockholders, not policyholders, receive any annual dividends the insurer issues. Policyholders also don’t have any voting rights.

According to J.D. Power, MetLife received an average overall rating from customers. However, its easy-to-understand billing system was above average.

MetLife also received strong financial ratings:

  • A.M. Best: A+
  • Fitch: AA-
  • Moody’s: Aa3
  • S&P: AA-

To get a quote from a MetLife, you need to reach out to an agent directly or enter your information on the company’s website to have an agent contact you.

4.  Mutual of Omaha

A young buck compared to some of the other insurance companies on this list, Mutual of Omaha nonetheless has more than 100 years of experience under its belt.

Founded in 1909, the insurer offers term and permanent insurance policies. You also can get other types of insurance and financial services, including:

  • Accidental death insurance
  • Disability insurance
  • Medicare supplement insurance
  • Long-term care insurance
  • Critical illness insurance
  • Cancer, heart attack, and stroke insurance
  • Annuities
  • Investments
  • Mortgages
  • Banking

The insurer received average customer satisfaction across the board from J.D. Power. It also received good financial ratings from the top rating agencies:

  • A.M. Best: A+
  • Moody’s: A1
  • S&P: AA-

Mutual of Omaha is a mutual company, so its policyholders receive annual dividends. You can request a quote for both term and whole life insurance through the insurer’s website.

5. Nationwide

Founded in 1925, Nationwide offers a slew of insurance and financial products. If you need insurance of any kind, it’s likely Nationwide offers it. And if you like having everything in one place, you can also invest, bank, and borrow through the company.

Nationwide offers both term and permanent insurance policies. It also received good ratings for financial strength, even if it ranked just below some of the other companies on this list:

  • A.M. Best: A+
  • Moody’s: A1
  • S&P: A+

For customer satisfaction, Nationwide ranked second on J.D. Power’s 2016 list of life insurance providers. According to customers, the insurer was better than most in all areas.

To get a quote for life insurance, you can call Nationwide at 1-844-538-9998 or search for an agent online.

6. New York Life

Another old giant in the industry, New York Life was founded in 1845 as Nautilus Insurance Company. The insurer offers term and permanent life insurance as well as long-term care insurance. You also can invest for retirement and other goals with annuities, mutual funds, and more.

New York Life’s strong suit is its financial stability. Three of the four rating agencies gave the insurer their highest financial strength ratings:

  • A.M. Best: A++
  • Fitch: AAA
  • Moody’s: Aaa
  • S&P: AA+

New York Life ranked among the top 10 life insurance companies in J.D. Power’s customer satisfaction study, with average ratings across the board. It’s also a mutual company and pays annual dividends to policyholders.

To apply for a policy, you’ll need to work with a New York Life agent. You can do that by searching for local agents or sharing your information with the insurer online to have an agent contact you.

7. Northwestern Mutual

Like some other insurance companies, Northwestern Mutual offers much more than life insurance. In addition to term and permanent life policies, its products and services include:

  • Disability insurance
  • Long-term care insurance
  • Annuities
  • Investments
  • Education funding

The company was founded in Milwaukee in 1857, back when Wisconsin was considered the northwestern United States. It ranked third in J.D. Power’s customer satisfaction study, with above-average ratings across the board.

Like New York Life, it received the highest possible financial strength ratings from three of the four agencies:

  • A.M. Best: A++
  • Fitch: AAA
  • Moody’s: Aaa
  • S&P: AA+

Northwestern Mutual is a mutual company and pays dividends to its policyholders annually. You can get a quote and apply for life insurance through a Northwestern Mutual agent only. Simply do a quick internet search for one in your area.

8. Pacific Life

Founded in 1868, Pacific Life is a mutual company that offers several products, including life insurance, annuities, and mutual funds.

The insurer ranked seventh overall in J.D. Power’s customer satisfaction study. However, it’s one of only two companies on the list that received top marks for its customer service interaction.

Pacific Life didn’t receive the best financial ratings, but it remained in a strong financial position:

  • A.M. Best: A+
  • Fitch: A+
  • Moody’s: A1
  • S&P: AA-

To get a quote for life insurance, search the insurer’s website to find an agent in your area.

9. Principal Financial Group

Primarily an investment management company, Principal began in 1879 as Bankers Life Association. Over the years, the company has expanded its products and services to the following:

  • Life insurance
  • Disability insurance
  • Estate planning
  • Trusts
  • Individual retirement accounts
  • Annuities
  • Mutual funds

Principal earned a high rank in J.D. Power’s customer satisfaction study, standing out for its customer service interactions. As a publicly traded stock company, it does not offer annual dividends to its policyholders. It received the following financial ratings:

  • A.M. Best: A1
  • Fitch: A+
  • Moody’s: A+
  • S&P: AA-

To get a quote for life insurance, fill out some information about yourself and your needs on the insurer’s website.

10. State Farm

State Farm took the top spot in J.D. Power’s study, as customers ranked State Farm the best in every single category.

The mutual insurance company started insuring cars in 1922 but now offers more than 100 products and services, including insurance, banking, loans, credit cards, and investing.

State Farm boasts top financial strength ratings, but it doesn’t share any details. Instead, it recommends that you reach out to an agent to get more information. To get a quote, simply fill out some information online.

Which of the top 10 life insurance companies should you pick?

It’s not easy to choose between two insurance companies that seem similar. As you’re comparing the top 10 life insurance companies, review what matters most to you.

Consider how much insurance you need and how each company can accommodate that need. Then, pick the insurer that offers the best all-around products and services that fit those needs.

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1 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 6.97% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 6.30% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.


2 Important Disclosures for Laurel Road.

Laurel Road Disclosures

APR stands for “Annual Percentage Rate.” Rates listed include a 0.25% EFT discount, for automatic payments made from a checking or savings account. Interest rates as of 11/8/2018. Rates subject to change.

Variable rate options consist of a range from 3.27% per year to 6.09% per year for a 5-year term, 4.64% per year to 6.14% per year for a 7-year term, 4.69% per year to 6.19% per year for a 10-year term, 4.94% per year to 6.44% per year for a 15-year term, or 5.19% per year to 6.69% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.27% per year to 6.09% per year for a 5-year term would be from $180.89 to $193.75. The monthly payment for a sample $10,000 loan at a range of 4.64% per year to 6.14% per year for a 7-year term would be from $139.65 to $146.76. The monthly payment for a sample $10,000 loan at a range of 4.69% per year to 6.19% per year for a 10-year term would be from $104.56 to $111.98. The monthly payment for a sample $10,000 loan at a range of 4.94% per year to 6.44% per year for a 15-year term would be from $78.77 to $86.78. The monthly payment for a sample $10,000 loan at a range of 5.19% per year to 6.69% per year for a 20-year term would be from $67.05 to $75.68.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.


3 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance: Fixed rates from 3.899% APR to 7.979% APR (with AutoPay). Variable rates from 2.470% APR to 6.990% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.470% APR assumes current 1 month LIBOR rate of 2.30% plus 0.91% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
  2. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

4 Important Disclosures for LendKey.

LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.


5 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.28% effective October 10, 2018.


6 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of November 1, 2018, the one-month LIBOR rate is 2.29%. Variable interest rates range from 2.79%-8.39% (2.79%-8.39% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a cosigner. Fixed interest rates range from 3.75%-8.69% (3.75%-8.69% APR) based on applicable terms, level of degree earned and presence of a cosigner. Lowest rates shown require application with a cosigner, are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.
  2. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.
  3. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a cosigner who is a U.S. citizen or permanent resident. The cosigner (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a cosigner will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned.
  4. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
  5. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
  6. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply.

2.47% – 6.99%3Undergrad
& Graduate

Visit SoFi

2.47% – 6.30%1Undergrad
& Graduate

Visit Earnest

2.51% – 8.09%4Undergrad
& Graduate

Visit Lendkey

3.02% – 6.44%2Undergrad
& Graduate

Visit Laurel Road

2.69% – 7.21%5Undergrad
& Graduate

Visit CommonBond

2.79% – 8.39%6Undergrad
& Graduate

Visit Citizens

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