High coverage no-medical-exam life insurance available: A number of Penn Mutual policies can be opened without a medical exam for coverage up to $7.5 million, and coverage may be approved the same day.New York Life comes in a close second with 169 straight years of life insurance dividend payments. Strong dividend-paying history: The company has the longest dividend-paying history of the 91 life insurance companies we reviewed.Other companies may require you to convert within the first 10 years of the policy. You can also convert the death benefit to permanent coverage during the term period selected, up to 20 years, or until you turn 70, whichever happens first. This is a nice feature compared to some companies that don’t make their entire portfolios available for term conversion. ![]()
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