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Meet America's Best Insurance Companies 2027. ByHaniya Rae, Contributor. Haniya Rae is a freelance journalist covering lists for Forbes. Sep 15, 2026, 09:45am EDT Updated Sep 15, 2026, 06:08pm EDT The increasing use of AI chatbots across the insurance industry may serve to quickly analyze customer data, assess claims and provide basic answers, but for some customers, talking directly with an AI chatbot can feel stilted, says Jonathan Ernest, an assistant professor of economics at Case Western Reserve University's Weatherhead School of Management. A chatbot won't have the same empathetic response that a human agent would, and might even cause the customer to value the company less, says Ernest, who has experience as an insurance industry analyst. "There's a lot of concern over the proper level of investment [in AI] companies are going to have to decide on." The Savings Bank Mutual Life Insurance Company of Massachusetts (SBLI) has addressed this concern in part by providing customers with a virtual assistant tool that can quickly connect customers to a live representative if they choose. "We prioritize making people feel heard, supported and confident in the decisions they're making," says Rose Conneely, SBLI's senior vice president and chief operating officer. "Sometimes that is a faster digital experience that's easier to understand and navigate. Other times it means having a real person available to advise and help." SBLI's ability to meet customers where they are is one of the reasons the insurer earned top rankings (No. 2 for permanent life insurance and No. 5 for term life insurance) on Forbes' list of America's Best Insurance Companies 2027. The ranking, which Forbes produced in partnership with Statista for the sixth straight year, recognizes the best insurers in the United States categorized by five insurance types: homeowners, renters, auto, permanent life and term life. The winners were determined through an independent survey conducted throughout June 2026 that included more than 18,000 people across the U.S. who reported having an insurance policy in one of those five categories within the last three years. Survey participants were asked how satisfied they were with their insurer, how loyal they felt toward the company and how likely they were to recommend it overall. Respondents were also asked to rate their insurance provider based on these criteria: customer service, advice given, price, transparency, digital services and damage service. Ratings for each insurance type were calculated, and the 112 insurers with the highest scores were awarded. For more on the methodology, see below. Customers of Amica, which ranked No. 2 for homeowners insurance, No. 8 for auto, No. 3 for renters, and No. 2 for term life, rave about the company's services, with many staying loyal for years or even decades, as evidenced by one recent customer review on the platform Trustpilot: "We have been with Amica Insurance since 1967 for Auto and Home insurance," writes the customer. "Every phone call has been responsive with courtesy and promptness in followup on the issue or claim. Every claim has been handled with professionalism and efficiency." Kristin Abdel-Aziz, vice president and director of communications for Amica, adds, "Amica customers stay with us for an average of 18 years and we have a 98% retention rate among customers who bundle their home and auto policies with us." Another reason for the long-term appeal, suggests Abdel-Aziz, is that the company operates as a mutual insurer, which means policyholders jointly own part of the company and can help determine coverage decisions and vote on management - and may receive profits from insurance sales in the form of dividends or reduced rates on their policies. Thrivent, which ranked No. 12 for permanent life insurance and No. 3 for term life insurance, also falls into the mutual insurance category, and offers financial services and banking along with disability income insurance. This year, the century-old company gave $590 million back to clients through dividends and nonguaranteed policy enhancements, says David Royal, Thrivent's chief financial and investment officer. Strong returns may be one reason why Thrivent has an estimated policy lapse rate of about 2% when compared with other similar insurers, says Royal: "That means most policyholders choose to stay with Thrivent," which Royal also attributes to the strong relationships between policy holders and their advisors. Policyholders at COUNTRY Financial often say that they feel their needs are tailored to, says Andrea Thorpe, an executive vice president and chief experience officer, especially those who are recovering from a loss or supporting loved ones or elderly parents. COUNTRY Financial ranked No. 23 for homeowners insurance, No. 23 for auto insurance, No. 2 for renters, No. 7 for permanent life and No. 4 for term life. The company, which has its roots as a farming and agriculture speciality insurer, works across 19 states and recently reduced its auto insurance rates in Oklahoma by 15%, despite insurance costs rising across the country. In a recent internal customer service satisfaction survey, Thorpe says they saw high satisfaction with how auto claims are handled, with 90% of recent customer claims saying the process was easy. "These results reinforce our commitment to delivering personalized service, simplifying the insurance experience and being there for our clients when they need us most," says Thorpe. Ranking No. 3 for permanent life insurance, Prosperity Life Group offers universal life insurance and annuities, though recently-appointed CEO Michael Ferik, says the company is currently expanding its retail offerings to make it even more competitive among similar insurance companies and help strengthen returns for policyholders. "Having the opportunity to support families across the country with critical financial planning solutions has already been so rewarding and will continue to be our focus and driving ambition," says Ferik. To find other insurers that are supporting their policyholders across the country, check out Forbes list of America's Best Insurance Companies 2027. Methodology. America's Best Insurance Companies 2027 - produced in partnership with market research firm Statista - was based on survey responses from more than 18,000 people across the United States who reported having an insurance policy within the last three years in at least one of five categories: homeowners, renters, auto, permanent life and term life. Survey participants were asked how satisfied they were with their insurer, how loyal they felt toward the company and how likely they were to recommend it to others. Respondents were also asked to rate their insurance providers on such criteria as the advice agents offered, customer service, cost, company transparency, digital services and damage services. The survey results were then tallied and combined with responses from the last two years (which received lower weights) so that the scores would reflect performance over time. The companies with the highest scores made our rankings. (The list lengths vary for each insurance type because each list is dependent on the number of evaluations collected, the final score and the size of that insurance market.) Ultimately, out of more than 3,100 eligible U.S. insurance companies, a total of 112 insurers were recognized in one or more categories (45 companies were awarded in homeowners insurance, 28 in renters insurance, 37 in auto insurance, 53 in permanent life insurance and 32 in term life insurance). The full list of America's Best Insurance Companies 2027 is presented directly below. As with all Forbes lists, companies do not pay to participate or be selected. To read more about how we make these lists, click here. For questions about this list, please email listdesk [at] forbes.com.

COUNTRY Financial selected as a PropertyCasualty360 2026 Insurance Luminaries winner. Sunnyvale, CA (July 20, 2026): eGain (NASDAQ: EGAN), the leader in AI-powered knowledge management for customer service, today congratulates its customer COUNTRY Financial for being named to PropertyCasualty360's Insurance Luminaries Class of 2026 in the category of Excellence in Customer Experience for Insurance Carriers. COUNTRY Financial is an Illinois-based insurance and financial services provider serving more than one million households. The award recognizes COUNTRY Financial's commitment to delivering excellent client experiences and investment in knowledge management to ensure accessibility, efficiency, and personalized guidance. This recognition celebrates innovation in the property and casualty insurance industry. The awards program spotlights top professionals and organizations within the sector that strive to modernize and humanize the business. The 2026 winners were selected by a panel of industry experts based on how well they stated and achieved goals with regards to the nomination category; how impactful their work has been; how dedicated the nominee has been to furthering modernization and humanization in the P&C insurance business; and how committed and dedicated the nominee has been to high ethical standards, service and excellence. "This year, the team behind PropertyCasualty360.com was thrilled to scale up our annual professional recognition program to more accurately reflect the depth and breadth of the P&C insurance industry," says Editor-in-Chief Elana Ashanti Jefferson. "People outside of insurance often fail to recognize the history, mission, technology, heart and smarts that are the underpinning of this industry. That's why I am doubly excited to spotlight more individuals and organizations through the 2026 Insurance Luminaries Awards program and inaugural event. These awards pay homage to the critical work around making insureds whole after a major loss while also empowering innovation and modernization to address ever more complex risks and consumer demands." COUNTRY Financial has partnered with eGain for the past ten years to build a centralized, enterprise-wide knowledge platform powered by eGain's AI Knowledge Hub. The platform gives representatives fast, reliable access to the processes, policies, and guidance they need to resolve client questions accurately and consistently. "We're honored by this recognition, because it reflects something our representatives live out every day - showing up for our clients with clarity and care," said Jesse Kohlbecker, Vice President of Claims and Client Services of COUNTRY Financial. "None of that happens without the right foundation behind it, and our partnership with eGain has given our teams the confidence to get things right, conversation after conversation." About eGain. eGain (NASDAQ: EGAN) is a leading provider of AI-powered knowledge management and customer experience automation solutions. With over 25 years of experience in knowledge management, eGain helps enterprises unify siloed content, automate trusted knowledge workflows, and deliver measurable AI-ROI through proven frameworks and methods. Global 2000 companies across industries rely on eGain to transform customer service, improve employee productivity, reduce costs, and accelerate AI adoption. Visit www.eGain.com for more information. eGain, the eGain logo, and all other eGain product names and slogans are trademarks or registered trademarks of eGain Corp. in the United States and/or other countries. All other company names and products mentioned in this release may be trademarks or registered trademarks of the respective companies. Contact.