What AI said about life insurance companies in the United States in November 2026

For most U.S. families, I’d start with a 20- or 30-year level-term policy, then choose the insurer after comparing quotes. Term insurance is designed to provide lower-cost coverage for a set period; whole life costs more but can provide lifelong coverage and cash value. There isn’t one company that’s cheapest or best for every applicant. (content.naic.org)

My shortlist

Practical next step: Get quotes for the same coverage amount and term from Nationwide, State Farm, Banner and Protective; add Mutual of Omaha or Pacific Life if their options fit. Compare the final underwritten premium—not just the initial estimate—plus conversion rights and the issuing insurer’s financial strength. Size the policy around income your family would lose, debts, and future costs such as childcare or education. (content.naic.org)

There isn't one best company. The right pick depends on the type of policy you want. These names come up repeatedly across the major review sites.

Names that appear on most lists

• New York Life: Yahoo Finance ranks it best overall. NerdWallet rates it 4.9 and calls it best for seniors, and Insure.com ranks it tied for 2nd.
• MassMutual: Yahoo Finance calls it best for financial stability. NerdWallet picks it for best whole life, and CBS News also calls it best for whole life.
• Northwestern Mutual: NerdWallet names it best for universal life. CNBC Select calls it best for dividends, and Insure.com puts it at the top of its 2026 rankings.
• Guardian Life: Insure.com places it among its top three. CNBC Select calls it best for living benefits.
• State Farm: It's a good choice if you want an agent. CBS News calls it best for term life, and Money.com cites its customer service reputation.

Best for term life, usually the cheapest and most common choice

• Banner Life: MoneyGeek ranks it first for term life. LifeInsure.com says it has consistently low pricing.
• Pacific Life: It's often the top pick for Preferred Plus health ratings. It also offers high coverage limits, up to $65 million.
• Protective Life: It's noted for strong 30–40 year term options.

Best for no-exam or online coverage

• Ladder: Money.com names it best for flexible coverage.
• Ethos: Money.com calls it best for same-day coverage.
• Lemonade: NerdWallet rates it best for instant life insurance.
• Nationwide: MoneyGeek rates it best for no-exam coverage.

Other options

• USAA: It's for military members and their families. NerdWallet names it best for veterans.
• Mutual of Omaha: CBS News calls it best overall.
• Final expense or guaranteed issue: MoneyGeek picks Physicians Mutual for guaranteed issue and Transamerica for final expense.

How to choose

1. Most people need term life. It's cheap and covers you for a set period, such as 20–30 years while you have a mortgage and kids at home. Get quotes from Banner, Pacific Life, Protective, and State Farm.
2. Permanent coverage (whole or universal life) costs much more. If you want it, the mutual companies are the usual choice: New York Life, MassMutual, Northwestern Mutual, and Guardian.
3. Compare several quotes. Rates vary widely by health and age, and an independent broker such as Policygenius can shop many insurers at once.
4. Check financial strength. Look for an A or better rating from AM Best.

These lists are partly based on editorial judgment, and some of the sites earn referral fees. Treat them as a starting shortlist and compare real quotes for your own age, health, and coverage amount.

When evaluating the best life insurance companies in the United States, the top choices consistently combine financial strength (ability to pay claims decades into the future) and customer satisfaction (smooth underwriting, clear communication, and high J.D. Power ratings).

Because everyone’s financial needs differ, the "best" company depends on whether you are looking for low-cost term coverage, permanent whole life insurance, fast digital approval, or coverage for a pre-existing condition.

1. Northwestern Mutual

• Best For: Overall financial stability and whole life insurance.
• A.M. Best Rating: A++ (Superior — the highest possible).
• Why People Use It: Northwestern Mutual is the largest life insurer in the U.S. by market share. As a mutual insurer, policyholders are part-owners and eligible to receive annual policy dividends (which can be used to pay premiums or increase policy value).
• Key Offerings: Custom Whole Life, Term Life, and Variable Universal Life.

2. State Farm

• Best For: Customer satisfaction and bundling discounts.
• A.M. Best Rating: A++ (Superior).
• Why People Use It: State Farm consistently ranks at or near the top of J.D. Power’s U.S. Individual Life Insurance Study. If you already have home or auto insurance with State Farm, bundling your life insurance policy can yield significant multi-policy discounts.
• Key Offerings: Select Term, Return of Premium Term, and Whole Life.

3. Mutual of Omaha

• Best For: Seniors, final expense, and high customer satisfaction.
• A.M. Best Rating: A+ (Superior).
• Why People Use It: A household name in America, Mutual of Omaha consistently scores high in customer service and offers low-friction approval for older adults. It is one of the top providers for guaranteed-issue whole life insurance (no medical exam required).
• Key Offerings: Guaranteed Whole Life (Final Expense), Term Life, and Accidental Death Coverage.

4. New York Life

• Best For: Traditional whole life and long-term financial backing.
• A.M. Best Rating: A++ (Superior).
• Why People Use It: New York Life is the nation's largest mutual life insurance company and has been operating for over 175 years. It is widely used by families looking for legacy wealth planning, cash-value growth, and customized policy riders (like chronic care or disability waivers).
• Key Offerings: Whole Life, Custom Universal Life, and Variable Universal Life.

5. Legal & General America (Banner Life / William Penn)

• Best For: Affordable, straightforward term life insurance.
• A.M. Best Rating: A+ (Superior).
• Why People Use It: Banner Life is known for offering some of the lowest term life insurance rates in the country, especially for healthy individuals in their 20s, 30s, and 40s. They offer flexible terms up to 40 years.
• Key Offerings: OPTerm (10 to 40-year term options).

6. Prudential (Pruco)

• Best For: Applicants with pre-existing medical conditions or specific lifestyle risks.
• A.M. Best Rating: A+ (Superior).
• Why People Use It: Prudential’s underwriting team is exceptionally flexible for applicants with health issues such as high blood pressure, diabetes, past cancer history, or even higher-risk hobbies (like scuba diving or aviation).
• Key Offerings: Term Essential, Universal Life, and Index Universal Life (IUL).

7. Nationwide

• Best For: Digital experience, service, and Universal Life policies.
• A.M. Best Rating: A+ (Superior).
• Why People Use It: Nationwide ranks extremely high in J.D. Power individual life insurance customer studies, earning top scores for ease of doing business, digital tools, and service clarity.
• Key Offerings: Nationwide YourLife Term, Indexed Universal Life, Long-Term Care riders.

8. Ethos & Haven Life (Modern Fast-Approval Options)

• Best For: Fast, digital-first applications with no medical exam.
• Why People Use Them: If you want to skip an in-person nurse visit and get approved within 10–15 minutes online, modern insurtech platforms like Ethos or Haven Life use algorithmic underwriting. Policies are backed by long-standing carriers (such as MassMutual or Legal & General).

Which Policy Type Do Most People Actually Buy?

1. Term Life Insurance (Most Popular):
   • How it works: Covers you for a set period (10, 20, or 30 years). If you pass away during the term, your beneficiaries receive a tax-free payout.
   • Best for: Most families, mortgage protection, and income replacement. It is by far the most affordable option.
2. Whole / Permanent Life Insurance:
   • How it works: Lasts your entire life and builds a cash value component that grows tax-deferred.
   • Best for: High-net-worth estate planning, lifelong dependents, or people looking to supplement retirement via cash value.

Tips Before Buying

• Check the A.M. Best Rating: Stick to companies rated A or higher to ensure they are financially healthy enough to pay out claims decades from now.
• Use an Independent Broker: Sites like Policygenius, SelectQuote, or local independent agents let you compare quotes across 10+ top brands at once so you don't overpay.
• Lock in Rates Early: Life insurance premiums increase by roughly 8% to 10% every year you age, so locked-in term rates are best purchased as early as possible.

The best U.S. life-insurance companies depend on the policy type, health profile, age, and whether you value low price, financial strength, or convenience. The most consistently recommended mainstream brands are MassMutual, Nationwide, Mutual of Omaha, State Farm, New York Life, Guardian, USAA, Protective, and Pacific Life.

Best companies by need

Practical recommendations

• For most working-age families: Start with quotes from Protective, Banner Life, State Farm, Nationwide, and Mutual of Omaha for a level-term policy. Term insurance is usually the most cost-effective way to replace income, cover a mortgage, and fund children’s needs.
• For permanent insurance: Compare MassMutual, New York Life, Guardian, and Northwestern Mutual. Buy whole or universal life only when there is a specific permanent need—such as estate planning, lifelong dependents, or business succession.
• For a healthy applicant seeking the lowest premium: Use an independent broker to compare several insurers rather than choosing solely by brand. The cheapest company for one applicant may be expensive for another.
• For a quick online policy: Consider Ethos or Ladder, but compare coverage limits, exclusions, conversion rights, and whether the policy is fully underwritten.
• For older applicants or final expenses: Examine Mutual of Omaha, State Farm, and Transamerica, while checking graded-benefit periods and the total premiums relative to the death benefit.

What to check before buying

1. Financial strength: Check the insurer’s current ratings from A.M. Best, Moody’s, S&P, or Fitch.
2. Policy type: Compare level term, whole life, universal life, and guaranteed-issue policies separately.
3. Conversion privilege: For term insurance, confirm whether and when it can be converted to permanent coverage without a new medical exam.
4. Living benefits and riders: Review accelerated-death-benefit, waiver-of-premium, child, spouse, and long-term-care riders.
5. Illustrations and guarantees: For permanent insurance, distinguish guaranteed cash values from non-guaranteed projections.
6. State availability: Products, underwriting rules, and coverage limits vary by state and applicant.

Bottom line: For a typical U.S. consumer, obtain term-life quotes from Protective, Banner Life, State Farm, Nationwide, and Mutual of Omaha. For permanent coverage, begin with MassMutual, New York Life, Guardian, and Northwestern Mutual; for online/no-exam convenience, compare Ethos, Ladder, and Nationwide.

There’s no single “best” U.S. life insurer — it depends on whether you want cheap term life, permanent coverage, no-exam underwriting, final-expense coverage, or military-specific service. But here’s a practical short list of brands/products Americans actually use, organized by need.

Top traditional brands people commonly use

• Northwestern Mutual — Strong for whole life and long-term permanent coverage; excellent reputation, large agent force, but usually expensive.
• New York Life — Very strong mutual insurer; whole life, term, and annuity products; big agent network and high financial-strength ratings.
• MassMutual — Strong whole life/term/permanent options; also owns/operates Haven Life for direct term in some cases.
• Guardian — High-quality whole life and disability insurance; expensive but well-regarded.
• State Farm — Very common for bundling auto/home/life; convenient local agents; term and whole life; not always cheapest.
• MetLife — Huge group-life insurer through employers; individual life available through agents.
• Prudential — Term, universal, and group life; broad brand and strong financial strength.
• Pacific Life — Competitive term and universal/indexed universal life for larger coverage needs.
• Lincoln Financial — Term, universal life, and executive/group benefits; strong for permanent coverage.

Best-known for cheap term life through independent brokers

• Banner Life / Legal & General America — Often very competitive term rates.
• Protective — Competitive term and universal life.
• Principal — Solid term/permanent options through brokers.
• Pacific Life — Good for larger term/UL cases.
• MassMutual — Strong term with conversion options, though not always cheapest.

Best-known no-exam / digital term life

• Ladder — Flexible term amounts and terms; fast online process where available.
• Ethos — Quick online term application, no-exam options for many healthy applicants.
• Haven Life by MassMutual — Direct-to-consumer term where available; good if you want MassMutual backing.
• Policygenius — Not an insurer, but a common marketplace to compare term quotes from multiple carriers.

Best for military families

• USAA — Highly regarded by military community; life policies available to eligible members; strong service reputation.

Best-known for final expense / seniors

• Mutual of Omaha — Common final-expense and term carrier.
• Foresters — Final expense and whole life; fraternal benefits.
• Gerber Life — Guaranteed-issue final expense; easy to get but often costly per dollar of coverage.
• Colonial Penn — Widely advertised guaranteed acceptance; convenient but usually expensive — compare carefully.

Practical recommendation for most Americans

1. If you’re healthy and want the most coverage for the lowest cost, get 10-, 20-, or 30-year level term quotes from an independent broker/marketplace — compare Banner/Legal & General, Protective, Principal, Pacific Life, MassMutual, and State Farm.
2. If you want permanent coverage/whole life, talk to Northwestern Mutual, New York Life, MassMutual, or Guardian — but compare illustrations and costs.
3. If you want speed/no exam, check Ladder, Ethos, and Haven Life.
4. If you’re older or have health issues, compare Mutual of Omaha, Foresters, and Gerber/Colonial Penn — but watch costs.
5. Always verify the insurer’s AM Best/A.M. Best financial-strength rating, state availability, complaint history, and conversion/riders.

In the U.S., the “people actually use” leaders are still State Farm, Northwestern Mutual, New York Life, MetLife, Prudential, MassMutual, and Lincoln Financial, while Banner, Protective, Ladder, Ethos, and Policygenius are common for term-life shopping. This is general information, not financial advice — compare quotes and talk to a licensed U.S. agent before buying.

The "best" life insurance companies in the US depend on your specific needs—such as term vs. permanent coverage, desire for no medical exam, online convenience, bundling with auto/home policies, customer service, or strong financial ratings for long-term claims-paying ability. Factors like age, health, coverage amount, and location also affect pricing and availability.

Popular and highly rated options that people actually use (based on market share, customer satisfaction surveys like J.D. Power, and expert reviews) include a mix of large mutual companies with strong financials and more modern/online-focused providers. Most top carriers hold strong AM Best ratings (A or better, often A++ for superior financial strength).

Top-Rated and Widely Used Companies

Here are frequently recommended standouts from 2026 reviews and data:

• Mutual of Omaha — Often ranked as best overall or strong for term life, no-exam/simplified issue policies, seniors, and final expense coverage. It scores well in customer satisfaction (3rd in J.D. Power’s 2026 Individual Life study at 680/1000) and offers flexible options like Term Life Answers. Widely accessible online or via agents.

• State Farm — Excellent for term life and bundling with auto/home policies (a major reason many Americans choose it). High customer satisfaction (2nd in J.D. Power 2026 at 692) and strong local agent support. Good financial ratings and simplified-issue options.

• Nationwide — Tops J.D. Power’s 2026 study (701) for individual life insurance. Strong for bundling discounts, no-exam options, and overall customer experience. Solid market presence.

• Northwestern Mutual — One of the largest by market share/premiums and a leader for whole life/permanent insurance with strong dividends and customization. Holds top-tier A++ financial ratings and appeals to those seeking advisor-led planning.

• MassMutual and New York Life — Both excel in whole life insurance, with excellent financial strength (often A++) and low complaint volumes. They rank among the largest by market share and are popular for permanent coverage and financial planning.

• Ethos and Ladder — Standouts for fast, no-medical-exam or fully online term coverage. Ethos is frequently praised for quick approvals (including for older applicants), while Ladder offers flexibility like adjustable coverage. Good for tech-savvy buyers wanting simplicity.

Other notables include Pacific Life (strong for universal life and reliability), Protective/Banner Life (competitive term rates and no-exam options), and USAA (highly rated for eligible military members/families).

Market Leaders People Actually Use

Largest by market share/premiums (indicating widespread use) typically include Northwestern Mutual, New York Life, MetLife, Prudential, MassMutual, Lincoln Financial, Nationwide, State Farm, and Pacific Life. These dominate individual and group life premiums.

Key Advice for Choosing

• Get personalized quotes — Rates vary significantly by age, health, tobacco use, and state. Compare at least 3 options (tools like Policygenius can help aggregate quotes).
• Prioritize financial strength — Look for AM Best A or higher to ensure claims-paying ability.
• Consider your situation — Term for affordable temporary coverage; whole/universal for permanent needs or cash value. No-exam options (e.g., via Ethos or simplified-issue from Mutual of Omaha/State Farm) suit those wanting speed or avoiding exams.
• Customer satisfaction matters — J.D. Power highlights Nationwide, State Farm, and Mutual of Omaha as leaders in recent studies.
• Shop around and review policy details, as availability and underwriting differ. Consult a licensed agent or advisor for complex needs.

Life insurance is highly individualized—start with quotes from a few top providers mentioned above to find the best fit for you.

The top life insurance companies most widely recommended in 2026 are Nationwide, MassMutual, USAA, Protective, Pacific Life, Penn Mutual, Guardian, and New York Life, each excelling in different categories people commonly shop for.

✅ Quick Summary (Top Picks Across Sources)

Nationwide is ranked the best overall by U.S. News thanks to strong customer satisfaction and broad coverage options. MassMutual is consistently top‑rated for whole life insurance and financial strength. USAA is the best for seniors and offers simplified issue policies up to age 85–90. Protective is the best overall insurer according to Forbes, with excellent price‑value and low term rates. Pacific Life is top‑rated for reliability and universal life options. Penn Mutual earns the lowest complaint rates and high consumer confidence. Guardian is NerdWallet’s best overall and best for people with health conditions. New York Life is best for seniors and offers strong AARP‑partnered policies.

⭐ Best Life Insurance Companies (What They’re Known For)

Nationwide — Best Overall & Best Customer Service

Rating: 4.8 (U.S. News) Strengths: Low complaint rate, term + whole + universal, strong no‑exam options. Why people choose it: Reliable service and fast underwriting.

MassMutual — Best Whole Life Insurance

Rating: 4.7 (U.S. News), 4.8 (NerdWallet) Strengths: High cash‑value growth, strong financial stability, dividends. Why people choose it: Long-term wealth building and guaranteed coverage.

USAA — Best for Seniors & Military Families

Rating: 4.6 (U.S. News) Strengths: Whole life up to age 85, universal life up to age 90, term up to age 70. Why people choose it: Accessible senior policies and strong customer satisfaction.

Protective — Best Overall (Forbes)

Rating: 5.0 (Forbes) Strengths: Very low term rates, excellent conversion options, 10–40 year terms. Why people choose it: Affordable term life and strong value.

Pacific Life — Best for Universal Life & Reliability

Rating: 4.5 (U.S. News & Forbes) Strengths: Guaranteed minimum interest rates, strong cash‑value floors. Why people choose it: Long-term stability and flexible permanent coverage.

Penn Mutual — Best for Consumer Confidence

Rating: 4.1 (Forbes) Strengths: Lowest NAIC complaint rate, strong financial integrity. Why people choose it: High trust and wide policy selection.

Guardian — Best Overall (NerdWallet)

Rating: 5.0 (NerdWallet) Strengths: Great for people with health conditions, low complaints, dividends. Why people choose it: More flexible underwriting and strong term options.

New York Life — Best for Seniors (NerdWallet)

Rating: 4.9 (NerdWallet) Strengths: AARP partnership, strong whole life options, low complaints. Why people choose it: Transparent policies and strong senior coverage.

📊 Comparison Table (Top Insurers & Their Strengths)

Company | Best For | Key Strengths | Source Nationwide | Overall, Customer Service | Low complaints, broad coverage | U.S. News 1 MassMutual | Whole Life | High cash value, dividends | U.S. News, NerdWallet 2 USAA | Seniors | Policies up to age 85–90 | U.S. News 1 Protective | Best Overall Value | Lowest term rates | Forbes 1 Pacific Life | Reliability, Universal Life | Strong integrity score | Forbes, U.S. News 2 Penn Mutual | Consumer Confidence | Lowest complaint rate | Forbes 1 Guardian | Health Conditions | Relaxed underwriting | NerdWallet 1 New York Life | Seniors | AARP partnership | NerdWallet 1 3 Sources3

🧭 How to Choose (Based on Your Needs)

If you want the cheapest term life: Protective or Banner Life (Banner is cheapest per U.S. News). If you want lifelong coverage: MassMutual or New York Life. If you’re older (60+): USAA or New York Life. If you want no‑exam coverage: Nationwide or Mutual of Omaha. If you want strong cash‑value growth: MassMutual or Pacific Life. If you want the most flexible universal life: Northwestern Mutual or Pacific Life.

✅ One helpful question

Would you like recommendations based on your age, budget, and whether you prefer term or whole life?

The top life insurance companies in the United States vary by policy type, financial strength, and what customers need most:

Top Life Insurance Brands by Category

Best Overall & Term Life: Banner Life Insurance Company offers some of the most competitive term rates, flexible term lengths up to 40 years, and instant-decision options for qualifying applicants. Banner Life Insurance Company Best Customer Satisfaction & All-Around Service: State Farm ranks at the top for customer satisfaction (J.D. Power) and holds a superior A++ financial strength rating from AM Best, though policies require working with a local agent. State Farm Best for Whole Life & Cash Value: MassMutual and Northwestern Mutual lead the industry in policyholder dividends, financial scale, and long-term cash-value performance among major mutual companies. MassMutual Northwestern Mutual Best for Seniors & Final Expense: Mutual of Omaha is widely used for reliable senior coverage, final expense, and policies accommodating specific health histories like sleep apnea. Mutual of Omaha Best for Indexed Universal Life (IUL) & Wealth Building: Pacific Life and National Life Group frequently top advisor lists for cash-accumulation strategies and living benefits. Pacific Life National Life Group

Popular Products People Actually Use

Term Life Insurance (Most Popular): Pure protection for a set number of years (e.g., 10, 20, or 30 years). Brands like Banner Life and Pacific Life dominate this space because of low monthly rates (often starting around $14–$16 a month for healthy standard applicants). Whole Life Insurance: Permanent coverage that builds tax-deferred cash value over time and pays a guaranteed death benefit. Major mutual carriers like MassMutual, New York Life, and Northwestern Mutual are the traditional choices people trust for decades-long cash-value growth. Universal Life (UL / IUL): Permanent life insurance tied loosely to market or index performance with flexible premium payments. Pacific Life and National Life Group are frequent choices for policyholders structuring custom cash-accumulation plans.

To help narrow down the best fit, could you share:What type of policy you are looking for (term vs. permanent/whole life)? What coverage amount or budget you have in mind?

When looking for the best life insurance companies in the United States, the "best" choice depends heavily on what you actually need—whether that’s a cheap, straightforward term policy, a policy you can get without a medical exam, or a permanent whole life policy that builds cash value.

Industry rankings from experts like Forbes Advisor, U.S. News & World Report, and customer satisfaction metrics from J.D. Power's Individual Life Insurance Study point to the top-performing and most widely used brands:

Top Life Insurance Brands by Category

1. Best Overall & Best for Term Life: Pacific Life

Why people use them: Consistently rated as a top choice by Forbes Advisor, Pacific Life is renowned for competitively priced term life insurance and versatile universal life options. Forbes Advisor Standout feature: They are known for relatively lenient underwriting regarding common health quirks like high blood pressure, high cholesterol, or mild obesity, making it easier for average applicants to secure standard or preferred rates.

2. Best Customer Satisfaction & Service: Nationwide

Why people use them: Nationwide regularly finishes at or near the top of customer satisfaction rankings—including leading the J.D. Power Individual Life Insurance Study —thanks to strong trust metrics and ease of doing business. J.D. Power Individual Life Insurance Study Standout feature: They offer a massive suite of customizable term, whole, and universal life policies alongside flexible "no-exam" options for qualifying applicants.

3. Best for Whole Life & Cash Value: Northwestern Mutual

Why people use them: As one of the largest individual life insurers in the country, Northwestern Mutual is a mutual company (owned by its policyholders) with an elite financial strength rating across all major rating agencies. Standout feature: They have a legendary history of paying out massive annual dividends to permanent policyholders, making their whole life products popular for individuals looking to blend insurance protection with long-term cash value growth.

4. Best for Price-Value & Budget Term: Protective Life

Why people use them: Protective scores exceptionally high on price-to-value indexes. If your primary goal is maximizing your death benefit coverage while keeping monthly premiums as low as possible, Protective is hard to beat. Standout feature: Straightforward, highly affordable level-term life insurance policies with very few complications.

5. Best for Seniors & Final Expense: Mutual of Omaha

Why people use them: Known for solid financial backing and high trust, Mutual of Omaha is a household name that scores high for customer satisfaction. Standout feature: They excel at offering specialized policies tailored to older adults, including final expense, guaranteed acceptance, and simplified-issue life insurance that doesn't require a traditional medical exam.

6. Best for Military Families: USAA

Why people use them: If you are active military, a veteran, or an immediate family member, USAA provides exceptional customer service and specialized financial products. Standout feature: Excellent whole and universal life options tailored to unique military life situations, though you must be a member of the USAA community to qualify.

Quick Guide: How to Pick the Right Product

Term Life Insurance: Choose this if you want maximum coverage for the lowest cost over a set period (e.g., 10, 20, or 30 years) while your kids are growing up or your mortgage is active. Look at Pacific Life, Protective, or Banner Life. Whole / Permanent Life Insurance: Choose this if you need lifelong coverage and want a built-in savings/cash component that accumulates value over decades. Look at Northwestern Mutual or State Farm. No-Exam / Accelerated Underwriting: Choose this if you want to skip the nurse visit and blood draw. Companies like Nationwide and Thrivent offer streamlined digital approvals for eligible healthy applicants.