Our Family Helping Yours.

BEST Life has been providing affordable group benefits to small and large employers for more than 40+ years. Headquartered in California and with offices in Idaho, we have built a legacy based on superior service and flexible plan designs serving 39 states.

Every employer is different. We understand that. That’s why our plans are designed to maximize flexibility. It’s all about tailoring to the specific needs of each employer. What’s more, we pride ourselves on our superior customer service, rapid claims payment and the quality health plans that have remained BEST Life trademarks.

We have the agility and power to move quickly and easily. That’s one of our strengths. You’re more than just a number to us. We pay claims in a matter of days – not weeks. And when you call, you get a live person committed to your success. Every time. No exceptions. That’s the superior customer service we’re known for.

AM Best

AM Best assesses ratings to insurance companies to provide an opinion of their financial strength and ability to meet ongoing obligations to policy-holders. These ratings come from an in-depth evaluation of a company’s balance sheet strength, operating performance and business profile.

AM Best’s Capital Adequacy Ratio (BCAR) is the methodology behind how they do this. BCAR calculates the net required capital to support the financial risks of the company. They look at the exposure of assets and underwriting to adverse economic and market conditions. Then they compare it all to the economic capital.

Our BCAR score is 222%. And when we compare this score to AM Best BCAR Guidelines above, it shows our rating has an implied strength of A++.

Learn About A.M. BEST


Standard Analytical Service, Inc.

Standard publishes independent insurance reports which provide brief and to-the-point financial information with comparable financial ratios for life and property and casualty insurance companies. They calculate key financial ratios for individual insurance companies and measure and compare them to the financial ratios of leading US insurance companies.

In 2014, Standard reported that BEST Life has far better solvency, substantially higher surplus funds and significantly more liquid assets than the 25 leading insurance carriers in the US.

BEST Life has been around for more than 45 years, doing business in 39 states. There’s a reason for that. We are privately-owned with a solid financial structure built on conservative investments. We offer great products at competitive rates and provide superior service to our brokers, your employer groups and the members we share.