Best Life Insurance Companies That Use the Life360 App in 2025

The best life insurance companies that use the Life360 app are Aflac, AIG, and AARP, with Aflac offering the most affordable plan starting at just $36/month. Each of these providers excels in different areas, so it’s important to consider factors like pricing, ease of application, and coverage options to find the best fit for you.

This article compares these top providers to help guide your decision. In order to find life insurance companies that use Life360, you can do some research online. Find out more about the different types of life insurance.

While there are no companies that currently use the app to monitor factors that impact life insurance, there’s potential for this market to grow.

Our Top 10 Picks: Best Life Insurance Companies That Use the Life360 App

If you use Life360 insurance or have a new driver in your household and are considering using it to track your teen, you may be curious about life insurance companies that use the Life360 app.  If you are looking to buy life insurance that uses Life360, be sure to use our free tool above to compare rates from top life insurance companies and see what you could be saving.

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#1 – Aflac: Top Overall Pick

Pros

• Affordable Rates: Aflac offers competitive rates at $35 per month for companies that use the Life360 app, according to the Aflac Life Insurance Review.
• Quick Claim Processing: Aflac is known for fast claim handling, making it easy for companies that use the Life360 App to get help when needed.
• Easy Integration with Life360: Aflac’s products are easy to use alongside Life360 for added protection and tracking.

Cons

• Limited Coverage Options: Aflac might not offer as many coverage options as other providers that use the Life360 app.
• Customer Service: Some customers report slower response times from Aflac’s customer service team.

#2 – AIG: Best for No Exam

Pros

• Easy Process: AIG makes it simple to get life insurance without a medical exam for companies using the Life360 app.
• Affordable Rates: AIG starts at $50 per month for companies using the Life360 app with basic coverage.
• Flexible Plans: AIG lets companies using the Life360 app pick the coverage that works best for them.

Cons

• Limited Online Features: AIG’s website might not have all the tools companies using the Life360 app need to manage their policies. Learn more in our AIG Life Insurance Review.
• Slow Response Time: It may take longer than expected to adjust policies or coverage for companies using the Life360 app.

#3 – AARP: Best for Senior Citizens

Pros

• Affordable for Seniors: AARP offers really good rates for older drivers, starting at just $36 per month for companies using the Life360 app with basic coverage.
• Senior Discounts: AARP also gives seniors special discounts when they use the Life360 app so families can save even more.
• Reliable Customer Support: AARP is known for having strong customer support for companies that use the Life360 app.

Cons

• Age Limitations: AARP’s policies are mainly designed for senior citizens, which may limit younger families. Check out our AARP Life Insurance company review for more details.
• Limited Coverage Types: AARP may not offer as many coverage types for companies that use the Life360 app compared to others.

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#4 – MassMutual: Best for Comprehensive Plan

Pros

• Wide Coverage Options: MassMutual provides broad coverage choices for companies that use the Life360 app. Find the best life insurance companies.
• Strong Reputation: MassMutual is well-known for providing reliable and secure options for companies that use the Life360 app.
• Good Value for the Price: At $50 per month, MassMutual offers comprehensive plans at a reasonable rate.

Cons

• Higher Premiums: MassMutual’s rates could be higher for certain levels of coverage compared to others for companies that use the Life360 app.
• Complex Policies: Some customers find MassMutual’s policies harder to understand for companies that use the Life360 app.

#5 – Mutual of Omaha: Best for Customer Service

Pros

• Excellent Customer Service: Mutual of Omaha is praised for offering great customer support for companies that use the Life360 app.
• Policy Support Made Simple: Mutual of Omaha ensures Life360 users understand their policies with clear, straightforward, and easy-to-follow explanations.
• Affordable Rates: Starting at $50 for minimum coverage, Mutual of Omaha is cost-effective for families, according to the Mutual of Omaha Life Insurance Review.

Cons

• Limited Discounts: Mutual of Omaha offers fewer discount options for companies that use the Life360 app.
• Limited Online Tools: The online portal for managing policies could use improvement for companies that use the Life360 app.

#6 – Pacific Life: Best for Retirement Plan

Pros

• Great Retirement Options: Pacific Life offers strong retirement plans for companies that use the Life360 app.
• Affordable Rates: Pricing starts at $48 per month for companies that use the Life360 app with minimum coverage. Discover everything in our life insurance resources.
• Strong Financial Security: Pacific Life offers secure and reliable options for long-term coverage for families.

Cons

• Limited Short-Term Coverage: Pacific Life may not have as many short-term coverage options for companies that use the Life360 app.
• Complex Plan Structures: Some customers find Pacific Life’s plans difficult to understand for companies that use the Life360 app.

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#7 – Transamerica: Best for Cost Savings

Pros

• Cost-Effective Plans: Transamerica offers low-cost options starting at $40 per month for companies that use the Life360 app with minimum coverage.
• Easy Application Process: Transamerica makes it easy for Life360 app users to get started with coverage. Learn more in our Transamerica Life Insurance Company Review.
• Flexible Policies: Transamerica offers customizable policies for companies that use the Life360 app.

Cons

• Customer Support: Transamerica could improve its response time to customer service requests from companies using the Life360 app.
• Coverage Limits: Transamerica’s coverage might be slightly more limited in some areas for companies using the Life360 app.

#8 – State Farm: Best for Policy Discounts

Pros

• Great Discounts: State Farm offers excellent policy discounts for owners using the Life360 app, starting at $42 per month for basic coverage.
• Wide Coverage Options: State Farm provides extensive coverage choices for companies that use the Life360 app. Uncover more in our State Farm Life Insurance Review.
• Easy Bundling: State Farm makes bundling policies easy, giving discounts for owners who use the Life360 app.

Cons

• Higher Premiums: State Farm’s premiums might be higher compared to some competitors for companies that use the Life360 app.
• Multi-Policy Discount: The multi-policy discount isn’t as high for companies that use the Life360 app compared to other insurers.

#9 – Guardian Life: Best for Policy Customization

Pros

• Flexible Plans: Guardian Life allows companies that use the Life360 app to customize their coverage fully. Find out where to buy life insurance.
• Affordable Rates: Guardian Life offers rates starting at $38 per month for owners who use the Life360 App with basic coverage.
• Trusted Brand: Guardian Life is known for offering reliable life insurance options for companies that use the Life360 app.

Cons

• Costly Coverage for Families: For companies that use the Life360 App, some policies may be more geared toward older individuals than young families.
• Comprehensive Plans Cost More: The more comprehensive options might be pricier for companies that use the Life360 app.

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#10 – New York Life: Best for Legacy Planning

Pros

• Great for Legacy Planning: New York Life is a smart pick for legacy planning, with options for companies using the Life360 app starting at $55 per month for basic coverage.
• Strong Reputation: Known for its trusted name, reliability, and long-term family coverage, according to New York Life Insurance Review.
• Solid Financial Security: Offers peace of mind with strong financial backing for companies using the Life360 app.

Cons

• Higher Premiums: New York Life’s premiums may be higher than other options for companies using the Life360 app.
• Limited Short-Term Coverage: These companies may not be the best choice if you only need insurance for a short time.

Life Insurance Options Compatible With Life360

There are currently no life insurance companies that utilize the Life360 app to help determine life insurance rates or sell life insurance plans. But many of the life insurance companies that don’t use the Life360 app may start doing so.

Life Insurance Monthly Rates by Provider & Coverage Level for Companies That Use the Life360 App

Allstate insurance company, which offers life insurance and other products, incorporates the Life360 app in its car insurance rates. Learn how to get no exam life insurance.

Life Insurance Discounts From the Top Providers That Use the Life360 App

This shows that insurance companies have already discovered the benefits of using a family tracking app to determine how safely a person drives, travels and ultimately lives.

Benefits of Using Life360

Outside of a life insurance policy, there are still many benefits to using the Life360 app. The most important benefit of using the Life360 app is that of safety. Parents, spouses, partners, and friends use the app the ensure their loved ones are safe and to show that they’re safe.

Life360 offers certain safety features, such as crash detection, that parents especially see as both beneficial and necessary when their children begin driving.

The app is also useful for people who want to keep track of loved ones, like children or a spouse, and ensure their safety. It provides peace of mind by letting you see their location in real-time, which can be especially helpful in emergencies or unexpected situations.

These features allow loved ones to see someone’s real-time location, how long they’ve been at a specific place, and even provide insights into driving habits, such as speeding, hard braking, or rapid acceleration. This can offer peace of mind for parents monitoring teen drivers, ensure the safety of elderly family members, or help coordinate with friends during group activities.

Read more about life insurance costs.

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Understanding Life360’s Limitations

While a lot of people appreciate Life360 for the safety and peace of mind it brings, there are also critics. Many people feel like Life360 is an invasion of privacy. Teens and college students cite the use of Life360 by their parents as detrimental to their relationships overall.

When it comes to something personal like life insurance or legacy planning, there’s no substitute for the guidance of a personal, dedicated agent. Speak to one today. https://t.co/qec9nRk5Yq #LoveTakesAction #GoodAtLife pic.twitter.com/2nWeksYu58

— New York Life (@NewYorkLife) November 4, 2022

Life360 has become a source of emotional distress for many families. Countless family members—both children and adults—have reported feeling trapped, monitored, and micromanaged by loved ones using the app. Learn the details in our guide, “Dos and Don’ts of Life Insurance.”

While the Life360 app can be turned off, many argue it still tracks movements, raising serious privacy concerns. Critics worry about data collection practices, potential misuse of sensitive information, and the broader implications for personal freedom.

Such tracking can feel invasive, especially without clear consent or transparency, leading to debates about balancing safety features with respect for individual privacy.

The Role of Life360 in Life Insurance Planning

Even though there aren’t any life insurance companies that currently use Life360 data to determine rates and offer life insurance policies, it might be possible in the near future.

Because companies may start using Life360—like Allstate currently does for auto insurance—you may want to download the app and familiarize yourself with it.

You could also use the data the app saves for evidence in the future of your safe lifestyle habits, allowing you to find affordable life insurance with Life360 in the near future.

If you worry about invasion of privacy, the Life360 app may not be for you. You can do some research to draw your own conclusions about the app and weigh the pros and cons of having it on your phone. You may be curious about the life insurance underwriting process when it comes to things like the Life360 app.

Case Studies: Companies That Use the Life360 App for Family Safety

These examples show how smart choices and things like Life360 can help families. Whether it’s planning ahead or keeping teens safe on the road, doing something now can keep your family safe and secure.

Case Study #1: Legacy Planning for Peace of Mind

Sarah, a business owner, used legacy planning options to ensure her family’s financial security. She set up a trust and life insurance with AIG to protect her assets. With help from AARP’s resources, her family found the process much easier when she passed unexpectedly, thanks to her careful planning.

Case Study #2: Insurance Coverage for the Unexpected:

John, a homeowner in Florida, discovered his insurance didn’t cover storm damage. After teaming up with AIG, he improved his coverage and added flood insurance through Aflac. When the next storm came, John was able to file a claim and fix his home without major out-of-pocket expenses. Find out how long it takes to get life insurance proceeds.

Case Study #3: Life360 for Teen Driver Safety

Mark and Jessica used Life360 to track their son Ben’s driving habits. When the app alerted them about speeding, they spoke with Ben about driving safely. AARP’s driving tips also helped guide their conversation, ensuring Ben made safer choices on the road.

These case studies show how proactive decisions—in legacy planning, insurance, or safety can lead to smoother, more secure outcomes for families. For underwriting, the life insurance app with Life360 would most likely be determined by factors like your driving habits, commute times, and the overall nature of your traveling.

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Key Takeaways on Life Insurance Companies Using Life360

Life360 helps make legacy planning easier by keeping families connected and informed so you can ensure your loved ones are protected. It also offers useful tools, like reminders for safe driving, which are especially helpful for teen drivers. Life360 gives you real-time alerts and tracks driving habits, helping you stay in control of your insurance and avoid unexpected surprises.

By rewarding safe driving, it can lead to lower rates for good drivers and encourage families to make better choices. These companies go beyond just offering life insurance—they focus on the bigger picture of family safety and long-term financial security. They make legacy planning easier by helping families stay connected and track important information so your loved ones are well taken care of.

It also offers helpful tools like safe driving reminders, which are especially useful for teen drivers, helping them stay safe on the road. With real-time alerts and the ability to track driving behavior, Life360 helps policyholders actively manage their insurance needs, leading to fewer surprises and greater peace of mind.

If you are looking for life insurance quotes with Life360, don’t forget to use our free tool below to compare rates and decide what options work best for you.

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