BEST Life focuses squarely on ancillary employee benefits, writing group dental and vision along with term life and short-term disability for employers of every size across 39 states. You can also buy ACA-certified stand-alone dental plans for yourself or your family through state marketplaces, and dental premium makes up the large majority of the company’s book. Privately owned and in business more than 45 years, the carrier runs operations out of California and Idaho and built its reputation on flexible plan design and paying claims in days rather than weeks. AM Best rates BEST Life B++ (Good) with a stable outlook, an upgrade from B+ issued in March 2023 that reflected a strong balance sheet offset by modest absolute capital and a limited business profile.
