Toggle Homeowners Insurance vs. New York Life Term & Whole Life
Side-by-side comparison · Updated 2026 · Independently reviewed
Toggle Homeowners Insurance
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3.8
Subscription model. Pay monthly for only what you need. Farmers subsidiary.
Full review →New York Life Term & Whole Life
New York Life
4.5
170+ year track record. Annual dividends since 1854. Best for whole life policies.
Full review →WealthSpott Verdict
New York Life Term & Whole Life wins on more measurable categories. Toggle Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
Toggle Homeowners Insurance
New York Life
WealthSpott Rating
3.8 / 5
4.5 / 5 Best
Coverage Type
Home Insurance
Life Insurance
Avg Annual Premium
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AM Best Rating
A
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J.D. Power Score
—
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Mobile App Rating
—
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Toggle Homeowners Insurance
New York Life Term & Whole Life
Pros
- 170+ year track record
- 170+ year track record
- Dividends paid every year since 1854
- Dividends paid every year since 1854
- Best for permanent whole life coverage
- Best for permanent whole life coverage
Cons
- Higher premiums than term-only options
- Higher premiums than term-only options
- Application process can be lengthy
- Application process can be lengthy
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