Top 5 US States With the Highest Life insurance policies-to-population ratio

State    Policies-to-population ratio
1. Alabama    138.5%
2. Louisiana    110.0%
3. Mississippi    86.7%
4. South Carolina    86.1%
5. District of Columbia    79.7%

Alabama has the highest life insurance policies-to-population ratio in the U.S. with 5.3 million life insurance policies under the population age 15 and older, the state leads the nation with a coverage ratio of 138.5 percent.

Source the American Council of Life Insurers’ 2012 fact book and census data.