It is best because it alone is obligated to pay your beneficiary. The key issue is to have a life insurance policy that is "In Force" the day that you need it.
However, the financial stability of the life insurance company is a very important factor. The financial strength rating is an indication of the insurer's ability to meet their financial obligations, and pay their claims.
Also, the rate you pay for your life insurance coverage will impact how much life insurance you can afford to buy.
In addition, the customer service provided by the insurance company will be an important factor as to how they handle your account and process any claim made on your life insurance policy.
You can review a list of the 10 best life insurance companies and their financial ratings.