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1
Fast Application
9.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.4
Legal & General America
Our Top Choice
Get a free online quote instantly
Buy direct, from as little as $7 a month
Trusted by 1,000,000+ US customers
4 Star Trustpilot rating
Terms ranging from 10 to 40 years
1,969 peoplevisited this site today
2
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.3
Amica
Get life insurance you can feel confident about
10-30 year terms with up to $5M in coverage
Get a fast, free online quote in minutes
Rated 4.5 on Trustpilot
Personalized customer service you can rely on
3
8.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.6
Brand Reputation
Based on web trends
9.0
Ladder
Apply 100% online in 5 minutes
Fully online process for coverage up to $3M
No policy fees, cancel anytime
Save money over time on premiums with customizable coverage
4
8.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.8
Brand Reputation
Based on web trends
9.2
Ethos
Term life insurance starting at $10/month
Coverage from $100K to $3M
No medical exam needed
5-minute online application
5
8.4
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.1
SelectQuote
America’s #1 Term Life sales agency
10-30-year term policies
Personalized term life insurance quotes
Flexible payment options
6
8.5
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.1
Brand Reputation
Based on web trends
8.5
Fabric by Gerber Life
Affordable insurance from a brand you can trust
Apply online in under 10 minutes
30-day money back guarantee, cancel anytime
Coverage ranging from $100,000 - $5M
7
8.4
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.7
Brand Reputation
Based on web trends
8.5
Corebridge Direct
Get $250k in Term Life insurance for as low as $13/month
A trusted partner since 1995
Build a custom policy that fits your needs and budget
Term Life Insurance up to $10M+
8
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.4
Brand Reputation
Based on web trends
8.0
Progressive Life Insurance
Get a quick, no obligation quote
100% online application
No doctor visits required
Cancel at any time
7,971 visitors
connected with an insurer this week
BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
Most Popular On BestMoney
9.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.4
Legal & General America
Our Top Choice
Get a free online quote instantly
Buy direct, from as little as $7 a month
Trusted by 1,000,000+ US customers
4 Star Trustpilot rating
Terms ranging from 10 to 40 years
1,969 peoplevisited this site today
FAQ
1. What is term life insurance and who should consider it?
Term life insurance provides coverage for a specific period (such as 10, 20, or 30 years). If you pass away during the term, your beneficiaries receive a payout. If the term expires, coverage ends unless you renew or convert the policy. Term life insurance is ideal for people who need coverage for a set period, such as parents with young children, homeowners paying off a mortgage, or individuals looking for affordable protection.
2. What happens if I outlive my term life insurance policy?
When the term ends, your coverage expires. Some policies allow you to renew at a higher rate, convert to whole life insurance, or purchase a new policy.
3. Is term life insurance cheaper than whole life insurance?
Yes, term life insurance is usually more affordable because it only provides coverage for a limited time and doesn’t include a cash value component.
4. What can term life insurance be used to cover?
Term life insurance is often used to provide financial protection for families during critical years. It can help replace lost income for a spouse or children, cover mortgage payments to prevent the need to sell the family home, and pay for children’s education expenses. Additionally, it can be used to settle outstanding debts, such as student loans, car loans, or credit cards, while providing overall financial security during the years when a family is growing and expenses are high.
What Is Term Life Insurance and How Does It Work?
Term life insurance is a cost-effective form of life insurance policy that provides financial coverage for a fixed term—typically 10, 20, or 30 years. If the policyholder passes away during the coverage period, the designated beneficiaries receive a tax-free death benefit from the life insurance company.
- No cash value: Unlike whole life, term life insurance does not accumulate investment value
- Temporary protection: Ideal for income replacement or mortgage protection insurance
- Budget-friendly: Typically lower premiums than permanent life insurance
Why Comparing Term Life Insurance Is Important
Comparing term life insurance plans ensures you select coverage that fits your family’s needs and long-term financial goals. It also helps identify the best life insurance companies offering value and flexibility.
- Coverage amount: Determine what’s needed to protect your loved ones
- Policy term: Align coverage length with mortgages or children’s education
- Premium costs: Balance budget with benefit levels
- Optional riders: Add features like waiver of premium or accelerated death benefit
Use a term life insurance calculator to assess the ideal plan for you.
Key Benefits of Term Life Insurance
Many choose term life insurance as the foundation of their financial safety net due to its simplicity and affordability. It’s often considered the best life insurance option for short-term needs.
- Lower premiums: More affordable than permanent life insurance policies
- Easy to understand: No complex investment structures
- Convertible options: Some plans offer transition to whole life
- Dependents protected: Financial coverage for critical life phases
How to Use a Term Life Insurance Calculator
A term life insurance calculator helps estimate how much coverage you need and what premiums to expect, based on your unique situation.
- Estimate coverage needs: Factor in debts, income replacement, and dependents
- Preview premium costs: Rates vary by age, term length, and health
- Compare quotes easily: Get accurate life insurance quotes instantly
This tool streamlines your journey to finding the best term life insurance policy.
How to Compare the Best Term Life Insurance Companies
Finding the best life insurance companies takes more than comparing costs. Look for reliability, options, and customer satisfaction.
- Financial strength: Choose highly rated life insurance companies
- Customer reviews: Gauge satisfaction and responsiveness
- Policy options: Evaluate term lengths and add-ons
- Application convenience: Look for online and no-exam options
Using life insurance quotes tools helps narrow your search efficiently.
How to Buy Term Life Insurance Online in Ohio
Buying term life insurance online has become simple and fast, thanks to user-friendly digital tools.
- Assess your needs: Determine coverage amount and policy length
- Use calculators: Estimate needs with a term life insurance calculator
- Compare quotes: Access life insurance quotes across providers
- Apply online: Many life insurance companies offer fast digital applications
- Underwriting: Choose between medical-exam and no-exam policies
This approach helps you access the best life insurance products conveniently.
Term vs. Whole Life Insurance Comparison Table
Feature | Term Life Insurance | Whole Life Insurance |
| Coverage Duration | Fixed (10–30 years) | Lifetime |
| Premiums | Lower | Higher |
| Cash Value | No | Yes |
| Policy Loans | No | Yes |
| Complexity | Simple | More Complex |
Choose term life insurance for budget-friendly, temporary coverage. Opt for whole life if you want lifelong protection and cash value accumulation.
Disclaimers
AM Best Rating: *A.M. Best's Financial Strength Rating (FSR) is a measure of an insurer's financial strength and ability to pay out claims to policyholders. An "A" rating with A.M. Best indicates that an insurer is considered to be top of the industry in ability to meet ongoing insurance obligations.
*Ethos: Life insurance without an exam requires a few online health questions.
¹Eligibility for Progressive Life Insurance depends on age, health, and additional underwriting factors. The exact policy type, coverage amount, and term length offered will vary.
Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products. Submission number 250602-4549461
AI was used in the creation of this content, along with human validation and proofreading.