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Best Life Insurance Companies of 2023

Protect your family from unforeseen financial burdens with one of these top term life insurance companies.

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Happy Family Selfie
Yona Schnitzer
Jun. 29, 20221 min read
Savvy planning can ensure that you or your family members are covered if faced with the death of a loved one. The ideal tool to guard against a sudden lack of income or ongoing financial obligations is a life insurance policy, and there are a number of choices available.

Make sure you compare  life insurance providers before you make any decisions to ensure that you get the policy most suited to your family. 

Before diving in and purchasing life insurance, it is vital to understand exactly what features to look for when comparing the best life insurance companies. There are various types of life insurance that are designed to fit a wide variety of needs. Moreover, some providers offer customizable policies with added provisions known as “riders,” which can add valuable benefits.

Our Best Life Insurance Companies Rating

  1. Haven
  2. Bestow
  3. Ladder
  4. Ethos
  5. SelectQuote

  6. AAA

  7. Legal and General

  8. Leap Life

  9. Fabric

  10. TruStage

  11. AIG

Compare the Best Life Insurance Companies of 2022

CompanyTrustPilot RatingStandout FeatureLearn More
4.8    ★★★★★
Immediate decision on eligibility
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4.6    ★★★★★

100% no medical exam for term life insurance

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4.8    ★★★★★

Fully online application

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4.5     ★★★★

10 minute application

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3.4     ★★★★

Free medical exam at your home or office

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  • Fast and simple online process

  • Cheapest online option for people under 40


  • No coverage for people over 65 years old

  • No whole life coverage

Haven Life offers a quick and painless way to apply for term life insurance, and has become a popular choice since it was founded in 2015. While it only offers term life insurance, this focus means that it is able to focus on delivering a quality service with competitive terms and rates. Read our full review of Haven.

Haven Life Haven Life Visit Haven



  • Apply online in minutes

  • No medical exam required


  • Only term life insurance available

Bestow brings the process of buying term life insurance entirely online. With this company, you don’t have to go through an agent to buy life insurance or submit to a medical exam. Answer some questions and Bestow will offer you instant quotes for policy options with up to $1.5 million in coverage. There are some limitations, though. Bestow only issues policies to people between 18 and 60 and terms are limited to 10 and 30 years. Read our full review of Bestow.

Bestow Bestow Visit Bestow

Ladder Life


  • Instant decisions

  • 100% digital process from start to finish for coverage up to $3M


  • No permanent coverage, only term life

Ladder offers term life insurance online issued by Allianz Life Insurance Company of New York in New York and Allianz Life Insurance Company of North America in all other states and DC. U.S. residents aged 20 to 60 can apply for coverage online and get an instant decision. Ladder’s policies are designed to allow users to move their coverage amount up and down by applying online for more coverage or decreasing coverage with a few clicks. Read our full review of Ladder.

Ladder Ladder Visit Ladder

Ethos Logo


  • No medical exams or blood tests required

  • Same-day coverage on affordable policies from top-rated carriers


  • Not available in NY

Ethos offers a simple way to buy life insurance directly without the hassle of going through salespeople or agents. They partner with top-rated carriers and use proprietary software to create a 100% online, ten-minute application to match you with the right policy. They provide whole and term life insurance policies, and more importantly, they don’t require any medical exams. Just answer a few health questions online to get started. Read our full review of Ethos.

Ethos Ethos Visit Ethos



  • Free medical exam at your home or office

  • Excellent customer support


  • No live chat

SelectQuote is a life insurance sales agency that aims to help every individual find a life insurance policy for their situation. SelectQuote gathers your information, sends easily comparable quotes from multiple companies, and helps you through the medical examination, qualification, and confirmation process. Read our full review of SelectQuote.

SelectQuote SelectQuote Visit SelectQuote

Written byYona Schnitzer

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

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