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Top Life Insurance Company Reviews

Explore rates and features to compare the best online life insurance providers and find the right one for you.

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Ladder

Ladder

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.

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Ethos

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.

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Wyshbox

Wyshbox is a term life insurance company founded in 2021. It helps you find the coverage you need by splitting your debts, financial goals, and outstanding obligations into “wyshes.” Just select the wyshes you want, such as paying off your mortgage or funding your children’s college tuition, and Wyshbox will automatically calculate how much coverage you need. Premiums start as low as $9 per month and you can lock in your premium until age 65.

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Haven Life

Haven Life

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.

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Legal & General America

Legal & General America

Legal & General America has an excellent reputation for providing quality life insurance packages at competitive rates. Through a commitment to delivering a small selection of life insurance packages at a high standard, Legal & General America has become one of the largest life insurance providers in the United States.

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Fabric by Gerber Life

Fabric by Gerber Life

Fabric by Gerber Life offers term life insurance that’s great for busy parents. The digital application process takes just 10 minutes and most can get automatic approval. There is no need for medical exams and you can get up to $5 million of cover for up to 30 years. With high customer approval ratings and backing from longstanding insurance providers, Fabric by Gerber Life could be a great choice for a quick and easy life insurance solution.

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Everyday Life Insurance

Everyday Life Insurance

Everyday Life is an insurance company founded in 2018 that takes a unique approach to life insurance. Instead of setting you up with a “one size fits all” rigid block of coverage, Everyday Life tailors your policy to meet your financial obligations. So as your kids grow up and your mortgage is paid off, your insurance policy will scale down and your premiums will drop.

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Bestow

Bestow

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.

LeapLife

LeapLife

Leap Life is a life insurance marketplace that matches consumers with a policy provider for their needs. With Leap Life, you have a variety of carriers to choose from and affordable pricing based on healthy competition. The company holds an A+ from BBB and 9.5 stars from Trustpilot. Combine that with good customer service and a straightforward approach to life insurance, and Leap Life is a good choice.

Lemonade

Lemonade

Lemonade is an online company that enables you to purchase term life insurance with no health exam. The online application takes just 15 minutes to complete and asks about your health history and lifestyle. Depending on your answers, policies can start at just $9 per month, and you can select coverage from $50,000 to $1.5 million. Anyone between the age of 18 and 60 can apply. Lemonade offers policies with term length options from 10 to 30 years.

John Hancock

John Hancock

John Hancock is a long-established financial institution that has been going for 150 years. It offers many types of life insurance, alongside other investments, annuities, and savings plans. The standout John Hancock insurance product is the Vitality program, which rewards customers with shopping discounts, gift cards, and lower premiums when they do healthy actions. The Vitality plan can be combined with any type of insurance.

New York Life AARP

New York Life AARP

New York Life offers the financial stability of one of the oldest insurers in the country, along with a wide variety of options and excellent benefits for policyholders. It is not publicly owned, and operates under a mutual insurer model, so all policyholders own a stake in New York Life and it has successfully paid dividends to its policyholders every year since 1854.

NextGen Leads

NextGen Leads

NextGen Life Insurance is the policy finder for anyone looking for an easy process. Life insurance can be tricky, which is why it's such a relief to find a company that makes the whole process easy, fast, and comprehensive. NextGen has tons of online tools to get the job done quickly and efficiently including an online calculator, free quote generator, and instant policy comparison tool. That and a friendly demeanor make NextGen a real winner.

Nassau Re

Nassau Re

Nassau Re is the rebranded insurance policy provider formerly known as Phoenix Life Insurance. With a new face and a fresh perspective, Nassau Re is giving people a viable option for affordable life insurance coverage that will help protect their loved ones when they need it most. Nassau Re offers term and whole life insurance policies. Is Nassau Re the new spin this industry has been waiting for? Let’s find out.

Trustage-QS

Trustage-QS

With roots in the Credit Union movement, TruStage is a member of the CUNA mutual insurance group and is committed to helping all families access affordable life insurance. TruStage offers a range of life insurance products from the CMFG Life Insurance Company to credit union members with the guarantee that no one between the ages of 45 and 80 will be turned down for any reason at all.

MassMutual

MassMutual

MassMutual is an established life insurance company that provides a range of policies and riders, allowing most customers to find a policy that suits their needs. The company’s plans are also designed to assist people who need help paying off mortgages, handling various expenses, or financing medical care.

Quotacy

Quotacy

Quotacy is an online life insurance broker owned by the Hallett Financial Group, Inc. It lets users compare policies from top life insurance companies in minutes without providing an email address or phone number. With Quotacy, you can compare and purchase term life, whole life, final expense life insurance, and individual disability life insurance direct from the nation’s top insurers.

Great Life Insurance Group

Great Life Insurance Group

Great Life Insurance isn’t an insurance provider, but rather an insurance broker that works with a massive network of over 70 partners to provide competitive terms for its customers for term life insurance as well as permanent life insurance.

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Gerber Life

Gerber Life

With a strong focus on providing financial security for families, Gerber Life is a solid choice if you want to enjoy life insurance options that will give you peace of mind. By offering policies and terms that focus on your children’s future, you can rest easy knowing that they will be taken care of should your circumstances change.

NavyMutual

NavyMutual

Navy Mutual is a reliable life insurance company, providing an exhaustive and varied array of life insurance options for US military members. It knows its target audience well, and is easily able to procure coverage that suits all types of customers at a relatively low rates.

Provide

Provide

Provide connects users with quotes from leading life insurance carriers based on specific needs and budget. A leading insurance marketplace, Provide’s advanced search tool delivers personalized insurance quotes in minutes and brings licensed agents to complete the life insurance application process. Some of the recognized insurance providers include Progressive, Nationwide, and State Farm, so users know they are getting reputable service.

BurialInsurance.com

BurialInsurance.com

BurialInsurance.com, also known as just Burial Insurance, is a search tool for burial insurance and senior life insurance providers. This platform exists to connect people with burial insurance and senior life insurance rates for their needs. It also provides a wealth of free tools and resources to help users calculate and understand their burial insurance options.

MetLife

MetLife

MetLife offers potential customers a fast, easy, and comprehensive life insurance policy that is flexible enough to suit a wide range of needs. Its high level of customer service and proven track record make it a solid choice if you’re looking to secure family’s future.

Northwestern Mutual

Northwestern Mutual

Northwestern Mutual is a respected name in the life insurance industry, and uses its extensive experience to provide creative plans that benefit customers looking for detailed and personalized policies and terms. Alongside an experienced customer support staff, Northwestern Mutual’s options to enhance specific policies with various additions makes it easy to find features suited to even the most unique needs.

Fidelity Life

Fidelity Life

With a quick and easy application process and free instant quotes online, Fidelity Life is a perfect option if you’re looking for comprehensive life insurance, fast. It offers 6 types of policies that cover a range of different needs so you’re likely to find what you’re looking for in order to protect your family for the future.

New York Life

New York Life

New York Life offers the financial stability of one of the oldest insurers in the country, along with a wide variety of options and excellent benefits for policyholders. It is not publicly owned, and operates under a mutual insurer model, so all policyholders own a stake in New York Life and it has successfully paid dividends to its policyholders every year since 1854.

NavyMutual

NavyMutual

Navy Mutual is a reliable life insurance company, providing an exhaustive and varied array of life insurance options for US military members. It knows its target audience well, and is easily able to procure coverage that suits all types of customers at a relatively low rates.

Assurance

Assurance

Assurance offers many different insurance policies, including life and health insurance policies through a variety of platforms. Its main strength lies in its willingness to help customers find the right life insurance product for their needs.

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AAA Life

AAA Life

AAA Life has been operating for more than 50 years and offers a variety of life insurance policy options, including some that offer up to $5 million in benefits. The company aims to ease the process of finding the right policy for your needs and may not require a medical exam for ExpressTerm policies. You can also add riders to supplement standard coverage options.

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Policygenius

Policygenius

Policygenius is an independent insurance broker that has no financial stake in the policies it offers. This enables the site to give you an impartial look at your options for life insurance policies from different providers. You can get term life insurance, whole life insurance, or a variety of alternative policies.

Sproutt

Sproutt

Sproutt is an independent life insurance broker that matches users with insurance coverage. Through a combination of technology and human touch, Sproutt creates a personal profile for each applicant. It then uses this information to match the applicant with the most suitable coverage for their needs. The process takes place entirely online, although users are given the option of speaking to an actual customer service rep at any time.

Mutual of Omaha

Mutual of Omaha

Mutual of Omaha is a Fortune 500 financial services company based in Omaha, Nebraska. For more than a century, it has provided Americans with life insurance and other insurance, financial, and banking products and services. It offers reasonably priced term and permanent life insurance.

Health I.Q.

Health I.Q.

Health IQ is all about rewarding health conscious people - those who live a healthy lifestyle, exercise regularly and eat well - by offering them the lower rates they deserve. It partners with some of the biggest names in the life insurance industry to offer its health conscious customers competitive rates that are difficult to find elsewhere.

NAA Life

NAA Life

National Agents Alliance is one of the most reputable networks of life insurance providers in the nation. It provides comprehensive and affordable coverage in almost every state and holds an A+ from the BBB as well. Partnering with the top insurance providers in the industry (AM Best grade A only) allows National Agents Alliance the luxury of offering its clients the cream of the crop in terms of policy pricing, flexibility, and reliability.

Liberty Mutual

Liberty Mutual counts itself amongst the largest US insurers, presenting excellent policy options for customers of all ages. With alternatives that avoid medical exams alongside guaranteed life policies, the company grants all applicants the opportunity to protect themselves and their loved ones from the unthinkable.

Lifeinsurance.net

Lifeinsurance.net

Lifeinsurance.net offers many different life insurance and health insurance policies through a variety of platforms. Its main strength lies in its willingness to help customers find the right life insurance product for their needs. It has a rating of A+ from the BBB and is licensed to sell life and health insurance policies in all 50 states.

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American National ANICO

American National ANICO

American National provides customers with an extensive selection of different policy options, and stands out by including different riders that can tailor each policy to specific holders while offering guaranteed no-exam life policies. With impressive customer support and over 110 years of experience, American National is a brand that you can trust.

National Family

National Family

National Family Assurance is an insurance start-up that can connect you with insurance carries from across the US. Finding a policy is free and all you need to do is fill out a few basic details about yourself online, and National Family will select a policy from its vast network.

American National

American National provides customers with an extensive selection of different policy options, and stands out by including different riders that can tailor each policy to specific holders while offering guaranteed no-exam life policies. With impressive customer support and over 110 years of experience, American National is a brand that you can trust.

SelectQuote

SelectQuote

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.

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EverQuote

EverQuote

EverQuote is a leading insurance marketplace that connects consumers with the best quotes from leading life insurance carriers. Its sophisticated search tool returns multiple personalized insurance quotes in minutes. It matches users with the insurers that best fits their needs and budget, bringing in a licensed agent to complete the process. EverQuote’s partners include big names like Progressive, Nationwide, State Farm, and Farmers Insurance.

Americo

Americo Senior Life offers whole life insurance policies with rates that never increase. Your policy is never cancelled or changed due to age or health conditions, and there’s no medical exam required in order to sign up. You can get a quote online in minutes and qualify for up to $30,000 in benefits. Americo Senior Life has been operating for over 100 years and has an A rating with A.M. Best and an A+ rating with the Better Business Bureau.

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Progressive

Progressive

Progressive is an insurance provider comparison tool that partners with the top brands in insurance today. In addition to car insurance, home insurance, boat insurance, health insurance, and many others, Progressive offers affordable life insurance policies. The site is easy to use and lets you see various offers for a quick and simple price comparison, so you can find a life insurance policy for your needs in an instant.

American Family

American Family

American Family is a well-known insurance provider with policies ranging from $50k to $150k and 10-, 15-, 20-, or 30-year terms. It offers tons of flexibility within these policies and explains everything well throughout the website. Aside from having numerous options to choose from, an easy-to-use website, and plans that come without any medical exam, American Family has the added benefit of offering auto, home, and business policies too.

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AAA Life

AAA Life has been operating for more than 50 years and offers a variety of life insurance policy options, including some that offer up to $5 million in benefits. The company aims to ease the process of finding the right policy for your needs and may not require a medical exam for ExpressTerm policies. You can also add riders to supplement standard coverage options.

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Ladder

Ladder

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.

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Ethos

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.

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Bestow

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.

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HavenLife

HavenLife

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.

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AIG Direct

AIG Direct

AIG Direct is a leading life insurance agency that offers a wide variety of life insurance policies from top-rated carriers. AIG Direct sells life insurance policies online as well through appointed agents. You can get a quote online in minutes, but a health exam is required for most policies. AIG Direct is a subsidiary of American General Life Insurance Company, Houston, TX. Both are members of American International Group, Inc. (AIG)

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Gerber Life Insurance

Gerber Life Insurance

The Gerber Life Insurance Company, founded in 1967, provides a range of insurance products, including Guaranteed Life Insurance and the Gerber Life Grow-Up® Plan. If you are 50 to 80 years old, you can take out a life policy with Gerber Life with no medical exam thanks to Gerber Life’s Guaranteed Life Insurance program.

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Popintros

PopIntros is a unique service that helps connect you with a licensed insurance agent. The platform shows you agents in your area and what insurance carriers they represent. If you find an agent you like, PopIntros introduces you via text and email so you can set up an appointment at your convenience. PopIntros is completely free to use and can help you find agents for whole life, term life, universal life, and final expense insurance.

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Smart Financial

Smart Financial

Smart Financial is not your typical life insurance provider. In fact, it’s not an insurance provider at all. Instead, Smart Financial is an insurance marketplace that offers consumers an easy way to receive and compare rates instantly. Fill out your details, wait a few seconds, and receive the most competitive rates on the market today. Choose from top brand names, lower premiums, and nice discounts with this helpful tool from Smart Financial.

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