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Ladder offers term life insurance online issued by multiple insurers in all states and DC. U.S. residents aged 20 to 60 can apply for coverage online and get an instant decision. Policies through Ladder 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.
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. Qualified applicants could get coverage without a medical exam. 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.
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.
In a Nutshell: TruStage is a life insurance provider that has existed since 2012. It’s a subsidiary of CUNA Mutual Group (CMFG), founded in 1935. The company offers term and whole life insurance with payouts of up to $300,000. It uses a term policy that is renewable until age 80, with increased premiums every five years. It’s easy to apply online and you don’t need to do a medical exam to access coverage.
AIG Direct is a leading insurance agency that offers a wide variety of life insurance policies from top-rated carriers. You can choose from term life with term lengths of up to 30 years, whole life, and permanent policies. AIG Direct sells life insurance policies online as well as through appointed agents. You can get a quote online in minutes, but a health exam is required for most policies.
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.
Founded in 1907, SBLI offers an impressive selection of life insurance policies with highly customizable features. You can apply for coverage of up to $10 million for terms of 10 to 30 years. In addition to being accredited by the Better Business Bureau, SBLI has excellent ratings on Trustpilot.
Fidelity Life is a life insurance provider founded in 1896. It offers multiple types of term and whole life insurance, final expense insurance, and a variety of riders to customize your coverage. The application process is quick and easy. Some policies offer same-day approval, and you won’t need to undertake a medical exam in many cases. Policies begin at $15 a month, and feature 10–30-year terms and up to $2,000,000 in coverage.
Established in 2021, Dayforward is an innovative new insurance company that provides term life insurance to people aged 18 to 50, with coverage of up to $500,000 of your annual income, each year. It’s great for growing families as you can extend the length of your term if you have additional children. It also offers transparent pricing and an impressively quick application process.
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.