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1
25% Discount
Health I.Q.
Health I.Q.
25% Discount
25% discount for health conscious people
  • Special rate for those in good shape
  • Policies from selection of top carriers
  • Get discounted rates by completing quiz
  • Special rate for those in good shape
  • Policies from selection of top carriers
  • Get discounted rates by completing quiz
Read Review
2
National Family
National Family
Get a free quote online in just minutes
  • Term life, whole life, burial plans
  • 30-day money back guarantee
  • No medical exam needed
  • Term life, whole life, burial plans
  • 30-day money back guarantee
  • No medical exam needed
Read Review
3
Haven Life
Haven Life
Simple online application for term life insurance
  • Instant decision on coverage eligibility
  • Coverage up to $2 million
  • Offers medical exam waivers
  • Instant decision on coverage eligibility
  • Coverage up to $2 million
  • Offers medical exam waivers
Read Review
4
Ethos
Ethos
Affordable plans personally catered to your needs
  • Flexible late payment policy
  • Fast online process
  • No medical exams required
  • Flexible late payment policy
  • Fast online process
  • No medical exams required
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5
Lifeinsurance.net
Lifeinsurance.net
Personalized life insurance policies to suit your needs
  • Quick and simple application process
  • Health insurance policies available
  • Licensed in 50 states
  • Quick and simple application process
  • Health insurance policies available
  • Licensed in 50 states
Read Review
6
Great Life Insurance Group
Great Life Insurance Group
A network of over 70 insurance providers
  • Request a free quote in seconds
  • Useful dictionary of insurance terms
  • Competitive rates for all policies
  • Request a free quote in seconds
  • Useful dictionary of insurance terms
  • Competitive rates for all policies
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7
Policygenius
Policygenius
Apply now for unbiased quotes from top providers
  • Thousands of policy options available
  • No hidden fees
  • Free paramedical exam
  • Thousands of policy options available
  • No hidden fees
  • Free paramedical exam
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8
American National
American National
A trusted and versatile life insurance provider
  • Guaranteed life policies available
  • Variety of riders to customize policies
  • 4 different terms available
  • Guaranteed life policies available
  • Variety of riders to customize policies
  • 4 different terms available
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9
AAA
AAA
Versatile life insurance coverage for all purposes
  • Apply and buy completely online
  • Coverage up to $250,000
  • Policies with no need for medical exam
  • Apply and buy completely online
  • Coverage up to $250,000
  • Policies with no need for medical exam
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10
New York Life
New York Life
Flexible insurance coverage for the whole family
  • Cover entire family with one policy
  • Coverage up to $150,000
  • No medical exam or lab work needed
  • Cover entire family with one policy
  • Coverage up to $150,000
  • No medical exam or lab work needed
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11
Fidelity Life
Fidelity Life
Vast choice of comprehensive policies and terms
  • Get approved within 24 hours
  • Streamlined application process
  • No medical exam required
  • Get approved within 24 hours
  • Streamlined application process
  • No medical exam required
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12
Legal & General
Legal & General
Tailor-made policies at affordable rates
  • Convert policies without losing terms
  • Coverage for 10 to 30 years
  • Free MediGuide program
  • Convert policies without losing terms
  • Coverage for 10 to 30 years
  • Free MediGuide program
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13
Assurance
Assurance
Find the right life insurance policy to suit your needs
  • Simple application process
  • Licensed in 50 states
  • Health insurance policies available
  • Simple application process
  • Licensed in 50 states
  • Health insurance policies available
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14
AIG Direct
AIG Direct
Get $250,000 of term life coverage for as low as $14/month
  • Customize policies with riders
  • Competitive coverage at low rates
  • No-obligation term life insurance quote
  • Customize policies with riders
  • Competitive coverage at low rates
  • No-obligation term life insurance quote
Read Review
15
MetLife
MetLife
Reliable term life insurance made easy
  • Flexible policy term options
  • Coverage up to $500,000
  • No medical exam required
  • Flexible policy term options
  • Coverage up to $500,000
  • No medical exam required
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16
Gerber Life
Gerber Life
Ideal for growing families looking for a secure future
  • Specialized plans for children
  • Impressive range of policy terms
  • Guaranteed policies for seniors
  • Specialized plans for children
  • Impressive range of policy terms
  • Guaranteed policies for seniors
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17
AARP
AARP
Easily identify monthly premiums for a range of policies
  • 4 different policy plans
  • Up to $100,000 in coverage for ages 50-74
  • Eligibility for dividend payouts
  • 4 different policy plans
  • Up to $100,000 in coverage for ages 50-74
  • Eligibility for dividend payouts
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18
Liberty Mutual
Liberty Mutual
Life insurance coverage to fit your needs
  • Choose from 3 diverse policies
  • Favorable premium and payment conditions
  • Get medical exam waivers
  • Choose from 3 diverse policies
  • Favorable premium and payment conditions
  • Get medical exam waivers
Read Review
19
NavyMutual
NavyMutual
Fast and flexible coverage for military personnel
  • 3 term life and 1 whole life plan
  • Instant coverage of $250,000
  • Multiple riders for service members
  • 3 term life and 1 whole life plan
  • Instant coverage of $250,000
  • Multiple riders for service members
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20
Northwestern Mutual
Northwestern Mutual
Stable provider with range of flexible policies to choose from
  • Receive dividends on policy value
  • Coverage continues with nonpayment
  • Personalized service for specific needs
  • Receive dividends on policy value
  • Coverage continues with nonpayment
  • Personalized service for specific needs
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21
MassMutual
MassMutual
Highly customizable policies thanks to varied riders
  • Equity structure offers yearly dividends
  • Guaranteed coverage for those age 50-75
  • Excellent financial rating scores
  • Equity structure offers yearly dividends
  • Guaranteed coverage for those age 50-75
  • Excellent financial rating scores
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22
Globe Life
Globe Life
Inexpensive insurance coverage delivered swiftly
  • Inflation protection available
  • Plans for individuals and families
  • No medical examination required
  • Inflation protection available
  • Plans for individuals and families
  • No medical examination required
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Life Insurance
We find the 10 best options, so you can make informed decisions on tons of products and services.

How to Choose the Right Life Insurance 

These are the top life insurance companies on the market today. Read on for in-depth details on features, plans, and pricing.  

Health IQ

  • Healthy-living rate decrease

  • Customizable plans

  • Fast and easy online process

  • Lots of riders to add

Health IQ is a slightly newer life insurance broker that partners with a huge network of providers including some of the most reliable policy providers in the industry including John Hancock and Prudential. What makes Health IQ stand out from the competition is its approach to life insurance. Instead of charging healthy people the standard rate and those with issues a higher premium, Health IQ charges a standard fee and rewards customers who lead a healthier lifestyle with discounted rates. For example, you can save 4% on your annual rates just by proving that you live an active lifestyle. Other qualifications for the better rates include:

  • No smoking, alcohol, or substance abuse

  • A clean driving record

  • Normal blood pressure and BMI

  • Maintaining a healthy diet

Additionally, Health IQ has tailored underwriting guidelines, so you get more personalized health insurance. And since the underwriter tells your specific story, it’s likely that Health IQ will get you the lowest rate possible for your situation even if you aren’t living the healthiest lifestyle.

Finally, Health IQ offers policyholders a ton of riders. You can get policies that include add-ons like accelerated benefits and return of premiums. Not only are you paying less for your policy, you have the ability to get more out of it and faster. In fact, you might even get some of those premiums back. That’s a tremendous savings and a feature that puts Health IQ above the competition. 

Read the full review

National Family Assurance

  • Approval guaranteed up to 85 years old

  • Tremendous savings

  • No medical exam required

  • Low monthly premiums

National Family Assurance makes a pretty attractive offer: life insurance for under a $1 a day. It doesn't get much better than that. But, when taking a closer look, you realize that it actually does! National Family Assurance provides up to $500,000 in coverage for a huge range of policyholder types and appeals to a wide range of insurance seekers. The fact that the company guarantees approval for applicants who are up to 85 years old is a real sign of encouragement for the elderly looking for coverage. But the more tech-savvy generation adores National Family Assurance as well because of its fast and easy online process. All you've gotta do is fill out a short online form, and you'll get a quote within minutes.

If you like to save money, this is the place to turn. That’s because National Family Assurance saves its clients up to 70% on life insurance policies every year. You can’t argue with figures like that. Plus, National Family doesn’t require you to take a medical exam before applying. This allows more customers to get approved for the life insurance they need even if they’ve been turned down by other policy providers because of pre-existing medical conditions. With an A+ accreditation from the Better Business Bureau, National Family Assurance scores highly in the reputation department, giving customers a feeling of confidence in this top rated company. 

Read the full review

Haven Life

  • Excellent rates on term life insurance

  • No medical exam requirements for qualifying customers

  • Up to $2 million in coverage

  • Completely online process

Haven Life is true to its name, offering life insurance seekers the ability to apply, get approved for, collect, and manage their life insurance policies entirely online. Whether you don’t have a lot of time (or patience) to spare, or you just don’t like the idea of face-to-face meetings and waiting for underwriting approval, Haven Life’s modern process is the solution for you. Skip the paperwork, answer a few simple questions (online or on your mobile device), and receive your answer almost immediately.

Haven Life offers term life insurance for 10, 15, 20, or 30 years, so you have your pick of options. What’s more, this company offers up to $2 million in affordable term coverage. That is substantially more than most other life insurance providers on the market.

Backed by the reliable MassMutual and with an A++ rating, Haven Life offers a lot of benefit to those looking for fair terms and reasonable rates. For one thing, you can expect to pay level premiums every month from the first to the last. You can also add riders like accelerated death benefit or renewability if you want to continue your contract after your term has expired. With no fees or commissions, you know you are getting competitive rates when you work with Haven Life. 

Read the full review

What Life Insurance Companies Offer

Life insurance policies are designed to grant beneficiaries or loved ones a sum of money in the event of your death. This can also extend to cases that require intensive medical care, or scenarios in which an individual is unable to provide for themselves or their family due to disability. Insurers have different processes for approving applications, but will generally consider health, lifestyle, and related factors when determining the right level of coverage to offer. Life insurance is an excellent way to guarantee that loved ones will be able to maintain their standard of living and cover basic needs even if you’re not there to provide for them. 

Life Insurance Basics

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 life insurance options 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. While the vast majority of applications are approved, the application process helps the insurer to determine the amount of coverage and the rates - so do take the process seriously.

Types of Life Insurance 

There are many kinds of life insurance policies, and each offers its own unique benefits. Here are some of the most common options:

  • Term life insurance: This type of policy is not permanent, but rather covers a specific term, as the name implies. Companies will offer different terms, ranging from 5 to 30 years, but these policies will only provide coverage for the specified period. These are ideal if you’re looking for an affordable and easy-to-understand alternative. Some life insurance companies take it a step further by offering an alternative known as a convertible term insurance, which can be turned into a whole life insurance policy once the original term expires.
  • Whole life insurance: This life insurance policy covers an entire lifetime, and will provide the benefits to beneficiaries after passing, no matter when it occurs. These policies also accumulate value over time. Generally, whole life policies have higher premiums, which can be paid over the course of a lifetime, or during set terms. These policies also tend to pay out annual dividends which can be a great benefit, but they are more expensive than other options, and therefore not ideal for everyone.
  • Universal life insurance: This type of coverage is like whole life insurance, but allows greater flexibility in that you can adjust premiums and the death benefit, and also use the cash value that the policy accrues over time.  Premiums will be adjusted accordingly. This type of life insurance is more complex than whole life, and the cash value accrual is based on the insurer’s investment strategy. These policies are a good choice if you want to maintain permanent coverage even if your income is less during your retirement, especially due to the attractive ability to borrow against the cash value of the policy.
  • Variable life insurance: Although similar to whole life insurance policies, variable life insurance sets a minimum death benefit and fixed premiums. One of its most attractive benefits is the ability to improve the rate of cash value returns based on your investment portfolio. Part of the regular premium payments go towards funding this portfolio.

Regulation Information

Life insurance is regulated on a state-by-state basis across the United States. Most states do not regulate policies from the outset when coverage is first initiated like they normally do with vehicle or health insurance. This means that rules generally apply to the claim period, when beneficiaries are awarded the payout. Because the regulatory environment varies by state, it is essential to be familiar with local laws when applying for coverage.

Underwriting

The underwriting process when applying for life insurance can be significantly longer and more involved than other types of insurance. This is because companies take greater care - for example, medical examinations - to limit their exposure to risk, due to the level of funding that goes into death benefits.

Getting the right life insurance policy can give you and your family peace of mind should your circumstances take a turn for the worse. As this is a very important decision that could affect the future of your family, it’s important to compare all the best life insurance companies available and also learn about how the different life insurance policies and terms actually work.

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