Best Life Insurance Updated April 2025

Prepare for the unexpected and don't leave your family without help or resources. Compare life insurance providers and get an online quote in minutes, with or without a medical exam required, from our top rated life insurance companies.

Best Life Insurance
2025 Buyer's GuideUpdated April 2025

10.0

1

10.0

30-Day Money-Back Guarantee
  • Types: Term, 10-30 years
  • Coverage: Up to $3 million
  • Age Limits: 20-60 years old
  • Medical Exam: No (just health questions on the application)
  • Quote Process: Online application, free quote
  • Other Services: None

10.0

1

10.0

30-Day Money-Back Guarantee
  • Types: Term, 10-30 years
  • Coverage: Up to $3 million
  • Age Limits: 20-60 years old
  • Medical Exam: No (just health questions on the application)
  • Quote Process: Online application, free quote
  • Other Services: None

9.8

2

9.8

Coverage in 5 Minutes- No Medical Exam Required
  • Types: Term
  • Coverage: Up to $2 million
  • Age Limits: 20-60 years old
  • Medical Exam: No
  • Quote Process: Online, free quote
  • Other Services: Free Will & Trust

9.8

2

9.8

Coverage in 5 Minutes- No Medical Exam Required
  • Types: Term
  • Coverage: Up to $2 million
  • Age Limits: 20-60 years old
  • Medical Exam: No
  • Quote Process: Online, free quote
  • Other Services: Free Will & Trust

9.5

3

9.5

  • Types: Term, 10-30 years
  • Coverage: Up to $5 million
  • Age Limits: Up to 45 years
  • Medical Exam: Maybe
  • Quote Process: Online application, free quote
  • Other Services: Wills, savings accounts, family finances

9.5

3

9.5

  • Types: Term, 10-30 years
  • Coverage: Up to $5 million
  • Age Limits: Up to 45 years
  • Medical Exam: Maybe
  • Quote Process: Online application, free quote
  • Other Services: Wills, savings accounts, family finances

9.2

4

9.2

Policies as Low as $4/Month
  • Types: Term, whole
  • Coverage: $5,000 – $100,000
  • Age Limits: 18 to 80 years old
  • Medical Exam: No
  • Quote Process: 3 minute online application, no paperwork
  • Other Services: None

9.2

4

9.2

Policies as Low as $4/Month
  • Types: Term, whole
  • Coverage: $5,000 – $100,000
  • Age Limits: 18 to 80 years old
  • Medical Exam: No
  • Quote Process: 3 minute online application, no paperwork
  • Other Services: None

8.4

5

8.4

Guaranteed Life Coverage As Low As $0.59 a Day
  • Types: Whole (Guaranteed Life)
  • Coverage: $5K to $25K
  • Age Limits: 50 - 80 years old
  • Medical Exam: No
  • Quote Process: Free quote, easy application
  • Other Services: Gerber Life Grow-Up® Plan, Accident Protection

8.4

5

8.4

Guaranteed Life Coverage As Low As $0.59 a Day
  • Types: Whole (Guaranteed Life)
  • Coverage: $5K to $25K
  • Age Limits: 50 - 80 years old
  • Medical Exam: No
  • Quote Process: Free quote, easy application
  • Other Services: Gerber Life Grow-Up® Plan, Accident Protection

Our Top Choice

10.0

1

10.0

30-Day Money-Back Guarantee
  • Types: Term, 10-30 years
  • Coverage: Up to $3 million
  • Age Limits: 20-60 years old
  • Medical Exam: No (just health questions on the application)
  • Quote Process: Online application, free quote
  • Other Services: None

10.0

1

10.0

30-Day Money-Back Guarantee
  • Types: Term, 10-30 years
  • Coverage: Up to $3 million
  • Age Limits: 20-60 years old
  • Medical Exam: No (just health questions on the application)
  • Quote Process: Online application, free quote
  • Other Services: None

Compare Features

Other Services
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Deal
30-Day Money-Back Guarantee Coverage in 5 Minutes- No Medical Exam Required Policies as Low as $4/Month Guaranteed Life Coverage As Low As $0.59 a Day
Deal 30-Day Money-Back Guarantee Coverage in 5 Minutes- No Medical Exam Required Policies as Low as $4/Month Guaranteed Life Coverage As Low As $0.59 a Day
Types
Term, 10-30 years Term Term, 10-30 years Term, whole Whole (Guaranteed Life)
Types
Term, 10-30 years Term Term, 10-30 years Term, whole Whole (Guaranteed Life)
Coverage
Up to $3 million Up to $2 million Up to $5 million $5,000 – $100,000 $5K to $25K
Coverage
Up to $3 million Up to $2 million Up to $5 million $5,000 – $100,000 $5K to $25K
Age Limits
20-60 years old 20-60 years old Up to 45 years 18 to 80 years old 50 - 80 years old
Age Limits
20-60 years old 20-60 years old Up to 45 years 18 to 80 years old 50 - 80 years old
Medical Exam
No (just health questions on the application) No Maybe No No
Medical Exam
No (just health questions on the application) No Maybe No No
Quote Process
Online application, free quote Online, free quote Online application, free quote 3 minute online application, no paperwork Free quote, easy application
Quote Process
Online application, free quote Online, free quote Online application, free quote 3 minute online application, no paperwork Free quote, easy application
Other Services
None Free Will & Trust Wills, savings accounts, family finances None Gerber Life Grow-Up® Plan, Accident Protection
Other Services
None Free Will & Trust Wills, savings accounts, family finances None Gerber Life Grow-Up® Plan, Accident Protection

Life Insurance Buyer's Guide

Shopping for life insurance doesn't really count as retail therapy, especially since it can stress us out more than anything. But with people who depend on us, it's time to think about how you can alleviate some of the aftershock that comes with a sudden passing. Thanks to modern strategies to improve the process of life insurance shopping, you don't have to waste too much time securing a policy that you're confident in.

Visit our overall top pick for Life Insurance, Ladder Life Insurance.


Our Top 3 Life Insurance Picks


1. Ladder Life Insurance - 10.0

Life insurance is an essential financial tool that provides financial protection and peace of mind to individuals and their families. Ladder Life Insurance is a prominent player in the industry, offering innovative and customizable life insurance policies. In this review, we will explore the key factors to consider before purchasing life insurance and delve into the features and benefits offered by Ladder Life Insurance. Read our full Ladder Life Insurance review.


2. Ethos - 9.8

Built into their name, Ethos revolves around the ethics of working with their clients and providing a service that puts policyholders first. Everything that Ethos does is built around this ideal, from their non-commissioned licensed team to affordable term life policies. Ethos only offers term life insurance in order to give their clients a budget-friendly coverage plan.  Read our full Ethos review.


3. Fabric - 9.5

Fabric Life Insurance offered by Gerber Life is a comprehensive and reliable life insurance solution that provides financial security for you and your loved ones. With its range of flexible coverage options and affordable premiums, Fabric offers a compelling choice in the life insurance market. Read our full Fabric review.

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