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Last updated May 2025

2025’s Best Life Insurance Plans

We have helped 100,000+ people select the ideal life insurance policy to help secure the financial future of their loved ones.

  • Top brands offering excellent service and fast claims payouts
  • Guaranteed lowest prices with exclusive deals
  • Trusted by parents, financial advisors, independent insurance agents, and more
The swiftest life insurance 1
Price for $250,000
Average monthly starting price for a healthy 35-year-old Californian male with a 90210 zip who is 5’9″ and weighs 175 lbs (non-nicotine user) for a 20 year term with a $250,000 death benefit amount. Learn more at the end of this page.
$15.30/mo
Medical Exam Required?
No
Best Policy For
Same Day Coverage
  • Ethos allows you to get a quote in minutes and up to $2M in term coverage instantly or the same day in most cases
  • Included with their life insurance policies is a will and other estate planning tools valued at $898
  • Founded in 2016 and underwritten by Legal & General America, Ameritas Life Insurance Corp., and TruStage
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1

6,759 people ranked Ethos as 4.6 on

Price for $250,000
Average monthly starting price for a healthy 35-year-old Californian male with a 90210 zip who is 5’9″ and weighs 175 lbs (non-nicotine user) for a 20 year term with a $250,000 death benefit amount. Learn more at the end of this page.
$15.84/mo
Medical Exam Required?
No, up to $3M
Best Policy For
New Parents
  • Ladder makes it easy to remove or apply for more coverage while the policy is in force
  • Ideal for young families with ever-changing needs with coverage up to $8M per person
  • Founded in 2015. To date, Ladder has provided over $78 billion in coverage and is underwritten by FidelityLife, Allianz, and Amica
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Best Price Guaranteed
1
Price for $250,000
Average monthly starting price for a healthy 35-year-old Californian male with a 90210 zip who is 5’9″ and weighs 175 lbs (non-nicotine user) for a 20 year term with a $250,000 death benefit amount. Learn more at the end of this page.
$13.22/mo
Medical Exam Required?
No
Best Policy For
Flexible Terms
  • Everyday Life offers coverage up to $10M without a medical exam and terms as long as 40 years
  • They include innovative tools to customize your policy as your needs change including turning term life into permanent life policies
  • Founded in 2018 and underwritten by Legal & General, FidelityLife, and others
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Best Price Guaranteed
1
Price for $250,000
Average monthly starting price for a healthy 35-year-old Californian male with a 90210 zip who is 5’9″ and weighs 175 lbs (non-nicotine user) for a 20 year term with a $250,000 death benefit amount. Learn more at the end of this page.
$18.05/mo
Medical Exam Required?
In some cases
Best Policy For
An Established Brand
  • Help secure your family’s financial future with Fabric – built for parents, by parents
  • Qualified applicants can get coverage without a health exam
  • Founded in 1967 and underwritten by Western-Southern Life Assurance Company
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Best Price Guaranteed
1
Price for $250,000
Average monthly starting price for a healthy 35-year-old Californian male with a 90210 zip who is 5’9″ and weighs 175 lbs (non-nicotine user) for a 20 year term with a $250,000 death benefit amount. Learn more at the end of this page.
$29.52/mo
Medical Exam Required?
In most cases
Best Policy For
High Net Worth Individuals
  • Pacific Life does not allow for online quotes, instead you are required to speak to an agent
  • One down side of Pacific Life is they require a medical exam in most cases
  • Founded in 1868 and underwritten by Pacific Mutual Holding Company
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Best Price Guaranteed
1
Price for $250,000
Average monthly starting price for a healthy 35-year-old Californian male with a 90210 zip who is 5’9″ and weighs 175 lbs (non-nicotine user) for a 20 year term with a $250,000 death benefit amount. Learn more at the end of this page.
$15.30/mo
Medical Exam Required?
No
Best Policy For
Same Day Coverage
  • Ethos allows you to get a quote in minutes and up to $2M in term coverage instantly or the same day in most cases
  • Included with their life insurance policies is a will and other estate planning tools valued at $898
  • Founded in 2016 and underwritten by Legal & General America, Ameritas Life Insurance Corp., and TruStage
See Plans
Best Price Guaranteed
Best Overall

Ranking Methodology

We ranked the best life insurance policies based on a variety of important factors including the following:

  • Average monthly starting price for a healthy 35-year-old Californian male with a 90210 zip who is 5’9″ and weighs 175 lbs (non-nicotine user) for a 20 year term with a $250,000 death benefit amount
  • AM Best rating of the underwriter
  • Whether or not a medical exam is required
  • Death benefit amount options
  • Claims experience and complaints
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews
Back up to Plans
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