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Last updated March 2026

2026’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
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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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Best Price Guaranteed
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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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.
$27.07/mo
Medical Exam Required?
In most cases
Best Policy For
Military and veterans
  • Term life insurance policies can be continued after the original term length at more expensive rates or reduced coverage level
  • Final expense life insurance is a whole life policy that just covers funeral, burial, and other final expenses
  • Founded in 1875 and underwritten by The Prudential Insurance Company of America and Pruco Life Insurance 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.
Application required
Medical Exam Required?
Yes
Best Policy For
Whole life
  • New York Life operates only through agents, so you cannot get an online quote
  • Term life insurance is available in a yearly renewable term ideal for people who need temporary coverage or the more typical level term with a set length
  • Founded in 1845 and underwrites its own insurance policies, sometimes as NYLIFE Insurance Company of Arizona or New York Life Insurance and Annuity Corporation
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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.
$82.50/mo
Medical Exam Required?
No
Best Policy For
Existing customers
  • Liberty Mutual offers life insurance through its partner TruStage instead of directly selling policies
  • Policyholders can convert a term policy into a whole life insurance policy
  • Founded in 1912 and underwritten by Protective Life Corporation, TruStage or Members Life Insurance 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.
$30.44/mo
Medical Exam Required?
In some cases
Best Policy For
Return-of-premium insurance
  • Five term life insurance policies, four whole life insurance policies, and three universal life insurance policies with multiple types of riders gives flexibility to choose the right plan
  • Discounts are available by bundling with State Farm home or auto insurance
  • Founded in 1922 and underwritten by itself with State Farm Life Insurance Company or State Farm Life and Accident Assurance Company in New York and Wisconsin
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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.
Application required
Medical Exam Required?
Yes
Best Policy For
Policies for children
  • Life insurance for children is available from age 14 days to 17 years old with no medical exam
  • Coverage is guaranteed to be issued for people aged 45 to 85 (or 50 to 75 in New York)
  • Founded in 1909 and underwritten by United of Omaha Life Insurance Company or by Companion Life Insurance Company in New York
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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.
Application required
Medical Exam Required?
In some cases
Best Policy For
Rider options
  • Many policy options for term, whole, and universal policies, including indexed and variable universal plans
  • Discounts are available for bundling with home and auto insurance
  • Founded in 1925 and underwritten by Nationwide Mutual Insurance Company, Freedom Specialty Insurance Company, and Freedom Specialty Insurance Company
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Best Price Guaranteed
1
Show More
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
View 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

Frequently Asked Questions

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We help you narrow your options and build confidence in your shortlist. Every pet and owner is different, so the final decision will always be yours.

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