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1
Most Popular
Authorized Partner
TopProductReviews Score

SelectQuote Our Top Choice

  • 40+ years, 2M+ customers, $700B+ in life insurance secured
  • Affordable term plans starting at less than $1/day
  • Licensed agents help you compare and find the right coverage
2
Excellent
Authorized Partner
TopProductReviews Score

Ethos

  • Custom coverage starting at just $9/month
  • Get insured without exams, blood draws, or paperwork
  • Instant approval with no hassle - just answer a few health questions online
3
Excellent
Authorized Partner
TopProductReviews Score

New York Life

  • Offering term, whole, universal, and accumulation-focused life insurance
  • Customized coverage to fit your needs, with policies starting at $25,000
  • Free, no-obligation introductory call with a local financial professional
4
Very Good
Authorized Partner
TopProductReviews Score

Corebridge

  • $1M policies start as low as $22/month
  • Up to 45% in savings on a term life policy
  • Options for 100% online application or with help from an agent
5
Very Good
Authorized Partner
TopProductReviews Score

Fidelity Life

  • Hassle-free, no-exam life insurance with fast approval
  • Flexible coverage from $50K to $2M, with terms from 10–30 years
  • Get a free quote in minutes—no pressure, no commitment

8,923 visitors

connected with an insurer this week

How We Rate Products at TopProductReviews

We evaluate each product using a three-part scoring system designed to reflect real user interest, online presence, and overall value. Here’s how we break it down:

We track how often users explore each brand over the past week to understand what’s trending. The more clicks a product receives compared to others in the same category, the higher it scores in this area. Please note that some of our partners may sponsor placements, which can influence visibility and engagement.

To assess brand reputation, we use trusted third-party data that reflects how visible and reliable a company appears online. This includes factors like search presence, web activity, and public trust signals. If this data isn’t available, we rely more heavily on user engagement and product performance.

Our editorial team analyzes each product based on what it offers — including service variety, ease of use, customer support, unique features, and recognition or awards. Each score is carefully crafted based on these criteria, which are fully detailed on individual review pages.


Our Top Choice for Life Insurance

1
Most Popular
Authorized Partner
TopProductReviews Score

SelectQuote Our Top Choice

  • 40+ years, 2M+ customers, $700B+ in life insurance secured
  • Affordable term plans starting at less than $1/day
  • Licensed agents help you compare and find the right coverage

Understanding Policy Types

Term Life Insurance
  • Coverage for 10–30 years at fixed, affordable rates
  • Ideal for protection during peak financial responsibility periods
  • Optional riders: premium return, convertibility, critical illness
Whole Life Insurance
  • Permanent coverage with lifetime protection and cash value
  • Higher rates, but offers policy loans, cash accumulation, and dividends

Which One Is Right for You?

Term Life vs Whole Life Insurance

Cost: Lower premiums (Term) | Higher premiums (Whole)
Duration: Fixed term (10–30 years) | Lifetime coverage
Cash Value: None (Term) | Builds cash value & dividends (Whole)
Ideal For: Income replacement, debts, family needs (Term) | Estate planning, lasting savings (Whole)

How to Choose

  • Decide Your Coverage Needs – Use calculators or the DIME method
    (Debt, Income replacement, Mortgage, Education)
  • Shop the Market – Compare quotes from both online-first and
    traditional providers
  • Check Underwriting Requirements – No-exam policies streamline
    approval but may cost more
  • Explore Riders & Flexibility – Look for convertibility, waiver-of-
    premium, accelerated death benefit riders
  • Evaluate Customer Satisfaction – Prioritize companies with high
    reviews and efficient claims processes

Bottom Line

Young families: Start with term life—coverage when you need it most.
Growing income: Choose flexible providers like Ladder or Ethos.
Estate planning: Consider whole life for lifelong security and cash growth.
Value-seekers: Compare rates with MassMutual or Legal & General.

Frequently Asked Questions

You can often renew (at a higher rate), convert to whole life, or let coverage lapse.

Yes—if you need permanent coverage and want cash value growth or dividend income.

Some insurers waive the exam based on age, coverage amount, or health questionnaire.

Generally, life insurance payouts are tax-free to your beneficiaries.


This content is for informational purposes only and should not be considered a substitute for professional advice in any field.

Advertisement Disclosure: This website is a paid marketing and referral platform that connects users with independent, third-party providers based on the details submitted. We do not offer financial products, issue policies, or act as brokers, agents, or representatives for any company or service listed here. The content on this site is for general informational purposes only and is not intended as professional or legal advice. We are not associated with any government agency. Some providers may compensate us for referrals or marketing exposure, which can influence the placement and presentation of offers. Availability of products or services may vary by location, and advertised rates are not guaranteed. Submitting information through this site does not ensure qualification or acceptance. For complete details on any product or service, please reach out directly to the respective third-party provider. We do not oversee or assume responsibility for any decisions, services, or products offered by outside parties. This service is not valid where restricted by law.