10 Best Term Life Insurance Companies of 2026

Ethos Life Insurance

About Ethos Term Life Insurance:

Ethos is a digital‑first life insurance broker that works with leading insurers rather than issuing policies itself. According to Ethos’ carrier page, it acts as a licensed producer and third‑party administrator and sells policies from well‑established carriers such as TruStage Financial Group, Banner Life, and Ameritas Life Insurance Corp. These partnerships allow Ethos to provide simplified term life insurance while leaving the actual underwriting to carriers with strong financial‑strength ratings. The company streamlines the application process using proprietary digital underwriting technology, so most people can apply online, answer a brief health questionnaire, and receive a decision quickly without a medical exam.

Cost and Affordability:

Premiums ultimately depend on several factors. Ethos explains that age, health, coverage amount, term length, tobacco use, lifestyle, and gender all influence life‑insurance pricing. Because Ethos uses level premiums, your rate stays locked for the duration of the term. For very young, healthy applicants, Ethos says it can offer coverage for as little as $1 per day1. Keep in mind that costs increase as you age or choose longer terms and higher coverage amounts.

Eligibility & How to Apply:

Ethos’ term life policies are available to U.S. citizens ages 20–65. Applicants answer a short online questionnaire covering health, lifestyle, and basic identification information; Ethos’ digital underwriting uses this data to determine eligibility. Because Ethos partners with top carriers, no medical exam is required for most applicants, and many people receive a decision in minutes. You can start by getting a quote, adjusting coverage and term length to see how pricing changes, and then submitting your application electronically.

<sub>1.https://www.ethos.com/life-insurance/life-insurance-student-loan-cosigners/
2. https://www.ethos.com/how-it-works/</sub>
 

SelectQuote Life Insurance

About Selectquote Life Insurance:

SelectQuote operates as a marketplace rather than an insurance company. Founded in 1985, it has nearly 40 years of experience helping consumers compare quotes from multiple carriers Its licensed agents work with a network of reputable insurers and can match your health and budget to the best‑suited term life policy. SelectQuote’s platform offers traditional term life coverage with guaranteed‑level premiums—your monthly cost stays the same throughout the term. Instant‑issue options are available for healthy applicants aged 20‑60, with coverage up to $5 million and no medical exam, approval can be as quick as less than an hour.

Cost and Affordability:

Term life policies through SelectQuote are competitively priced because the company compares quotes from multiple carriers. Average rates vary by age, health, term length and coverage amount. SelectQuote also offers same‑day coverage through its SwiftTerm Select program; healthy applicants aged 20‑60 can secure up to $5 million in coverage without a medical exam, with some policies costing less than $1/day.

Eligibility & How to Apply:

U.S. residents generally between 20 and 75 years old can request quotes; instant‑issue coverage is available for healthy applicants aged 20‑60selectquote.com. SelectQuote’s broad network of insurers includes options for individuals with pre‑existing conditionsselectquote.com, making it a good fit if you’ve been declined elsewhere.

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Corebridge Direct Life Insurance

About Corebridge Term Life Insurance:

Corebridge Financial offers term life insurance through its Select-a-Term® product, providing customizable coverage with flexible term lengths ranging from 10 to 30 years. Policies are issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (US Life), depending on your state. Corebridge has over 160 years of experience in the insurance industry and manages more than $360 billion in assets, reinforcing its stability and financial strength. With an “A” rating from A.M. Best, the company is trusted by millions to help protect their families’ futures.

Cost & Affordability:

Corebridge's term life insurance is competitively priced, with premiums that remain level for the initial term period. The cost varies based on factors such as age, health, term length, and coverage amount. After the initial term, policies can be renewed annually up to age 95, though premiums may increase.

Eligibility & How to Apply:

U.S. residents can apply for Corebridge term life insurance through Corebridge Direct, either online or by speaking with a licensed agent. The application process is streamlined, with underwriting decisions and policy delivery potentially occurring within 24-48 hours. Some applicants may qualify for coverage without a medical exam, depending on individual circumstances.

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