10 Best Life Insurance of 2025
🥇 Get $250k in Term Life for as Low as $13 a month
- Customize your policy according to your budget
- Term Life Insurance up to $10M+
- A trusted partner since 1995
- Apply 100% online
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Get term life insurance from the comfort of your couch
- Best for adults 20 to 60
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Term Life policy starting around $8 a month
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Nearly 4 in 5 people get an offer exam-free
Talk to an agent about the best coverage for your needs
- Income tax-free death benefit
- Convert some policies to long-term protection
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Offering term life policies from $100,000 to $5 million.
- Get discounts on auto insurance when you secure life insurance
- Online quotes available today
- Best for those ages 25-54.
No medical exam required
- Best for consumers 45 years and older
- Save up to $6,000 over the lifetime of your policy
- Speak with an agent to get the best policy
A trusted provider with over a century of insurance expertise
- Offers tailored life insurance, annuities, and retirement solutions through SelectQuote
- Highly rated for financial strength by independent agencies
- Committed to environmental and social responsibility initiatives
- Policies of up to $2 million in coverage starts around $32/month
- Apply in minutes, all online. No need to talk to an agent unless you want to.
- No medical exams for policies under $2 Million.
- Rated “Excellent" by customers on Trustpilot
🥇 Get $250k in Term Life for as Low as $13 a month
- Customize your policy according to your budget
- Term Life Insurance up to $10M+
- A trusted partner since 1995
- Apply 100% online
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Corebridge Direct Life Insurance
Flexible Options To Suit Your Budget
AIG Direct provides guaranteed acceptance policies for ages 50 to 85, with no need for medical exams or health questions. It also offers term life insurance for terms of 10, 15, and 30 years.
One of AIG Direct's noteworthy policies is the QoL (Quality of Life) Flex Term, which has a built-in Quality of Life rider that can pay out an advance on the death benefit to help cover care, lost income, or cost-of-living expenses in case of a disability or terminal illness. All AIG Direct term policies also offer “full convertibility,” that is, the ability to turn it into a permanent life insurance policy, and is available for critical, chronic, or terminal illnesses.
AIG Direct really stands out for its “select-a-term” product, which gives policyholders greater flexibility in choosing their own term period. Instead of offering coverage in five-year increments, this gives consumers the option of choosing one-year increments between 10 and 30 years for a total of 18 different terms. This not only gives you greater flexibility in coverage, but also can save you money by allowing you to get exactly the coverage you need—no more and no less.
Screenshot AIGDirect.com, 12/29/2020
High Marks for Pre-Existing Conditions
Part of the AIG family, AIG Direct works as an independent agency, selling policies issued by its parent company, but also from other top insurers like Prudential, Gerber, Transamerica, and Lincoln Financial. AIG Direct is a great option for applicants with complicated health histories, as many of its partners are fairly accepting of pre-existing conditions. Additionally, as an agency, it’s able to negotiate with those companies to get consumers lower rates.
Legal & General Life Insurance
About Legal & General America Term Life Insurance:
Legal & General America, backed by 180+ years of global experience through the Legal & General Group, offers term life insurance through Banner Life and William Penn, depending on your state. Their policies are built for real-life—simple, flexible, and affordable. Coverage starts at $100,000, with guaranteed level premiums and a tax-free death benefit. Optional riders, conversion to permanent coverage, and accelerated underwriting may also be available based on your health.
- Term Lengths
- 10, 15, 20, 25, 30, 35, or 40 years
- Coverage Amounts
- $100,000 – $10,000,000+
- Premium
- Locked-in rates for the full term
- Convertibility
- Option to convert to permanent coverage with no new medical exam
- Death Benefit
- Tax-free lump sum paid to beneficiaries
Cost and Affordability:
Policies can cost as little as $8 per month, depending on your age, health, term length, and coverage amount. Legal & General America is consistently rated among the most affordable term life insurers for healthy individuals.
Eligibility & How to Apply:
U.S. residents ages 20 to 75 can apply online by requesting a personalized quote. Most applicants complete a brief health review, though some may skip the medical exam through accelerated underwriting. Once approved, coverage can begin immediately with your first payment.
You could get coverage starting at $8/mo*
New York Life Term Life Insurance
Best for Policies for Seniors
New York Life has been around for over 150 years. The company is known for its financial stability and offers policies lasting between five and twenty years. Seniors can take advantage of a tax-free death benefit, along with the option to convert to whole life insurance and acquire cash value.
What They Offer Senior Citizens
If you have yet to retire and someone depends on your income, then a term life insurance policy with New York Life is a good way to go. A policy will help you leave some money behind to cover funeral costs, pay off any outstanding debts, or even give your beneficiaries a little something extra as a form of inheritance or to handle estate taxes.
Screen shot of newyorklife.com, September 19, 2019.
New York Life has partnered with AARP to offer a policy that can insure seniors up to 80 years old. This term life policy requires no medical exam and guarantees acceptance, an added benefit for seniors who may be having minor health issues.
More Policy Options for Seniors
New York Life offers more policy options that are matched to senior citizens’ needs. For instance, should you become terminally ill, you can receive some of the policy benefit before your death to handle medical costs and soften the blow of what will surely be a difficult time. Benefits of this kind, however, are not available in every state.
Another feature that should appeal to seniors is that the surviving spouse who wants to get insured by New York Life after the policyholder’s death can do so without having to undergo a medical exam. This provides your loved one with a smooth continuity of insurance, even after you’re gone.
Amica Life Insurance
Variety of Products Offered
Amica offers both term and permanent life insurance. Both types of policies offer level premiums: your monthly costs will not change for as long as you pay Depending on your age, your beneficiaries' needs, and your budget you maybe be better suited to one type or the other.
In the permanent life insurance category, Amica doesn't offer as many types of plans as some other companies. It only provides whole life plans. The company does not, for example, offer universal life, variable, variable universal life, or indexed universal life insurance policies. These types of policies provide more opportunities to build wealth, but they are not as simple as whole life. Your premium payments and earning potential may change during the life of your policy. Many customers prefer the consistency of level premium policies.
Longevity and Reputation
Amica has been in business for more than one hundred years. The company receives an A+ rating from AM Best, the insurance industry's premier rating organization. AM Best awards the company a "stable" rating, as well.
Amica is accredited by the Better Business Bureau and receives an A+ rating from that organization. However, based on 40 customer reviews on the BBB, customers have some problems with the company. It should be noted that Amica is a large company that offers many kinds of insurance, including auto, home, and renters, and many negative reviews do not pertain to life insurance at all.
The company fares much better among consumers who review it on Trustpilot: it earns 4.6 out of 5 stars. This rating is based on over 1000 reviews. Customers cite excellent customer service and competitive pricing as reasons for their positive reviews.
In addition, there have been zero complaints against Amica to the Consumer Financial Protection Bureau: another sign that the company treats its customers fairly.
Ease of Use
Getting a quote from Amica is a simple and straightforward process. You answer a brief questionnaire and the site returns a customized quote immediately. That's one advantage Amica offers over other life insurance companies. We've encountered many life insurance companies that require you to speak to an agent by phone before receiving a quote. Amica's online quoting process makes it easy to compare Amica's rates to other life insurance companies you may be considering. In addition, you can apply for an insurance policy through Amica directly online, though you will need to speak to a customer service representative to finalize your policy. You will also be required to take a medical exam.
Once you have a policy in place, you can manage your Amica account online. Customers can make payments, check the status of existing claims, and file new claims directly from the company's website.
Educational Resources
Amica provides simple-to-understand definitions of term life and whole life insurance on its website. If you're not sure how much life insurance you need, you can get advice on coverage through the company's online quote process. The company also publishes a very brief FAQ section. But overall, we thought that educational resources on the Amica website are rather thin. The company does not, for example, publish in-depth articles on life insurance basics or publish a blog.
Amica Summed Up
Amica is a very reputable, financially stable company that offers two types of level premium policies. It offers a fast, simple online quote process and the opportunity to manage your account online. The company is well worth considering if you're looking for a simple term or whole life policy.
Ethos Life Insurance
Best for Online Application
Ethos offers a 100% online process that requires no medical exam or blood tests, which substantially reduces the time it takes for an application to be submitted, analyzed, and approved.
Customers need only answer a few health questions to complete an application in about 10 minutes. Once submitted, Ethos processes the information and offers a decision, as well as coverage and rates. If you’ve been approved and find the coverage acceptable, you can activate it immediately.
Every step of the application process is guided and Ethos’s webpage provides clear and concise answers to common questions along the way. Even before beginning the sign up process, potential customers can get a quote by completing a short online form.
Ethos offers term life insurance for policyholders 20 to 65 years of age. Its policies come in 10, 15, 20, and 30-year terms, with benefit amounts ranging between $100,000 and $2 million.
Ethos also offers guaranteed issue whole life insurance for customers between the ages of 65 and 85 years and benefit amounts of $10k, $15k, $20k, or $25k.
Customers can access an abundant supply of resources to help them choose the appropriate life insurance for their situation, including calculators, FAQs, and a Life Insurance 101 page.
Screenshot ethoslife.com, June 2021
Strong Reputation
Ethos works as a producer and third-party administrator, and uses its proprietary, streamlined technology to offer customers policies from top-rated life insurance carriers, including LGA, Ameritas and TruStage. These companies carry some of the highest grades for financial strength from the leading credit agencies such as A.M. Best and S&P.
Ethos is also an A+ rated, accredited business with the BBB and has consistently scored high marks with customers, as evidenced by online reviews praising the ease and speed of the application and underwriting processes.