10 Best Life Insurance of 2026
🥇 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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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
Term Policies Starting 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 $3 Million.
- Rated “Excellent" by customers on Trustpilot
Connect with a Licensed Agent to Find the Best Plan
- Plans as low as $1 a day with fixed rates that never increase.
- Coverage for funeral and final expense costs.
🥇 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
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.
- Term Lengths
- 10, 15, 20, 25, 30, or 35 years
- Coverage Amounts
- $100,000 – $10,000,000+
- Premium
- Level premiums for the term; renewable annually up to age 95, though rates may rise after the initial term
- Convertibility
- Convert to permanent coverage anytime during your policy’s conversion window
- Death Benefit
- Tax-free lump sum paid to beneficiaries upon the insured's passing
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.
Apply today to protect your family tomorrow
Banner Life Insurance
About Banner Life Term Life Insurance:
Banner Life, previously Legal & General America, is backed by 180+ years of global experience through the Legal & General Group. It 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 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
- 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. Banner Life 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*
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.
- Term Lengths
- 10, 15, 20 or 30 years
- Coverage Amounts
- $20,000 – $3 million
- Premium
- Locked-in rates for the full term
- Death Benefit
- Tax‑free lump‑sum payment to your beneficiaries
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.
1.https://www.ethos.com/life-insurance/life-insurance-student-loan-cosigners/
2. https://www.ethos.com/how-it-works/