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10 Best Term Life Insurance Companies of 2025

Get the latest information on the best term life insurance providers today. We’ve researched the top providers in the country to bring you the best options. Explore trusted reviews and find the perfect policy for your needs. Protect your family's future with the best coverage today!
#1 | Best Overall
Our Partner
Protect Your Family with Flexible Terms & Riders
  • Best for adults 20 to 60
  • Term Life policy starting around $8 a month
  • Term coverage options from 10, 15, 20, 25, 30, 35 and even 40 years

 

Apply 100% Online and Get Coverage Now!


Policy Amount$100k - $10M
Medical ExamRequired
Policy TypesTerm Life
#2
Our Partner

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.

Policy Amount$100k - $5M
Medical ExamRequired
Policy TypesTerm Life, Whole Life
#3
Our Partner
$250k in Term Life for as low as $13 a month
  • Term Life Insurance up to $10M+
  • A trusted partner since 1995
  • Apply 100% online

Policy Amount$100k - $10M+
Medical ExamRequired
Policy TypesTerm
#4
Our Partner
Term Coverage with A++ Strength and Flexible Conversion Options
  • Flexible terms & premiums: choose 10‑ or 20‑year terms; pick annual‑renewable or level premiums
  • Waiver of premium rider: stop paying premiums if you become disabled while keeping your coverage
  • Top‑rated strength: Northwestern holds the highest financial strength ratings

Policy AmountStarting at $50k
Medical ExamNot Required
Policy TypesTerm Life
#5
Our Partner

Save Time and Money by Shopping Multiple Carriers 

  • Licensed agents provide guidance to help you choose the right policy
  • Options tailored to your budget and coverage needs
  • Fast quotes available online or by phone — no pressure sales

 


Policy Amount$25k - $5M
Medical ExamNot Required
Policy TypesTerm, Whole, Universal Life
#6
Our Partner

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

Policy Amount$50k+
Medical ExamRequired
Policy TypesTerm, Whole, Universal Life
#7
Our Partner
Coverage with Flexibility to Grow Into Lifetime Protection
  • Backed by long-standing financial strength for added peace of mind
  • Option to convert term coverage into permanent life insurance later
  • Customizable term lengths

 

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Policy AmountStarting at $25k
Medical ExamRequired
Policy TypesTerm, Whole, Universal Life
#8
Our Partner
No Medical exams for Policies under $2 Million
  • A policy of up to $500k in coverage starts around $12/month
  • Get a quote in seconds with no obligation. Apply in minutes (most instantly approved)
  • Rated “Excellent" by customers on Trustpilot

Policy Amount$50k-$2M
Medical ExamVaries by policy
Policy TypesTerm Life

#1 | Best Overall
Our Partner
Protect Your Family with Flexible Terms & Riders
  • Best for adults 20 to 60
  • Term Life policy starting around $8 a month
  • Term coverage options from 10, 15, 20, 25, 30, 35 and even 40 years

 

Apply 100% Online and Get Coverage Now!


Policy Amount$100k - $10M
Medical ExamRequired
Policy TypesTerm Life

Partner Disclaimers & Disclosures:

Prudential:

All references to guarantees are backed by the claims-paying ability of Pruco Life Insurance Company. Issuance of the policy will depend upon answers to health questions set forth in the application and third-party data. SimplyTerm is issued by Pruco Life Insurance Company, located in Newark, NJ. The policy form number is ICC23-SIMPLT or SIMPLT-2024. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. If you would like information about your particular investment needs, please contact a financial professional.  COVR and ConsumerAdvocate.org are independent organizations and are not an affiliate of Prudential Financial.  Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities.

INVESTMENT AND INSURANCE PRODUCTS ARE:

• NOT FDIC INSURED

• NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

• NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, ANY BANK OR ITS AFFILIATES

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