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Advertising disclosure

X

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

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Best Term Life Insurance Companies of 2024

Take the guesswork out of life insurance and protect your family from unexpected financial burdens. We compare the leading term life insurance companies to help you choose the best one.

9.8Exceptional

Ladder

Apply 100% online in 5 minutes

  • Fully online process for coverages up to $3 million
  • No policy fees, cancel at any time
  • Save on premiums with customized coverage
  • Adjust coverage to fit your needs

9.8
Exceptional

9.2Excellent

Ethos

Term life insurance starts at $10/month

  • Coverage from $100K to $2M
  • No medical exam required
  • Online application in 10 minutes
  • Age between 20 and 85

9.2
Excellent

8.3Great

Haven Life

Apply now for up to $3M in term life insurance coverage

  • Online application – anywhere, anytime
  • Immediate decision on eligibility
  • Ages 18-64 are eligible
  • A Mass Mutual company

8.3
Great

9.8Excellent

Pets Best

Choose your own vet, cover multiple pets

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  • Etiam ultrices massa eget hendrerit bibendum.
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9.8Excellent

Pets Best

Choose your own vet, cover multiple pets

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  • Etiam ultrices massa eget hendrerit bibendum.

Choosing the Best Life Insurance Company

When considering the purchase of life insurance, it is crucial to have a clear understanding of the features to seek out when comparing different companies. The market offers various types of life insurance, each tailored to meet specific needs. Additionally, some insurers offer the option of customizing policies with additional benefits, also known as “riders,” which can be advantageous.


Types of Life Insurance

If you’re feeling uncertain about what life insurance is, don’t worry – it’s not as complex as it may seem. Essentially, life insurance guarantees financial support for your dependents in the event of your premature death, such as a spouse or children. Life insurance comes in two main forms: whole life and term life. Term life insurance provides coverage for a specified period, typically 10, 20, or 30 years, with fixed rates. On the other hand, whole life insurance is more expensive per month, but it provides coverage for your entire life or until the age of 120, whichever comes first.


Why Choose Term Life Insurance?

Term life insurance policies are a popular choice for individuals seeking coverage for a limited time frame. These policies offer a significant amount of coverage at a lower cost compared to whole life insurance, making it an affordable option for young people. Families with young children often opt for term life insurance since they require more coverage during the time their children are dependent on them. As children grow up and become financially independent, the need for insurance decreases, making term life insurance a viable option for those seeking temporary coverage.


Best Overall Term Life Insurance Company

9.8Exceptional

Ladder

Apply 100% online in 5 minutes

  • Fully online process for coverages up to $3 million
  • No policy fees, cancel at any time
  • Save on premiums with customized coverage
  • Adjust coverage to fit your needs

9.8
Exceptional