Best for affordability ; Best for seniors ; Best for quick approval ; Best for higher coverage amounts ; Best for customer service
Learn about what a 30-year term life insurance policy is.
Best term life policy: Ladder Life · Best universal life policy: Corebridge Direct · Best for seniors: AARP Life Insurance · Best for military members: USAA Life Insurance · Best for higher policy limits: Prudential Life Insurance · Best for guaranteed acceptance: Mutual of Omaha Life Insurance · Best for waiting period: AAA Life Insurance
, Term Life Insurance, Permanent Life Insurance ; Duration, Typically five to 30 years, Lifetime ; Cost*, About $30/month, About $460/month ; Access to funds, No cash value to access, Cash value accumulates and can be borrowed or withdrawn ; Coverage, Up to $3 million, Up to $1 million
Key Takeaways ; Pacific Life, Protective and Symetra are the best no-exam life insurance companies, earning five out of five stars in our analysis · There are now many no-exam options that are competitively priced with policies that require full underwriting. No-exam life insurance is particularly ideal for younger, healthier individuals. These policies usually offer a simple application process and can be a cost-effective way to secure life insurance coverage.
Policygenius - Life Insurance ; 18 - 85 years old · 50,000 · 10,000,000 · 10, 15, 20, 25, 30 years · Depends on provider and policy · Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
Learn when it's worth buying a 30-year term life insurance policy, and how much you'll pay each month.
Policygenius - Life Insurance ; 18 - 85 years old · 50,000 · 10,000,000 · 10, 15, 20, 25, 30 years · Depends on provider and policy · Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
Ladder ; 20 - 60 years old · 100,000 · 8,000,000 · 10, 15, 20, 25 or 30 years · No, for coverage up to $3M · Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.
Ethos offers term and whole life insurance policies with no medical exam. The company also offers will and estate planning tools.