Best for affordability ; Best for seniors ; Best for quick approval ; Best for higher coverage amounts ; Best for customer service
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.
Policy types · Term, whole ; Coverage min · $20,000 ; Coverage max · $2 million ; Am rating · A (Excellent) ; Trustpilot stars · $4.7
Add income. The golden rule is to buy a policy that can replace your income and cover your family’s cost of living for five to 10 years. To do this, multiply your salary by five or 10. ; Add financial responsibilities. Include the costs of all of your expenses now and any future expenses you can expect, including childcare, mortgage, car payments or even college tuition. ; Add final expenses. Tally up the cost of your end-of-life arrangements such as burial costs.
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.
What is no-medical-exam life insurance? · Types of no-exam life insurance · How to get life insurance without a medical exam · Best companies with no-exam life insurance options · How much does no-exam life insurance cost? · Frequently asked questions
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.
Key Takeaways ; No-exam life insurance policies have a simplified application process usually resulting in starting coverage quicker ; The three most common types of no-exam life insurance are group, simplified issue, and guaranteed issue. ; Plans are typically more expensive than medically underwritten policies.
Bestow offers convenient term life insurance with quick approval and no medical exam. Read our Bestow life insurance review for benefits, rates, and pros and cons.
Best for high returns: Allianz Life Insurance ; Best for affordability: New York Life Insurance ; Best for term life: Ladder Life