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Protect your family’s future with life insurance

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Apply online in just 10 minutes

1.

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Ethos

  • A quick online application process, with no medical exam required.
  • Coverage for term life insurance ranges from $200,000 to $2 million.
  • Draws fewer than the expected number of complaints for a company of its size.
  • Excellent rating on Trustpilot, Google and A+ from BBB.
See Details
on Ethos's website

2.

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Banner

  • Rated 4.5/5 on NerdWallet.
  • Monthly rate as low as $17 for a 30 year old.
  • Wide range of lengths for term offered (10, 15, 20, 25, 30, 35 and 40 years).
  • Children’s term rider and stacking term rider may be available.
See Details
on Banner's website

3.

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Ladder

  • Get $100,000 to $3 million in coverage without a medical exam.
  • A mobile-friendly, fully digital experience.
  • Issues most term life insurance policies within minutes.
  • Adjust your coverage amount at any time.
See Details
on Ladder's website

4.

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Fabric

  • Simple, 10-minute online application process.
  • Offers coverage up to $1.5M without a medical exam and up to $3M with one.
  • Access a portion of the policy’s payout early if diagnosed with a terminal illness.
  • The mobile app has extra features, like a free tool for creating a will.
See Details
on Fabric's website

What is life insurance?

Life insurance is designed to provide financial support to your loved ones after you die. Life insurance can help cover funeral expenses, mortgage payments, and other financial obligations. When you get life insurance, you enter into a contract with the insurer where you pay them a monthly premium, and in return, they will pay out a lump sum to your beneficiaries after you die.

Who should get life insurance?

If your death would have a financial impact on the people in your life, then you should get life insurance. Examples of people who should consider life insurance include:
  • Primary earners in the household
  • People with dependents
  • Stay-at-home parents
  • Small business owners 
  • Co-signers or co-owners of debt
  • insurance-product-card-logo

    Ethos

    • A quick online application process, with no medical exam required.
    • Coverage for term life insurance ranges from $200,000 to $2 million.
    • Draws fewer than the expected number of complaints for a company of its size.
    • Excellent rating on Trustpilot, Google and A+ from BBB.
    See Details
    on Ethos's website

    What type of life insurance should I get?

    There are three main types of life insurance to choose from:

    Term life insurance: Term life insurance is a lower-cost option that covers you for a set amount of years. Term life insurance is good for those with tight budgets, or who have a specific, short-term financial need for coverage.

    Permanent life insurance: Permanent life insurance covers you for as long as you pay the premiums. It’s usually more expensive than term life insurance. Permanent life insurance is good for those who are willing to spend more to ensure they are covered throughout their life.

    No-exam life insurance: This insurance doesn’t require the applicant to undergo a medical exam during underwriting. Approval is usually quicker with this type of insurance, and it may be more accessible for those with certain health conditions.
    insurance-product-card-logo

    Ethos

    • A quick online application process, with no medical exam required.
    • Coverage for term life insurance ranges from $200,000 to $2 million.
    • Draws fewer than the expected number of complaints for a company of its size.
    • Excellent rating on Trustpilot, Google and A+ from BBB.
    See Details
    on Ethos's website

    How much does life insurance cost?

    The cost of life insurance depends on factors like age, health, term length and more. The average cost of life insurance for a 40-year-old buying a 20-year, $500,000 term life policy is $26 per month. Life insurance rates vary based on your life expectancy. Factors like your age, gender, health, driving record, and occupation determine your rates.

    How much life insurance do I need?

    To figure out how much life insurance you need, add up your financial obligations. Include any long-term payments, like mortgage or student loan payments. Then subtract your assets, such as savings and other available funds. What’s left is the gap your life insurance benefits will have to fill.

    Get a quote in minutes from Ethos