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Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
Ladder
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.
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Bestow
Bestow
18 - 60 years old
$50,000
$1,500,000
10, 15, 20, 25, 30 years
No
Apply for term life insurance in minutes and get an instant decision all online. Plus, you’ll get to skip the medical exam.
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Nationwide life insurance
Nationwide life insurance
18 - 80 years old
$250,000
$5,000,000
10, 15, 20, and 30 years
Depends on policy
Select Go to site to apply for Nationwide Life Essentials: 21-55 years, no medical exam required.
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JRC Life Insurance
JRC Life Insurance
18 - 85 years old
$5,000
$50,000,000
10, 15, 20, 25, 30, 35, 40 years to lifetime/age 121
May be required
Compare policies up to $10 million from 45+ top insurance companies with the click of a button.
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Policygenius - Life Insurance
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.
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Compare the different types of life insurance

FeatureTerm lifeWhole lifeUniversal lifeVariable lifeSimplified lifeGuaranteed issueFinal expenseGroup life
Coverage for a set period
Lifelong coverage
Guaranteed death benefit
Requires health questionnaire
Requires medical exam
Fixed premiums
Flexible premiums
Builds cash value
Offers tax free loans
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Should I buy directly or through a broker?

You have options when shopping for a life insurance policy. You’ll find brokers that work with a range of companies to help you find the best prices in their network on the coverage you need, but they may not offer the personalized service you’ll find with a direct agent.

Both broker and agents work on behalf of providers to sell you a life insurance policy. It all comes down weighing each against what you’re looking for.

Buying life insurance from a broker

  • Not limited to one provider, offering access to a wide range of products for potentially greater choice
  • Can flex their knowledge of the market to help you find coverage to suit your circumstances
  • Can help you assess your situation to determine the type and amount of coverage you need
  • Can offer overall advice regarding life insurance and annuities
  • Depending on their expertise, may offer higher coverage levels and stronger features outside of your typical policy

Guide to life insurance brokers

Buying direct from an insurance provider

  • Limited to one provider’s products, though with expertise to talk about them in detail
  • May allow you to fully sign up online or by phone, with immediate conditional approval
  • Online providers may offer faster underwriting and turnaround
  • Direct products are beginning more — with some offering coverage amounts of up to $15 million

Guide to life insurance agents

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