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Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
Everyday Life
18 - 70
10, 15, 20, 25, 30, 35 and 40 years.
Ladder multiple life insurance policies to save on the coverage you need for all your debts.
20 - 60 years old
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.
18 - 60 years old
10, 15, 20, 25, 30 years
Apply for term life insurance in minutes and get an instant decision all online. Plus, you’ll get to skip the medical exam.
18 - 65 years old
2 - 35 years
Not available in: AL, CA, CO, CT, FL, KY, ME, MS, NH, NJ, NY, ND, RI, SC, SD, VT, VI, WA
Nationwide life insurance
18 - 80 years old
10, 15, 20 and 30 years
Get term, whole, universal or no-exam life insurance with up to $1 million in coverage.

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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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