Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Get a life insurance quote in under 2 minutes

Find the best cheap life insurance

Enter your ZIP code below and hit Get quotes to see the best rates near you.

Your information is secure.

1 - 5 of 6
Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
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.
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.
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.
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.
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.
loading

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
Get free life insurance quotes today
Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.

Need help? Talk to a customer specialist

X

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

Ask a Question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site