10 Best Life Insurance Companies: Expert-Rated In 2024

Life insurance can be used to help pay for things like funeral costs, college tuition, lost income, and more.

To help you choose a life insurance provider, we’ve included our top picks for the month of April below. We have outlined the differences between them and described the various prices and coverage options available.

Your financial needs, your budget, and your desired accumulation of cash value within a policy will determine the type of life insurance that is optimal for you. Independent life insurance research and analysis provider Veralytic’s data was used to determine the top life insurance providers.

Top-Rated Insurers for Life Protection

A life insurance policy can ease your mind if you are the primary breadwinner for your family or if you are concerned about their financial security in the event of your death.


Bestow provides term life insurance with a higher death benefit and no medical exam than most other businesses.

If you’re looking for life insurance but would rather avoid a medical test, we recommend Bestow. The company’s sole product is term insurance, which may be applied for and purchased online without a medical exam or other pre-purchase requirements, such as bloodwork. The maximum amount of coverage available is $1.5 million, which is more than most comparable no-exam insurance offer.

Your application for life insurance and the premium you pay are both based on the information you provide about yourself and your health, your hobbies, and your way of life. Bestow asserts that the online quote and purchase of an insurance can be completed in minutes.

North American Company for Life and Health Insurance, an A+ rated company, issues the aforementioned policies. The Lemonade app and website have been updated to include Bestow’s life insurance offerings. You can also take advantage of Bestow’s extensive library of resources.


Ethos is distinguished as a life insurance carrier since it accepts a large pool of applicants, including those who may have had trouble getting coverage elsewhere, such the elderly. In addition, potential clients can get a quote in a matter of minutes without ever having to speak to an insurance representative.

Ethos offers assured issue underwriting for its whole life insurance policies and either simplified issue or fully underwritten procedures for its term policies (no company we know of offers term policies with guaranteed coverage).

People between the ages of 65 and 85 can apply for the assured issue full life policy. Regardless of preexisting conditions, applicants are guaranteed instantaneous acceptance for up to $25,000 in coverage.

The majority of policies have what’s called a “accelerated death benefit rider” that lets policyholders cash out some of their benefits early in the event that they’re diagnosed with a terminal condition.


Policygenius is a comprehensive online marketplace for life insurance, providing easy access to plans from numerous providers, including many of the top-ranked firms we’ve profiled here. This comparison site guarantees that it will never share your personal information with third parties.

If you’re looking for a convenient one-stop shop where you can compare prices and coverage from multiple providers, look no further than Policygenius, our pick for best comparison tool and broker. Insurance giants AIG, Banner Life, Brighthouse, John Hancock, Lincoln Financial, Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI, and Transamerica are just a few of Policygenius’ many partners.

Those unfamiliar with life insurance can learn a great deal by browsing this online marketplace, which features a wealth of resources such as guides on the best kind of life insurance to purchase for those with preexisting conditions like diabetes and depression. Policygenius stands out among options for comparing life insurance quotes because of the wealth of information it provides in addition to its extensive selection of coverage options, which includes both term and permanent policies.

Personal advice from licensed agents is available through PolicyGenius if you need help selecting the appropriate policy or level of coverage. The company claims that because its employees receive a wage rather than a commission, they have no incentive to upsell or steer you toward things for which they will be paid more.

Heavenly Home

Haven Life offers a wide variety of term life insurance policies, some of which have extremely generous death payments. Its programs come with extra conveniences like will-drafting assistance via the internet.

In light of the wide variety of policy durations (10, 15, 20, 25, and 30-years) and coverage limits ($100,000–$3,000,000) offered by Haven Life, we recommend them as the finest term insurance provider.

Haven Life’s term life insurance policies can be broken down into two categories: Haven Term and Haven Simple. Haven Term includes the Haven Life Plus rider, which includes a will or trust-drafting service, health and sleep tracking apps, and a digital safe for storing vital papers.

If you’re under the age of 64, you can apply for up to $3,000,000 in coverage through Haven Term. The Accelerated Death Benefit rider is included in Haven Simple, which is offered to anyone between the ages of 20 and 55.

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