11 Best Life Insurance Policies Compared for 2021

Find the best life insurance policy for the lowest price. We’ve done all the mind-numbingly boring research so that you don’t have to! Read more about our unbiased ranking methodology and advertiser disclosure.

bestow
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD 

$9.21/mo

MEDICAL EXAM REQUIRED?

No

BEST
POLICY FOR

Ages
18 to 59

  • Bestow makes it possible to get covered in under 8 minutes via their hassle-free 100% online application process
  • Quickly get a quote and secure life insurance coverage of up to $1.5M without a medical exam
  • Founded in 2016 and underwritten by North American Life Insurance Company
policy genius
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$7/mo

MEDICAL EXAM REQUIRED?

In some cases

BEST
WEBSITE FOR

Comparing
Policies

  • Compare dozens of life insurance policies from all the major providers in one place
  • Easily filter for the coverage you want and get support from their award-winning customer service team
  • Founded in 2012, Policygenius has helped hundreds of thousands of people find affordable life insurance policies
haven life
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$8.94/mo

MEDICAL EXAM REQUIRED?

In some cases

BEST
POLICY FOR

Holistic
Wellness

  • Haven Life offers a holistic program that helps you enjoy a more healthy lifestyle
  • Impressive customer satisfaction track record and easy sign up process
  • Founded in 2014 and underwritten by MassMutual
principal
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$14/mo

MEDICAL EXAM REQUIRED?

In some cases

BEST
POLICY FOR

Universal
Life

  • Principal is one of the nations oldest and best regarded life insurance companies
  • They offer a variety of creative policies including term, universal, indexed universal and survivorship insurance
  • Founded in 1879 and underwritten by Principal Financial Group
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$10.45/mo

MEDICAL EXAM REQUIRED?

In some cases

BEST
POLICY FOR

Whole
Life

  • Mutual of Omaha allows individuals to convert term to permanent life insurance
  • Multiple term and whole life insurance options for a variety of consumers needs
  • Founded in 1909, Mutual of Omaha is a mutual insurance company supported by its members
ladder
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$9.63/mo

MEDICAL EXAM REQUIRED?

No, up to $3M

BEST
POLICY FOR

Flexible
Terms

  • Ladder makes it easy to remove or apply for more coverage while the policy is in force
  • Ideal for young families with ever-changing needs with coverage up to $8M per person
  • Founded in 2015 and underwritten by Allianz Life Insurance Company of North America and Allianz Life Insurance Company of New York
fabric
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$6/mo

MEDICAL EXAM REQUIRED?

In some cases

BEST
POLICY FOR

New
Parents

  • Fabric is a one-stop shop for life insurance, wills, and tools to organize your family’s finances
  • They will match 1% of the term policy’s death benefit coverage and donate it to a charity of the policyholder’s choice
  • Founded in 2015 and underwritten by Vantis Life and Penn Mutual
sproutt
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$7/mo

MEDICAL EXAM REQUIRED?

No

BEST
WEBSITE FOR

Filtering
Plans

  • Sproutt life insurance rewards healthy lifestyly choices
  • Their questionnaires are conversational and easy to use even on a mobile device
  • Founded in 2015 and underwritting varies by policy
prudential
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$18.74/mo

MEDICAL EXAM REQUIRED?

In some cases

BEST
POLICY FOR

High Net Worth Individuals

  • Prudential offers high coverage limit options for people wanting large death benefit policies
  • They are also one of the oldest and most established life insurance companies
  • Founded in 1875 and underwritten by Prudential Life
pacific life
4.1
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$10.76/mo

MEDICAL EXAM REQUIRED?

In some cases

BEST
POLICY FROM

An Established Brand

  • Pacific Life doesn’t allow for online quotes, instead you are required to speak to an agent
  • On policies up to $249,999 there’s no medical exam required
  • Founded in 1868 and underwritten by Pacific Mutual Holding Company
aig direct
3.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$14/mo

MEDICAL EXAM REQUIRED?

In some cases

BEST
POLICY FOR

Pre-Existing Conditions

  • AIG is the best option for people with pre-existing conditions like diabetes, asthma or cancer
  • One of the largest insurance companies in the world
  • Founded in 1919 and underwritten by AIG

bestow
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important. Learn more at the end of this page.

STARTING PRICE FOR 35-YR-OLD

$9.21/mo

MEDICAL EXAM REQUIRED?

No

BEST
POLICY FOR

Ages
18 to 59

  • Bestow makes it possible to get covered in under 8 minutes via their hassle-free 100% online application process
  • Quickly get a quote and secure life insurance coverage of up to $1.5M without a medical exam
  • Founded in 2016 and underwritten by North American Life Insurance Company

SwiftScore Ranking Methodology

We ranked the best life insurance policies based on a variety of important factors including the following:

  • Average monthly starting price for a healthy 35-year-old male who is 5’9″ and weighs 175 lbs for a 10 year term at the insurers lowest death benefit amount
  • AM Best rating of the underwriter
  • Whether or not a medical exam is required
  • Death benefit amount options
  • Claims experience and complaints
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews