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3 Top Life Insurance Companies Of 2024
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Ethos
- Ethos does not require a medical exam for term life policies with coverage up to $2 million.
- Ages 20-60 can apply for term life insurance.
- Coverage: $100,000-$2,000,000
- Instant online approvals.
- Ethos has provided over $65 billion in coverage to more than 200,000 families.
- Ethos life insurance is currently available in all states except New York.
Ladder
- Ladder offers term life insurance to people between the ages of 20 and 60.
- Coverage: $100,000 – $8,000,000
- Instant approval in many cases.
- Medical exams not required if you are applying for coverage up to $3 million, just some health questions are asked.
- Through “laddering,” policy holders can decrease or apply to increase their coverage during their term as needed.
- Ladder has provided more than $56 billion in coverage to customers.
- Life insurance through Ladder is currently available across all 50 states and Washington, D.C.
Fabric
- Fabric by Gerber Life offers term life policies in 10, 15, 20, 25, and 30 year periods.
- Must be between the ages of 21 and 70 to apply.
- Coverage: $100,000 – $5,000,000
- Could get an instant decision without a medical exam.
- Fabric is available in all states except California, and New York.