This article was written and fact checked by Chris Lalor. Chris has been a licensed life insurance agent for over 20 years and helped over 5,000 clients like you.
At Life Insurance Shopping Reviews, we don't simply research the best life insurance companies and then write a review for them.
That's the way other sites do it!
Why?
Because most life insurance sites don't actually know anything about life insurance companies.
They have to hire freelance writers (typically unlicensed) who have never sold a policy in their lives, to research the companies and review them.
Our Company Reviews Are Different
Here's the difference.
We are fanatical about life insurance.
Our founders, Chris and Chris, are licensed agents and have over 30 years of experience selling life insurance.
We've tried out dozens of companies.
Why is this important?
Life insurance companies are not one-size-fits-all.
Try shopping on your own and you could choose the wrong company.
That could cost you.
For example, some companies charge up to 50% more for:
- blood pressure or cholesterol medicine
- history of heart disease or cancer in your family
- or marijuana, cigar, or chewing tobacco use
While other companies may look the other way and still give you their top tier rates!!
Shortcut: Our #1 choice for life insurance with health issues is AIG Direct. If you have any history of heart disease, diabetes, cancer, stroke, or obesity, click here for a free quote.
Bottom line:
We know who the best companies are if you want to save money.
... or if you're having trouble getting approved due to a health condition
... or if you don't want to take an exam
Please see some of our favorite companies below.
Our Favorite Life Insurance Companies
We've worked with and reviewed dozens of companies. Here are our faves.
Ladder Life Insurance
Best for: No-Exam Plans Up to Age 60
Ladder is known for a quick and easy online application with no medical exam required in many cases. They have 10, 20, and 30 year plans. They offer the most coverage without an exam in the industry. Coverage amounts start at $100,000 and go as high as $8 million.
AIG Direct
Best for: Lowest Rates or Health Conditions
AIG Direct offers a range of custom term plans up to 35-year term as well as return of premium, and permanent plans that build guaranteed cash value. Their rates will beat just about anyone if you take an exam. They're also terrific if you take medication or have health issues.
Bestow Life Insurance
Best for: Convenient and Simple Plans
Bestow is known for their simple, straight-forward 10, 15, 20, 25 and 30 year term plans up to $1.5 million. They never require a medical exam (ever) and have great rates. Rates start as low as $8 per month.
Life Insurance Company Reviews
We've spent years helping people find the right life insurance at the lowest cost. Now we are trying to help more people by writing honest reviews about the life insurance companies you come across everyday. Below we have a list of all of the life insurance company reviews we have written to-date. You can trust them to be honest and full of good informed information that will help you in deciding which life insurance company is best for you.
AAA Life Insurance Review
Term, whole & universal life insurance are three types of life insurance products offered through AAA Life.
AIG Direct Life Insurance Review
AIG Direct offers online quotes, works with healthy people (plus people in less-than-perfect health), and provides options for coverage you may not find elsewhere.
Banner Life Insurance Review
Banner Life Insurance company is part of Legal & General Group, a London-based multinational financial services company founded in 1836. Banner likes to keep their life insurance offerings simple with just term and universal life insurance.
Bestow Life Insurance Review
Bestow Insurance offers term life insurance for people between the ages of 18 and 60, and in generally good health. You can get coverage online in about 10 minutes starting at $10 a month.
CMFG Life Insurance Review
CMFG, through CUNA Mutual Group, uses its TruStage brand to sell life insurance to the public and credit union members.
Colonial Life Insurance Review
Colonial Life has one of the oldest reputations in the supplemental benefits industry. They offer life, accident, and illness policies to complement your health insurance plan.
Ethos Life Insurance Review
Ethos is not a life insurance company. They are a licensed producer and third party administrator. Founded in 2017, Ethos has developed an online platform that allows you to apply for life insurance and possibly get instant approval.
Fabric Life Insurance Review
Fabric Life offers affordable life insurance with easy, online quotes and application available 24/7. The company uses algorithms to speed up the underwriting process, with well-qualified applicants getting approved without a medical exam.
Geico Life Insurance Review
GEICO offers life insurance products through its partner, LifeQuotes.com. LifeQuotes.com provides access to dozens of life insurance carriers which makes it easy to get a quote for term, universal or whole life insurance.
Haven Life Insurance Review
Haven Life Insurance Agency, LLC, is a wholly-owned subsidiary of MassMutual and offers an easy and fast online quoting and application process for term life insurance.
Health IQ Life Insurance Review
Health IQ rewards healthy lifestyle choices by offering lower rates for people who take care of their health.
Ladder Life Insurance Review
Ladder has developed an online platform that allows you to apply for life insurance and possibly get instant approval. They have teamed up with Fidelity Security Life in 49 states and in New York with Allianz Life Insurance Company of New York.
Leap Life Insurance Review
Leap LIfe uses artificial intelligence (Policy Matching AI) technology to compare your health, habits, and hobbies against life insurance company underwriting guidelines in order to match you with the best possible policy from a company that they represent.
Lemonade Life Insurance Review
Using AI technology and chatbots, Lemonade offers a completely online experience and lightning fast claims processing through its mobile app.
Matrix Direct Life Insurance Review
Matrix Direct Life Insurance, now AIG Direct, is a life insurance company offering coverage through American General Life Insurance and The United States Life Insurance Company in the City of New York. Most policies require a medical exam, but certain term and whole life products can be purchased without one.
Mutual of Omaha Life Insurance Review
Mutual of Omaha Living Promise Whole Life Insurance has both level and graded benefit plans. Underwriting is simplified issued – and does not require a medical exam.
Nerdwallet Life Insurance Review
When you request a quote from Nerdwallet Life Insurance you will be redirected to another website called Quotacy. Quotacy is backed by Hallett Financial Group, Inc. Hallett Financial Group, Inc is a full service multi-carrier independent insurance brokerage agency.
Pacific Life Insurance Review
Pacific Life is very competitive in the term life insurance and the guaranteed universal life insurance market. Most of the time in the Top 3 when compared to other leading carriers in the life insurance market.
Protective Life Insurance Review
Protective Life's vast number of products which offer some of the most competitive prices in the market is what sets them apart from the competition. For example, they have a competitively priced 35 and 40 year level term that most companies don't offer.
Prudential Life Insurance Review
Prudential Life Insurance is one of the largest life insurance companies in the US. They offer term life and universal life insurance policies that let you add extra features to customize your coverage.
Sagicor Life Insurance Review
Sagicor is a full-service life insurance company, offering term, whole life, and universal life through SagicorNow Accelewriting no medical exam underwriting for qualified applicants.
SelectQuote Life Insurance Review
Since 1985, SelectQuote has saturated the advertising market with multiple TV, radio, & print adds per day. This is the reason they are the #1 direct to consumer insurance agency. BUT....
State Farm Life Insurance Review
State Farm may be known for their home and auto insurance but they also sell life insurance. They are a big name and reputable company, but unfortunately, have very high life insurance prices. In some cases they cost over 100% more! Please see a case study in the review.
Transamerica Life Insurance Review
Transamerica Life Insurance Company is a leader in the life insurance industry. They offer a variety of competitively priced life insurance products and riders so you can customize your policy
TruStage Life Insurance Review
TruStage is convenient and is a solid company, but is a lot more expensive compared to other online life insurance providers, limits coverage to $100,000, and only offers 5-year terms.