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Protect Your Family's Tomorrow, Today
Best for Large Deposits
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8.6
Ezeebrand score
1
Fast Application
9.5
Ezeebrand score
Ladder
Apply 100% online in 5 minutes
Adjustable coverage
- Fully online process for coverage up to $3M
- No policy fees, cancel anytime
- Save money on premiums with customizable coverage
- Save money on premiums with customizable coverage
2
9.2
Ezeebrand score
Ethos
Term life insurance starting at $10/month
- Coverage from $100K to $2M
- List item No medical exam needed
- 5-minute online application
- Ages 20-65 eligible
3
8.9
Ezeebrand score
Legal & General America
Get a free online quote instantly
- Buy direct, from as little as $7 a month
- Trusted by 1,000,000+ US customers
- 4 Star Trustpilot rating
- Terms ranging from 10 to 40 years
4
8.2
Ezeebrand score
Fabric by Gerber Life
Fabric by Gerber Life
- Apply online in under 10 minutes
- 30-day money back guarantee, cancel anytime
- 30-day money back guarantee, cancel anytime
5
8.9
Ezeebrand score
AIG Direct
- Wide range of policy options, choose what fits you
- Term life insurance up to $10M+
- Apply 100% online or with the help of an agent
6
9.0
Ezeebrand score
Fidelity Life
Thoughtfully designed policies for over 100 years
- First-of-its-kind RAPIDecision® Life term products
- First-of-its-kind RAPIDecision® Life term products
- Fast and easy online application
7
8.3
Ezeebrand score
SBLI
Customizable coverage for over 115 years
- Up to $10 million in coverage
- Terms from 10 to 30 years
- “A” AM Best Rating and “A-” S&P Rating
8
8.8
Ezeebrand score
Chime®
Safe, secure & trusted by millions
Millions of users
- No monthly fees or minimums
- Get paid up to 2 days earlyˆ with direct deposit
- Fee-Free Overdraft up to $200* with SpotMe®
- Fee-Free Overdraft up to $200* with SpotMe®
9
9.0
Ezeebrand score
Varo Bank
Zero monthly fees for checking & savings
- Live customer service available all week
- Automatic savings options available
- Earn 3.00% APY & qualify to earn up to 5.00% APY¹
10
8.4
Ezeebrand score
Lending for Bad Credit
No-obligation loan request
- APR: 5.99% - 35.99%
- Loan Term: 2-180 months
- Credit Score: Poor/Fair/Good/ Excellent
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Ezeebrand Total Score
Our product scores consist of a combination of the following 3 components:
Ezeebrand measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. Ezeebrand
accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand’s reputation from Semrush. The brand reputation is based on Semrush’s analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand’s prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page, which is updated every 3 months. If the editorial team cannot locate information relevant to a brand’s Products & Services Score, it will not be included in its calculation. Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Ezeebrand’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page, which is updated every 3 months. If the editorial team cannot locate information relevant to a brand’s Products & Services Score, it will not be included in its calculation.
Editorial Reviews
Discover® Bank Cashback Debit Checking
Chime®
SoFi Checking and Savings
Our Top Choice
9.5
Ezeebrand score
Ladder
Adjustable coverage
- Fully online process for coverage up to $3M
- No policy fees, cancel anytime
- Save money on premiums with customizable coverage
- Adjust coverage as your needs change
Review Our Top Life Insurance Choices
an agent
Ladder offers term life insurance online issued by multiple insurers in all states and DC. U.S. residents aged 20 to 60 can apply for coverage online and get an instant decision. Policies through Ladder are designed to allow users to move their coverage amount up and down by applying online for more coverage or decreasing coverage with a few clicks.
Founded in 2016, Ethos Life offers term and whole life insurance policies in 49 U.S. states (excluding New York) and the District of Columbia. Ethos stands out thanks to the lack of medical exam requirements, an easy online quoting process, and guaranteed policies available for older individuals. If you need extra support throughout the application process, Ethos’ team of dedicated licensed agents will answer your questions.
Choosing the Best Life Insurance Company
Before diving in and purchasing life insurance, it is vital to understand exactly what features to look for when comparing the best life insurance companies. There are various types of life insurance that are designed to fit a wide variety of needs. Moreover, some providers offer customizable policies with added provisions known as “riders,” which can add valuable benefits.
Types of Life Insurance
If you are scratching your head wondering, “What is life insurance?” Don’t worry. It’s not as complicated as it sounds. Life insurance ensures that your spouse and children — or any other individuals who rely on your financial support — are covered in the case you die prematurely.
There are two main types of life insurance: Whole Life and Term Life. Term life insurance policies provide protection for fixed periods of time. For example, 10-, 20- and 30-year term policies at guaranteed rates. Whole life insurance has higher monthly premiums and covers you for the extent of your life or until age 120, whichever comes first.
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Policy Features
Term Life Insurance
Whole Life Insurance
Choose policy length
✓
✗
Lifelong coverage
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✓
Premium doesn't change
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✓
Lower premiums
✓
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Accumulates cash value (that can also be borrowed from)
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Policy receives dividend payments
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Compare Life Insurance Providers
Provider
Medical exam required?
Ladder
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Fabric
✗
Ethos
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Why Choose Term Life Insurance?
Because of its temporary nature, term life insurance policies can provide a substantial amount of coverage at a much lower cost than whole life insurance, especially for younger people.
Term life insurance is often popular among young families because parents typically need more coverage while kids are still living at home. Once your kids grow up and move out, the amount of insurance you need is typically lower since your children are less likely to depend on you financially.
Here are some other good reasons why people consider purchasing term life insurance:
• If your spouse would not be able to replace your salary
• If your children need college funding
• If an aging parent or disabled family member relies on your finances or care
• To pay off student loans or other large loans (cosigned loans still need to be repaid)
• To cover funeral costs
• To leave money behind to your loved ones in times of uncertainty and grief.
Don’t Just Rely on Group or Employer Life Insurance
Usually, you can purchase supplemental insurance through your company’s benefits, but this insurance does not travel with you if you move jobs — unless your company allows you to pay an expensive premium price to take your policy with you. So, if you want to fill in any gaps in coverage and make sure you can take that coverage with you if you change jobs, an individual term life policy might be worth checking out.
How Much Coverage Do I Need?
➣ How long do I need coverage? If you just got married and are starting a family, you will need at least 20 years of coverage to ensure that your children are provided for until graduation.
➣ How much can I afford? Find the balance between buying enough coverage and having a monthly premium that fits in your budget. The more coverage you purchase, the more expensive your premium (the amount you pay) will be.
➣ What will my family need if I pass away today? If something were to happen to you today, there would be a lot of financial expenses placed on your family’s shoulders.
Whether you choose term or whole life insurance depends on your current and future financial needs. Either one is essential to have, especially if you have loved ones who rely on you for financial stability.
Underwriting
Disclaimer
*Ezeebrand Rating: Ezeebrand’s Financial Strength Rating (FSR) is a measure of an insurer’s financial strength and ability to pay out claims to policyholders. An “A” rating with Ezeebrand indicates that an insurer is considered to be top of the industry in ability to meet ongoing insurance obligations.
Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products. Coverage amounts vary by state.