Best-Term Life Insurance for 2024

Life insurance stands as a cornerstone of sound financial strategy, serving as a crucial safeguard for the primary breadwinner or anyone supporting dependents. Term life insurance emerges as the prevalent and straightforward option among various coverage types available.

In the United States, numerous term life insurance companies vie for attention, making it impractical to cover all in one review. Instead, our goal is to present a diverse array of options, ranging from established industry leaders to emerging contenders. By offering insights into both well-known names and rising stars in the insurance landscape, we aim to illuminate the spectrum of choices awaiting you as you navigate the realm of coverage options.

term life insurance [ iStock ]
term life insurance [ iStock ]

Compare the best-term life insurance companies

Company Best for Minimum available coverage A.M. Best rating Trustpilot score J.D. Power 2023 ranking
Fabric by Gerber Life
Young families
$100,000
A+(2)
4.8
N/A
Ethos Life
Minimum coverage
$20,000
A+(1)
4.7
N/A
Flexible terms
$100,000
A
3.2
19
Everyday Life
Policy choices
$5,000
Varies
4.4
N/A
Coverage flexibility
$100,000
Varies
4.8
N/A
New York Life
Convertible policies
N/A
A++
2.4
8
Northwestern Mutual
Financial planning services
N/A
A++
N/A
10
  1. Policies underwritten by Legal and General America Insurance Company
  2. Policies underwritten by Western and Southern Insurance Company
  3. Policies underwritten by MassMutual
  4. Policies underwritten by Allianz

Our recommendations for the best-term life insurance companies

Best for young families: Fabric by Gerber Life:

Fabric by Gerber Life revolutionizes insurance with its cutting-edge digital platform, ensuring seamless accessibility and convenience. Embrace the future of insurance: exclusively online or via the intuitive mobile app. Gain access to a suite of financial-planning tools, from crafting wills to establishing college funds, catering to the diverse needs of modern families.

Forget the hassle of medical exams! Fabric streamlines the process with its automated underwriting system, providing hassle-free coverage. Choose from flexible terms spanning 10 to 30 years, with coverage ranging from $100,000 to $5 million.

Experience unparalleled customer support with Fabric’s live chat feature. Although a phone number is available, it directs you to voicemail. However, Fabric’s commitment to responsiveness ensures that your inquiries are promptly addressed.”

Keywords: Fabric by Gerber Life, digital insurance experience, online application, mobile app, financial-planning tools, term life insurance, automated underwriting system, flexible coverage, live chat customer service.

Pros:

  • Coverage starts at $20,000.
  • No medical exam is necessary for most customers.

Cons:

  • Does not have agents.

Best for minimum coverage amounts: Ethos Life:

Discover Ethos Life’s comprehensive term life insurance plans, featuring flexible terms of 10, 15, 20, and 30 years, with coverage ranging from $20,000 to $2 million. Ideal for individuals seeking affordable protection, Ethos Life stands out as a top choice in the insurance market.

With Ethos, obtaining a quote is effortless through their user-friendly online platform. Benefit from simplified issue coverage, eliminating the need for a cumbersome medical exam. Eligibility spans from ages 20 to 65, ensuring a wide demographic can secure coverage promptly. Even those aged 66 to 85 have options with Ethos, offering whole life insurance solutions. Plus, enjoy peace of mind with their 30-day money-back guarantee, showcasing their commitment to customer satisfaction.

Ethos Life policies are backed by reputable underwriters like Legal and General America, boasting an impressive A+ rating from A.M. Best. Trust in Ethos for reliable and transparent life insurance solutions tailored to your needs.

Pros:

  • Coverage starts at $20,000.
  • No medical exam is necessary for most customers.

Cons:

  • Does not have agents.

Best for flexible terms: AIG Direct:

“AIG Direct, a division of AIG, a globally recognized insurance powerhouse, extends a diverse array of insurance solutions to a vast clientele. Among its offerings are term life insurance policies spanning from 10 to 30 years, adjustable in five-year intervals, thus accommodating varying needs and preferences. Catering to individuals aged 20 to 80, coverage options range from $100,000 to $2 million.

It’s essential to note that AIG’s performance in the J.D. Power 2023 U.S. Individual Life Insurance Study positioned it at 19th out of 22 companies, scoring 762 points, below the study’s average.”

Keywords added: AIG Direct, term life insurance, insurance companies, coverage options, J.D. Power 2023, individual life insurance, insurance solutions.

Pros:

  • Five-year increments for terms.
  • Online quotes are available.
  • Coverage is available up to age 80.

Cons:

  • One of the lowest-ranked companies, according to J.D. Power.
  • The lowest available coverage is $100,000, so it may not be ideal for those with minimal life insurance needs.

Best for policy choices: Everyday Life:

“Many of the providers featured in this comprehensive review are distinguished insurance companies acting as underwriters for their own policies. However, Everyday Life stands out as an online broker, facilitating access to term life policies from reputable insurers. Notable partners include Fidelity Life (rated A- by A.M. Best), Legal and General America (rated A+ by A.M. Best), SBLI (rated A+ by A.M. Best), and more.

Everyday Life empowers you with choices, leveraging online tools and expert recommendations to tailor policies that suit your unique needs. Explore coverage options ranging from $5,000 to $2 million, catering to applicants up to age 75. Additionally, they offer no-medical-exam policies for added convenience.

Pros:

1. Diverse policy options.
2. Availability of no-medical-exam coverage.

Cons:

1. Maximum coverage capped at $2 million.
2. Limited in-person support for insurance consultations.

Best for flexible coverage amounts: Ladder Life:

Ladder Life, a top choice for term life insurance seekers in 2024, provides versatile policies spanning 10 to 30 years, with coverage ranging from $100,000 to an impressive $8 million. Eligibility for application spans from 20 to 60 years old, ensuring a broad demographic can benefit from their offerings.

Similar to its competitors, Ladder Life emphasizes a streamlined digital process, notably waiving medical exams for policies up to $3 million. Instead, applicants only need to answer health-related inquiries. However, what truly distinguishes Ladder is its unparalleled flexibility in coverage levels. This means policyholders can effortlessly adjust their coverage downwards or upwards as circumstances evolve, all with a simple online interface—a unique feature claimed to be exclusive to Ladder in the industry.

Pros:

  1. Flexible coverage adjustments throughout the policy term.
  2. No medical exam required for policies up to $3 million.

Cons:

  1. The minimum coverage threshold of $100,000 might not suit everyone.
  2. The maximum application age of 60 could restrict some individuals.

Best for convertible policies: New York Life:

Established in 1845, New York Life stands as one of the nation’s premier insurance providers, boasting a rich legacy and expansive reach. Offering an array of policy types, including term life coverage extending up to 20 years, it caters to diverse insurance needs. Despite the absence of a specified coverage amount range on the official website, New York Life facilitates personalized quotes exclusively through its extensive network of agents.

A hallmark feature of New York Life’s term policies is their convertibility, enabling policyholders to seamlessly transition to permanent life insurance solutions like whole life plans. This adaptability proves invaluable as individuals age and their financial circumstances evolve.

Pros:
1. Convertibility of term policies to various permanent life insurance options.
2. Availability of multiple life insurance riders to enhance coverage.

Cons:
1. Lack of online quoting system.
2. Requirement to engage with an agent for personalized coverage insights and information.

Best for financial planning: Northwestern Mutual:

Northwestern Mutual, the largest life insurer in the United States as per the National Association of Insurance Commissioners (NAIC), offers term life insurance policies with flexible terms ranging from 10 to 20 years or until reaching the age of 80. These policies can be converted into whole life insurance to adapt to evolving needs. However, specific coverage levels for term life are not explicitly stated online; interested individuals are encouraged to consult with a Northwestern Mutual agent for detailed information.

For comprehensive financial planning needs, Northwestern Mutual stands out by providing a diverse array of services beyond life insurance. These include disability insurance, long-term care insurance, annuities, investment brokerage and advisory services, private wealth management services, and estate planning solutions.

Pros:

  1. A comprehensive suite of financial planning services.
  2. A.M. Best A++ rating, signifying outstanding financial strength.
  3. Convertibility of term life policies to whole life.

Cons:

  1. Lack of online quoting functionality.
  2. J.D. Power ranks Northwestern Mutual at number 10, with a score of 790, which is at the study-average level.

Best for customer satisfaction: State Farm

State Farm stands out as one of the nation’s premier providers for auto and home insurance, consistently topping the charts for its comprehensive coverage. Moreover, it’s recognized as one of the leading life insurance companies in the United States by the NAIC, cementing its reputation for reliability and trustworthiness.

State Farm offers flexible term life insurance policies spanning 10, 20, or 30 years, catering to diverse needs and preferences. Notably, even individuals up to the age of 75 can secure a 10-year policy. While the minimum coverage starts at $100,000, the company doesn’t specify a maximum coverage limit, providing ample options for policyholders.

Earning the coveted top spot in the esteemed J.D. Power 2023 U.S. Individual Life Insurance Study, State Farm outshone 21 formidable competitors, solidifying its position as an industry leader in customer satisfaction and service excellence.

Key Advantages:
1. Acclaimed by J.D. Power as the premier life insurance provider.
2. Wide array of coverage riders, including disability waiver of premium, enhancing policy flexibility.
3. The option for no-medical-exam insurance streamlines application process.

Potential Drawbacks:
1. Absence of an online quoting system, requiring customers to engage directly with representatives for quotes and information.

By incorporating high-ranking keywords like “State Farm life insurance,” “J.D. Power top-ranked insurer,” and “term life insurance options,” this revamped passage is optimized to improve visibility and ranking on Google searches.

Best for U.S. military: USAA

Looking for reliable term life insurance options? USAA has you covered with two comprehensive plans tailored to meet your needs.

First up is the Essential Term plan, catering to individuals aged 21 to 35. This hassle-free option requires no medical exam and offers $100,000 in coverage. Plus, your coverage lasts until your 39th birthday, providing peace of mind for years to come.

For a more customizable approach, consider the Level Term plan, available for those aged 18 to 70. With terms spanning from 10 to 30 years and coverage ranging from $100,000 to $10 million, you’re sure to find the perfect fit. While a medical exam is required for this plan, the benefits make it worth it.

What sets USAA apart is its dedication to military members. A USAA Level Term policy comes with tailored features such as expedited coverage for deployments, wartime coverage, and guaranteed replacement of Servicemembers Group Life Insurance (SGLI) upon separation or retirement. It’s a comprehensive solution designed with your unique needs in mind.

And here’s the kicker – unlike USAA’s auto or homeowner’s insurance, which is exclusive to members, their life insurance is available to any U.S. citizen or permanent resident. That means you can enjoy the peace of mind that comes with USAA coverage, regardless of your membership status.

Pros:

  1. No medical exam coverage available, offering convenience and ease of access.
  2. Level Term plan includes benefits specifically designed for military service members, ensuring comprehensive coverage.
  3. Available to any U.S. citizen or permanent resident, extending coverage to a wider audience.

Cons:

  1. Minimum coverage of $100,000 might exceed the needs of some individuals, potentially leading to higher premiums for those seeking lower coverage amounts.
  2. Whether you’re a military member or a civilian, USAA’s term life insurance plans provide the protection and peace of mind you need.

Methodology

To ensure our findings reflect a comprehensive range of options, we meticulously curated data from various life insurance providers, spanning industry giants to niche players catering directly to consumers. Our methodology relied on thorough assessments of coverage depth and eligibility criteria gleaned primarily from official company websites, where detailed insights were obtained. Leveraging esteemed third-party evaluations, such as A.M. Best’s esteemed Financial Strength Ratings and insights from the J.D. Power 2023 U.S. Individual Life Insurance Study, bolstered the robustness of our analysis. Augmenting our research, we scrutinized Trustpilot scores, last accessed on November 28, 2023, to gauge customer sentiment and satisfaction levels. Through this rigorous process, we discerned our ‘best for’ recommendations, spotlighting each company’s distinctive strengths to guide your decision-making process.

Keywords: life insurance companies, coverage levels, eligibility, A.M. Best Financial Strength Ratings, J.D. Power 2023 U.S. Individual Life Insurance Study, Trustpilot scores, customer satisfaction.

Choosing the Best Life Insurance Company: A Comprehensive Guide for 2024

When embarking on the journey to find the best life insurance company, it’s crucial to assess several key factors to ensure the utmost protection for your loved ones. Here’s a breakdown of what to consider:

1. Financial Stability:

Before committing to a policy, it’s paramount to gauge the financial robustness of the insurance provider. Purchasing a policy only to have the company falter financially would be devastating. Assess the company’s financial stability through its A.M. Best rating, ensuring confidence in its ability to fulfill its obligations.

2. Reputation:

Opting for a company renowned for its responsive service and exceptional customer satisfaction is imperative. Platforms like Trustpilot offer valuable consumer reviews, while J.D. Power’s annual study provides insights into a company’s reputation within the life insurance industry.

3. Policy Offerings:

Life insurance comes in various forms, including term, whole, universal, variable universal, and indexed universal policies. However, not all companies offer every type. Thoroughly examine the policy offerings of multiple companies to find the most suitable coverage for your needs.

4. Seeking Assistance:

Navigating the complexities of life insurance can be daunting, particularly with permanent policies featuring cash value components. Consider enlisting the expertise of an independent insurance agent. These agents represent multiple insurance companies, offering invaluable assistance in finding the optimal blend of coverage and affordability.

By meticulously evaluating these factors, you can confidently select the best life insurance company to safeguard your family’s future.

Learn More About Term Life Insurance

What is Term Life Insurance?

Term life insurance, a crucial aspect of financial planning, provides coverage for a predetermined period, typically 10, 20, or 30 years. In the unfortunate event of your passing during this period, your loved ones receive a monetary death benefit, offering them financial security during a challenging time.

Key Decisions in Purchasing Term Life Insurance

When you opt for a term life policy, you’ll need to make three critical decisions:

1. Length of the term: Choose the duration for which the policy will remain active, aligning with your financial goals and family’s needs.
2. Death benefit amount: Determine the sum that your beneficiaries will receive in the event of your demise.
3. Beneficiaries: Typically, spouses and children are named as beneficiaries, ensuring they’re financially protected.

Understanding Term Life Insurance Premiums

Once your term life policy is in place, the insurance company calculates an annual premium. This premium depends on factors such as the chosen term length, death benefit amount, as well as your age, health condition, and occupation. The transparency in these factors helps tailor the policy to your specific circumstances.

Utilizing the Death Benefit

In the unfortunate event of your passing during the policy’s term, your beneficiaries receive the death benefit. This sum is often utilized to settle outstanding mortgages or debts, ensuring financial stability for your family. Additionally, it can be allocated towards funding your child’s education or any other essential expenses. The flexibility in utilizing the death benefit ensures your loved ones can address their immediate financial needs effectively.

Pros and cons of term life insurance

Pros:

  • Costs less than permanent life insurance
  • Simpler to understand than permanent life insurance
  • Level premiums (premium does not change during the life of the policy)

Cons:

  • Policy expires at the end of the term
  • No cash value component

TIME Stamp: Numerous Options for Term Life Insurance

Life insurance stands as a cornerstone of financial planning, offering a myriad of choices from various companies. When seeking term life coverage, it’s paramount to survey policy options from multiple providers to ensure securing the most suitable coverage for your needs.

FAQ: Exploring Key Queries on Term Life Insurance

What is the ideal term life insurance coverage amount?

Determining the optimal term life insurance coverage hinges on your family’s specific requirements. For a preliminary estimation, employ the 10X formula:

– Multiply your yearly income by 10.
– Add $100,000 for each child to encompass potential college expenses.

For instance, if your annual income is $80,000 with two children, the calculation would be:

$80,000 X 10 = $800,000
$100,000 X 2 = $200,000

Hence, totaling $1 million, you should contemplate a policy with $1 million coverage. While this formula provides a rough estimate, it’s advisable to consult a financial advisor or insurance agent to tailor coverage to your unique circumstances.

Which is preferable: term life or whole life?

Term life and whole life insurance cater to distinct financial needs, making it challenging to determine a definitive “better” option. Term life insurance offers simplicity and affordability but lacks some features of whole life policies.

Conversely, whole life insurance entails higher costs and more intricate policies but remains effective until death. Additionally, it accrues a cash value that earns interest, potentially accessible during your lifetime.

What are the drawbacks of purchasing term life insurance?

Term life insurance lacks certain features present in whole life and other permanent life insurance variants. Notably, term life policies are effective for a predetermined duration; once this term elapses, coverage ceases. Moreover, they lack a cash value component.

At what age should term life insurance payments cease?

While there’s no prescribed age to terminate life insurance payments, needs evolve with age. Typically, by their 60s or 70s, individuals have paid off mortgages and independent children. At this juncture, they might consider discontinuing life insurance or reducing coverage to solely address final expenses.

483 thoughts on “Best-Term Life Insurance for 2024”

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  4. # Harvard University: A Legacy of Excellence and Innovation

    ## A Brief History of Harvard University

    Founded in 1636, **Harvard University** is the oldest and one of the most prestigious higher education institutions in the United States. Located in Cambridge, Massachusetts, Harvard has built a global reputation for academic excellence, groundbreaking research, and influential alumni. From its humble beginnings as a small college established to educate clergy, it has evolved into a world-leading university that shapes the future across various disciplines.

    ## Harvard’s Impact on Education and Research

    Harvard is synonymous with **innovation and intellectual leadership**. The university boasts:

    – **12 degree-granting schools**, including the renowned **Harvard Business School**, **Harvard Law School**, and **Harvard Medical School**.
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