Best Term Life Insurance Companies: Reviews | CentSai

Best Life Insurance Companies

Last updated: May 30, 2024
Best Overall

Quotacy is an independent online life insurance broker with one simple goal: to make it easier for people to provide financial security for their loved ones. Whether you’re in perfect health, have pre-existing health conditions, or are an avid cliff diver, Quotacy can help you.


  • Free quotes & compare policies in 5 minutes
  • No contact information required for quotes
  • Provides many online resources & advice
  • Multiple customer service options
  • Ability to shop your case with multiple top-rated carriers.
Don't get overwhelmed trying to find life insurance for you or a loved one. Check out CentSai's guide to the best term life insurance companies today. #CentSai #LifeInsurance #Insurance #Health
Don't get overwhelmed trying to find life insurance for you or a loved one. Check out CentSai's guide to the best term life insurance companies today. #CentSai #LifeInsurance #Insurance #Health
Easy Application

Life Insurance that is actually simple! Issued by MassMutual: A leading insurer with over 160-years of experience!


  • Easy Online Experience. Apply anywhere, anytime, on any device!
  • Immediate Coverage Decision
  • No Medical Exam – Some of up to Age 45 will Qualify to Skip the Exam Based on Application
No Medical Exam
  • Get a quote in seconds, just fill out 5 fields
  • Instant issue term life policy, as long as you’re approved
  • Ages 21-54
  • All US states, except New York
  • 100% online, no medical exam ever
Competitive Rates

Ladder offers online term life insurance coverage with competitive rates. Apply online and manage all policy aspects through Ladder’s web portal.


  • Flexibility to adjust coverage 
  • Term lengths: 10, 15, 20, 25 or 30 years
  • Ages 20 – 60
  • No policy, processing, or cancellation fees
  • Available in all states except New York
Best for Families

Fabric makes buying life insurance quick, easy, and affordable.  Fill out our 5-minute application, all on your computer or phone. 


  • No sales calls or agent meetings required!
  • Help protect your family with 10, 15 & 20-year term life insurance policies
  • Apply for $100,000 to $5,000,000 of coverage, could be approved immediately
  • Policies issued by Vantis Life Insurance Company
Tobacco Users Accepted

John Hancock was founded in 1862 and is headquartered in Boston, Massachusetts. They serve over 3.5 million policyholders and pay over $2.3 billion in claims annually.


  • Time in Business: 157 Years
  • AM Best Financial Rating: A+
  • Smooth, accelerated underwriting process
  • Excellent for Tobacco Users
Various Lifestyles Coverage

Regardless of what stage of life an individual may be in, Prudential offers a form of life insurance that can help build a strong financial foundation.


  • Locations in 41 countries
  • Time in Business: 144 Years
  • Excellent for Active Military Members
  • Best option for Individuals with driving record issues (DUI/DWI)
No Exclusions

AIG is one of the biggest insurers in the world, serving 90 million customers in about 80 countries. AIG’s financial strength is “excellent,” according to ratings agency A.M. Best.


  • Time in Business: 98 Years
  • Excels at competitive pricing
  • Excellent for Foreign Nationals and Travel
Best For Families

Principal Financial Group offers excellent term life insurance policies in addition to universal life, variable universal life, and survivorship insurance around the world.


  • Time in Business: 140 Years
  • Covers children with health impairments
  • Excellent for Aviation and Pilots
  • Covers illnesses like: ADHD
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