Compare Term Life Insurance Carriers (Without Guessing Wrong)

Term life insurance is designed to cover you for a specific period—while you’re working, raising children, paying a mortgage, or covering a loan. Its purpose is to protect your income while employed from the “what ifs” for a defined period of time. It’s not final expense insurance, and it’s best suited for adults in generally good health, ages 18–70.

Here are some of the most common term life solutions we work with, available across the country. While other carriers exist, these represent the easiest-to-access, reliable options for most healthy individuals. All of these provide level premiums and level benefits, making them predictable alternatives to AARP or Globe Life term policies, which can increase over time.

1. Standard Term Life Insurance (may require medical exam)

• Banner Life – flexible term lengths, solid underwriting. Good for adults seeking traditional agent-guided coverage with predictable premiums.
• Prudential – strong national presence, competitive pricing. Ideal for those who want a large, established insurer.
• Protective – reliable coverage, strong financial ratings, excellent policy conversion provision. Best for those prioritizing stability, reputation and affordability.
• Pacific Life – term policies with flexible riders. Suited for adults who want optional features like waiver of premium or accidental death.
• North American (ADDvantage Term) – term coverage with living benenfits for Critical, Chronic and Terminal Illnesses.
• Foresters Financial – excellent term options for people in their 60s to early 70s with affordable pricing. A strong choice for older adults seeking cost-effective level coverage.

Great for healthy adults who want a traditional, agent-guided term life solution with predictable premiums for the life of the term.

2. Instant / No Medical Exam Term Life

• Ethos – no medical exam, fast online approval. Best for adults who want a quick, online-only process without talking to an agent.
• InstaBrain (Fidelity Life) – guaranteed instant decision for healthy applicants. Ideal for those who want immediate coverage without a medical exam.

Perfect for adults who want speed and convenience, with policies issued entirely online.

3. Quick Underwriting / Agent-Assisted Term

• SBLI EasyTrack – fast underwriting, slightly more lenient for less-than-perfect health, great for mortgage protection. Ideal for those who may have minor health concerns but still want level term coverage.

Requires a licensed broker to submit, but can give instant approval for qualifying applicants, making it a good choice for those who need coverage quickly and may not meet standard underwriting.

Want to see which term life options you qualify for? Compare available carriers with a licensed independent life insurance advisor. Start your free comparison now.

No obligation. Independent advice. Multiple carriers compared.

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