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.
Life Insurance is a Complete Puzzle
Life insurance approval depends on more than just any single medical condition. Your overall health, medications, age, lifestyle, and other factors all influence how a policy may be offered—or declined. Attempting this on your own or relying on generic online advice often leads to higher rates or worse, a denial.
The safest way to secure the right outcome is by working with a licensed, experienced independent broker who understands the nuances of different policies and carrier offerings and can help you find and secure the best policy for your situation. Using a professional like Maple Valley Insurance Group does not cost you a nickel more than trying to do it yourself.
Here are some common term life carriers we work with, available across the country. While we work with other carriers, these represent some of the the easiest-to-access, reliable options for individuals considering term life insurance. All of these life insurance companies provide level premiums and level benefits, making them predictable and superior alternatives to AARP New York Life or Globe Life term policies, which increase in cost over time (increasing term insurance).
Standard Term Life Insurance From An Independent Agent (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, more liberal underwriting. 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 healthy people in their 60s to early 70s with affordable pricing. A strong choice for healthy older adults seeking cost-effective level premium coverage.
Great for healthy adults who want a more traditional, agent-guided term life solution with predictable premiums for the life of the policies chosen term. Which one might be right for you will depend upon your personal situation. Talk to an independent life insurance advisor and find out. Truth is, none of these may be a good fit. Have the conversation and find out. A few minutes of your time to avoid hours of wasted time calling around, effort, overpaying or even applying for the wrong policy.
Automated, DIY / No Medical Exam Term Life
- Ethos – no medical exam, fast online approval. Good for adults who want a quick, online-only process without talking to an agent.
- InstaBrain (Fidelity Life) – 100% instant decision life insurance for healthy applicants. Done in minutes. Ideal for those who want immediate coverage without a medical exam. While we always recommend having independent life advisor, this does not require agent/broker assistance.
Perfect for adults who want maximum privacy, speed and convenience, with policies issued entirely online.
Quick Underwriting / Agent-Assisted Term
- SBLI EasyTrak – fast underwriting/instant issue, slightly more lenient for less-than-perfect health, great for mortgage protection, legal settlements and more. Ideal for those who may have minor health concerns but still want or need level term coverage same day.
Requires a licensed broker to submit, but can give instant approval making it a good choice for those who need coverage quickly and may have a minor health problem.
Want to see which term life options you qualify for? Compare available carriers and obtain a quotation with a licensed independent life insurance advisor. Start your free comparison below.
At Maple Valley Insurance Group, based in Kalamazoo, Michigan, we help people across the country understand their insurance options and make informed decisions that best fit their needs.
No obligation. Independent advice. Multiple carriers compared.
Stop guessing which term life company is right for your age, health, and coverage needs. Our licensed independent advisors compare top term life carriers to help you find the policy that fits your life and budget.
Instant quotes. Personalized guidance. Updated 2026 term life rates.