Find the right death benefit and premium for your family.
Pacific Life
Coverage / value
From ~$28/mo (30yr, $500K)
Highlights
A+ AM Best rating
Pacific Life leads Insure.com's overall term life rankings with a 4.74 score, combining competitive rates with A+ AM Best financial strength. Excellent for straightforward term coverage needs.
New York Life
Coverage / value
Dividends since 1854
Highlights
Largest U.S. mutual life insurer
New York Life is the largest mutual life insurer in the U.S. with a 170+ year track record and dividends paid every year since 1854. The gold standard for permanent life insurance and generational wealth planning.
Banner Life
Coverage / value
From ~$34/mo ($500K)
Highlights
Legal & General subsidiary
Banner Life (Legal & General America) is consistently among the cheapest term life insurers. Offers 10, 15, 20, 25, and 30-year terms with no gimmicks — just excellent pricing for healthy applicants.
Ladder
Coverage / value
No-exam up to $3M
Highlights
Adjust coverage anytime
Ladder offers instant term life decisions online with no medical exam required for coverage up to $3 million. Unique "laddering" feature lets you adjust coverage up or down as your needs change.