1
L
Ladder
Online term life you can adjust over time
- Coverage up to $3 million with no medical exam for many applicants
- Term lengths of 10, 15, 20, 25 or 30 years
- Decrease coverage later as needs change
Updated October 2026 · term length · face amount · underwriting
Compare the Best Life Insurance (2026)
Protect the people who depend on you. Compare term and permanent life insurance, including no-exam options.
About 2 minto see your matches
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By ZIP codeproviders that serve you
Step 1
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Providers
Featured life insurance providers
2
L
Lemonade
Online term life issued by Banner Life
- Policies can be issued within minutes, often without an exam
- Term lengths from 10 to 40 years
- Ages 20 to 75
3
A
AARP (New York Life)
Life insurance for AARP members, issued by New York Life
- No medical exam required; health questions apply
- Term coverage up to $150,000 ($100,000 in New York)
- For ages 50 to 74, with coverage until age 80
Our top picks, explained
Best for flexible coverage
L
Ladder
Lets you lower coverage as debts shrink, so you aren't paying for more than you need.
Pros and cons
- Adjust coverage up or down
- Fully online application
- Term only, no permanent policies
Best for long terms
L
Lemonade
One of the few online options with terms as long as 40 years.
Pros and cons
- Terms up to 40 years
- Quick online decisions
- Term only, no permanent policies
Best for ages 50+
A
AARP (New York Life)
A simple option for older applicants who want coverage without a medical exam.
Pros and cons
- No exam for members 50+
- Backed by New York Life
- AARP membership required
- Lower coverage limits
Side-by-side comparison
L | L | A | |
|---|---|---|---|
| Trustpilot rating | – | ||
| Policy type | Term | Term | Term (and permanent options) |
| Max coverage without exam | $3 million | Varies by applicant | $150,000 |
| Term lengths | 10–30 years | 10–40 years | Coverage to age 80 |
| Ages | Up to 60 | 20–75 | 50–74 |
| Visit site | Visit site | Visit site |
Provider details were checked against public sources in October 2026; confirm current rates and terms with the provider. Listings may include providers that compensate The Top 10 Experts. Order and placement may be influenced by compensation. Advertiser disclosure.
Before you choose
What to compare
Use these points to compare any life insurance provider, whether or not it appears on The Top 10 Experts.
Term
Term vs. permanent
Term covers a set period at a lower cost. Whole and universal life last for life and build cash value.
Face amount
How much coverage
A common starting point is enough to replace income for the years your family would need it, plus debts.
Exam
Medical exam or no-exam
No-exam policies are faster but may cost more or cap coverage amounts.
Rating
Carrier strength
Check the carrier's financial strength rating from agencies such as AM Best.
Common questions
How much life insurance do I need?
It depends on income, debts and dependents. Many people aim for several times their annual income.
Is term better than whole life?
Term costs less and suits most income-replacement needs. Permanent coverage can fit estate planning or lifelong needs.
Can I get coverage without an exam?
Yes. Many carriers offer accelerated or simplified-issue policies, usually with coverage limits.
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