Protect your family.
A new baby, a new mortgage, a single income to protect - generic "best of" lists don't know which one is yours. We match term life coverage to your life stage, so you buy the right amount for the right reasons.
Free guides. No sign-up. We may earn a commission if you buy through our links - here's how that works.
How much coverage do you need?
Answer four questions - this is the math behind every recommendation.
Source: LIMRA 2024 Insurance Barometer Study.
Different stages, different coverage
The right policy for new parents isn't the right policy for empty-nesters. Pick your stage.
New parents
Income replacement plus childcare and college costs. Usually the highest-need stage - and the cheapest time to buy.
New parents guide →New homeowners
A mortgage is a 30-year promise. Match your term length to the loan so the house is safe either way.
Size your coverage →Single-income households
When one paycheck carries the family, the coverage math is unforgiving. Here's how to get it right.
Read the guide →Top term life companies, side by side
Five established options, from digital-first brokers to traditional carriers. Your price depends on age, health, and coverage amount - run real quotes to compare.
| Company | How it works | Best for | Medical exam | Standout feature | Quote |
|---|---|---|---|---|---|
| Ethos | Online broker | Shoppers who want to compare multiple carriers at once | Usually not required | Compares policies from carriers including Legal & General America, Ameritas, TruStage, Protective, Mutual of Omaha, and John Hancock. 30-day money-back guarantee; licensed in 49 states plus D.C. | Get a quote |
| Ladder | Direct digital insurer | People whose coverage needs may change over time | Often not required | Coverage from $100K to $3M. Raise or lower your coverage as needs change (its signature "laddering" feature). | Get a quote |
| Fabric by Gerber Life | Direct insurer, parents-focused | New and young parents | Usually not required | Term coverage from $100K to $1.5M for ages 18-60. Free wills for policyholders; backed by Gerber Life. | Get a quote |
| Policygenius | Independent marketplace | Shoppers who want quotes from many insurers side by side | Depends on the carrier | Not an insurer itself - an independent marketplace that compares policies from top-rated carriers. | Get a quote |
| Banner Life | Traditional carrier (Legal & General America) | Buyers who want an established insurer with digital options | Accelerated underwriting for eligible applicants | Long-established U.S. carrier. Term lengths from 10 to 40 years; buy direct online. | Get a quote |
Company details are typical features widely published by each company; details change and vary by state and applicant. Always confirm current terms on the company's website before applying. Quote buttons are placeholders until partner links are live.
Term life, explained plainly
How much do I need?
The income-replacement math, the DIME method, and an interactive calculator.
Try the calculator →Term vs. whole life
The honest comparison: cost, cash value, and when each one actually makes sense.
Read the comparison →How term life works
Premiums, underwriting, beneficiaries, and what happens when the term ends.
Read the guide →