The carriers we quote

Personalized for you. No medical exam, no spam calls, instant approval.

Ethos

4.8 / 5

No medical exam required • Fast approval • Fully online

Term: Term Life Plus
Whole: Guaranteed Whole Life
Underwriting: Instant

Instabrain

4.6 / 5

Instant underwriting • Digital experience • Mobile managed

Term: SmartTerm AI
Whole: SmartLife Permanent
Underwriting: Instant

Americo

4.4 / 5

Living benefit riders • Simplified issue • Strong final expense

Term: Continuation Term
Whole: Eagle Premier Whole Life
Underwriting: 48 hours

Transamerica

4.5 / 5

High coverage limits • Established carrier • Flexible riders

Term: Trendsetter Super
Whole: Financial Foundation IUL
Underwriting: 3–5 days

American Amicable

4.3 / 5

Mortgage protection focus • Simplified issue • Return of premium

Term: Term Made Simple
Whole: Home Protector Whole Life
Underwriting: Instant

Corebridge

4.6 / 5

18 term lengths • Competitive large-face pricing • A+ rated

Term: Select-a-Term
Whole: Guaranteed Universal Life
Underwriting: 2–3 days

Aetna

4.2 / 5

Health-focused underwriting • Living benefits • Nationwide

Term: Accendo Term
Whole: Protection Series Whole Life
Underwriting: 5–7 days

Mutual of Omaha

4.7 / 5

Household-name carrier • Excellent claims service • Riders included

Term: Term Life Express
Whole: Living Promise Whole Life
Underwriting: 1–2 weeks

Foresters

4.1 / 5

Member benefits • Charitable focus • No-exam options

Term: Your Term
Whole: PlanRight Whole Life
Underwriting: 2–3 weeks

Combined Insurance

4.0 / 5

Supplemental bundling • Worksite plans • Accident riders

Term: Combined Term Select
Whole: Whole Life Advantage
Underwriting: 1–2 weeks