Guardian. Guardian Life Insurance Company, which has been around for nearly two centuries, enjoys respect from financial institutions and customers alike.
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No Medical Exam*
Brighthouse Financial. Brighthouse Financial's SimplySelect policy allows qualified shoppers to fast-track their coverage without sacrificing affordability.
$30/month*
Prudential. Prudential provides competitive rates, especially for seniors and people with common medical conditions like asthma, depression, and fibromyalgia.
$23/month*
Transamerica. Transamerica offers affordable rates for every age group, former smokers, and people with common health conditions. You may even avoid the medical exam.
$19/month*
Pacific Life. Pacific Life is a good option for people with heavier builds, sleep apnea, and anxiety or depression looking for affordable term life plans.
No Medical Exam*
Lincoln Financial Group. Lincoln Financial Group offers speedy underwriting and competitive prices with its TermAccel plan, even for older shoppers who qualify.
*Prices calculated by finding the average premium per month for a $250K, 20-year term life insurance policy for a 35-year-old male non-smoker across 1) all states, and 2) preferred, preferred plus, and standard underwriting classes. Issuance of a policy without a medical exam is subject to product availability and your eligibility, and may depend upon your truthful answers to a health questionnaire. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 6/7/2021.