fbpx Top 3 Best Online Life Insurance Companies | Quick Approval

Top 3 Best Online Life Insurance Companies | Quick Approval

Fill out our quoter to get free quotes and apply online in minutes without talking to an agent!

Online Life Insurance

Buying life insurance online has never been easier.

More and more companies are offering direct-to-consumer approaches and faster than ever!

Read on to see which are the best online life insurance companies in 2022.

Table Of Contents

1) Ethos

Ethos Life Insurance

Ethos Life Insurance
Editor’s Rating: 5/5 Stars


Ethos has the most options of any online life insurance company, and many different products to choose from. They are also one of the few that sells whole life online.

✅ Many Product Options❌ No Term Products For Over 70
✅ Low Rates
✅ No Medical Exam On Most
✅ Instant Approval For Most

Ethos is one of the best online life insurance companies out there. They have the most amounts of options and products to choose from for almost any age.

The only downside we can see with Ethos is if you are 70+ and looking for term life insurance. You will then have to go with one of the many other companies we work with, like Mutual of Omaha, or Foresters Financial.

Overall, Ethos is one of the best companies out there and you cannot go wrong applying with them.

2) Bestow

Bestow Life Insurance

Bestow Life Insurance
Editor’s Rating: 4/5 Stars


Bestow has great rates and a very easy online application for younger people looking only for term life insurance. Unfortunately, they do not offer other products like whole life.

✅ Low Term Rates❌ No Whole Life
✅ Easy Application❌ Only Ages 18-60
✅ No Medical Exam

Bestow has a fantastic online application, however, it is only for term life insurance for younger people. They also do not accept some people with significant health issues.

If you are young and healthy and want to have an online experience without talking to anyone, Bestow may be for you.

3) Sproutt

Sproutt Life Insurance

Sproutt Logo
Editor’s Rating: 4/5 Stars


Sproutt offers term, whole, and universal life to many different ages giving you many options no matter how old you are. They also offer discounts for “quality of life” for healthy people.

✅ Works With Many Companies❌ Waiting Period On Some Whole Life
✅ Many Different Products❌ Mostly A Term Company
✅ Quality Of Life Discount❌ Above-Average Rates

Sproutt works with many different life insurance companies (like us) to find the best rates for people. However, the companies they work with have above-average rates for the industry.

Furthermore, if you are looking for whole-life options, they usually pair you with a waiting period plan at a higher monthly cost as well.

With that being said, if you are healthy and looking for term insurance Sproutt may be for you.


These are our top online life insurance company picks.

You can apply online by filling out our quoter to see your options all without having to talk to an agent.

If you have any questions, contact us or leave a comment below!