Best Term Life Insurance Apps in 2025
Compare Ladder, Bestow, and Fabric to secure your family's future with convenient, flexible, and affordable coverage.
Looking for the best term life insurance apps to secure your family's future? You're in the right place.
In this guide, we'll walk you through top-rated term life insurance apps that offer convenience, flexibility, and affordability—without the hassle of paperwork or medical exams. Whether you're newly married, starting a family, or just want peace of mind, these mobile-first platforms make getting life insurance faster and easier than ever.
Let's dive in.
Ladder Life Insurance
Ladder Life stands out for its seamless online application process and its unique ability to adjust your coverage—increase or decrease it anytime without resetting your policy. This is ideal for those going through major life changes like marriage or having children.
Key Features:
- No medical exam for coverage up to $3 million
- Ages 20 to 60 eligible to apply
- Up to $8 million in coverage (medical exam required beyond $3 million)
- Terms available: 10, 20, and 30 years
- Affordable pricing: Starts at $5/month
- Eco-conscious: Ladder plants a tree for every policy sold
- Money-back guarantee: Cancel within 30 days for a full refund
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Bestow Life Insurance
Bestow offers one of the quickest ways to get term life insurance online. Their process is fully digital, allowing you to get a quote and complete your application in under 5 minutes—no medical exam required.
Key Features:
- Coverage up to $1.5 million
- Ages 18 to 60 can apply
- 3-step process: Answer 5 questions, view pricing, get covered
- Live customer support available
- Terms available: Up to 30 years
- Pricing: Starts at $11/month
Fabric by Gerber Life
Fabric combines competitive life insurance options with value-added services like a free online will, making it a great choice for families. The application process is simple and takes as little as 5 minutes.
Key Features:
- Coverage from $100,000 to $5 million
- No medical exam required for coverage up to $1.5 million
- Terms available: 10, 15, 20, 25, and 30 years
- Pricing: Starts at $7.86/month
- Price lock guarantee: Your premium never increases
- No hidden fees
- Backed by Gerber Life
Why Use a Term Life Insurance App?
Choosing the right life insurance app simplifies the buying process and saves time. These digital platforms are designed to:
- Offer instant quotes
- Require no medical exams for most users
- Let you manage your policy from your smartphone
- Keep your premiums affordable
Final Thoughts: Which Term Life Insurance App Is Best for You?
Whether you're looking for low-cost term life insurance, high coverage, or a free will to go along with your policy, these apps—Ladder, Bestow, and Fabric—offer excellent options for different needs.
👉 All links above take you directly to the insurer's sign-up page, so you can get started right away. Plus, using our referral links helps support our mission to create more free, helpful content like this.
📺 Want help with the sign-up process? Check out our next video, where we guide you through the exact questions each app asks during sign-up so you'll know what to expect.
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