Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 3, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Most life insurance companies sell online, but not many only sell online
  • Online life insurance companies may offer cheaper rates
  • Young people that are healthy should consider shopping online for life insurance

We are all very used to going online for everything we need, and life insurance is not an exception. The best life insurance companies out there offer multiple ways to buy coverage.

However, there are a handful of life insurance companies that sell only through online apps. These companies generally can offer cheaper coverage or allow medical exams to be skipped.

Shop around for affordable life insurance companies that sell only through online apps. Compare rates and coverages from multiple companies to get the best deal for you.

Enter your ZIP code now to compare free quotes from life insurance companies that sell only through online apps near you today.

What life insurance companies only sell through online apps?

Life insurance companies want to make it as easy as possible to buy coverage. Almost all companies allow you to buy life insurance online these days.

For example, you can buy USAA life insurance or Allstate life insurance online, over the phone, or in person.

However, life insurance companies that only sell online are much more uncommon.

The top online life insurance companies are:

  • Bestow
  • Ethos
  • Fabric
  • Haven Life
  • Ladder
  • LeapLife
  • Policygenius
  • Prudential
  • Quotacy
  • Sproutt

These companies are considered instant life insurance companies, meaning you can apply and get accepted within minutes.

The majority of these companies offer low-cost term life insurance with no medical exam, but some companies offer other insurance products as well.

For example, the Prudential life insurance that is offered online is only term insurance with low coverage. However, Prudential also offers a wide variety of services that aren’t offered exclusively online.

Comparing life insurance quotes online is quick and easy, whether the company only offers coverage online or through other means.

Your one-stop online guide for life insurance quotes. Get free quotes now!

 Secured with SHA-256 Encryption

Who should consider getting life insurance online?

People look for life insurance online because it’s easy and generally a much faster process than going through an agent.

If you are under 50 years old and in good health, you may qualify quickly for life insurance without a medical exam.

Make sure to be completely honest with your online life insurance application.

Omitting or lying about your medical conditions is considered insurance fraud and can cause your application or benefits to be denied according to the Insurance Information Institute.

Looking for life insurance online is also a good option for people who already know what type of coverage they want and how much life insurance they need.

For example, term life insurance is the cheapest option and can be used to cover financial obligations for your family, such as a mortgage.

However, term coverage only lasts a certain amount of time, and then the policy expires.

Whole life, on the other hand, is more expensive and lasts as long as you make your payments. There is sometimes a cash value with whole life policies that offers income opportunities.

Online life insurance applications are very straightforward, but won’t accommodate everyone. If you apply online and are denied coverage, it’s best to speak with a company directly.

Life Insurance Companies that Only Sell Through Online Apps: The Bottom Line

Life insurance companies that don’t sell only through online apps offer buyers other ways to get a quote.

People who are young and healthy may find that using a life insurance company that only sells online will be faster and easier than going through a traditional company.

No matter how you choose to buy life insurance, be sure to shop around to find the best coverage with the lowest rates for you.

Enter your ZIP code now to compare rates from life insurance companies that sell only through online apps for free.