1. Haven Life: Straightforward, Affordable, and 100% Online

Backed by MassMutual, Haven Life offers term life insurance with no fluff, fast approval, and transparent pricing. You can get coverage up to $3 million, and many applicants don’t even need a medical exam. Their online interface is clean and easy to use, which makes the whole process feel way less intimidating. It’s ideal for young professionals or families looking for no-nonsense protection.

2. Ladder: Flexible Coverage That Grows With You

Ladder lets you “ladder” your coverage—meaning you can increase or decrease your policy as your needs change, all online. No hidden fees, and their policies go up to $8 million.