Which company is the best for life insurance?

Where should I get started for life insurance? I am 21 years old and shopping for life insurance. There seem to be so many choices and that makes it really confusing.

Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It is great that you are looking into life insurance while you are so young! The rates are at their most affordable while you are in your 20’s and 30s.
There are two types of life insurance:
  • whole life
  • term life
Term life insurance is bought in increments of time: 10-, 20-, 30-year terms and so on. People who purchase term life insurance usually select a period of time when their kids will be financially stable or when they plan on retiring. This option is more popular because it is the most affordable.
Whole life insurance is for the whole span of your life. While it is more expensive, it provides more coverage. Since you are getting life insurance while you are still young, you are locking in a low price that will stay the same for the whole policy term.
Every life insurance company is different; you will want to research each company’s claim settlement ratio and customer service.
There are new apps like Policygenius and Ethos that compare prices and coverages to make shopping for life insurance easier.
doesn’t offer life insurance, it’s still a good idea to evaluate your car and home insurance policies to ensure you are getting the best rates.”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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