Starting with Haven Life which is a digital insurance firm , that provides it's clients two types of term insurance , HAVEN TERM and HAVEN SIMPLE , Haven term is a term policy with terms ranging from 10 to 30 years and coverage of up to 3 million dollars ( now that's what a call a scam ) , Haven simple is similarly a term-based policy the difference is that it provides lesser coverage amounts and shorter available periods ranging from 5 to 20 years ( sounds like a prison sentence ), it does not require a medical exam , is a massive attraction to many people , you can order both policies online without the assistance of an agent ( thank god ) , but always keep in mind that haven life does not issue the policies that it sells , haven life have great reviews and high ranking on Nerd Wallet , it is easy to apply , prices are great comparing to many other insurers , smooth and simple online experience , plus they will keep you informed about the process along the way , Customer service is great , however to some people this life insurance company is not transparent and is unresponsive complaining about their insurance cost being doubled from what they originally estimated ,.

This one is a term life insurance agency that sells policies online , however  it does not provide any additional types of life insurance or riders , but no medical evaluation is necessary for any of the plans it offers ( my kind deal ) Bestow cells term life insurance policies with terms ranging from 10 to 30 years and overs amounts ranging from 50000 to 1.5 million dollars ( sum of money I don't have ,, sad face ) the overall age limit is 60 years old , although no medical exams are required throughout the application process , Bestow will review your credit and medical history ( here we go ) , previous attempts to buy coverage and driving records , bestow sells life insurance policies that are not issued by the company , who issued them you might say , North American company for life and health insurance issues the policies , for some people this is highly recommended it takes less than 5 min to get insured , no physical exam , no annoying phone calls , you will receive an email with helpful information after you purchase the policy , for others STAY AWAY , unless you want to pay 3-4 times the initial amount , if there is a tiny issue within the last 10 years , they won't ask you if it was treated and resolved than out of nowhere "BOM" triple the price , be Aware !!!!.

 pros :none of it policies require a medical exam . 

New York life insurance is the highest rated company ( no way , it's new York what did you expect ) that offers both term and permanent insurance , it also offers both entire and universal policies for permanent life insurance , New York life insurance policies can also be turned to permanent policies , in addition you can also add writers like disability waiver of premium accidental death benefit and living benefits because the new York life website sadly doesn't always provide a lot of information about it rules ( Emmm something smells fishy ) you may be required to contact a New York life agent for more information ( nah sounds like a lot of unnecessary work ), furthermore their term insurance is more expensive than those of the majority of the companies in our assessment . it has 3.5 starts out of 5 not looking good .

This insurance company provides term and permanent life insurance , it's term policies last between 10 and 20 years ( the end is near, no one gonna live that long ) , Northwesten mutual offers universal and whole life insurance  as permanent life insurance coverage , you can begin with a term life policy from Northwstern Mutual and than you an change it to a whole life policy without  being charged additional fees or a medical exam , northwestern mutual pricing information is limited on its website , and you must acquire plans through a life insurance agent ( those guys are a lot of fun ) , the types of rides available for you to modify your policy will vary according on the policy you choose , so make sure to ask your life insurance agent for more information .

the insurance company earned 5 stars out of 5 for overall performance ( now that does put a smile on my face ) 

Lincoln financial group provides both term and universal insurance plans , it is  two-term insurance term excel and life elements provide 10 to 30 years terms in addition to coverage options ranging from 100 000 to 1 million dollars ( sum of money  I only see in GTA ) , some policyholders may be able to convert their term life insurance policy to a permanent life insurance policy , beginning at 100000 thousand dollars , you may not be required to take a medical exam ( you don't say ) depending on your application , this company offers three forms of permit life insurance which are  universal life  , variable universal life and indexed universal life , you must contact Lincoln financial if you want to apply for an insurance , Lincoln financial group has an overall rating of 3.6 out of 5 based on over 1.789 reviews . 

John Hancock offers term coverage as well as three forms of universal life insurance , it provides you with term plans with terms ranging from 10 To 30 years ( these companies love 10 to 30 ) and coverage ranging from 750 thousand dollars to 65 million dollars , ( yeah i definitely can't afford this one ) , the minimum and maximum coverage amounts are also higher than those offered by other firms , the thing is John Hancock does not offer whole life insurance ( that's a bummer ), it does offer three types of universal policies , universal life , indexed universal life , and variable universal life , John Hancock also has a money saving scheme ( now you're talking ) called vitality plus in which you can earn discounts with numerous merchants  by making healthy decisions , such as viewing a nutrition webinar or going to the gym and registering your findings on its mobile app ( ways to get scammed ) .