Life Insurance Companies is one of the important parts for students those are going to study abroad. If you are planning to study overseas and looking for scholarships, this post may be helpful for you to find out the best insurance companies for you. Today, we will show you the list of the most popular online assurance for students.

Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses, such as funeral expenses, can also be included in the benefits.


List of the Life Insurance Companies

  1. Bestow
  2. Esurance
  3. Ethos
  4. Fabric
  5. Haven Life
  6. Ladder
  7. Policygenius
  8. Prudential
  9. Quotacy
  10. Sproutt
  11. SelectQuote
  12. Voya Financial
  13. Globe Life
  14. Banner Life
  15. Pacific Life


Bestow is one of the best online insurance company that offers short-term and long-term plan students. It uses technology to simplify the paperwork for taking out insurance. It also makes visits to the doctor unnecessary.

They currently offer a term for 2 years, a term for 10 years, and a term for 20 years. If you’re looking for a short-term policy, you can’t beat it online.

Top Ranking Online Life Insurance Companies for Students


Esurance is probably the best known for car insurance, but it also offers online safeguard. Just as it is known – Esurance makes it easy to get an insurance quote online.

Unlike many companies on this list, Esurance offers a full range of insurance products – temporary, full, universal. However, for many of the more complex policies, you will need to speak to a security agent to complete the process. Unfortunately, not everything is online.


Ethos is one of the original online insurance policies. They were one of the first companies to use technology to simplify insurance applications. They were also one of the first online companies that didn’t need a medical exam for most guidelines.

Ethos offers a variety of policies ranging from 10 to 30 years. They also offer policies without a medical exam up to $ 1,000,000, and they offer larger policies when you get a medical exam.

Fabric Life Insurance

Fabric Insurance is another online insurance company that focuses on providing level without a medical exam, as well as other estate planning support such as wills.

They offer policies to individuals aged 25-60 with premiums starting at $6 per month. The value of policies is between $100,000 and $5,000,000.

Haven Life 

Haven Life is another one of the original online insurance companies focused on offering high-quality insurance at an affordable price. Your application is slightly longer than others, but they offer extremely competitive prices for no guarantee without a medical exam.


Ladder is one of the newer companies in the online risk insurance sector and aims to simplify safeguard. They offer a fully online assurance experience with a variety of insurance options.

If you are between 20 and 60 years old, you can take out life covers with Ladder. They offer policies between $100,000 and $8,000,000. This is one of the highest values​​that we see in the area of ​​online risk insurance.


PolicyGenius is not directly an insurance company. Rather, it is a marketplace/comparison tool that makes shopping for shelters very easy.

It is one of the best tools available to compare insurance. They can offer you, insurance quotes from $500,000 to $10,000,000 and from 5 to 30 years.

However, for some of their policies, it’s not entirely online. Since they are a marketplace, they have some online companies and others that require more work. It’s great to compare and look around, so don’t let it go.


Prudential is one of the oldest insurance companies on the market and offers a full range of all available insurance policies. However, not all are available online.

Your online risk insurance is called SimplyTerm and is available with insurance coverage of up to $500,000. It will be available in 10, 20, or 30 years. Compared to other online options in this list, this is the least flexible and lowest maximum policy available.

With Prudential, however, they want you to go beyond the online guidelines and speak to an agent who can offer you offers for the entire product range.


Quotacy is another online term insurance. It was one of the earliest tools that you could use to quickly compare insurance options online.

Quotacy offers a full range of insurance policies (beyond term) and has an excellent customer support team if you need help beyond the online form. Although they compare other companies’ insurance policies, everything is done directly with them.


Sproutt is one of the latest in online insurance. What makes Sproutt different is that they try to reward you with lower premiums through healthy activities.

By creating a healthy lifestyle score for you, you can save money on your insurance. Getting a quote online is quick and easy. Take a look at these and see if you can save.


SelectQuote is a comparison platform for insurance, meaning that they are not a direct provider. They are an independent agency that offers to report from many different companies.

You can fill out a single application and receive offers from multiple providers. However, one of the biggest advantages is finding the right insurance company for all health problems.

Voya Financial

Formerly ING Insurance, Voya Financial life insurance policies are actually sold through ReliaStar Life Insurance and Security Life of Denver, but they are all part of the same company.

One of the great advantages of Voya is product selection. Unlike many online life insurance companies that mainly sell risk life insurance, Voya also offers universal life insurance and variable universal life insurance.

Globe Life Insurance 

Globe Life Insurance is well known for offering affordable life insurance policies. They famously advertise “$1 buy $50,000” or “$1 buys $20,000 for children”. Actually, a bit over the top, as $1 just gets the process going and acts as a bonus for the first month.

The actual premium you pay is more than $1, but you’ll need to credit them with a pending sales hook.

Banner Life Insurance

Banner Life Insurance is owned by Legal and General America but is also the owner of the William Penn Life Insurance Company, which operates policies in New York (Banner covers the other 49 states and the District of Columbia).

In addition to risk life insurance, the company offers a whole life and a universal life. The term ranges from 10 years to 40 years. Life insurance policies are guaranteed acceptance guidelines.

Pacific Life

Pacific Life is a unique insurance company that offers a variety of interesting insurance structures. In addition to its standard terms and permanent insurance policies, Pacific Life also offers an indexed life insurance option that enables exchange-linked growth in death benefit payments over time.

This can save you money with your policy – and leave a nest egg for your children or grandchildren.

No doubt that insurance is really essential for students those study abroad alone. Normally insurance covers a lot of part of a student, like health, life, assets and so on. So, this post will help you to find out the insurance company for your future.


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