Best Life Insurance Rater Alternative Apps

0+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

Ethos is the household name in life insurance rater alternative, but it's far from the only option. We track 0+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Life Insurance Rater Alternative Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Ethos - Insurance & WillsEthos - Insurance & WillsFree4.6★ (6.7K)NoNoSep 2026
2American Family Insurance AppAmerican Family Insurance AppFree4.7★ (91K)NoNoSep 2026
3New York LifeNew York LifeFree4.9★ (15K)NoNoSep 2026
4Lemonade InsuranceLemonade InsuranceFree4.8★ (86K)NoNoSep 2026
5Root: Better car insuranceRoot: Better car insuranceFree4.7★ (73K)NoNoSep 2026
6Auto Insurance QuoteAuto Insurance QuoteFree4.2★ (1.1K)YesNoSep 2026
7Jerry: Insurance & Car CareJerry: Insurance & Car CareFree4.7★ (30K)NoNoSep 2026
8Just: Affordable Car InsuranceJust: Affordable Car InsuranceFree4.4★ (2.3K)NoNoSep 2026

Top Picks for Life Insurance Rater Alternative

Ethos - Insurance & Wills#1

Ethos - Insurance & Wills by Ethos Technologies Inc

An Ethos Technologies company
Editor's Choice
💰 Finance
4.6😐(6.7K ratings)
Free
Ethos - Insurance & Wills screenshot 1
Ethos - Insurance & Wills screenshot 2
Ethos - Insurance & Wills screenshot 3
Ethos - Insurance & Wills screenshot 4

Secure your family's future with an all-in-one platform for life insurance and estate planning. Apply for term life insurance in minutes with no medical exams and create legally solid Wills and Trusts with guided tools.

What We Love

  • 🚀 Simple and easy to use
  • 👍 Helpful for creating wills and estate planning
  • 💡 Innovative app concept
  • 🚀 Quick and efficient process
  • 👍 Useful for blended families

Room to Improve

  • 🐛 Glitchy and buggy app
  • 🔒 Privacy and security concerns
  • 👎 Limited options for blended families
  • 👎 Lack of accessibility for visually impaired users
  • 👎 Forced communication with contacts
American Family Insurance App#2

American Family Insurance App by American Family Insurance

Manage your Insurance Needs
Strong Contender
💰 Finance
4.7😞(91K ratings)
Free
American Family Insurance App screenshot 1
American Family Insurance App screenshot 2
American Family Insurance App screenshot 3
American Family Insurance App screenshot 4
American Family Insurance App screenshot 5
American Family Insurance App screenshot 6

Manage your home, car, and umbrella insurance policies conveniently on the go. Access policy details, make payments, file claims, and get roadside assistance. Secure login options are available.

What We Love

  • 🚀 Contactless
  • 🚀 Easy to manage insurance coverage
  • 🚀 Prompt and friendly service
  • 🚀 Excellent communication and service
  • 🚀 Professional and amazing people
  • 🚀 Great customer service

Room to Improve

  • 🐛 Buggy, spins, etc.
  • 🐛 Cannot get new version to upload
  • 🐛 Log in with correct credentials failed
  • 🐛 App not allowing to pay bill or access statements
  • 🐛 Notification icon never leaves
  • 🐛 Cannot save insurance card to Apple Wallet
  • 🐛 Unread count won't clear
  • 🐛 Notifications not working
  • 🐛 App icon badge won't go away
  • 🐛 Glitchy, freezes up constantly
  • 🐛 Apple Wallet integration broken
  • 🐛 Clunky, too many issues
  • 🐛 Most unreliable horrible app
  • 🐛 Notifications not working
  • 🐛 Unread count won't clear
  • 🐛 Wallet cards not available same day as PDF
  • 🐛 Cannot pay bill electronically
New York Life#3

New York Life by New York Life Insurance Company

Life Insurance & Investments
Worth Considering
💰 Finance
4.9😐(15K ratings)
Free
New York Life screenshot 1
New York Life screenshot 2
New York Life screenshot 3
New York Life screenshot 4
New York Life screenshot 5

Manage your life insurance policies and investments conveniently. View policy details, monitor investment performance, and make payments directly from your mobile device. Easily find agent contact information and update your preferences.

What We Love

  • 👍 User-friendly interface
  • 🚀 Convenient access to policy details
  • 💡 Helpful for managing policies
  • 🚀 Smooth login experience

Room to Improve

  • 🐛 Login issues and app crashes
  • 🔍 Limited functionality compared to website
  • 🔍 Lack of advanced features

More Life Insurance Rater Alternative apps to explore

FAQ about Life Insurance Rater Alternative

What are the best life insurance rater alternative apps for iPhone?
Ethos - Insurance & Wills tops our life insurance rater alternative apps ranking as of July 2026, with a 4.6-star average from 6.7K App Store ratings, and it's free to download.
Yes — 20 of the top life insurance rater alternative apps we rank are free to download, including Ethos - Insurance & Wills and American Family Insurance App.
Ethos - Insurance & Wills has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
The Ethos app is a comprehensive platform designed to simplify life insurance applications and estate planning. It allows users to apply for term life insurance quickly, often without medical exams, and provides guided tools to create legally solid Wills and Trusts.
The process involves answering a few quick health questions within the app. You can then receive an instant decision on your term life coverage. Many applicants qualify without the need for medical exams or blood draws.