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)NoNoAug 2026
2American Family Insurance AppAmerican Family Insurance AppFree4.7★ (91K)NoNoAug 2026
3New York LifeNew York LifeFree4.9★ (15K)NoNoAug 2026
4Lemonade InsuranceLemonade InsuranceFree4.8★ (86K)NoNoAug 2026
5Root: Better car insuranceRoot: Better car insuranceFree4.7★ (73K)NoNoAug 2026
6Auto Insurance QuoteAuto Insurance QuoteFree4.2★ (1.1K)YesNoAug 2026
7Jerry: Insurance & Car CareJerry: Insurance & Car CareFree4.7★ (30K)NoNoAug 2026
8Just: Affordable Car InsuranceJust: Affordable Car InsuranceFree4.3★ (2.2K)NoNoAug 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

Room to Improve

  • 🐛 Glitchy and buggy app
  • 🔒 Privacy and security concerns
  • 👎 Limited options for blended families
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

Room to Improve

  • 🐛 Buggy, spins, etc.
  • 🐛 Cannot get new version to upload
  • 🐛 Log in with correct credentials failed
New York Life#3

New York Life by New York Life

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

4
Lemonade Insurance
Lemonade Insurance
Lemonade Insurance
Home, car, pet, and life
Free

Easily purchase and manage home, car, pet, and life insurance policies directly from your phone. Get instant quotes, file claims with AI assistance, and enjoy a socially responsible insurance experience.

Instant policy quotesMobile claims filingAI-powered fraud detection
💰 Finance
(86K)
free with in-app purchases
5
Root: Better car insurance
Root: Better car insurance
Root: Better car insurance
Good drivers save money
Free

This app offers car, renters, and home insurance tailored for good drivers. It uses smart technology to provide personalized rates based on driving habits, making insurance more affordable and convenient. Manage policies, file claims, and access roadside assistance all within the app.

Usage-based car insurance discountsRenters insurance from $6/monthCustomizable homeowners insurance
💰 Finance
(73K)
free with in-app purchases
6
Auto Insurance Quote
Auto Insurance Quote
Auto Insurance Quote
Get auto insurance quotes
Free

Easily compare auto, home, and life insurance rates and get real quotes from licensed agents and trusted providers. Track your policy history, upload receipts, and receive renewal reminders. Find coverage that fits your needs and budget.

Compare insurance ratesGet real quotesConnect with licensed agents
🔧 Utilities
(1.1K)
ad-supported
7
Jerry: Insurance & Car Care
Jerry: Insurance & Car Care
Jerry: Insurance & Car Care
Let us handle the legwork
Free

This app helps you manage your car and home insurance, compare rates from multiple providers, and get assistance with repairs and maintenance. It also offers a driving score to improve family safety and provides insights into repair costs.

Compare and buy insuranceAutomatic rate checksDriving score tracker
💰 Finance
(30K)
free
8
Just: Affordable Car Insurance
Just: Affordable Car Insurance
Just: Affordable Car Insurance
Instant coverage, low rates
Free

This app offers affordable car insurance by charging based on the miles you drive, not a fixed monthly rate. Get instant coverage, flexible policies, and potentially save significantly on auto insurance. It's designed for drivers in Arizona and Nevada, with more states coming soon.

Pay per mile insuranceInstant coverageLow rates
💰 Finance
(2.2K)
free
9
ICICI Prudential Life App
ICICI Prudential Life App
ICICI Prudential Life App
Life Insurance & Savings Plans
Free

Manage all your life insurance and financial needs with this comprehensive app. Explore, purchase, and manage various insurance plans, utilize financial calculators, and access policy documents securely. Plan for retirement, savings, and protect your loved ones.

Online insurance plan purchasesHassle-free policy managementPremium calculation tools
💰 Finance
(1.2K)
free
10
National Life Group
National Life Group
National Life Group
Your policy on the go.
Free

Securely access and manage your life insurance and annuity policies from your mobile device. View policy details, make payments, set up autopay, and track transactions. Stay connected with agent contact information and receive important alerts.

Access policies in one placeView coverage and valuesMake premium and loan payments
💰 Finance
(584)
free
11
OCHO Affordable Car Insurance
OCHO Affordable Car Insurance
OCHO Affordable Car Insurance
Flexible payment car insurance
Free

Get affordable car insurance with flexible payment options directly from your phone. This app helps you find cheap quotes, covers your down payment interest-free, and offers payment plans that fit your schedule. Manage your policy and payments easily, with instant proof of insurance.

Find and compare auto insurance quotesLow or no down payment optionsFlexible payment plans aligned with payday
💰 Finance
(1.3K)
free with in-app purchases
12
Direct Auto Insurance
Direct Auto Insurance
Direct Auto Insurance
Your policy, wherever you go.
Free

Manage your auto insurance policy conveniently from your mobile device. Access policy documents, ID cards, make payments, and handle claims on the go. Request roadside assistance and review your coverage details anytime, anywhere.

Access ID cardsMake paymentsSign policy documents
💰 Finance
(36K)
free
13
Insurify - Save on Insurance
Insurify - Save on Insurance
Insurify - Save on Insurance
Compare quotes & lock-in rates
Free

This app helps you find and lock in lower insurance rates by comparing quotes from hundreds of insurers. It automatically monitors your policy for price drops and alerts you to potential savings, putting you in control of your coverage.

Compare insurance quotesSee instant savingsAutomatic rate monitoring
💰 Finance
(61)
ad-supported
14
MassMutual
MassMutual
MassMutual
Insurance & Financial Services
Free

Manage your life insurance and retirement accounts conveniently from your mobile device. Handle payments, review balances, access policy information, and update beneficiaries all in one place.

Manage life insurance and retirement accountsHandle payments and premiumsReview account balances and policy info
💰 Finance
(5.9K)
free with in-app purchases
15
BCare | بي كير للتأمين
BCare | بي كير للتأمين
BCare | بي كير للتأمين
Compare & Buy Car Insurance
Free

This platform allows users to compare and purchase various insurance types, including vehicle, health, travel, and medical malpractice. It is licensed by the Insurance Authority.

Compare insurance policiesPurchase insurance onlineVehicle insurance
💼 Business
(5.8K)
ad-supported
16
Esurance Mobile
Esurance Mobile
Esurance Mobile
by Esurance
Free

Manage your auto insurance policy with ease. Access your ID card, pay bills, file claims, and get roadside assistance quickly. The app features a modern design with simplified navigation for a seamless user experience.

Policy managementClaim filingID card access
💰 Finance
(209K)
free
17
Primerica Online
Primerica Online
Primerica Online
Representative App
Free

This app empowers financial representatives to manage and grow their business remotely. Access client tools for insurance and investments, training materials, and business management features. Stay connected with company news and social media resources.

Client insurance and investment toolsFinancial analysis and calculatorsLicensing and training materials
💰 Finance
(1.2K)
free
18
Globe Life
Globe Life
Globe Life
by Globe Life And Accident Insurance Company
Free

Manage your insurance policies with ease. Pay bills, update personal information, explore coverage options, and connect with customer service. This free app simplifies policy management for current and prospective customers.

Pay monthly premiumsAccept additional coverageSet up one-time payments
💰 Finance
(93)
free
19
Fabric by Gerber Life
Fabric by Gerber Life
Fabric by Gerber Life
Life insurance, wills & more
Free

Secure your family's financial future with accessible term life insurance, investment options for children, and free legal will creation. This app offers a convenient, all-in-one platform for essential financial planning and protection.

Term life insuranceInvesting for kidsFree legal wills
💰 Finance
(500)
free with in-app purchases
20
Policybazaar - Buy Insurance
Policybazaar - Buy Insurance
Policybazaar - Buy Insurance
Compare & buy insurance easily
Free

This app serves as a comprehensive marketplace for insurance and investment products. It allows users to compare and purchase various types of insurance, including motor, health, term, and travel, as well as investment and retirement plans, all on a single platform with minimal paperwork and dedicated claim assistance.

Compare and buy motor insuranceCompare and buy health insuranceCompare and buy term life insurance
💰 Finance
(487)
free

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.