Best Term Life Insurance Alternative Apps

219+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

Lemonade Insurance is the household name in term life insurance alternative, but it's far from the only option. We track 219+ alternatives and competitors on iOS โ€” many free, many higher-rated than you'd expect.

Top Picks for Term Life Insurance Alternative

Lemonade Insurance#1

Lemonade Insurance by Lemonade Inc.

Home, car, pet, and life
Editor's Choice
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(86K ratings)
FreeAds
Lemonade Insurance screenshot 1
Lemonade Insurance screenshot 2
Lemonade Insurance screenshot 3
Lemonade Insurance screenshot 4
Lemonade Insurance screenshot 5
Lemonade Insurance screenshot 6

An innovative insurance app offering home, car, pet, and life coverage with policies starting at low monthly rates. Easy to use with quick policy purchase, instant claims, and personalized coverage options. Find out more at lemonade.com!

What We Love

  • ๐Ÿš€ Quick, seamless, and affordable
  • ๐Ÿ‘ Fully digital experience
  • ๐Ÿ’ก Charity donation option
  • ๐Ÿ‘ Easy setup and user-friendly app

Room to Improve

  • ๐Ÿ› Buggy app with crashes and login issues
  • ๐Ÿ‘Ž Poor customer service and communication
  • ๐Ÿ‘Ž Difficult claims process and lack of human support
Ethos - Insurance & Wills#2

Ethos - Insurance & Wills by Ethos Technologies Inc

An Ethos Technologies company
Strong Contender
๐Ÿ’ฐ Finance
4.6๐Ÿ˜(6.7K ratings)
FreeAds
Ethos - Insurance & Wills screenshot 1
Ethos - Insurance & Wills screenshot 2
Ethos - Insurance & Wills screenshot 3
Ethos - Insurance & Wills screenshot 4

Ethos - Insurance simplifies the process of getting life insurance by offering an online platform where users can easily apply for and manage their policies. With a user-friendly interface and quick approval process, Ethos makes getting life insurance hassle-free. Join Ethos today to protect your loved ones with ease.

What We Love

  • ๐Ÿš€ Simple and easy to use
  • ๐Ÿ‘ Helpful for creating wills and estate planning
  • ๐Ÿ’ก Innovative app concept
  • ๐Ÿš€ Quick and efficient process

Room to Improve

  • ๐Ÿ› Glitchy and buggy app
  • ๐Ÿ”’ Privacy and security concerns
  • ๐Ÿ‘Ž Limited options for blended families
American Family Insurance App#3

American Family Insurance App by American Family Insurance

Manage your Insurance Needs
Worth Considering
๐Ÿ’ฐ Finance
4.7๐Ÿ˜ž(91K ratings)
FreeAds
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 insurance needs on-the-go with the enhanced app. Access policy details, make payments securely, and get in touch with your agent easily. Download now for a seamless insurance experience!

What We Love

  • ๐Ÿš€ Contactless
  • ๐Ÿš€ Easy to manage insurance coverage
  • ๐Ÿš€ Prompt and friendly service
  • ๐Ÿš€ Excellent communication and service

Room to Improve

  • ๐Ÿ› Buggy, spins, etc.
  • ๐Ÿ› Cannot get new version to upload
  • ๐Ÿ› Log in with correct credentials failed

More Term Life Insurance Alternative apps to explore

4
New York Life
New York Life
New York Life
Life Insurance & Investments
Free

This application offers comprehensive life insurance services tailored to your needs, providing financial protection and peace of mind for you and your loved ones. Secure your future today with New York Life.

๐Ÿ’ฐ Finance
(13K)
5
Policybazaar - Buy Insurance
Policybazaar - Buy Insurance
Policybazaar - Buy Insurance
Compare & buy insurance easily
Free

Download the app now to maximize your income tax savings with Health, ULIP, and Term Insurance plans. Compare and buy a wide range of insurance and investment products conveniently on the app.

๐Ÿ’ฐ Finance
(485)
6
MassMutual
MassMutual
MassMutual
Insurance & Financial Services
Free

Discover an innovative insurance application that provides seamless access to a wide range of insurance products and financial services. Secure your future with ease โ€“ explore and secure your insurance needs today.

๐Ÿ’ฐ Finance
(5.8K)
7
ICICI Prudential Life App
ICICI Prudential Life App
ICICI Prudential Life App
Life Insurance & Savings Plans
Free

An intuitive insurance mobile app offering online policy purchases, policy browsing, and transactions. Key features include secure login options, customizable dashboard, and easy access to policy details and financial transactions. Experience seamless insurance management on-the-go - protect lives, enable dreams, and grow together.

๐Ÿ’ฐ Finance
(1.1K)
8
Root: Better car insurance
Root: Better car insurance
Root: Better car insurance
Good drivers save money
Free

A smart car insurance app for good drivers that uses technology to offer discounts based on driving behavior. Get better rates, customizable coverage, and fast claims all in one app. Download the app today to see how much you could save.

๐Ÿ’ฐ Finance
(73K)
9
Principalยฎ
Principalยฎ
Principalยฎ
Retire on your terms.
Free

Manage your retirement savings conveniently with our app, offering quick access to account information, personalized retirement tracking, financial education, and insurance details. Take control of your financial future with ease.

๐Ÿ’ฐ Finance
(228K)
10
Guardianยฎ
Guardianยฎ
Guardianยฎ
Find providers and get ID Card
Free

This application provides a user-friendly platform for managing dental benefits, accessing information on coverage and providers, submitting claims, and scheduling appointments. Simplify your dental care with our comprehensive and convenient tools.

๐Ÿฅ Medical
(39K)
11
Life Insurance Quotes by IXN
Life Insurance Quotes by IXN
Life Insurance Quotes by IXN
by Insurance Experts Network LLC
Free

Get instant life insurance quotes from over 100 carriers across all 50 states, with up-to-date information including policy fees and AMBest ratings. Sign up for a free account to access powerful tools and start comparing quotes today!

๐Ÿ’ฐ Finance
(6)
12
Tata AIA Life Insurance
Tata AIA Life Insurance
Tata AIA Life Insurance
by Tata AIA Life Insurance Company Limited
Free

This app is designed by Tata AIA Life Insurance to serve customers in the digital realm. It offers policy viewing, premium payment, document downloads, notifications, and referral options. Key features include OTP and password-based login, policy overview, and a user-friendly dashboard. Visit now to experience seamless insurance management.

๐Ÿ’ฐ Finance
(945)
13
Just: Affordable Car Insurance
Just: Affordable Car Insurance
Just: Affordable Car Insurance
Instant coverage, low rates
Free

An exclusive car insurance app in Arizona offers instant coverage and low rates with pay-per-mile options, aiming to make insurance policies affordable and flexible for users. Drivers can save money by recording their miles and enjoy rewards for safe driving. Get insured in just 60 seconds and start saving today!

๐Ÿ’ฐ Finance
(2.1K)
14
Term Quotes by Topo
Term Quotes by Topo
Term Quotes by Topo
by Insurance Experts Network LLC
Free

Get current term life insurance rates from over 20 top carriers, including American General and Met Life, with a free online quoter available in all 50 states. Compare rates and find the best option for your clients, even with underwriting issues, by taking advantage of this free tool today.

๐Ÿ’ฐ Finance
(13)
15
OCHO Affordable Car Insurance
OCHO Affordable Car Insurance
OCHO Affordable Car Insurance
Flexible payment car insurance
Free

This application revolutionizes car insurance by offering reduced down payments for 99% of customers and helping users build their credit scores with on-time payments. Easily compare rates from national and regional providers, get coverage in a few steps, and manage your policy hassle-free.

๐Ÿ’ฐ Finance
(1.2K)
16
Erie Insurance Mobile
Erie Insurance Mobile
Erie Insurance Mobile
by Erie Indemnity Company
Free

Access all your important insurance policy information, make payments, view billing activity, check claim status, and connect with your local agent conveniently through the mobile app. Stay informed and in control of your insurance needs on-the-go!

๐Ÿ’ฐ Finance
(2.5K)
17
Direct Auto Insurance
Direct Auto Insurance
Direct Auto Insurance
Your policy, wherever you go.
Free

Access your auto insurance policy anytime, anywhere with our app. Sign documents, make payments, request assistance, file claims, and manage all aspects of your policy with ease. Download now for convenience on the go.

๐Ÿ’ฐ Finance
(35K)
18
Everdays: Retirement Planning
Everdays: Retirement Planning
Everdays: Retirement Planning
Senior planning & insurance
Free

Plan your retirement with ease using this comprehensive application designed to help seniors manage their finances, track savings goals, and access resources for a secure future. Start your journey to financial stability today!

๐Ÿ’ฐ Finance
(994)
19
Thimble Insurance
Thimble Insurance
Thimble Insurance
Instant Business Insurance
Free

Get business insurance instantly with an app that allows you to purchase and manage policies from anywhere. Customize coverage by the job, month, or year, with options to upgrade as your business grows. Access a range of coverages tailored to various industries and receive fast policy updates.

๐Ÿ’ฐ Finance
(1.1K)
20
Fabric by Gerber Life
Fabric by Gerber Life
Fabric by Gerber Life
Life insurance, wills & more
Free

Fabric by Gerber Life is a comprehensive application that offers life insurance and wills services. Plan for your future easily with our user-friendly interface and secure your family's financial well-being.

๐Ÿ’ฐ Finance
(500)