The best auto & home insurance company reviews on the Web!

How to find low term life insurance rates

As with auto & home insurance, term life insurance rates can be more than twice as much among companies, and no companies have competitive rates for everyone. You have to shop to find the term life insurance company with the best rate for you. For example, a 35 year old male non-smoker, qualifying for standard rates, shopping for a $500,000 20- year level term life insurance policy, would get price quotes of $685 a year with Northwestern Mutual Life Insurance Company, $614 a year with Metlife, and $585 with New York Life Insurance Company. New York Life is the best deal, right? Actually, Ohio National has the best deal, at $520 a year. Although Ohio National has competitive life insurance rates in general, other companies are likely to have much better rates for you, based on various factors particular to you, like the amount of coverage you need, your age, your family health history, your weight, your individual health conditions, medical prescriptions you take, etc.       
To help you know if you are being quoted competitive term life insurance rates, the links below to my term life insurance rate reviews, will show you the competitive rates for various ages, from standard to preferred rates, and the insurance companies offering them. Before you decide to buy term life insurance, or decide it costs too much, read my term life insurance review for your age and sex.

Like auto & home insurance, the only way to find the company with the best term life insurance rates, is for you to shop with several agents and companies, and use the pricing information I provide below, to help you know if you are quoted a good price. It's important to review your life insurance each year, to make sure you don't have too much or too little coverage, you have coverage as long as you need it, listing the correct beneficiaries, which can change over time. Your annual life insurance review is also a great time to get additional opinions from other agents & companies. You may be able to get more coverage for a longer period of time than you have now.


Best Term Life Insurance Rates for People 20-29 Years Old     



Best Term Life Insurance Rates for People 30-39 Years Old  



Best Term Life Insurance Rates for People 40-49 Years Old    



Best Term Life Insurance Rates for People 50-59 Years Old



Best Term Life Insurance Rates for People Age 60 & Older