Who Sells The Cheapest Term Life Insurance? 
If you have excellent health , you will get the cheapest term life insurance by using a company who prides themselves on having the best `` preferred '' rates . If you have poor health , your best rate may not be term at all , as not many companies offer term life insurance to those with poor health . I use the above examples to show how there is no one life insurance company that offers the cheapest rates for everyone . Contacting a broker will help you find the most affordable rate for you . 