Who Offers The Lowest Cost Life Insurance In 2013? 
Life Insurance rates are very fluid right now . A plan I may have quoted January 1st as the lowest permanent policy for a client may not even exist today . As Sam said , have an independent agent quote your specific need . They will normally know which companies are the most competitive for a given set of factors . Your age and health , how much and for how long . Remember that `` cheapest '' is relative . Do you want the cheapest for one year , 20 years or till you die ? Do you want the rate guaranteed ? For how long ? Sounds much more complicated than it is . An experienced agent can walk you through it easily . 