How To Compare Life Insurance Rates? 
To compare life insurance rates , be sure you are comparing the same type of policy to another . E.g. Comparing 10 year term to 20 year term is not a legitimate comparison . Check to see how long the rates are guaranteed not to go up . If one 20 year policy is guaranteed not to go up in price for 20 years , it is not fair to compare it to a 20 year term policy that is guaranteed not to go up in 10 years . Do not compare a policy by the rating they give you . Compare them by price . Ratings are just words . Price is where the rubber meets the road . If you have a quote for a level premium that will not go up in price , and also quotes for graded coverage/policies that can go up in price , it is usually best to go with the level premium that will not go up in price , even if it is higher . 