How To Evaluate Term Life Insurance? 
In evaluating Term Life Insurance , make sure that the policy is guaranteed , not just assumed to be guaranteed . By this I mean , check to see if the premium is guaranteed to not go up for the entire term , and that the face amount will not go down for the entire term . Evaluate the life insurance company , to make sure it is rated at least A by AM Best . Finally , evaluate the agency you purchase the policy through , to see if they are trustworthy , have a lot of complaints , and will be available to help you with questions or service requests down the road . Clues as to reputability for online agencies are how long they have been in business , whether they introduce staff members on their web page , if they are part of the Better Business Bureau , etc. . If you cover those three bases , you should make a good choice in term life insurance . 