Who Has The Best Rates For Term Life Insurance? 
There are a number of factors involved in determining the premium or `` rates '' for a given life insurance policy . In addition to the length of the term , the age , gender , health and tobacco use or not of the insured , as well as the amount of insurance , there are `` riders '' that may be added to the basic policy . In general most of the insurance companies that specialize in Term insurance have rates that are fairly competitive with each other and typically lower than the companies that specialize in permanent insurance . There may be a bigger difference in the rates for various riders or if the health of the insured warrants it , the `` table ratings '' assigned to different health conditions . With all the above considered , In my experience - for a basic term insurance policy the following companies usually come in with the lowest quotes : Protective , Transamerica , Genworth , Banner , Prudential . My advise is to work with an experienced insurance adviser / broker who can help you to determine your actual need for insurance and then implement the right policy for your particular needs . 