Who Has The Best Rates For Term Life Insurance? 
It 'll be different for each person . There 's no one carrier who offers better rates than everyone else . This is because there are many factors that go into the premium calculations for life insurance including their age , gender , amount of coverage they want , how long they want the coverage for -LRB- guaranteed to age 90 , 95 , 100 , 121 , etc. -RRB- , and their risk classification -LRB- determined by the medical history -RRB- . The risk classification is the MOST critical factor in determining the cost -LRB- premium -RRB- of a life insurance policy . The risk class depends on a number of factors including whether you 're male or female , your medical history , height/weight profile , any tobacco usage , and other factors . Please keep in mind - every carrier has their own set of underwriting guidelines and mortality tables , and each may offer a different risk class for a given medical profile - e.g. company A may offer preferred -LRB- featuring lower rates -RRB- and company B may only offer standard -LRB- featuring higher rates -RRB- . I would suggest consulting with an experienced life insurance broker who can work with you on a personal level and help determine what coverage is appropriate/suitable for your needs and budget and which carrier will work best for your program . I hope the information is helpful - please feel free to contact me for assistance with your program and if you have any further questions . Thanks very much . 