Which Company Has The Best Term Life Insurance? 
Term life insurance is pretty much the same , no matter which company from which you buy it . Some things that could make one policy better than another are : 1 -RRB- The premiums are guaranteed not to go up for the entire term . 2 -RRB- The policy is convertible to a variety of permanent products , to the end of the term or past age 65 , whichever comes first . 3 -RRB- The policy is renewable . Companies are mainly rated by agencies such as AM Best , S&P , Moody 's , and Fitch . You can also look up complaints against a life insurance company , their customer service satisfaction , and other factors to help in your decision . 