What Are Average Term Life Insurance Rates? 
Adding on to Peggy 's response , each company has different rates . As long as the term is guaranteed for the entire period , up to 30 + years , and the company is reputable -LRB- financial ratings which indicate a great ability to pay claims -RRB- , and have a reputation of not taking months to send the claim , then I would look at the lowest cost of Term Life Insurance . There are other options which add value you might consider . Even though they can & do increase the cost you pay , the value may be worth it . Consider options such as Critical Illness & Chronic Illness coverage , perhaps a Return of your Premium at the end of your term , etc. . 