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term life insurance premiums

To find your lowest life insurance premiums, search our online database:

your lowest life insurance premiums

U.S. and Canadian life insurance rates have dropped steadily for the past several years because of intense competition. The Internet has helped to accelerate this trend, with Web sites like ours providing instant life insurance rates information for consumers. This link will access the® database of over 150 life insurance companies.

As we mentioned on our home page, a list of life insurance rates is only part of the story. The most important part is to find life insurance companies for which you will qualify.

standard versus super-preferred rates

Compare the difference in price between "standard" and "super-preferred" underwriting rate categories. Only a small percentage of consumers have the health and lifestyle features to qualify for "super-preferred" prices. Yet, many Web sites quote these prices without warning you about this.

These are annual premiums for a $500,000 20 year term policy for a non-smoking male of age 40 (only rates guaranteed for the length of the term are displayed):

Standard   Super-Preferred
$704 - MetLife   $340 - Ohio National
$725 - Ohio National   $348 - Protective Life
$725 - Transamerica   $349 - American General
$730 - Protective Life   $355 - Genworth
$734 - American General   $369 - MetLife

Because differences in underwriting are so important, we recommend that you review this underwriting study.

Please note that most companies will not sell insurance to you directly. Rather, they will refer you to an agent. We provide you with the opportunity to work with an independent agent, representing many companies and with access to our database.

Thank you for visiting. We hope this information helps as you shop for insurance. Remember to get your lowest rates before you leave. For your convenience, here is the link again. Click it to find:

Your Lowest Life Insurance Premiums

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