Best Term Policy

What is the best term policy?

If you’re shopping for life insurance you may be considering a term life insurance policy.

However, there are several types of term life policies available. So, which one is right for you?

First, we’ll explain the different types of term life policies available, and the benefits of each type, so you can make an educated decision.

Get a Free Quote for Term Life Insurance


Types of Term Life Insurance Policies:


Level Term Life Insurance – This is the most popular type. Level term offers you life insurance coverage and premiums that remain the same each year for the entire term (number of years) of your policy. You can choose coverage for 10, 15, 20 or 30 years. It’s also the most affordable type of term life policy.


Decreasing Term Life Insurance – Offers you term life coverage with premiums that stay the same each year, but your coverage amount decreases. Some people choose this type of coverage to pay off their mortgage.


Which ever policy you choose, term life insurance offers you:


  1. Affordability – Rates have declined by 50% over the last decade.
  2. Flexibility – You can choose coverage for 10, 15, 20, or 30 years.
  3. Quick and Easy – You can compare free, instant life insurance quotes online from over 40 top-rated insurers in minutes.


Term life insurance is temporary life insurance protection for a specific period of time, usually 1-30 years. If you outlive the term of your policy your coverage expires.

Term life insurance builds no cash value within the policy – it is not an investment, purely life insurance protection.

Term life insurance is the most popular type of life insurance because it offers the most life insurance protection at the lowest rate.

The best term life insurance policy is the one that meets your needs, and fits your budget.


Term Life Insurance Quotes


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.


Highly Recommended – Globe Life Insurance

$1* Buys $100,000 Globe Life Insurance

  • Coverage for Adults or Children

  • No Medical Exam. Just a Few Yes/No Health Questions

  • Free Information. No Phone Required. No Waiting

Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.


Here's how you can review the top 10 term life insurance companies.



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