Based on our analysis of term life insurance rates, the following insurers have the cheapest life insurance for shoppers in their 30s, 40s and 50s looking for a 20-year $250,000 term life policy.

Protective is the cheapest life insurance company based on our analysis of rates from 18 companies. All the companies in our top picks have an excellent or superior AM Best rating.

Read full reviews of the insurers Covr Financial Technologies analyzed to learn more about their policy options, pros and cons. NerdWallet’s life insurance ratings take into account financial ...

Best Affordable Life Insurance for Guaranteed Coverage. Mutual of Omaha Life Insurance is our pick for guaranteed coverage, which is available for applicants between the ages of 45 and 85 ...

Best life insurance rates for smokers. Among the top-rated insurance companies, Banner Life Insurance, Northwestern Mutual and Transamerica offer some of the best term life rates for cigarette smokers ...

COVID-19 update: If you're thinking about life insurance in the context of the coronavirus, see below for information on whether it counts as a preexisting condition. When it comes to life insurance, ...

Term life insurance is the most affordable type of coverage, costing between $20 and $30 a month on average for a healthy 30-year-old. That's compared to between $400 and $475 a month for whole ...

Read full reviews of the insurers Covr Financial Technologies analyzed to learn more about their policy options, pros and cons. NerdWallet’s life insurance ratings take into account financial ...