Term life insurance is generally the most cost-effective option for covering temporary financial obligations with life insurance, like a mortgage or your child’s college education. The average monthly ...

Guardian and MassMutual top our list of the best term life insurance companies in 2025 — see how companies compare. Many, or all, of the products featured on this page are from our advertising ...

Life insurance costs an average of $13 a month ($156 a year) for a 20-year, $250,000 term life insurance policy for a healthy 30-year-old buyer, based on our analysis. The same policy costs $19 a ...

Knowing the factors that affect rates can help you find a better deal ...

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What Is Universal Life Insurance? Universal life insurance offers permanent coverage with a unique twist—flexibility. Unlike other policies that lock you into fixed premiums and set death benefits, ...

Best for health conditions: Guardian Life. Best for term length options: MassMutual. Best for customer experience: Northwestern Mutual. Best for social responsibility: Thrivent. Best for high coverage ...