Compare Term Life Insurance in United States
Compare term life insurance plans. Evaluate coverage amounts, claim settlement ratios, rider options, and premiums.
Educational Information Only
Data collected from publicly available sources for educational purposes only. Premium figures are illustrative. Verify all details with the insurer directly.
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Side-by-Side Comparison
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| Feature | Northwestern MutualNorthwestern Mutual TermNeeds review · 2026-04-03 | New YorkNew York Life TermNeeds review · 2026-04-03 | Prudential FinancialPrudential Term EssentialNeeds review · 2026-04-03 |
|---|---|---|---|
| Cover range | $250K – $10M | N/A – N/A | N/A – N/A |
| Premium* | $30 – $80/yr | $25 – $70/yr | $20 – $60/yr |
| Entry age | 18 – 65 yrs | 18 – 65 yrs | 18 – 65 yrs |
| Claim ratio | — | — | — |
| Renewability | Annual | Annual | Annual |
| Riders | |||
*Premiums are illustrative only, sourced from publicly available data. Actual premiums vary by individual. World Best Insurer does not sell insurance. Verify with the insurer directly.
All Term Life Insurance Plans in United States
Cover
$250K – $10M
Premium*
$30/yr
- A++ Financial Strength
- Dividend-Paying
- Conversion Option
Cover
N/A – N/A
Premium*
$25/yr
- Oldest Mutual Insurer
- Strong Financials
- Conversion to Permanent
Cover
N/A – N/A
Premium*
$20/yr
- Wide Range of Terms
- Online Application
- Living Benefits
Cover
N/A – N/A
Premium*
$15/yr
- Instant Decisions
- Backed by MassMutual
- No Medical Exam Option
Cover
N/A – N/A
Premium*
$15/yr
- Adjust Coverage Anytime
- Instant Decisions
- 100% Online
Cover
$100K – $10M
Premium*
$15/yr
- A+ AM Best rating
- 40-year term available
- No-exam option up to $1M
Cover
$100K – $50M
Premium*
$14/yr
- A+ AM Best rating
- Competitive pricing
- Available to age 80
Cover
$100K – $10M
Premium*
$13/yr
- No medical exam up to $750K
- A+ AM Best
- Mutual company – no shareholders
Cover
$25K – $10M
Premium*
$16/yr
- Living benefits included at no extra cost
- Aegon global backing
- Available in all 50 states
Cover
$100K – $50M
Premium*
$15/yr
- A+ AM Best rating
- 150-year mutual company history
- Strong financial ratings