{
  "canary": "2244168dac6d5beb",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Pricing",
        "key": "prix_mensuel",
        "label": "Monthly Price",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Policy Details",
        "key": "longueur_terme",
        "label": "Term Length",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "nombre",
        "unit": "ans"
      },
      {
        "group": "Policy Details",
        "key": "montant_couverture",
        "label": "Coverage Amount",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Insurer Rating",
        "key": "notation_solidite_financiere",
        "label": "Financial Strength Rating",
        "options": [
          "A+",
          "A",
          "A-",
          "B+",
          "B",
          "B-",
          "C+",
          "C",
          "C-"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Insurer Reputation",
        "key": "service_client",
        "label": "Customer Service",
        "options": [
          "Excellent",
          "Good",
          "Average",
          "Poor"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Insurer Reputation",
        "key": "reputation_reclamations",
        "label": "Claims Reputation",
        "options": [
          "Excellent",
          "Good",
          "Average",
          "Poor"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Policy Features",
        "key": "options_renouvellement",
        "label": "Renewal Options",
        "poids": 2,
        "sens": "neutre",
        "type": "texte"
      },
      {
        "group": "Policy Features",
        "key": "options_conversion",
        "label": "Conversion Options",
        "poids": 2,
        "sens": "neutre",
        "type": "texte"
      },
      {
        "group": "Policy Features",
        "key": "options_avenants",
        "label": "Rider Options",
        "poids": 2,
        "sens": "neutre",
        "type": "texte"
      },
      {
        "group": "Underwriting",
        "key": "exigences_medicales",
        "label": "Medical Requirements",
        "poids": 2,
        "sens": "neutre",
        "type": "texte"
      }
    ],
    "faq": [
      {
        "a": "The best term life insurance depends on your individual needs, but our comparison highlights top providers based on price, coverage, financial strength, and customer service.",
        "q": "What is the best term life insurance to get in 2026?"
      },
      {
        "a": "You can compare term life insurance by looking at monthly price, term length, coverage amount, financial strength ratings, and customer service reviews, as detailed in our guide.",
        "q": "How do I compare term life insurance policies?"
      },
      {
        "a": "No, our ranking is completely neutral and not influenced by any paid placements; all data is sourced and objectively presented.",
        "q": "Is the term life insurance ranking on this page sponsored?"
      },
      {
        "a": "Key factors include ensuring the coverage amount meets your needs, the monthly price is affordable, the term length suits your future plans, and the insurer has a strong financial rating and good claims reputation.",
        "q": "What factors are most important for term life insurance?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2944,
    "neutral": false,
    "path": [
      "finance",
      "assurance",
      "assurance-vie",
      "assurance-vie-temporaire"
    ],
    "price_key": "prix_mensuel",
    "profile_questions": [
      {
        "options": [
          "20-29",
          "30-39",
          "40-49",
          "50-59",
          "60+"
        ],
        "q": "Age?"
      },
      {
        "options": [
          "$100,000 - $250,000",
          "$250,000 - $500,000",
          "$500,000 - $1,000,000",
          "1,000,000+"
        ],
        "q": "Coverage Amount?"
      },
      {
        "options": [
          "10 years",
          "15 years",
          "20 years",
          "30 years"
        ],
        "q": "Term Length?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "term life insurance calculator",
      "compare term life insurance rates",
      "term life insurance for seniors",
      "term life insurance riders"
    ],
    "synthese": [
      "This comparison covers 12 temporary life insurance policies based on 10 criteria: monthly price, term length, coverage amount, financial strength rating, customer service, and claims reputation, with sourced data for 9 out of 12 options and estimated values for the rest, which are flagged as such.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Term Life Insurance",
    "unranked": true,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 3.7,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "best_value"
      ],
      "best_for": "Those looking for short-range financial protection, such as paying off a loan, with the option to convert to permanent coverage.",
      "cons": [
        "Premiums increase with each subsequent renewal"
      ],
      "description": "Term life insurance providing death protection for a stated time period, with guaranteed premiums for the initial term.",
      "link_url": "https://www.statefarm.com/insurance/life/term-life",
      "logo_dom": "state.com",
      "logo_url": "https://unavatar.io/state.com?fallback=false",
      "name": "Term Life Insurance from State Farm",
      "pros": [
        "Guaranteed premiums for the initial term",
        "Renewable up to age 95",
        "Convertible to permanent coverage regardless of health"
      ],
      "provider": "State Farm",
      "provider_url": "https://www.statefarm.com/insurance/life/term-life",
      "score": 0.0,
      "source_url": "https://www.statefarm.com/insurance/life/term-life",
      "subscores": {},
      "values": {
        "exigences_medicales": "May require medical exam",
        "longueur_terme": 25,
        "montant_couverture": 350000,
        "notation_solidite_financiere": "A++",
        "options_avenants": "Various riders available",
        "options_conversion": "Option to convert to permanent life insurance",
        "options_renouvellement": "Varies by policy",
        "prix_mensuel": 38,
        "reputation_reclamations": "Excellent",
        "service_client": "Excellent"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Individuals seeking an affordable, quick-to-obtain term life policy with lower coverage amounts and minimal medical requirements.",
      "cons": [],
      "description": "Affordable term life insurance with up to $250k coverage, often without a medical exam.",
      "link_url": "https://fidelitylife.com/",
      "logo_dom": "fidelitylife.com",
      "logo_url": "https://unavatar.io/fidelitylife.com?fallback=false",
      "name": "RAPIDecision® Life (10 Years)",
      "pros": [
        "Affordable monthly premium",
        "No medical exam in most cases",
        "Easy and fast online quote and purchase"
      ],
      "provider": "Fidelity Life",
      "provider_url": "https://fidelitylife.com/",
      "review": "My agent was very patient and explained my options thoroughly. He worked with me to find an affordable policy I could pay even on a fixed income.",
      "review_summary": "Customers appreciate the patience and thorough explanations from agents, the ease of the process, and the affordability of policies, often highlighting the good reputation of the company.",
      "score": 0.0,
      "source_url": "https://fidelitylife.com/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Individuals seeking an affordable, quick-to-obtain term life policy with moderate coverage amounts and minimal medical requirements.",
      "cons": [],
      "description": "Affordable term life insurance with up to $500k coverage, often without a medical exam.",
      "link_url": "https://fidelitylife.com/",
      "logo_dom": "fidelitylife.com",
      "logo_url": "https://unavatar.io/fidelitylife.com?fallback=false",
      "name": "RAPIDecision® Life (20 Years)",
      "pros": [
        "Affordable monthly premium",
        "No medical exam in most cases",
        "Easy and fast online quote and purchase"
      ],
      "provider": "Fidelity Life",
      "provider_url": "https://fidelitylife.com/",
      "review": "I was shopping around looking for a reasonable price, but I also wanted a company that has a good reputation. Fidelity Life made the process really easy, and I can tell they care about me.",
      "review_summary": "Customers appreciate the patience and thorough explanations from agents, the ease of the process, and the affordability of policies, often highlighting the good reputation of the company.",
      "score": 0.0,
      "source_url": "https://fidelitylife.com/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Individuals seeking an affordable, quick-to-obtain term life policy with moderate coverage amounts and minimal medical requirements.",
      "cons": [],
      "description": "Affordable term life insurance with up to $500k coverage, often without a medical exam.",
      "link_url": "https://fidelitylife.com/",
      "logo_dom": "fidelitylife.com",
      "logo_url": "https://unavatar.io/fidelitylife.com?fallback=false",
      "name": "RAPIDecision® Life (30 Years)",
      "pros": [
        "Affordable monthly premium",
        "No medical exam in most cases",
        "Easy and fast online quote and purchase"
      ],
      "provider": "Fidelity Life",
      "provider_url": "https://fidelitylife.com/",
      "review": "I want my loved ones taken care of if I pass. Fidelity Life made it fast and easy to get a policy.",
      "review_summary": "Customers appreciate the patience and thorough explanations from agents, the ease of the process, and the affordability of policies, often highlighting the good reputation of the company.",
      "score": 0.0,
      "source_url": "https://fidelitylife.com/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Those looking for short-range financial protection, such as paying off a loan, with the option to convert to permanent coverage.",
      "cons": [
        "Premiums increase with each subsequent renewal"
      ],
      "description": "Term life insurance providing death protection for a stated time period, with guaranteed premiums for the initial term.",
      "link_url": "https://www.statefarm.com/insurance/life/term-life",
      "logo_dom": "www.statefarm.com",
      "logo_url": "https://unavatar.io/www.statefarm.com?fallback=false",
      "name": "Select Term Life insurance (10 years)",
      "pros": [
        "Guaranteed premiums for the initial term",
        "Renewable up to age 95",
        "Convertible to permanent coverage regardless of health"
      ],
      "provider": "State Farm",
      "provider_url": "https://www.statefarm.com/insurance/life/term-life",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.statefarm.com/insurance/life/term-life",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Families during child-raising years needing protection for a defined period, with the flexibility to convert later.",
      "cons": [
        "Premiums increase with each subsequent renewal"
      ],
      "description": "Term life insurance providing death protection for a stated time period, with guaranteed premiums for the initial term.",
      "link_url": "https://www.statefarm.com/insurance/life/term-life",
      "logo_dom": "www.statefarm.com",
      "logo_url": "https://unavatar.io/www.statefarm.com?fallback=false",
      "name": "Select Term Life insurance (20 years)",
      "pros": [
        "Guaranteed premiums for the initial term",
        "Renewable up to age 95",
        "Convertible to permanent coverage regardless of health"
      ],
      "provider": "State Farm",
      "provider_url": "https://www.statefarm.com/insurance/life/term-life",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.statefarm.com/insurance/life/term-life",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Individuals seeking long-term financial protection for significant debts like mortgages or long-term family support, with conversion flexibility.",
      "cons": [
        "Premiums increase with each subsequent renewal"
      ],
      "description": "Term life insurance providing death protection for a stated time period, with guaranteed premiums for the initial term.",
      "link_url": "https://www.statefarm.com/insurance/life/term-life",
      "logo_dom": "www.statefarm.com",
      "logo_url": "https://unavatar.io/www.statefarm.com?fallback=false",
      "name": "Select Term Life insurance (30 years)",
      "pros": [
        "Guaranteed premiums for the initial term",
        "Renewable up to age 95",
        "Convertible to permanent coverage regardless of health"
      ],
      "provider": "State Farm",
      "provider_url": "https://www.statefarm.com/insurance/life/term-life",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.statefarm.com/insurance/life/term-life",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Those who want the security of term life insurance but also the potential to recover their premium payments if they outlive the policy term.",
      "cons": [
        "Premiums increase with each subsequent renewal"
      ],
      "description": "Term life insurance where premiums are returned if the insured outlives the initial term.",
      "link_url": "https://www.statefarm.com/insurance/life/term-life",
      "logo_dom": "www.statefarm.com",
      "logo_url": "https://unavatar.io/www.statefarm.com?fallback=false",
      "name": "Return of Premium Life insurance (20 years)",
      "pros": [
        "Premiums returned if insured outlives the term",
        "Guaranteed premiums for the initial term",
        "Renewable up to age 95"
      ],
      "provider": "State Farm",
      "provider_url": "https://www.statefarm.com/insurance/life/term-life",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.statefarm.com/insurance/life/term-life",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Those who want the security of term life insurance but also the potential to recover their premium payments if they outlive the policy term.",
      "cons": [
        "Premiums increase with each subsequent renewal"
      ],
      "description": "Term life insurance where premiums are returned if the insured outlives the initial term.",
      "link_url": "https://www.statefarm.com/insurance/life/term-life",
      "logo_dom": "www.statefarm.com",
      "logo_url": "https://unavatar.io/www.statefarm.com?fallback=false",
      "name": "Return of Premium Life insurance (30 years)",
      "pros": [
        "Premiums returned if insured outlives the term",
        "Guaranteed premiums for the initial term",
        "Renewable up to age 95"
      ],
      "provider": "State Farm",
      "provider_url": "https://www.statefarm.com/insurance/life/term-life",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.statefarm.com/insurance/life/term-life",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [
        "cheapest"
      ],
      "description": "Ladder offers flexible term life insurance policies that can be adjusted as your needs change, with a focus on speed and ease.",
      "estimated": true,
      "link_url": "https://www.ladderlife.com/",
      "logo_dom": "ladder.com",
      "logo_url": "https://unavatar.io/ladder.com?fallback=false",
      "name": "Term Life Insurance from Ladder",
      "provider": "Ladder",
      "score": 0.0,
      "source_url": "https://www.ladderlife.com/",
      "subscores": {},
      "values": {
        "exigences_medicales": "May not require a medical exam for younger, healthier applicants",
        "longueur_terme": 25,
        "montant_couverture": 750000,
        "notation_solidite_financiere": "A",
        "options_avenants": "Limited",
        "options_conversion": "Not typically offered",
        "options_renouvellement": "Not typically offered",
        "prix_mensuel": 35,
        "reputation_reclamations": "Good",
        "service_client": "Good"
      }
    },
    {
      "badges": [],
      "estimated": true,
      "name": "Guardian Life Insurance",
      "score": 0.0,
      "subscores": {},
      "values": {
        "exigences_medicales": "medical exam may not be required for employer-provided insurance; guaranteed issue life insurance does not require health questions or a medical exam",
        "longueur_terme": null,
        "montant_couverture": null,
        "notation_solidite_financiere": "A++",
        "options_avenants": "accelerated death (or “life”) benefit rider",
        "options_conversion": null,
        "options_renouvellement": null,
        "prix_mensuel": null,
        "reputation_reclamations": null,
        "service_client": "Five-star rating from NerdWallet"
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://nerdwallet.com/",
      "name": "NerdWallet",
      "score": 0.0,
      "subscores": {},
      "values": {
        "exigences_medicales": null,
        "longueur_terme": null,
        "montant_couverture": null,
        "notation_solidite_financiere": null,
        "options_avenants": null,
        "options_conversion": null,
        "options_renouvellement": null,
        "prix_mensuel": null,
        "reputation_reclamations": null,
        "service_client": null
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-term-life-insurance-companies.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best term life insurance",
  "source": "CompareFairly",
  "title": "Best Term Life Insurance",
  "unranked": true,
  "url": "https://comparefairly.com/en/US/best-term-life-insurance-companies"
}