# Best Term Life Insurance _CompareFairly · en/US · neutral comparison, cited sources, no paid placement_ **Category:** finance › assurance › assurance vie › assurance vie temporaire _Unranked list: no comparable, sourced data is publicly available for these items. We list them without ranking, rather than inventing figures._ ## Comparison table | Criterion | Term Life Insurance from State Farm | RAPIDecision® Life (10 Years) | RAPIDecision® Life (20 Years) | RAPIDecision® Life (30 Years) | Select Term Life insurance (10 years) | Select Term Life insurance (20 years) | | --- | --- | --- | --- | --- | --- | --- | | Monthly Price (USD) | 38 | - | - | - | - | - | | Term Length (ans) | 25 | - | - | - | - | - | | Coverage Amount (USD) | 350000 | - | - | - | - | - | | Financial Strength Rating | A++ | - | - | - | - | - | | Customer Service | Excellent | - | - | - | - | - | | Claims Reputation | Excellent | - | - | - | - | - | | Renewal Options | Varies by policy | - | - | - | - | - | | Conversion Options | Option to convert to permanent life insurance | - | - | - | - | - | | Rider Options | Various riders available | - | - | - | - | - | | Medical Requirements | May require medical exam | - | - | - | - | - | ## 1. Term Life Insurance from State Farm Term life insurance providing death protection for a stated time period, with guaranteed premiums for the initial term. **Best for:** Those looking for short-range financial protection, such as paying off a loan, with the option to convert to permanent coverage. **Pros:** - Guaranteed premiums for the initial term - Renewable up to age 95 - Convertible to permanent coverage regardless of health **Cons:** - Premiums increase with each subsequent renewal _Source (verified): [https://www.statefarm.com/insurance/life/term-life](https://www.statefarm.com/insurance/life/term-life)_ ## 2. RAPIDecision® Life (10 Years) Affordable term life insurance with up to $250k coverage, often without a medical exam. **Best for:** Individuals seeking an affordable, quick-to-obtain term life policy with lower coverage amounts and minimal medical requirements. **Pros:** - Affordable monthly premium - No medical exam in most cases - Easy and fast online quote and purchase _Source (verified): [https://fidelitylife.com/](https://fidelitylife.com/)_ ## 3. RAPIDecision® Life (20 Years) Affordable term life insurance with up to $500k coverage, often without a medical exam. **Best for:** Individuals seeking an affordable, quick-to-obtain term life policy with moderate coverage amounts and minimal medical requirements. **Pros:** - Affordable monthly premium - No medical exam in most cases - Easy and fast online quote and purchase _Source (verified): [https://fidelitylife.com/](https://fidelitylife.com/)_ ## 4. RAPIDecision® Life (30 Years) Affordable term life insurance with up to $500k coverage, often without a medical exam. **Best for:** Individuals seeking an affordable, quick-to-obtain term life policy with moderate coverage amounts and minimal medical requirements. **Pros:** - Affordable monthly premium - No medical exam in most cases - Easy and fast online quote and purchase _Source (verified): [https://fidelitylife.com/](https://fidelitylife.com/)_ ## 5. Select Term Life insurance (10 years) Term life insurance providing death protection for a stated time period, with guaranteed premiums for the initial term. **Best for:** Those looking for short-range financial protection, such as paying off a loan, with the option to convert to permanent coverage. **Pros:** - Guaranteed premiums for the initial term - Renewable up to age 95 - Convertible to permanent coverage regardless of health **Cons:** - Premiums increase with each subsequent renewal _Source (verified): [https://www.statefarm.com/insurance/life/term-life](https://www.statefarm.com/insurance/life/term-life)_ ## 6. Select Term Life insurance (20 years) Term life insurance providing death protection for a stated time period, with guaranteed premiums for the initial term. **Best for:** Families during child-raising years needing protection for a defined period, with the flexibility to convert later. **Pros:** - Guaranteed premiums for the initial term - Renewable up to age 95 - Convertible to permanent coverage regardless of health **Cons:** - Premiums increase with each subsequent renewal _Source (verified): [https://www.statefarm.com/insurance/life/term-life](https://www.statefarm.com/insurance/life/term-life)_ ## 7. Select Term Life insurance (30 years) Term life insurance providing death protection for a stated time period, with guaranteed premiums for the initial term. **Best for:** Individuals seeking long-term financial protection for significant debts like mortgages or long-term family support, with conversion flexibility. **Pros:** - Guaranteed premiums for the initial term - Renewable up to age 95 - Convertible to permanent coverage regardless of health **Cons:** - Premiums increase with each subsequent renewal _Source (verified): [https://www.statefarm.com/insurance/life/term-life](https://www.statefarm.com/insurance/life/term-life)_ ## 8. Return of Premium Life insurance (20 years) Term life insurance where premiums are returned if the insured outlives the initial term. **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. **Pros:** - Premiums returned if insured outlives the term - Guaranteed premiums for the initial term - Renewable up to age 95 **Cons:** - Premiums increase with each subsequent renewal _Source (verified): [https://www.statefarm.com/insurance/life/term-life](https://www.statefarm.com/insurance/life/term-life)_ ## 9. Return of Premium Life insurance (30 years) Term life insurance where premiums are returned if the insured outlives the initial term. **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. **Pros:** - Premiums returned if insured outlives the term - Guaranteed premiums for the initial term - Renewable up to age 95 **Cons:** - Premiums increase with each subsequent renewal _Source (verified): [https://www.statefarm.com/insurance/life/term-life](https://www.statefarm.com/insurance/life/term-life)_ ## 10. Term Life Insurance from Ladder Ladder offers flexible term life insurance policies that can be adjusted as your needs change, with a focus on speed and ease. _Source (estimate): [https://www.ladderlife.com/](https://www.ladderlife.com/)_ ## 11. Guardian Life Insurance ## 12. NerdWallet ## In short 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. ## Frequently asked questions **What is the best term life insurance to get in 2026?** 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. **How do I compare term life insurance policies?** 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. **Is the term life insurance ranking on this page sponsored?** No, our ranking is completely neutral and not influenced by any paid placements; all data is sourced and objectively presented. **What factors are most important for term life insurance?** 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/US/best-term-life-insurance-companies — citation with a link is allowed; bulk extraction/redistribution is prohibited._