Cheapest Life Insurance Quotes
Discover 5 deals available this month.
2.Symetra term life insurance
Symetra term life insurance offers competitively low monthly premiums similar to Banner Life for healthy male and female applicants. Sample rates are in the low- to high-$20s range for basic term coverage.
View Deal →Symetra stands out by matching some of the lowest term life rates available nationally, making it a solid choice for cost-conscious healthy buyers seeking straightforward coverage.
Pros:
- Monthly premiums are nearly identical to Banner Life's low rates
- Affordable for both male and female healthy applicants
- Provides basic term coverage with competitive pricing
Cons:
- Limited information on additional riders or policy options
- Pricing examples focus only on healthy applicants
- No mention of coverage for applicants with health conditions
3.Protective Life term life insurance
Protective Life offers affordable term life insurance with monthly premiums typically in the high-$20 range for healthy applicants across the U.S. It provides low-cost coverage options suitable for standard coverage amounts.
View Deal →Protective Life stands out by providing competitively low term life rates nationwide, making it a practical choice for those seeking budget-friendly protection without complex riders.
Pros:
- Very low monthly premiums in the high-$20 range for healthy individuals
- Available nationally with standard coverage amounts
- Competitive pricing compared to other leading term life insurers
Cons:
- Limited information on additional features or riders
- Pricing examples mainly reflect healthy applicants, may vary for others
- Does not offer the lowest rates compared to some competitors like Banner or Symetra
4.Pacific Life term life insurance
Pacific Life offers term life insurance with sample monthly rates under $30 for many healthy applicants. It also features a wide range of riders and permanent policy options.
View Deal →Pacific Life balances affordability with flexibility by providing low-cost term rates alongside extensive policy customization options.
Pros:
- Sample monthly premiums under $30 for many healthy shoppers
- Offers a broad selection of riders to tailor coverage
- Includes permanent life insurance policies in addition to term options
Cons:
- Rates may vary depending on health and coverage choices
- Not the absolute cheapest option compared to some competitors
- Limited pricing details beyond sample rates for healthy applicants
5.Guardian term life insurance
Guardian term life insurance offers slightly higher yet still affordable monthly rates compared to the cheapest options, with competitive pricing even for some applicants with certain health conditions.
View Deal →Offering solid coverage at reasonable rates, Guardian stands out for applicants who may have health concerns but still want affordable term life insurance.
Pros:
- Competitive pricing for applicants with some health conditions
- Slightly higher rates remain affordable compared to cheapest national options
- Provides term coverage suitable for a wide range of shoppers
Cons:
- Monthly rates are generally higher than the lowest-priced competitors
- Not the absolute cheapest option for healthy applicants
- Limited information on additional benefits or riders compared to some rivals
Final Words
To secure the best life insurance rates this January 2026, take time to compare quotes from top providers like Banner, Symetra, and Protective Life to find coverage that fits your needs and budget. You can explore current offers to ensure you get the most affordable policy available for your situation.
Frequently Asked Questions
Banner Life offers some of the cheapest national term life insurance rates with sample monthly premiums ranging from the low $20s to high $20s for healthy applicants. This competitive pricing makes it a top choice for affordable coverage.
Yes, Banner Life provides affordable term life insurance with sample monthly premiums in the low to high $20s for healthy applicants, making it an economical option among national insurers.
Symetra term life insurance closely competes with Banner Life, offering nearly identical low sample monthly premiums for healthy male and female shoppers. Protective Life and Pacific Life also provide low-cost term policies with monthly premiums generally under $30.
Comparing rates from top providers like Banner Life, Symetra, Protective Life, and Pacific Life is a good start since they offer some of the lowest term life insurance premiums nationwide. Look for sample monthly rates in the $20 to $30 range for healthy applicants.
Guardian offers slightly higher but still inexpensive monthly rates compared to the cheapest insurers and is noted for competitively priced coverage even for some applicants with certain health conditions.
Focus on sample monthly premiums for healthy applicants and consider the insurer’s reputation for competitive pricing across different health profiles. Also, check for additional policy options like riders or permanent coverage if you need more than basic term insurance.
