There is no one life insurance company that has the best rates for everyone because each person has their own specific risk factors for life insurance; such as, being overweight, smoking, or over the age of 60.

Life insurance companies often have certain classes of risk in which their rates will be more competitive for a certain type of life insurance policy, or for a certain age range of applicants, or for a certain type of health status.

To find the best life insurance rates for you, you can use an online life insurance quote engine to instantly compare life insurance prices, or call a life insurance agency in your area that sells life insurance policies from multiple insurance companies and have them do the shopping for you.

Make sure you consider the financial strength rating of the insurance company, how long your rate and coverage is guaranteed to remain level, and how long the insurance company has been in business, before choosing a life insurance carrier.