Best Term Life Insurance Policy In The USA Offered By Top Companies

Buying the right term life insurance policy in the USA


Choosing the right life insurance policy is not so easy, there are a lot of insurance policies in the market having the various types of attraction, services provided by the companies.

There a lot of term life insurance policy in the USA, many life insurance companies have various lucrative plans in USA. Some popular companies are-

Haven Life

New York Life

Banner Life

Prudential Life

AIG Life




Haven Life :

Haven Life is backed and wholly owned by MassMutual, (Massachusetts mutual life insurance company) a trusted life insurer company with more than 160-years experience.

Haven Life has a very popular and affordable term life insurance policy in the USA. Haven Life offers only term life insurance plan, the plan is a simple and high-quality, most affordable type of best life coverage, especially for young people with good health. Haven Life offers an easy online experience to buying the policy.

There some insurance riders with term life insurance plan are :

Accelerated death benefit

Disability waiver of premium



Disability income

Long-term care

Know more about Haven life Riders

Variety of Haven Term life insurance policy are – 10- year Term life insurance policy, 15- year Term life insurance policy, 20 -year Term life insurance policy, 30 -year Term life insurance policy.

Get free Haven life Insurance Quote

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Get -Started With Haven Life

MetLife :

MetLife Inc. is (Holding corporation for the Metropolitan Life Insurance Company) a USA leading insurance provider also holds market positions in Europe, Middle East, Japan, India, Latin America, and Asia’s Pacific region.

Haven Life has an affordable term life insurance policy in the USA. Metlife has various affordable Insurance plan likes-

Auto insurance (Car Insurance, Boat Insurance, RV & Motorcycle Insurance)

Home insurance (Homeowners Insurance, Renters Insurance, Condo Insurance,)

Life insurance (Term Life Insurance, Permanent Life Insurance,)

Dental Insurance

Disability Insurance (Short Term Disability Insurance, Long Term Disability Insurance,)

View Vision Insurance (Vision PPO Plan, VisionAccess)

Accident & Health (Accident Insurance, Critical Illness Insurance, Hospital Indemnity Insurance, Cancer Insurance,)

Get -Started With MetLife


insurance policy

(Photo by from Pexels)

AIG Life Insurance :

AIG (American International Group ) is also a world’s largest insurance organization spread over than 80 countries.

AIG has both Insurance and Investment plan for the people. The Insurance plans are affordable and flexible.

AIG  has some affordable term life insurance policy in the USA. AIG offers a variety of Term Life Insurance plan for Individuals, families looking for affordable, basic life insurance coverage. Plans are fit as per needs, time frame, and the budget.

The plans are :

Term Life Insurance (Select-a-Term- Choose insurance for 10 years, or from 15 to 35 years. )

QoL Flex Term ( Life insurance coverage with a guaranteed death benefit for a period of time)


Guaranteed Issue Whole Life Insurance (An affordable life insurance – no medical exam, no health questions, and acceptance is guaranteed between the ages of 50 – 85. gain tax-free benefits )


Quality of Life Insurance ( life insurance products, help to provide tax-free financial assistance)


Universal Life ( Affordable plan to secure a lifetime of coverage)


Variable Universal Life


Travel Insurance (Travel Guard- Offer insurance plans to cover travelers worldwide, The plan cover for valuables, emergency travel services, trip cancellations, medical expenses, and more. )

Get AIG Free Insurance Quote

Get -Started With AIG


Banner Life Insurance :

Banner Life Insurance is also a leader in the life insurance product. Banner Life has both flexible and affordable coverage options with a variety of plans.

Legal & General America ( Banner life ) is highly rated for financial strength among US insurance companies, has over 10 million customers worldwide. 

Banner life Term Insurance Plan :

Banner life also has an affordable term life insurance policy in the USA. Banner Term life insurance plan offers the greatest coverage at the lowest initial price.

One can buy a term life insurance policy for up to 30 years with low premiums and flexible payment (monthly, quarterly, half-yearly, yearly) options.


Banner Universal Life Insurance :

Banner Universal life insurance plan, provides lifetime guaranteed coverage with provisions for guaranteed cash values. The flexibility of premium also allows choosing a lower premium that will guarantee coverage for a duration as coverage to age 100.


Main Benefits and Features  of Universal Life Insurance-

Guaranteed Cash Value

Short Pay Guarantee

Lifetime Guarantee


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Get -Started With Banner life

Other Companies New York Life, Prudential Life, Transamerica are also providing good, affordable insurance plans, we discuss about them in the next chapter (post).


May like to read more about –

Easy affordable term life insurance policies in USA

What is the Term life insurance policy

What is the ULIP (Unit Link Insurance Plan)

What is an Endowment Life Insurance Plan



A. Posted by Ajay Srivastava a former life insurance adviser (Tata Aig Life Insurance).

B. Blog posted for general information only. The writer always tries to present excellent information, products, although readers are advised to verify the reality, all information about the product on his/her own; before taking any financial decision.