Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Tim Bain

Founder & Life Insurance Agent

Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Founder & Life Insurance Agent

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

For this request, you’ll work directly with the company

Quick Facts

  • Comparing rates for term life insurance policies can help you make the best policy decision for your needs
  • Once you’ve decided on the best company to purchase your term life insurance policy from, you can contact them directly to find out more information
  • If you’re not sure what you need, speaking with a licensed agent can help you narrow down your choices

Looking for term life insurance? There are a number of factors to consider, like general life insurance policy information, how much life insurance you need, term life insurance rates, term life insurance vs. whole life insurance, and more.

These and other questions are important when you’re planning to select term life insurance. While we’ll touch on some of these topics, our main focus in this article is company contact information and methods for reaching popular term life insurance companies, so when you’re ready to shop, you know where to start.

You likely have a lot of questions like what is the average cost of select term life insurance? Before you buy select term life insurance, use our free tool to get a quote on term life insurance so you can start comparing rates.



Term Life Insurance Companies

When you’re looking for the best term life insurance companies for your needs, after you’ve gotten term life insurance quotes, you need to be able to contact companies to ask questions, learn about their offerings, etc.

To learn a little more about term life insurance, take a minute to watch this video before we dive into the basic contact information for some of the term life insurance companies in the country. https://www.youtube.com/watch?v=hR2MaPaMgdU

Read through the next several sections to learn more about how to contact term life insurance companies that may be of interest to you as you shop for coverage.

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American General Life Insurance Company

American General Life Insurance Company offers term life insurance to insureds throughout the country, but the company does note that products can vary by state, so you’ll need to contact the company directly to find out what’s available in your area. Their contact information is:

  • Website:  Customer Service
  • Phone:  800-888-2452
  • Address:  PO Box 305355, Nashville, TN 37230-5355
  • Popular Forms
    • Change of Beneficiary
    • Name and Address Change
    • Electronic Payment Form (Bank Draft)
    • Miscellaneous Service Request

Please contact the life insurance company for info about AG select a term life insurance and all other forms.

Banner Life Insurance Company

Banner Life Insurance Company offers life insurance policies in most states. Contact information for the company includes:

  • Website:  Customer Service
  • Phone:  800-638-8428
  • Email:  [email protected]
  • Address:  3275 Bennett Creek Avenue, Frederick, Maryland 21704
  • Popular Forms
    • Beneficiary Change
    • Name Change
    • Address Change
    • Policy Change
    • Owner Change
    • Electronic Payment Form (Bank Draft)

To find out exactly what insurance products are available from Banner Life Insurance in your area, contact the company directly.

Read more: How To Cancel Your Banner Life Insurance Policy

Fidelity Life Association

Fidelity offers a few different kinds of term life insurance, depending on your specific situation. Contact the company at:

  • Website:  Customer Service
  • Phone:  800-369-3990
  • Email:  [email protected]
  • Address:  P.O. Box 5030, Des Plaines, IL 60017
  • Popular Forms
    • Beneficiary Change
    • Name Change
    • Address Change
    • Policy Change
    • Owner Change
    • Payment Change
    • Electronic Payment Form (Bank Draft)
    • Cancel Policy
    • Collateral Assignment
    • Submit a Claim

Speaking with Fidelity Life directly will allow you to ask questions and find out which of their term life insurance products is right for your needs.

Read more: How To Cancel Your Fidelity Life Insurance Policy

Haven Life / MassMutual

Haven Life is a wholly-owned subsidiary of Mass Mutual Life Insurance Company. Contact Haven Life/Mass Mutual at:

  • Website:  Customer Service
  • Phone:844-768-6774
  • Email:  [email protected]
  • Address:  60 Madison Ave, 7th Floor, New York, NY 10010
  • Popular Forms
    • Name Change
    • Address Change
    • Owner Change
    • Beneficiary Change
    • Submit a Claim

You can learn more by visiting the company’s website or calling their customer service line, listed above.

Company Website

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Genworth Life Insurance Company

Contact Genworth Life Insurance company at:

  • Website:  Customer Service
  • Phone:  888-436-9678
  • Address:  P.O. Box 40016, Lynchburg, VA 24501
  • Email
  • Online Payments
  • Popular Forms
    • Beneficiary Change
    • Name Change
    • Address Change
    • Policy Change
    • Owner Change
    • Duplicate Policy
    • Cancel Policy
    • Collateral Assignment
    • Electronic Payments – EFT

Genworth offers a variety of life insurance products tailored to differing needs. Contact the company to find out more.

John Hancock Life Insurance Company

John Hancock Life Insurance Company has been in business for over 150 years. You can contact the company at:

  • Website:  Customer Service
  • Phone:  800-387-2747
  • Address:  P O Box 55979, Boston, MA 02205
  • Popular Forms
    • Beneficiary Change
    • Name Change
    • Address Change
    • Policy Change
    • Owner Change
    • Payment Mode Change
    • Duplicate Policy Request
    • Cancel Policy
    • Electronic Payment Form (Bank Draft)
    • Collateral assignment

Use one of these methods of contacting John Hancock Life Insurance to find out if its products are available in your area.

Read more: Collateral Assignment of Life Insurance (Explained)

Lincoln National Life Insurance Company

Contact Lincoln National Life Insurance Company at:

  • Website:  Customer Service
  • Phone:  800-487-1485
  • Address:  P.O. Box 21008, Greensboro, NC, 27420-1008
  • Popular Forms
    • Beneficiary Change
    • Name Change
    • Address Change
    • Policy Change
    • Owner Change
    • Duplicate Policy Request
    • Electronic Payment Form (Bank Draft)
    • Collateral Assignment

Lincoln National Life Insurance Company is an affiliate of Lincoln Financial Group.

MetLife Life Insurance Company

While MetLife Life Insurance Company is based out of Atlanta, Georgia, you can purchase coverage from almost anywhere in the United States. Contact the company at:

  • Website:  Customer Service
  • Phone:  800-638-5433
  • Address:  PO Box 105072, Atlanta, GA 30348-5072
  • Popular Forms
    • Beneficiary Change
    • Name Change
    • Address Change
    • Policy Change
    • Owner Change
    • Cancel Policy
    • Collateral Assignment

Life insurance is just one of the insurance products sold by MetLife. You can also purchase home, auto, and health insurance through the company.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

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Mutual of Omaha Life Insurance Company

Mutual of Omaha has been in the insurance business for over 100 years. Reach out to the company through one of the following methods:

  • Website:  Customer Service
  • Phone:  877-202-2676
  • Address:  3300 Mutual of Omaha Plaza, Omaha, Nebraska 68175
  • Popular Forms
    • Beneficiary Change
    • Name Change
    • Address Change
    • Electronic Payments
    • Cancel Policy
    • Collateral Assignment

In addition to life insurance, Mutual of Omaha also provides Medicare supplement information and various financial services.

Principal Life Insurance Company

Contact Principle Life Insurance through one of the following methods:

  • Website:  Customer Service
  • Phone:  800-986-3343
  • Fax:  866-885-0390
  • Address:  PO Box 10431, Des Moines, IA 50306-0431
  • Popular Forms
    • Beneficiary Change
    • Name Change
    • Address Change
    • Owner Change
    • Electronic Payments
    • Cancel Policy
    • Request Duplicate Policy
    • Change Premium Frequency

In addition to life insurance, Principle offers investment and financial services to help set you up for retirement.

Protective Life Insurance Company

Contact Protective Life Insurance by phone or email, both of which are listed below, along with the company’s mailing address.

  • Website:  Customer Service
  • Phone:  800-866-9933
  • Address:  PO Box 12687, Birmingham, AL 35202-6687
  • Email:  [email protected]
  • Popular Forms
    • Beneficiary Change
    • Name & Address Change
    • Owner Change
    • Policy Change
    • Request Duplicate Policy
    • Electronic Payment Form (Bank Draft)

Find out if Protective Life Insurance is available in your area by speaking with an agent.

Prudential (Pruco) Life Insurance Company

Contact Prudential using one of the following methods:

  • Website:  Customer Service
  • Phone:  800-944-8786
  • Address:  213 Washington St, Newark, NJ 07102
  • Popular Forms
    • Beneficiary Change
    • Name & Address Change
    • Owner Change
    • Premium Frequency Change
    • Electronic Payment Form (Bank Draft)
    • Submit a Claim

Like some of the other companies listed here, Prudential offers retirement and investment services in addition to life insurance.

Company Website

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ReliaStar (Voya) Life Insurance Company

Contact ReliaStar, a subsidiary of Voya Financial, through one of the following methods:

  • Website:  Customer Service
  • Phone:  855-663-8692
  • Email:  [email protected]
  • Address:  2000 21st Ave. NW, Minot, ND 58703
  • Popular Forms
    • Beneficiary Change
    • Name & Address Change
    • Owner Change
    • Policy Change
    • Electronic Payment Form (Bank Draft)
    • Policy Surrender/Cancel
    • Submit a Claim

ReliaStar sells life insurance both to individual insureds and to companies.

Sagicor Life Insurance Company

You can contact Sagicor through the company’s phone number or website.

  • Website:  Customer Service
  • Phone:  888-724-4267
  • Address:  4343 N. Scottsdale Road, Suite 300, Scottsdale, AZ 85251
  • Popular Forms
    • Beneficiary Change
    • Name & Owner Change
    • Address Change
    • Policy Change
    • Policy Surrender/Cancel
    • Electronic Payment Form (Bank Draft)
    • Submit a Claim
    • All Forms

Sagicor sells life insurance policies and annuities throughout the country.

Company Website

Savings Bank (SBLI) Life Insurance Company

Reach out to SBLI for more information on available insurance products using one of the following:

  • Website:  Customer Service
  • Phone:  800-694-7254
  • Email:  [email protected]
  • Address:  1 Linscott Rd, Woburn, MA 01801
  • Popular Forms
    • Beneficiary Change
    • Beneficiary Change to a Trust
    • Name & Address Change
    • Owner Change
    • Owner Change to a Trust
    • Policy Change – Reduce Coverage
    • Policy Change – Remove Tobacco Rating
    • Policy Change – Improve Rating Class
    • Duplicate Policy
    • Electronic Payment Form (Bank Draft)
    • Submit a Claim

SBLI has been in business since 1907 and is known for good customer service.

Transamerica Life Insurance Company

Transamerica Life Insurance Company focuses on ensuring customers are financially prepared to retire. Learn more by contacting the company.

  • Website:  Customer Service
  • Phone:  800-797-2643
  • Address:  4333 Edgewood Rd NE, Cedar Rapids, IA 52499
  • Popular Forms
    • Beneficiary Change
    • Name & Address Change
    • Policy Change
    • Policy Surrender/Cancel
    • Electronic Payment Form (Bank Draft)

Though based in Cedar Rapids, IA, you can purchase a Transamerica life insurance policy in most places throughout the U.S.

Your life insurance quotes are always free.

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The Bottom Line for Selecting Your Term Life Insurance Company

When you’re shopping for the best term life insurance for your needs, it’s important to do your research, compare quotes, and make sure you ask the right questions. Having contact information for some of the more popular term life insurance companies can help you get started on your term life insurance journey.

Frequently Asked Questions: Selecting Your Term Life Insurance Company

Still have questions about selecting a term life insurance company? Read through these frequently asked questions for more.

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#1 – What is a select term life insurance policy?

Select term life insurance definition is term life insurance in which you are able to select the term length (10, 20, 30 years, for example). You are able to select the term length depending on your specific needs, so if you don’t need it for too far into the future, for example, you may be interested in a 10-year select term life insurance policy.

#2 – Which is better, term or whole life insurance?

Term life insurance is more affordable than whole life insurance because it covers a set amount of time (usually 10, 20, or 30 years). However, once the policy expires, you no longer have the coverage.

By contrast, whole life insurance is a life-long policy, which costs more but can provide you with additional protection and resources after you retire.

Only you can decide which is better for your needs and situation. But it is interesting to note that theInsurance Information Insitute (III) reports that in recent years, 6.4 million of the life insurance policies purchased were whole life, versus 4.3 million that were term life insurance policies.

#3 – Can you cash in on a term life insurance policy?

The short answer is no. There is no cash value associated with term life insurance. The only value associated with a term life insurance policy is the death benefit your beneficiary would be paid if you die while the policy is still active.

#4 – Is it better to get 20- or 30-year term life insurance?

The best term length for your term life insurance varies based on your needs, budget, lifestyle, age, and other factors. Your best bet is to speak with a licensed agent to find out what they recommend, given your specific situation.

#5 – What are average term life insurance rates?

It is difficult to estimate life insurance rates because there are so many factors that can affect individual rates. However, as an example, we’ve provided average rates for a 20-year term life insurance policy of $500,000 for men and women at three different ages.

Average Annual Term Life Insurance Rates for a 20-Year, $500,000 Policy by Age and Gender
AgeAverage Annual Rate for MenAverage Annual Rate for Women
30$355$422
40$523$670
50$1,163$1,564

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Please keep in mind that these rates are only a baseline and what you pay could vary significantly based on your personal situation.

Before you go, take a moment to use our free tool to compare affordable select term life insurance then pick between select term life insurance quotes to get what’s best for you.