The Top (and Bottom) 10 States for Term Life Insurance

The top 10 states for term life insurance are Utah, Georgia, Washington D.C., Colorado, New Jersey, Connecticut, Idaho, Washington, Wyoming, and Florida. These states have the most term life insurance policies purchased per capita. Keep reading to learn which states have the least term life insurance policies purchased per capita, ranking as the 10 worst states for term life insurance. If your state is on this list, you can still find reputable life insurance policies in your area.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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Written by Tim Bain
Founder & Life Insurance Agent Tim Bain

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jul 19, 2021

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Independence Day, better known as the Fourth of July, marks the day the thirteen colonies declared their independence from Great Britain in 1776. Although the colonies legally separated on July 2nd, we recognize the 4th as Independence Day because the Declaration of Independence was approved and signed on this day.

The Fourth of July is celebrated throughout the United States with fireworks, parades, barbecues, baseball and family gatherings. In honor of the holiday this year, we are taking a look at how individual states stacked up in the purchase of term life insurance through in 2010. The following are the states that rule and the states that well, don’t rule so much.

Most Term Life Insurance Policies Purchased per Capita

  1. Utah
  2. Georgia
  3. Washington, D.C.
  4. Colorado
  5. New Jersey
  6. Connecticut
  7. Idaho
  8. Washington
  9. Wyoming
  10. Florida

Fewest Term Life Insurance Policies Purchased per Capita

  1. North Dakota
  2. Alaska
  3. Vermont
  4. Mississippi
  5. Louisiana
  6. Oklahoma
  7. Tennessee
  8. Nebraska
  9. Hawaii
  10. Nevada

Congratulations to Utah for ruling the roost in 2010. Do you think they can hold the top spot again in 2011? Did you notice Washington, D.C. in the #3 spot in the top ten list? How’s that for patriotism?! Let us know what state you live in and if you think your state will make a list.

And now that you are armed with this astounding bit of term life insurance trivia, you’re sure to be the life of the party this Fourth of July. You can thank us later. Happy 4th, America!


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