The best term life insurance rates can come from any one of the insurance providers. The only way of finding them is by going through a few others and screening the existing companies and their offers. In a bidding war, there will be some extra discounts thrown in so that you will pick a particular company to go with. You should try and take advantage of such offers. After all, it is your money and your life we are talking about. Term life insurance can start from 10 years and go on to even thirty years. It depends on how long a period will be suitable for you and your financial planning. The ideal situation would be to work with a budget so that you can take it to a few different insurance providers. They would be able to give you a workable plan for the premiums.
One of the things about finding the best term life insurance rates is that it will give you an idea of how much return you can get at the end of the term. You may be able to make that amount arrive exactly when you have a projected payment of a large sum. The expert at any of the insurance companies would be able to guide you accordingly so that you come away with the best term life insurance rates.