Our Top 15 Term Life Insurance Companies cover 80% of our visitors' demographics, and it provides the competitive information necessary to begin an informed life insurance shopping campaign.

Our ranking software generates the Budget Life Top 15 every time rates change. We use the COMPULIFE ® database of top companies, which you can also see at Term4Sale.com. It is the most unbiased and comprehensive insurance site: they don't sell insurance; they have no incentive to withold information.

The COMPULIFE ® database has companies of all different ratings for financial strength. For our survey, we only use companies rated A- or better by A.M. Best.

Our Life Insurance Ranking system then extracts from the database the lowest rates for $500,000 face amount in each of these categories: 1) "Preferred Plus" and "Standard" health; 2) male and female; 3) non-smoker; 4) ages 25, 35, 45, 55; 5)10 and 20 year duration. It assigns scores to the lowest fifteen rates in each category and then adds them up.