It can feel like an unnecessary added expense but may pay dividends down the line.

Prudential stands out for its dependable policy illustrations, which can help policyholders plan more confidently for the future. We also like that its Term Essential policy offers competitive pricing ...

Term, indexed universal, variable universal Availability: 49 states and Washington, D.C. Symetra is a good option if you’re shopping for term life, mainly because its SwiftTerm policy has low rates.