The short answer
This database compares nine term products on the specs that decide whether a policy fits you, not on price. As of November 11, 2026, Banner OPTerm has the most lengths, 10 to 40 years. Transamerica Trendsetter Super has the widest issue ages, 18 to 80. Symetra SwiftTerm ends conversion at the 10th policy anniversary. Every cell comes from the insurer's own consumer document, dated.
- Products compared
- 9
- Most lengths
- Banner OPTerm, 7 lengths
- Shortest product
- Fidelity Life, 1 year
On this page
How to read this database
Most comparison charts online rank insurers by a sample price or a star rating. Prices change and depend on your health, so a chart of them goes stale fast. The specs below change slowly and decide the questions that come first. Will the insurer sell you this length at your age? How much cover will it write? What happens after the level period? How long can you convert?
We used only documents written for buyers, such as product pages, client guides and consumer fact sheets. Two big names are missing on purpose. Prudential and Corebridge publish their term conversion rules in material written for financial professionals, and we do not build public pages from that material. They return when a policyholder-facing source states the rules.
Lengths, issue ages and amounts
| Insurer and product | Level periods, years | Issue ages | Amounts | After the level period | Source |
|---|---|---|---|---|---|
| Banner Life, OPTerm | 10, 15, 20, 25, 30, 35, 40 | 20 to 75 for 10 and 15 years, falling to 20 to 45 for 40 years, non-tobacco, age nearest birthday | Price bands start at $100,000. $90 annual policy fee | Premiums rise each year, cover ends at 95 | [1] |
| Symetra, SwiftTerm | 10, 15, 20, 30 | 20 to 60, 30 years to 55 (50 with nicotine) | $100,000 to $5 million | Renews yearly at rising premiums to 95 | [2] |
| Transamerica, Trendsetter Super | 10, 15, 20, 25, 30 | 18 to 80 across the series | $25,000 to $10 million and up, no exam through $2 million at some ages | Premiums rise yearly from the year after the level period | [3] |
| Pacific Life, PL Promise Term | 10, 15, 20, 25, 30 | Not stated in the client guide | $50,000 minimum | Not stated in the client guide | [4] |
| United of Omaha, Term Life Express | 10, 15, 20, 30 | 18 to 75, age last birthday, top amount falls with age | $25,000 to $550,000 at 18 to 50, to $250,000 at 51 to 60, to $150,000 at 61 to 75 | Renewable each year to 100 without new evidence of health | [5] |
| State Farm, Select Term | 10, 20, 30 | 18 to 75, 18 to 65, 18 to 45 by length | From $100,000 | Renewable yearly to 95, never above the maximum premium in the policy | [6] |
| New York Life, term | 10, 15, 20, or year to year | Not stated on the product page | Not stated on the product page | Premiums increase each year | [8] |
| Fidelity Life, one-year policy sold through Progressive (see short-term life insurance) | 1 | Not stated on the page | $50,000 to $200,000 | Buy another year, a longer policy or permanent cover | [9] |
| Protective, Classic Choice | Plans from 10 to 40 named in the rider guide | Not stated in consumer documents | Not stated in consumer documents | Not stated in consumer documents | [10] |
Checked November 11, 2026. Consumer documents only, edition dates in Sources. Issue ages are the insurer's own age basis where it states one.
Two rows deserve a second look. Term Life Express is a simplified issue product with two classes, standard tobacco and standard nontobacco, so its amounts are capped low and fall with age.[5] State Farm caps Select Term renewal premiums at a maximum written into the policy.[6] For more on one product, see the SwiftTerm page or the State Farm Select Term page.
Conversion, credits and riders
| Insurer and product | Conversion window | Credit published | Paid conversion rider | Living benefit |
|---|---|---|---|---|
| Banner Life, OPTerm | Whole level period, capped at attained age 70. Issued at 66 or older, five years | No | None listed | Accelerated Death Benefit Rider included |
| Symetra, SwiftTerm | To the 10th policy anniversary, or the anniversary after age 70 if sooner | No | Conversion Enhancement Rider | Terminal illness, 75 percent up to $500,000 |
| Transamerica, Trendsetter Super | No deadline in the consumer guide | No | None listed | Terminal illness endorsement included |
| Pacific Life, PL Promise Term | Through the level period while you are 70 or under | No | None listed | Terminal illness rider at no extra cost |
| United of Omaha, Term Life Express | From after year 2 to the level period's end or the anniversary after age 70 | No | None listed | Chronic, terminal and critical illness riders, up to 80 percent |
| State Farm, Select Term | Varies by state | No | None listed | Not stated on the page |
| New York Life, term | Timing limits may apply, no date given | Yes, first five years | None listed | Not stated on the page |
| Protective, Classic Choice | Five years of full choices, then limited | No | Conversion Choice rider, to year 8, 13 or 18 by length, or age 70 | ExtendCare chronic illness option on conversion, with the rider |
Checked November 11, 2026. "No" means the consumer document does not mention a credit, not that the insurer refuses one. Sources 1 to 8 and 10. The Fidelity Life one-year policy is left out because its page says nothing on conversion.
The conversion column is where products differ most, and it is the column buyers check least. A policy that converts for its full level period protects you if your health turns in year 15. One that stops at year 10, or year 5, does not. The full rule for each insurer, with quotes, is in our conversion deadline tracker.
Sample prices insurers publish
Most insurers in the database print no prices in their consumer documents. State Farm is the exception, with three samples on its term page.
| State Farm Select Term, $250,000 | Monthly | Annual |
|---|---|---|
| 10-year level | $15.02 a month | $172.50 a year |
| 20-year level | $15.22 a month | $175.00 a year |
| 30-year level | $19.14 a month | $220.00 a year |
Checked November 11, 2026 on State Farm's term life page [7]. State Farm's own assumptions, a 25-year-old female in excellent health in Illinois, shown as "starting at" prices. Not a quote. Your price depends on your health, age, state and the insurer.
The gap between the 10 and 20-year samples is 20 cents a month for this profile. That says more about how cheap cover is at 25 than about State Farm. It also shows why samples mislead older buyers, since after 45 State Farm no longer sells the 30-year length at all.
What closes first as you age
Example. A 52-year-old non-smoker wants a 30-year policy
- Banner OPTerm 30, sold to age 55
- Open
- Symetra SwiftTerm 30, sold to age 55
- Open
- State Farm Select Term 30, sold to age 45
- Closed
- Products in this database that confirm a 30-year sale at 52
- 2
Issue ages from Banner's spec for individuals, Symetra's fact sheet LIM-1600 10/24 and State Farm's Select Term page, checked November 11, 2026. Transamerica, Pacific Life and Term Life Express do not state an issue age by length in the documents we read, so they may still sell it.
Three years later both open rows close too. At 56, a buyer wanting 30 years has no confirmed option in this table, and the realistic choices become 20 or 25 years. Our term lengths section shows each length's closing age, and a quote shows which insurers will still write your length today.
Gaps we could not fill
- Prudential and Corebridge. Held out, as explained above.
- Protective Classic Choice issue ages and amounts. Not in the consumer FAQ or rider guide we read.
- Pacific Life issue ages and renewal. The client guide gives lengths and a $50,000 minimum but no age table.
- Prices. Only State Farm prints samples. For everyone else a price needs your age, health and state.
When we add a row or a cell, the edition date in Sources changes and the checked date at the top moves.
Questions people ask
Which term policy has the longest length?
In this database, Banner OPTerm at 40 years, sold to non-tobacco buyers up to 45. Protective's rider guide names plans up to 40 years as well, but its consumer documents do not give the issue ages.
Which policy can I buy at 70 or older?
From the documents here, Banner OPTerm 10 and 15 to age 75, State Farm Select Term 10 to 75, Transamerica Trendsetter Super to 80 across the series, and Term Life Express to 75 with a $150,000 cap from age 61.
Why are there no prices for most insurers?
Insurers rarely print prices in consumer documents, because the price depends on age, health class, amount and state. A sample from one profile can mislead someone in another.
Do all these policies renew after the level period?
Most do, at premiums that rise every year. Banner and Symetra run to 95, Term Life Express to 100. The renewal premiums are in your policy schedule.
Last updated November 12, 2026. Found an error? Call (305) 699-5857 and it goes in the corrections log.
Sources (10)
- Banner Life Insurance Company, OPTerm product facts written for individuals, edition CN04022026-2. Opened November 11, 2026. Banner Life PDF
- Symetra Life Insurance Company, fact sheet for SwiftTerm, edition LIM-1600 of October 2024 on an agency website. Opened November 11, 2026. Symetra fact sheet PDF
- Transamerica Life Insurance Company, consumer field guide for the Trendsetter Super Series, edition 133039R2 of April 2021. Opened November 11, 2026. Transamerica PDF
- Pacific Life Insurance Company, PL Promise Term guide for clients, edition 15-45340-07 of March 2023. Opened November 11, 2026. Pacific Life PDF
- United of Omaha Life Insurance Company, Term Life Express highlights for buyers, edition 285243_0426. Opened November 11, 2026. Mutual of Omaha PDF
- State Farm, product page for Select Term life, undated. Opened November 10, 2026. State Farm Select Term
- State Farm, term life overview with sample rates, undated. Opened November 11, 2026. State Farm term life
- New York Life, term life product overview and its term conversion page, both undated. Opened November 11, 2026. New York Life term
- Progressive, one-year short-term life insurance from Fidelity Life, undated. Opened November 11, 2026. Progressive one-year
- Protective Life, Classic Choice consumer FAQ PLC.5547982 (12.25) and riders guide 2661016 (10.24). Opened November 11, 2026. Protective FAQ PDF
