I have worked in the insurance industry and when it comes to term insurance, pretty much all companies have the same product. Some companies offer discount when you purchase a combination of products, the company I used to work for we had a discount for combining some product. What I would do for most clients was a combination of 20 yr and 10 yr term plans and it would come out cheaper.
I would say maybe speak to an insurance broker who can provide you with at least 3 different products, brokers have access to more companies.
I would say maybe speak to an insurance broker who can provide you with at least 3 different products, brokers have access to more companies.