I was looking to get a life policy before I turned 35, so my rates can remain relatively low. I rarely drink and don't smoke, so I expected to get a solid 30 year term rate. I shopped around for a company that had Return of Premium for term Life Insurance. I could only find 2 companies that did this and had a strong solvency reputations. Prudential and Voya. Since Voya did most of their interation over the phone, I went with Prudential because I like to talk to an agent. I got a good and my agent is very friendly to talk to.
I do have few problems with Prudential. 1) They have not caught up with the technology of today. They do not have a cell phone app that includes life insurance, only 401K or retirement. Yet you can go to their website and check up on your policy from a computer or laptop. Its not that hard to create a cell phone app if you are a Fortune 500 company. 2) You have to have a family member be aware that you have a policy with them because if you die before the term is up, they do not check death records. They only check it after a family member tells them you have passed away. Other than those 2 issues, I am a happy customer.