There isn't one specific carrier that offers the best rates and plans for every person, because life insurance rates are based on the individual person's own risk factors for life insurance.
And, each life insurer has their own set of underwriting guidelines and pricing guidelines for applicants.
Whereas, one life insurance may be the most competitive for pricing for diabetics, it may be less willing to offer low rates for people over age 70.
Some insurers like West Coast life and Banner Life have been known to offer very competitive rates on term life insurance, but they are the best for all classes of risk when it comes to life insurance.
Each person has their own risk factors, which may include your age, gender, health, family health history, occupation, hobbies, lifestyle, if you smoke or not, driving record, credit history, height-to-weight ratio, etc.
The only way to really find the most affordable plan from a highly-rated insurer is to compare multiple life insurance rates from several leading life insurers. That way you'll get a feel for which insurers offer the best plan at the most affordable price.
Efinancial lets you instantly compare the 12 lowest rates for term life insurance from their network of more than 100 leading life insurance companies.