Are most term life insurance policies the same, I can just compare premium quotes, or are there differences that I should look into?
For the most part, term life policies are basically the same. What's different, is any "rider" you might add to the policy which provides additional coverage.
For example, two common types of policy riders are a "guaranteed renewable" rider, and a "guaranteed convertible" rider.
A guaranteed renewable rider means you can renew your current term life plan for another term, without having to take a physical exam to qualify.
A guaranteed convertible rider means you can convert your term life policy to a whole life insurance policy by some specified date in the future.
Also, regular term life insurance offers the cheapest type of life insurance.
However, return os premium term life insurance charges you a higher rate, because if you outlive the term of your life insurance plan, you will receive back most of the premiums you paid over the term of your term life policy.
Here's how you can learn more about return premium term life insurance and how it works.