All Life Insurance Tips

Looking for good company to buy term life insurance? My husband and I recently purchased a home and have a baby on the way. We are desperately searching for a solid insurance company to purchase a 20yr level term life policy. I have gotten a quote from an independent insurance agent that suggested for Primerica at $95/mo (for both of us with a disability waiver rider) (note: agent is family member), one from SelectQuote for Banner Life (never heard of them) at $64.97/mo for same coverage and waiver, and one from another insurance finder for ING at $72.70. ING has had a good rating but I think they have just been demoted slightly from AM Best and S&P. Any info I find online for customer reviews are all negative for every company I look at (not a single positive review for any). I'm not quite sure how these rates vary so widely. I would rather spend a couple extra dollars a month for peace of mind but I am truly at a loss of what to do. Can anyone make any suggestions or recommendations for a company to go with or look into? Thanks. I appreciate all of the help. We know exactly the type of policy we want and the only debts we have are mortgage, college loan and 6 months payments on 1 car. Our financial situation is good but neither my husband nor I can live without each other's income and owe 28 yrs on our mortgage so it is imperative that we get a term policy asap. I'm choosing not to go with Primerica since I have gotten quotes from other companies for around $70 for both of us. I do not wish to pay for services I don't need. I want a term policy and that is all. I will not be using New York Life either since I told the agent exactly what we wanted, how much, why, and which riders to add and all he did was try to talk me out of it and sell me a whole life policy. I am willing to bypass an agent and deal with the company directly if I continue to be unsuccessful with the agents that I've been in contact with. Can anyone recommend an insurance company that I should look into? I'm not interested in any mor

Places to compare small policies? Most of the places for life insurance (like SelectQuote.com) I've looked at that compare rates start with $100,000 policies for term life. I need a policy of only about $25,000 as I have nobody to support and my hubby just wants to be sure there's enough to pay any final bills and funeral costs. I don't want to be forking out for coverage I don't need. Any suggested places?

Where can I get the BEST deal in life insurance? Given this poor economy I have very little to spend on life insurance. I notice some of the people from SelectQuote have been bugging me to sign lately. I assume this is because of the economy. Can anyone suggest where/how to get the best plan? Right now, they are quoting me on some basic term plan for $45/month for 600,000 benefit. That sounds OK but I'd really like to get the return of premium plan while not paying much more. Thanks for any help!