NU Online News Service, Sept. 21, 5:18 p.m. – Quotesmith.com Inc., Darien, Ill., a Web-based insurance broker, says the U.S. term life insurance market appears to be as competitive as ever.

A review of term life priced charged by 90 U.S. life insurers shows rates are lower than they were a year ago, Quotesmith.com says.

Quotesmith.com gives a $250,000, 15-year level premium policy as an example. The price for that coverage is now about 13% less than it was six months ago for all age groups between 35 and 75, the company says.

Prices for 10-year, 20-year, 25-year and 30-year level term policies are also down, Quotemsith.com says.

In theory, the Sept. 11 terrorist attacks could increase prices and affect availability of coverage.

But, even if life claims run as high as $5 billion, that would amount to only 2.5% of the life insurance industry?fs $200 billion in capital, Quotesmith.com says.