Hey Lifeblood -
I work in the life insurance industry and I will say the following:
Both these carriers are well known with pretty good ratings from the rating agencies (AM Best, Moodys, S&P).
At 39, these are pretty competitve rates and I would suggest that going through an online broker (like Select a Quote) is a reasonable way to find/purchase term life insurance. You should always be able to find pretty attractive rates this way because the commissions they pay to the agent (in this case, selct-a-quote) are small relative to what they'd pay the guy to sit at your kitchen table and walk through a policy with you.
I'm guessing you still need to be "underwritten" where they assess your health risk and give you a rating (such as standard or preferred). If this is the case, then take your health into account when you see these prices (e.g. - if you are a smoker with diabetes, you will not be getting a "preferred" rating by the carrier andwill pay a higher premium).
A word on underwriting. The healthier you are, the more underwriting you should want done. That is, when companies don't know much about your health and will write insurance on your life they will be conservative (or greedy depending on your perspective) and assume you have below average health.
Good luck! Math Ninja
