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FOR OTHER ADVISORS -
Source Book
Male Term Rates
The Ratings of The Insurers Shown Are At Least: AM Best=A+, S&P=AA,
Moody's=Aa
Male Rates per
$1,000,000
This policy provides a level amount of term
life insurance coverage for a level annual premium.
For example; for a 35-year old male, $1,000,000
of term life insurance can be provided for 15 years by paying
an annual
premium of $330 for each of the 15 years. $1,000,000 of 30-year
level
term can be provided for a 45-year old male by paying an annual
premium of $1,930 for each of the 30 years.
The low cost of term insurance over specific
periods of time makes term insurance the coverage of choice for
short-term
personal and business needs. It can be used for longer-term
needs if the
cash flow required to maintain permanent coverage is not available. |
|
Age
at Issue |
Annual
Level Premium
Guaranteed For: |
10
Years |
15
Years |
20
Years |
30
Years |
| 25 |
$250 |
$290 |
$420 |
$640 |
| 30 |
$250 |
$290 |
$420 |
$680 |
| 35 |
$260 |
$300 |
$430 |
$759 |
| 40 |
$330 |
$430 |
$610 |
$1,149 |
| 45 |
$555 |
$870 |
$1,165 |
$1,860 |
| 50 |
$830 |
$1,385 |
$1,810 |
$2,640 |
| 55 |
$1,555 |
$2,180 |
$2,875 |
$6,050 |
| 60 |
$2,555 |
$3,600 |
$4,965 |
N.A. |
| 65 |
$4,625 |
$6,700 |
$9,770 |
N.A. |
| 70 |
$7,305 |
$11,555 |
N.A. |
N.A. |
| Updated
May 11, 2009 |
Rates above assume non-smoker in "Preferred" or "Best
Preferred" health category. They cannot be assumed to be the rates
at which any particular policy will be issued. Final issue decisions
and final rates must be determined only after a application, a medical
examination and additional data is obtained by the insurer.
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