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FOR OTHER ADVISORS -
Source Book
Permanent
Life Insurance Rates - Death Value Guaranteed For LifeThe Ratings of The Insurers Shown Are At Least: AM Best=A+, S&P=AA, Moody's=Aa
Annual Rates per
$1,000,000 of Permanent Guaranteed Coverage
Permanent insurance provides a guaranteed
level death amount with a guaranteed level annual premium.
The premium payment is guaranteed to never
increase. You choose the number of years you want to pay, and
we calculate the Guaranteed premium needed for that number of
years. The premium is Guaranteed to be Zero thereafter. The full
death value is guaranteed to be paid at death. This means death
at any time - before or after
age 100.
Permanent insurance generates a cash value
which is paid to the policy owner if the policy is surrendered.
The cash value may also be borrowed from the policy.
The level premium and cash value build-up
make permanent insurance ideally suited for business, estate
and income guarantee needs which may continue for more than 10
years from the date of purchase. |
Age
of
Client |
Male-
Guaranteed |
Female-Guaranteed |
Pay
for
Lifetime |
Pay
Only
for 10
years |
Pay
for
Lifetime |
Pay
Only
for 10
years |
|
30 |
$3,837 |
$8,878 |
$3,123 |
$7,202 |
|
35 |
$4,787 |
$10,774 |
$3,918 |
$8,934 |
|
40 |
$6,037 |
$13,360 |
$4,857 |
$10,935 |
|
45 |
$7,380 |
$16,224 |
$5,820 |
$13,135 |
|
50 |
$8,800 |
$18,963 |
$7,345 |
$16,295 |
|
55 |
$11,071 |
$23,293 |
$9,445 |
$19,320 |
|
60 |
$14,495 |
$28,879 |
$12,000 |
$24,465 |
|
65 |
$18,495 |
$35,690 |
$15,071 |
$29,416 |
|
70 |
$24,092 |
$42,825 |
$18,051 |
$33,796 |
| Updated -
February 21, 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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