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Home | Products | Term-to-70
Life Insurance
The Term-to-70 Life Insurance plan offers rates in 5-year age bands. Rates
are based on your age when you purchase the policy – this is to assure
that you are getting the most benefits from your premium dollar. Rates increase
upon entry to a new 5-year age band as shown on the chart below.
|
Monthly Premium for Non-Smokers**
|
| 18-24 |
$2.10 |
$4.20 |
$6.30 |
$7.60 |
$11.40 |
$15.20 |
$19.00 |
| 25-29 |
$2.25 |
$4.50 |
$6.75 |
$8.20 |
$12.30 |
$16.40 |
$20.50 |
30-34
|
$2.75 |
$5.50 |
$8.25 |
$10.00 |
$15.00 |
$20.00 |
$25.00 |
| 35-39 |
$3.80 |
$7.60 |
$11.40 |
$13.60 |
$20.40 |
$27.20 |
$34.00 |
| 40-44 |
$6.30 |
$12.60 |
$18.90 |
$22.60 |
$33.90 |
$45.20 |
$56.50 |
| 45-49 |
$10.35 |
$20.70 |
$31.05 |
$37.20 |
$55.80 |
$74.40 |
$93.00 |
| 50-54 |
$16.45 |
$32.90 |
$49.35 |
$59.40 |
$89.10 |
$118.80 |
$148.50 |
| 55-59 |
$26.60 |
$53.20 |
$79.80 |
$95.80 |
$143.70 |
$191.60 |
$239.50 |
| 60-64 |
$34.40 |
$68.60 |
$102.90 |
$123.40 |
$185.10 |
$246.80 |
$308.50 |
| 65-69* |
$61.15 |
$122.30 |
$183.45 |
$220.20 |
$330.30 |
$440.40 |
$550.50 |
*Ages 65-69 renewal only
** You are considered a non-smoker if you have not smoked cigarettes, cigars
or a pipe, or used chewing tobacco, nicotine chewing gum or snuff during
the 12 months before submitting an application for insurance.
|
Monthly Premium for Smokers**
|
| 18-24 |
$
3.40
|
$
6.80 |
$
10.20 |
$
12.20 |
$
18.30 |
$
24.40 |
$
30.50 |
| 25-29 |
$
3.70
|
$
7.40 |
$
11.10 |
$
13.20 |
$
19.80 |
$
26.40 |
$
33.00 |
30-34
|
$
4.25
|
$
8.50 |
$
12.75 |
$
15.40 |
$
23.10 |
$
30.80 |
$
38.50 |
| 35-39 |
$
5.45
|
$
10.90 |
$
16.35 |
$
19.60 |
$
29.40 |
$
39.20 |
$
49.00 |
| 40-44 |
$
8.40
|
$
16.80 |
$
25.20 |
$
30.20 |
$
45.30 |
$
60.40 |
$
75.50 |
| 45-49 |
$13.65 |
$
27.30
|
$
40.95 |
$
49.00 |
$
73.50 |
$
98.00 |
$122.50 |
| 50-54 |
$21.65
|
$
43.30 |
$
64.95 |
$
78.00 |
$117.00 |
$156.00 |
$195.00 |
| 55-59 |
$35.00
|
$
70.00 |
$105.00 |
$126.00 |
$189.00 |
$252.00 |
$315.00 |
| 60-64 |
$45.10
|
$
90.20 |
$135.30 |
$162.40 |
$243.60 |
$324.80 |
$406.00 |
| 65-69* |
$80.45 |
$160.90
|
$241.35 |
$289.60 |
$434.40 |
$579.20 |
$724.00 |
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