Getting a life insurance quote online can often result in being bombarded by calls or emails from aggressive agents seeking a commission. That is why we have decided to publish sample life insurance rates by age and gender to help our customers make an informed decision. Life insurance rates.
We have assembled various life insurance rates by age below for you to get an estimate of what it will cost based on term length, coverage amount, and age. We present rates for no exam life insurance policies as well as policies that do require an exam.
Should you find these rates to be satisfactory, please call 888-407-0714 to speak with a licensed agent. You can apply for these insurance products online or over the phone in just a few minutes.
How Much Coverage Do You Need?
The answer to this question varies based on a multitude of factors. Generally speaking, you want at least 7 to 10 times your annual income. However, you must consider the size of your family and their needs in the future as well.
Cost of Term Life Insurance
Rates do not increase over the term period of the policy.
10 Year Term Life Insurance Quotes
A 10-year term policy is usually the most affordable option for coverage. It will offer a level premium for 10 years. Once the initial 10 years is up the premium will rise annually if the policy is renewable.
15 Year Term Life Insurance Quotes
A 15-year term policy is similar to the 10-year term in that it is usually one of the more affordable term lengths. It will provide coverage for 15 years at a level premium. Once the initial 15 years has passed, the premium will rise annually if the policy is renewable.
20 Year Term Life Insurance Quotes
A 20-year term policy our most popular term length. It will provide coverage for 20 years at a level term premium. After the initial period of 20 years, the premiums will increase annually.
30 Year Term Life Insurance Quotes
A 30-year term offers the longest term coverage. Like the above-mentioned term lengths the 30-year term will offer a level term premium for the first 30 years, and after this initial period of can renew annually up to age 95 depending on the policy.
UL Universal Life Insurance Quotes
Universal Life, or sometimes called lifetime coverage, is a policy that offers a level premium for life. A universal life policy will offer coverage to up to age 121. The death benefit is fixed.
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Life Insurance Rates By Age by Jon Fritz