| - Rates- |
| |
| Term life insurance can help provide financial security for
you and your family. But if your premiums are annually
increasing, the cost of insurance could be more than you can
afford. |
| |
LifeHorizons 10 Year Term-year, 15-year, 20-year, and
30-year term plans can help. They can be a cost-effective choice
if you face growing responsibilities on a limited budget, if you
expect your financial responsibilities to decrease after a
limited period or if you simply want to free your funds for
other uses.
|
|
| -Sample Rates at Various Ages- |
|
$100,000
Coverage, Monthly Premium |
Issue
Age |
10 Year Term |
15 Year Term |
20 Year Term |
25 Year Term |
30 Year Term |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 30 |
$8.71 |
$8.45 |
$9.33 |
$8.89 |
$10.38 |
$9.68 |
$13.11 |
$11.26 |
$13.99 |
$11.79 |
| 40 |
$9.77 |
$9.42 |
$11.35 |
$10.38 |
$12.85 |
$11.26 |
$17.78 |
$14.43 |
$18.83 |
$14.61 |
| 50 |
$15.49 |
$13.29 |
$19.27 |
$14.34 |
$22.35 |
$17.86 |
$38.46 |
$26.58 |
$49.90 |
$37.58 |
| 60 |
$34.85 |
$24.11 |
$46.20 |
$29.66 |
$66.18 |
$41.01 |
$102.50 |
$53.24 |
N/A |
N/A |
|
Rates are guaranteed for term of policy.
Rates are subject to underwriting guidelines set forth by the
company. |
| |
$250,000
Coverage, Monthly Premium |
Issue
Age |
10 Year Term |
15 Year Term |
20 Year Term |
25 Year Term |
30 Year Term |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 30 |
$11.88 |
$11.22 |
$13.42 |
$12.32 |
$16.06 |
$14.30 |
$22.88 |
$18.26 |
$25.08 |
$19.58 |
| 40 |
$14.52 |
$13.64 |
$18.48 |
$16.06 |
$22.22 |
$18.26 |
$34.54 |
$26.18 |
$37.18 |
$26.62 |
| 50 |
$28.82 |
$23.32 |
$38.28 |
$25.96 |
$45.98 |
$34.76 |
$86.24 |
$56.54 |
$114.84 |
$84.04 |
| 60 |
$77.22 |
$50.38 |
$105.60 |
$64.24 |
$155.54 |
$92.62 |
$246.40 |
$123.20 |
N/A |
N/A |
|
Rates are guaranteed for term of policy.
Rates are subject to underwriting guidelines set forth by the
company. |
| |
$1,000,000
Coverage, Monthly Premium |
Issue
Age |
10 Year Term |
15 Year Term |
20 Year Term |
25 Year Term |
30 Year Term |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 30 |
$27.72 |
$25.08 |
$33.88 |
$29.48 |
$44.44 |
$37.40 |
$71.72 |
$53.24 |
$80.52 |
$58.52 |
| 40 |
$38.28 |
$34.76 |
$54.12 |
$44.44 |
$69.08 |
$53.24 |
$118.36 |
$84.92 |
$128.92 |
$86.68 |
| 50 |
$95.45 |
$73.48 |
$133.32 |
$84.04 |
$164.12 |
$119.24 |
$325.16 |
$206.36 |
$439.56 |
$316.36 |
| 60 |
$289.08 |
$181.72 |
$402.60 |
$237.16 |
$602.36 |
$350.68 |
$965.80 |
$473.00 |
N/A |
N/A |
|
Rates are guaranteed for term of policy.
Rates are subject to underwriting guidelines set forth by the
company. |
| |
|
| -Actual Rates at Specific Ages- |
|
| - Non-Smoker Rates - |
| Non-Smoker Rates (10 Year Term) |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 20 |
$7.88 |
$7.59 |
$9.15 |
$8.58 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 21 |
$7.88 |
$7.59 |
$9.15 |
$8.58 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 22 |
$7.88 |
$7.59 |
$9.15 |
$8.58 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 23 |
$7.88 |
$7.59 |
$9.15 |
$8.58 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 24 |
$7.88 |
$7.59 |
$9.15 |
$8.58 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 25 |
$7.88 |
$7.59 |
$9.15 |
$8.58 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 26 |
$7.88 |
$7.59 |
$9.15 |
$8.58 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 27 |
$7.88 |
$7.61 |
$9.15 |
$8.62 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 28 |
$7.90 |
$7.61 |
$9.20 |
$8.62 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 29 |
$7.90 |
$7.63 |
$9.20 |
$8.67 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 30 |
$7.90 |
$7.63 |
$9.20 |
$8.67 |
$8.71 |
$8.45 |
$11.88 |
$11.22 |
| 31 |
$7.90 |
$7.63 |
$9.20 |
$8.67 |
$8.71 |
$8.54 |
$11.88 |
$11.44 |
| 32 |
$7.90 |
$7.66 |
$9.20 |
$8.71 |
$8.71 |
$8.54 |
$11.88 |
$11.44 |
| 33 |
$7.92 |
$7.66 |
$9.24 |
$8.71 |
$8.71 |
$8.54 |
$11.88 |
$11.44 |
| 34 |
$7.92 |
$7.68 |
$9.24 |
$8.76 |
$8.71 |
$8.54 |
$11.88 |
$11.44 |
| 35 |
$7.92 |
$7.68 |
$9.24 |
$8.76 |
$8.71 |
$8.54 |
$11.88 |
$11.44 |
| 36 |
$8.01 |
$7.74 |
$9.42 |
$8.89 |
$8.89 |
$8.71 |
$12.32 |
$11.88 |
| 37 |
$8.12 |
$7.83 |
$9.64 |
$9.06 |
$9.06 |
$8.80 |
$12.76 |
$12.10 |
| 38 |
$8.23 |
$7.92 |
$9.86 |
$9.24 |
$9.33 |
$8.98 |
$13.42 |
$12.54 |
| 39 |
$8.36 |
$8.01 |
$10.12 |
$9.42 |
$9.50 |
$9.24 |
$13.86 |
$13.20 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 40 |
$8.51 |
$8.12 |
$10.43 |
$9.64 |
$9.77 |
$9.42 |
$14.52 |
$13.64 |
| 41 |
$8.67 |
$8.25 |
$10.74 |
$9.90 |
$10.12 |
$9.68 |
$15.40 |
$14.30 |
| 42 |
$8.87 |
$8.38 |
$11.13 |
$10.16 |
$10.56 |
$9.94 |
$16.50 |
$14.96 |
| 43 |
$9.09 |
$8.54 |
$11.57 |
$10.47 |
$11.00 |
$10.30 |
$17.60 |
$15.84 |
| 44 |
$9.33 |
$8.71 |
$12.06 |
$10.82 |
$11.53 |
$10.65 |
$18.92 |
$16.72 |
| 45 |
$9.59 |
$8.89 |
$12.58 |
$11.18 |
$12.14 |
$11.09 |
$20.46 |
$17.82 |
| 46 |
$9.86 |
$9.06 |
$13.11 |
$11.53 |
$12.76 |
$11.53 |
$22.00 |
$18.92 |
| 47 |
$10.10 |
$9.24 |
$13.60 |
$11.88 |
$13.38 |
$11.88 |
$23.54 |
$19.80 |
| 48 |
$10.34 |
$9.42 |
$14.08 |
$12.23 |
$14.08 |
$12.32 |
$25.30 |
$20.90 |
| 49 |
$10.60 |
$9.61 |
$14.61 |
$12.63 |
$14.70 |
$12.76 |
$26.84 |
$22.00 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 50 |
$10.91 |
$9.81 |
$15.22 |
$13.02 |
$15.49 |
$13.29 |
$28.82 |
$23.32 |
| 51 |
$11.26 |
$10.05 |
$15.93 |
$13.51 |
$16.37 |
$13.90 |
$31.02 |
$24.86 |
| 52 |
$11.70 |
$10.32 |
$16.81 |
$14.04 |
$17.51 |
$14.52 |
$33.88 |
$26.40 |
| 53 |
$12.23 |
$10.65 |
$17.86 |
$14.70 |
$18.74 |
$15.31 |
$36.96 |
$28.38 |
| 54 |
$12.89 |
$11.02 |
$19.18 |
$15.44 |
$20.24 |
$16.10 |
$40.70 |
$30.36 |
| 55 |
$13.68 |
$11.46 |
$20.77 |
$16.32 |
$22.09 |
$17.16 |
$45.32 |
$33.00 |
| 56 |
$14.74 |
$12.03 |
$22.88 |
$17.47 |
$24.38 |
$18.48 |
$51.04 |
$36.30 |
| 57 |
$15.86 |
$12.63 |
$25.12 |
$18.66 |
$26.84 |
$19.80 |
$57.20 |
$39.60 |
| 58 |
$17.03 |
$13.24 |
$27.46 |
$19.89 |
$29.39 |
$21.21 |
$63.58 |
$43.12 |
| 59 |
$18.24 |
$13.90 |
$29.88 |
$21.21 |
$32.03 |
$22.62 |
$70.18 |
$46.64 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 60 |
$19.51 |
$14.56 |
$32.43 |
$22.53 |
$34.85 |
$24.11 |
$77.22 |
$50.38 |
| 61 |
$20.86 |
$15.27 |
$35.11 |
$23.94 |
$37.75 |
$25.70 |
$84.48 |
$54.34 |
| 62 |
$22.29 |
$15.99 |
$37.97 |
$25.39 |
$40.83 |
$27.37 |
$92.18 |
$58.52 |
| 63 |
$23.78 |
$16.76 |
$40.96 |
$26.93 |
$44.09 |
$29.13 |
$100.32 |
$62.92 |
| 64 |
$25.39 |
$17.58 |
$44.18 |
$28.56 |
$47.61 |
$30.98 |
$109.12 |
$67.54 |
| 65 |
$27.08 |
$18.44 |
$47.56 |
$30.27 |
$51.30 |
$32.91 |
$118.36 |
$72.38 |
| 66 |
$30.84 |
$20.53 |
$55.09 |
$34.45 |
$59.14 |
$37.66 |
$137.94 |
$84.26 |
| 67 |
$34.78 |
$22.73 |
$62.96 |
$38.85 |
$67.32 |
$42.68 |
$158.40 |
$96.80 |
| 68 |
$38.90 |
$25.01 |
$71.19 |
$43.43 |
$75.94 |
$47.87 |
$179.96 |
$109.78 |
| 69 |
$43.25 |
$27.43 |
$79.90 |
$48.27 |
$85.01 |
$53.33 |
$202.62 |
$123.42 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 70 |
$47.85 |
$29.99 |
$89.10 |
$53.37 |
$94.51 |
$59.14 |
$226.38 |
$137.94 |
| 71 |
$52.71 |
$32.69 |
$98.82 |
$58.78 |
$104.63 |
$65.30 |
$251.68 |
$153.34 |
| 72 |
$57.90 |
$35.55 |
$109.21 |
$64.50 |
$115.37 |
$71.90 |
$278.52 |
$169.84 |
| 73 |
$63.45 |
$38.63 |
$120.30 |
$70.66 |
$126.81 |
$78.85 |
$307.12 |
$187.22 |
| 74 |
$63.39 |
$41.91 |
$132.18 |
$77.22 |
$139.04 |
$86.33 |
$337.70 |
$205.92 |
| 75 |
$75.79 |
$45.43 |
$144.98 |
$84.26 |
$152.24 |
$94.42 |
$370.70 |
$226.16 |
|
Rates are guaranteed for term of policy.
Rates are subject to underwriting guidelines set forth by the
company. |
| |
| - Smoker Rates - |
| Smoker Rates (10 Year Term) |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 20 |
$9.33 |
$8.69 |
$12.06 |
$10.78 |
$15.66 |
$13.20 |
$29.26 |
$23.10 |
| 21 |
$9.33 |
$8.69 |
$12.06 |
$10.78 |
$15.66 |
$13.20 |
$29.26 |
$23.10 |
| 22 |
$9.33 |
$8.69 |
$12.06 |
$10.78 |
$15.66 |
$13.20 |
$29.26 |
$23.10 |
| 23 |
$9.33 |
$8.69 |
$12.06 |
$10.78 |
$15.66 |
$13.20 |
$29.26 |
$23.10 |
| 24 |
$9.33 |
$8.69 |
$12.06 |
$10.78 |
$15.66 |
$13.20 |
$29.26 |
$23.10 |
| 25 |
$9.33 |
$8.69 |
$12.06 |
$10.78 |
$15.66 |
$13.20 |
$29.26 |
$23.10 |
| 26 |
$9.37 |
$8.73 |
$12.14 |
$10.87 |
$15.75 |
$13.29 |
$29.48 |
$23.32 |
| 27 |
$9.44 |
$8.78 |
$12.28 |
$10.96 |
$15.84 |
$13.38 |
$29.70 |
$23.54 |
| 28 |
$9.48 |
$8.82 |
$12.36 |
$11.04 |
$15.93 |
$13.46 |
$29.92 |
$23.76 |
| 29 |
$9.55 |
$8.89 |
$12.50 |
$11.18 |
$16.02 |
$13.55 |
$30.14 |
$23.98 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 30 |
$9.59 |
$8.93 |
$12.58 |
$11.26 |
$16.02 |
$13.64 |
$30.14 |
$24.20 |
| 31 |
$9.66 |
$8.98 |
$12.72 |
$11.35 |
$16.10 |
$13.73 |
$30.36 |
$24.42 |
| 32 |
$9.72 |
$9.04 |
$12.85 |
$11.48 |
$16.19 |
$13.90 |
$30.58 |
$24.86 |
| 33 |
$9.77 |
$9.09 |
$12.94 |
$11.57 |
$16.28 |
$13.99 |
$30.80 |
$25.08 |
| 34 |
$9.83 |
$9.13 |
$13.07 |
$11.66 |
$16.37 |
$14.08 |
$31.02 |
$25.30 |
| 35 |
$9.90 |
$9.20 |
$13.20 |
$11.79 |
$16.46 |
$14.17 |
$31.24 |
$25.52 |
| 36 |
$10.19 |
$9.37 |
$13.77 |
$12.14 |
$17.25 |
$14.78 |
$33.22 |
$27.06 |
| 37 |
$10.49 |
$9.59 |
$14.39 |
$12.58 |
$18.13 |
$15.49 |
$35.42 |
$28.82 |
| 38 |
$10.85 |
$9.83 |
$15.09 |
$13.07 |
$19.10 |
$16.28 |
$37.84 |
$30.80 |
| 39 |
$11.22 |
$10.08 |
$15.84 |
$13.55 |
$20.24 |
$17.25 |
$40.70 |
$33.22 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 40 |
$11.66 |
$10.36 |
$16.72 |
$14.12 |
$21.47 |
$18.22 |
$43.78 |
$35.64 |
| 41 |
$12.12 |
$10.67 |
$17.64 |
$14.74 |
$22.88 |
$19.36 |
$47.30 |
$38.50 |
| 42 |
$12.65 |
$11.02 |
$18.70 |
$15.44 |
$24.46 |
$20.50 |
$51.26 |
$41.36 |
| 43 |
$13.22 |
$11.37 |
$19.84 |
$16.15 |
$26.31 |
$21.74 |
$55.88 |
$44.44 |
| 44 |
$13.84 |
$11.77 |
$21.08 |
$16.94 |
$28.25 |
$23.14 |
$60.72 |
$47.96 |
| 45 |
$14.50 |
$12.21 |
$22.40 |
$17.82 |
$30.54 |
$24.55 |
$66.44 |
$51.48 |
| 46 |
$15.16 |
$12.65 |
$23.72 |
$18.70 |
$32.91 |
$25.96 |
$72.38 |
$55.00 |
| 47 |
$15.77 |
$13.11 |
$24.95 |
$19.62 |
$35.20 |
$27.46 |
$78.10 |
$58.74 |
| 48 |
$16.41 |
$13.57 |
$26.22 |
$20.55 |
$37.66 |
$28.86 |
$84.26 |
$62.26 |
| 49 |
$17.07 |
$14.06 |
$27.54 |
$21.52 |
$40.30 |
$30.45 |
$90.86 |
$66.22 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 50 |
$17.80 |
$14.59 |
$29.00 |
$22.57 |
$43.12 |
$32.03 |
$97.90 |
$70.18 |
| 51 |
$18.63 |
$15.16 |
$30.67 |
$23.72 |
$46.29 |
$33.88 |
$105.82 |
$74.80 |
| 52 |
$19.60 |
$15.80 |
$32.60 |
$24.99 |
$49.90 |
$35.90 |
$114.84 |
$79.86 |
| 53 |
$20.77 |
$16.50 |
$34.94 |
$26.40 |
$53.94 |
$38.19 |
$124.96 |
$85.58 |
| 54 |
$22.15 |
$17.27 |
$37.71 |
$27.94 |
$58.52 |
$40.74 |
$136.40 |
$91.96 |
| 55 |
$23.78 |
$18.15 |
$40.96 |
$29.70 |
$63.80 |
$43.65 |
$149.60 |
$99.22 |
| 56 |
$25.92 |
$19.23 |
$45.23 |
$31.86 |
$70.31 |
$47.26 |
$165.88 |
$108.24 |
| 57 |
$28.14 |
$20.33 |
$49.68 |
$34.06 |
$77.09 |
$51.04 |
$182.82 |
$117.70 |
| 58 |
$30.45 |
$21.47 |
$54.30 |
$36.34 |
$84.04 |
$54.91 |
$200.20 |
$127.38 |
| 59 |
$32.87 |
$22.64 |
$59.14 |
$38.68 |
$91.34 |
$58.96 |
$218.46 |
$137.50 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 60 |
$35.38 |
$23.87 |
$64.15 |
$41.14 |
$98.91 |
$63.18 |
$237.38 |
$148.06 |
| 61 |
$38.02 |
$25.15 |
$69.43 |
$43.69 |
$106.83 |
$67.50 |
$257.18 |
$158.84 |
| 62 |
$40.77 |
$26.44 |
$74.93 |
$46.29 |
$115.10 |
$71.98 |
$277.86 |
$170.06 |
| 63 |
$43.67 |
$27.83 |
$80.74 |
$49.06 |
$123.82 |
$76.74 |
$299.64 |
$181.94 |
| 64 |
$46.73 |
$29.24 |
$86.86 |
$51.88 |
$132.88 |
$81.66 |
$322.30 |
$194.26 |
| 65 |
$49.94 |
$30.73 |
$93.28 |
$54.87 |
$142.47 |
$86.77 |
$346.28 |
$207.02 |
| 66 |
$55.51 |
$34.17 |
$104.41 |
$61.73 |
$161.13 |
$96.80 |
$392.92 |
$232.10 |
| 67 |
$61.27 |
$37.71 |
$115.94 |
$68.82 |
$180.49 |
$107.10 |
$441.32 |
$257.84 |
| 68 |
$67.28 |
$41.43 |
$127.95 |
$76.25 |
$200.64 |
$117.92 |
$491.70 |
$284.90 |
| 69 |
$73.55 |
$45.32 |
$140.49 |
$84.04 |
$221.67 |
$129.18 |
$544.28 |
$313.06 |
Monthly
Rate |
Issue
Age |
$25,000 |
$50,000 |
$100,000 |
$250,000 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 70 |
$80.08 |
$49.39 |
$153.56 |
$92.18 |
$243.76 |
$140.89 |
$599.50 |
$342.32 |
| 71 |
$86.94 |
$53.66 |
$167.29 |
$100.72 |
$266.99 |
$153.21 |
$657.58 |
$373.12 |
| 72 |
$94.14 |
$58.17 |
$181.68 |
$109.74 |
$291.37 |
$166.06 |
$718.52 |
$405.24 |
| 73 |
$101.71 |
$62.94 |
$196.81 |
$119.28 |
$317.06 |
$179.61 |
$782.76 |
$439.12 |
| 74 |
$109.69 |
$67.98 |
$212.78 |
$129.36 |
$344.26 |
$193.86 |
$850.74 |
$474.76 |
| 75 |
$118.14 |
$73.35 |
$229.68 |
$140.10 |
$373.12 |
$208.91 |
$922.90 |
$512.38 |
|
Rates are guaranteed for term of policy.
Rates are subject to underwriting guidelines set forth by the
company. |
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