Any ideas for a 30 year old male and female (listed separately) at the standard health rate?
It depends on the life insurance companies. Rates are determined based on your health and physical factors, age, and total coverage.
Factors affecting your rate for life insurance may also include your age, gender, health, family health history, occupation, hobbies, driving record, if you smoke or not, your height-to-weight ratio, etc.
Here are samples of the 4 different rate classes for a 30 year old person for a 30 year level term life insurance policy offering $250,000 of coverage:
Preferred Plus: $221/year
Preferred: $269.50/year
Non-Tobacco User: $409.50/year
Tobacco User: $595.50/year
One way to compare the lowest rates for level term life insurance is to request instant term life insurance quotes online. That way you receive up to 12 of the lowest rates for term life insurance from over 70 leading insurance companies.
It only takes a few minutes to fill out a quote request form and receive your free, no obligation life insurance quote comparisons on the internet.
Insurance without any Medical Exam,
Just a Few Health Questions.
