Term Life Insurance Rates: 24 Year Old Female Non Smoker

Term life insurance is affordable for everyone. How low can it be for a woman, age 24? The prices are lower than the rates for men! Term life insurance rates keep continuing to drop in price. You may have bought term life a few years ago, but now you may be able to qualify for lower rates, or you cam buy much more coverage for the same price you pay now. To show you how inexpensive it can be, I’m writing a series of posts about insurance companies with the best rates for term life policies at various ages. Here are 5 life insurance companies with the best rates for a 20 year term life insurance policy with a $500,000 death benefit, over 4 health categories, for a twenty-four year old female non-smoker. Find a good life insurance policy today.

Hopefully, if you have been discouraged from buying life insurance because you think you can’t afford it, this information will change your mind. My Website helps you find the best rates & policies for auto, home, & life insurance, so bookmark or place my site in your favorites for you to use at your convenience.

Female Age 24 Non Smoker Preferred Plus Rates

Royal Neighbors of America = $16.25 Per Month or $195 Per Year

American General Life Insurance Company = $18.29 Per Month or $209 Per Year

Savings Bank Life Insurance Company of Massachusetts = $18.71 Per Month or $215 Per Year

Banner Life Insurance Company = $18.81 Per Month or $215 Per Year

Ohio National Life Assurance Corporation = $19.14 Per Month or $215 Per Year

I located these term life price quotes through a term life insurance quote comparison engine (many of these are available on the Web), & these prices, companies, or policies may not be available in your state.

The Preferred Plus prices are the lowest rates, and they are for people in exceptional health. So, if you are in extremely good health — you eat right, exercise, & maintain a healthy weight — these are the rates you will pay, right? Not necessarily.

With auto & home insurance, agents usually qualify you for the rates you will pay at the time of application, and you start coverage with your first payment. Life insurance works differently.

When you decide to get life insurance, a competent agent will estimate the price you should pay based on the answers you give to the health questions, then you complete & submit an application to the insurance company.

The insurance company reviews your application, orders additional information, like a paramedical exam ( A paramedic meets with you, gives you a health exam, and takes your blood), to determine if they want to insure you, and the price to charge you if you are accepted.

You may seem to qualify for the lowest Preferred Plus rates at the time of application, but for example, you may be genetically predisposed to higher cholesterol than a normal, very fit person, and the policy will get issued at a higher rate, due to the paramedic exam results.

With auto & home insurance, it’s easy to shop based on price. With life insurance, it is close to impossible to know the best term life insurance rates for you before your application is accepted.

Look how the company with the lowest price changes, if you qualify for Preferred rates, instead of Preferred Plus rates:

Female Age 24 Non Smoker Preferred Rates

Royal Neighbors of America = $20.00 Per Month or $240 Per Year

Savings Bank life Insurance Company of Massachusetts = $21.75 Per Month or $250 Per Year

Assurity Life Insurance Company = $22.00 Per Month or $250 Per Year

American General Life Insurance Company = $22.23 Per Month or $254 Per Year

Banner Life Insurance Company = $22.31 Per Month or $255 Per Year

Please see how Royal Neighbors of America has the lowest monthly premium for the Preferred Plus & Preferred class rates. But if you applied, and your policy is issued at the Standard Plus class rate, Royal Neighbors isn’t among the 5 insurance companies with the lowest rates for the Standard Plus class, as you can see below. It turns out, Assurity has the lowest Standard Plus rates. Should you apply to Assurity, if you think you can’t qualify for Preferred rates? Maybe not, because each life insurance company has its own criteria for health class placement.

For example, you may qualify for Preferred with American General at $22.23 a month, but only the Standard Plus rates with Savings Bank Life Insurance Company of MA at $28.71 a month, instead of Savings Bank’s Preferred health class pricing at $21.75 a month.

Female Age 24 Non Smoker Standard Plus Rates

Assurity Life Insurance Company = $24.64 Per Month or $280 Per Year

Banner Life Insurance Company = $27.56 Per Month or $315 Per Year

MTL Insurance Company = $27.95 Per Month or $325 Per Year

Ohio National Life Assurance Corporation = $28.93 Per Month or $325 Per Year

Savings Bank Life Insurance Company of Massachusetts = $28.71 Per Month or $330 Per Year

Please take note the top term life insurance companies in each health category usually have rates close in price to each other, but there is a larger difference in price among the health classes.

For example, Ohio National Life is $19.14 a month in the Preferred Plus category, too expensive, at $23.14 a month, to be in the 5 best priced companies in the Preferred category, and $28.93 a month for the Standard Plus rate class, and $31.60 for the Standard health class.

This is why it’s a good idea to use a competent agent, because you can’t find the best priced term life policy for you without one. This is different than my advice about shopping for auto & home insurance, where consumers can easily shop based on price.

A good agent will quote you an accurate term life quote at a competitive price, based on the agent’s knowledge of the guidelines of each life insurance company, and your health, your family’s health history, & your habits.

A bad agent quotes everyone preferred rates, or low rates they are not likely to qualify for, after asking you too few questions. This type of agent wants you to apply based on the low price, then they will explain & apologize for the much higher rate when the policy is issued, hoping you will pay it.

Look at these rates below for the Standard health category. All 4 of these categories are for healthy people. What if you have a minor medical condition, or you are overweight? A good agent knows the insurance companies with the best rates for certain health conditions, such as diabetes, or hefty people.

Female Age 24 Non Smoker Standard Rates

Assurity Life Insurance Company = $24.64 Per Month or $280 Per Year

MTL Insurance Company = $27.95 Per Month or $325 Per Year

Royal Neighbors of America = $28.34 Per Month or $340 Per Year

Ohio National Life Assurance Corporation = $31.60 Per Month or $355 Per Year

Cincinnati Life Insurance Company = $32.12 Per Month or $365 Per Year

All 5 of these companies have low, competitive term life rates. But many insurance companies, some with known brand names, charge more expensive rates for their term insurance. Take a look at these companies standard rates for a woman, age 24, non-smoker:

Genworth Life & Annuity Insurance Company = $33.61 Per Month or $397.84 Per Year

Banner Life Insurance Company = $35.88 Per Month or $410 Per Year

Pruco Life Insurance Company (Prudential) = $45.45 Per Month or $505 Per Year

United of Omaha Life Insurance Company (Mutual of Omaha) = $49.84 Per Month or $560 Per Year

Pacific Life Insurance Company = $50.85 Per Month or $565 Per Year

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Have you looked at term life insurance rates lately? Why not? Tell me about it. Please leave a comment on my facebook page. Or, you can e-mail me at help@smartshopyourcarinsurance.com if you have questions and would like my help. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.