Term Life Insurance Rates: 30 Year Old Male Non Smoker

Term life insurance is very affordable these days. How inexpensive can it be for a man, age 30? To show you how low it can be, I’m writing a series of blog posts showing the insurance companies with the lowest term life rates at different ages. Term life prices are lower today because of health care advances and people living longer. You should review your life insurance needs with your agent each year. If you purchased a term life policy a few years ago, it’s likely you can qualify for lower rates, or be able to get much more coverage than you have today for the same price. Here are five insurance companies with the best rates for a 20 year term life insurance policy with a $500,000 death benefit, over four health classes, for a thirty year old male non-smoker.

Hopefully, if you have been discouraged from buying life insurance because you think it’s too expensive for you, this blog entry will change your mind about it. I am always updating my blog & site, to give you important information to find the best policies and prices for car, home, and life insurance.

Bookmark or place my Website in your favorites, so you can use it the next time you have a question about insurance.

Male Age 30 Non Smoker Preferred Plus Rates

Banner Life Insurance Company = $21.44 Per Month or $245 Per Year

American General Life Insurance Company = $21.79 Per Month or $249 Per Year

Ohio National Life Assurance Corporation = $22.25 Per Month or $250 Per Year

ReliaStar Life Insurance Company (ING) = $22.14 Per Month or $253 Per Year

Savings Bank Life Insurance Company of Massachusetts = $22.19 Per Month or $255 Per Year

I found these term life rates through a term life insurance quote comparison engine ( There are many of these engines on the Web), and the prices, companies, or life insurance policies may not be available in your state.

The Preferred Plus rates offer the lowest price, and they are for individuals in exceptional health. So, if you are in superior health — because you eat right, exercise, and maintain a healthy weight — these are the prices you pay, right? This is not necessarily the case.

With auto & home insurance, agents often qualify you for the rates you will pay at the time you call for a quote, apply, and start the coverage with your first payment. Getting life insurance is a different process.

With life insurance, a good agent will estimate the price you should pay based on your health questions the agent asks you. Then, you complete and submit an application to the insurance company for acceptance.

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

You may think you 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. Your life insurance policy will get issued at a higher price, due to the paramedic exam results.

With auto & home insurance, it’s not hard to shop based on price through the Internet. With life insurance, it is difficult to know the best term life insurance rates for you before your application is accepted. It’s best to contact a few agents for price quotes, rather than trying to get quotes online by yourself.

Observe how the competitive positions change for the insurance companies, if you qualify for Preferred rates, instead of Preferred Plus rates:

Male Age 30 Non Smoker Preferred Rates

MTL Insurance Company = $27.52 Per Month or $320 Per Year

Banner Life Insurance Company = $28.44 Per Month or $325 Per Year

American General Life Insurance Company = $28.79 Per Month or $329 Per Year

Ohio National Life Assurance Corporation = $29.37 Per Month or $330 Per Year

Savings Bank Life Insurance Company of Massachusetts = $29.15 Per Month or $335 Per Year

See how Banner, at $245 a year, has the lowest annual premium at the Preferred Plus rate class? But if you applied, and your policy is issued at the Preferred class, Banner is no longer the least expensive annual premium. MTL Insurance has the lowest annual premium, at $320 a year, for the Preferred rate class.

Should you have applied to MTL instead, when you don’t think you will qualify for Preferred Plus rate class? Maybe not, because each insurance company has its own criteria for health class placement.

For example, you may qualify for Preferred Plus rates with American General Life Insurance Company at $249 a year, but only the Preferred rates with Banner. Instead of paying $245 for the Banner Preferred Plus rate class, the policy is issued at the $325 annual premium for the Preferred rates.

A good agent will try to quote you accurately, based on the health class you should qualify for with each company. Trying to figure out what you will pay on your own, and getting accurate term life insurance price quotes by yourself, without assistance from a competent agent, is really not possible.

Male Age 30 Non Smoker Standard Plus Rates

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Savings Bank Life Insurance Company of Massachusetts = $34.37 Per Month or $395 Per Year

Metlife Investors USA Insurance Company = $35.91 Per Month or $399 Per Year

Banner Life Insurance Company = $35.00 Per Month or $400 Per Year

American General Life Insurance Company = $35.35 Per Month or $404 Per Year

Ohio National Life Assurance Corporation = $36.05 Per Month or $405 Per Year

You may notice the least expensive term life insurance companies in each health class have rates fairly close in price to each other, but there is a bigger difference in price between health classes.

For example, American General Life Insurance Company is $21.79 a month in the Preferred Plus category, $28.79 a month for the Preferred class, $35.35 for the Standard Plus class, and $41.91 a month for the Standard class.

This is why it’s best to use an experienced life insurance agent willing to work for you, because you can’t find the best-priced term life policy for you without one. This is different than my advice about shopping for car & home insurance, where it’s not difficult to shop for accurate price quotes, and find the best rates on your own.

A good agent will quote you an accurate term life quote, based on the health category for which you will qualify, at a competitive price. A good agent asks you questions and uses their knowledge of the guidelines for the various insurance companies the agent represents. A good agent considers you, your health, your family’s health history, & your habits. when quoting you an accurate price and recommending an insurance company’s product.

A bad agent quotes everyone preferred rates, or low rates they may not be likely to qualify for, after asking you too few questions. A bad or inexperienced agent wants you to apply based on the lowest 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 four of these health classes 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 obese people.

Male Age 30 Non Smoker Standard Rates

Savings Bank Life Insurance Company of Massachusetts = $38.72 Per Month or $445 Per Year

Ohio National Life Assurance Corporation = $41.39 Per Month or $465 Per Year

MTL Insurance Company = $40.85 Per Month or $475 Per Year

American General Life Insurance Company = $41.91 Per Month or $479 Per Year

Genworth Life & Annuity Insurance Company = $42.29 Per Month or $499.80 Per Year

It pays to shop with different agents. Here are five life insurance companies, including some very well-known brands, with more expensive standard term life insurance rates for a 30 year old male non-smoker:

New York Life Insurance Company = $46.80 Per Month or $525 Per Year

EMC National Life Company = $50.29 Per Month or $565 Per Year

United of Omaha Life Insurance Company (Mutual of Omaha) = $55.85 Per Month or $627.50 Per Year

American National Insurance Company = $59.18 Per Month or $685 Per Year

Pruco Life Insurance Company (Prudential) = $65.70 Per Month or $730 Per Year

A 20 year term life insurance policy at standard rates can be as low as $445 a year or as expensive as $730 or more a year.

If you want low term life insurance rates, a good policy, and a smooth process getting the coverage you need, comparison shop with several agents, so you can find a good agent offering the best life insurance options for you at a competitive price. Term life insurance is affordable, and a good agent can make getting it easy for you.

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.