Did you know Term life insurance is very affordable? How low in price can it be for a woman, age 30? Women usually qualify for cheaper rates than men! Term life insurance rates continue to decrease, as people continue to live longer, and people receive better health care. You may have bought term life a while ago, but now you may be able to qualify for lower rates, or you can get much more coverage for the same price as you are currently paying. To illustrate how inexpensive term life insurance can be, I’m writing a blog series about insurance companies with the lowest rates for term life policies at various ages. Here are five companies with low prices for a 20 year term life insurance policy with a $500,000 death benefit, over 4 health categories, for a thirty year old female non-smoker. I try to make it simple for you to find a good life insurance company.
Hopefully, if you’ve been discouraged from shopping for a term life insurance policy because you think you can’t afford it, this blog entry 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 30 Non Smoker Preferred Plus Rates
I was able to get these term life rates through a term life quote comparison engine (Many of these quote engines can be located on the Internet), & these rates, companies, or policies may not be available in your state.
The Preferred Plus class gives you the best prices, & they are for individuals in top=notch health. So, if you are sure you are in excellent health — by eating properly, getting enough exercise, & keeping a healthy weight — these are the rates you will pay, right? This may not be the situation.
With car & property insurance, agents usually qualify you for the rate you will pay at the time you get a quote, and you start coverage with your 1st payment. Getting life insurance works is a lot different.
When you make the decision to purchase life insurance, a good agent will estimate the price you should pay based on the answers you give to the health questions the agent asks you. Then, you complete & submit an application to the insurance company.
The company evaluates 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 best rates at the time you apply. 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 not as hard to shop based on price, and easy to do it over the Internet. With life insurance, it’s not possible to know the lowest term life insurance rates for you, before your application is accepted.
See how the company with the best price changes, if you qualify for Preferred rates, instead of Preferred Plus rates:
Female Age 30 Non Smoker Preferred Rates
Royal Neighbors has the lowest annual premium for the Preferred Plus category at $215. But if you applied, and your policy is issued at the Preferred class rate, Royal Neighbors is not one of the 5 insurance companies with the best rates for the Preferred class. Savings Bank Life Insurance Company of MA has the lowest annual premium for the Preferred class at $250. Should you have applied to Savings Bank, if you think you won’t qualify for the Preferred Plus health class? Maybe not, because each insurance company has its own rules for health class placement.
For example, you may qualify for Preferred rates with ReliaStar at $23.45 a month, but only the Standard Plus rates with Ohio National Life Assurance Corp. at $28.93 a month, instead of Ohio National’s Preferred health class pricing at $23.14 a month.
Female Age 30 Non Smoker Standard Plus Rates
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Notice how the top life insurance companies in each health rate class have prices close in price to each other, but there is a bigger difference in the rates among the health categories?
For example, Ohio National is $19.14 a month for the Preferred Plus category, $23.14 a month in the Preferred category, and $29.37 a month for the Standard Plus class, & $33.82 a month for the Standard health rate class.
This is why it’s a very good idea to use an experienced agent interested in serving your needs, because you can’t find the best term life rates for you without one.
A good agent will quote you an accurate term life quote at a competitive price, based on the agent’s knowledge of the underwriting guidelines of each life insurance company, considering your needs, 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.
The rates below are for the Standard health category. All four of these categories are for healthy people. What if you have a minor medical condition, or you are are 20 pounds over weight? A good agent knows the insurance companies with the best rates for certain health conditions, such as diabetes, or over-weight people.
Female Age 30 Non Smoker Standard Rates
The companies noted above have competitive term life rates for this age, sex, and health category. But quite a few insurance companies, some with well known brands, charge more expensive rates for their term life insurance. Check out these companies’ standard rates for a woman, age 30, non-smoker:
If you qualify for each insurance company’s standard term life rates, you could pay as little as $345 a year or as much as $582.50 or more a year for the same $500,000 death benefit.
If you want low term life insurance rates, a good policy, and a smooth process buying the coverage you need, comparison shop with a few agents, so you can find an 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.