Term life insurance is affordable for every person’s budget. How affordable is it for a woman, age 39? Term life insurance continues to reduce in price, as people live longer lives, medical care keeps gets better, & by the competition among life insurance companies. If you bought term life insurance a few years ago, you probably can get a lower price, or you can buy a larger death benefit for what you are paying now. To show you how affordable term life insurance can be for most people, I’m writing about the companies with the best term life rates at certain ages, for four different health classes. See below for the 5 companies with the best rates for a 20 year term life insurance policy with a $350,000 death benefit, for a thirty-nine year old female non-smoker.
Hopefully, if you haven’t thought about buying life insurance because you think it’s too expensive, this article will change your mind about buying it. If you don’t have the money in your budget now to afford these low rates, you can still pay less by selecting a smaller death benefit. Term Life insurance rates can fit any budget.
The purpose of my website is to help you find great prices & policies for auto, property (home, renters, mobile home), & life insurance, so bookmark or place my site in your favorites, for you to use at your convenience. Saving money on your auto or home insurance may help you find the money to buy the life insurance coverage you need.
Female Age 39 Non Smoker Preferred Plus Rates
I calculated the term life insurance rates in this blog post using a term life insurance quote comparison engine — lots of term life quote engines are available on the Internet — and the prices, companies, or policies may not be available in your state.
The Preferred Plus rates have the lowest price, and they’re for people in the best health. So, if you’re sure you are in excellent health — you eat right, exercise daily, & watch your weight — these are the rates you will pay? This may not be what happens when your life insurance policy is approved & issued.
When you buy other types of insurance, like automobile insurance, agents determine the rate you will pay when they quote you. Applying for term life insurance works differently.
When you apply for a term life insurance policy, agents estimate the price you should pay, based on the answers to the health questions the agents will ask you. An agent helps you complete the life insurance application, and the agent sends it to the insurance company for approval.
The insurance company evaluates the application, and asks for any additional information needed, like your health insurance records, and requests you take a physical exam. An appointment is set for a paramedic or nurse to visit you at your home or work, give you a physical, and take your blood. All of this is needed to determine if the company wants to accept your application, & confirm the proper rate to charge you, if you are accepted.
You may anticipate to qualify for the lowest price when you apply. However, unknown to you, it is determined you are genetically inclined to have higher cholesterol than a normal, extremely healthy person. This discovery causes your life insurance policy to be issued at a more expensive rate, because of the results of your paramedical exam.
When shopping to buy term life insurance, it is not possible to be absolutely certain of the price you’ll pay before your application is accepted by the life insurance company.
The prices below show you how the life insurance companies with the best prices change, if you qualify for Preferred rates, instead of the Preferred Plus rates:
Female Age 39 Non Smoker Preferred Rates
Ohio National Life Assurance Corp. has the lowest yearly premium for the Preferred Plus rates, at $212. But if you applied, and your policy is issued at the Preferred rates instead, Ohio National is no longer the least expensive, at $275 a year for its Preferred rates. Savings Bank Life Insurance Company of MA has the lowest annual premium for the Preferred rates, at $238.50. Wouldn’t it be better to apply to Savings Bank Life, if you know you’ll not qualify for Preferred Plus rates? Maybe not, because each insurance company has its own rules for putting you in a health rate class.
For example, you may qualify for Preferred Plus rates with Minnesota Life Insurance Company at $242 a year, but only Preferred rates with Banner Life Insurance Company, at $282 a year, instead of Banner’s Preferred Plus rates at $222.50 a year.
Female Age 39 Non Smoker Standard Plus Rates
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See how the lowest priced companies for each rate class are close in price to each other? There’s a greater price difference in the rates between the classes.
For example, Ohio National Life Insurance is $18.87 a month for the Preferred Plus rates, $24.48 a month for the Preferred rates, $31.33 a month for the Standard Plus rates, & $38.49 a month for the Standard rates.
This is why it’s very wise to select an experienced agent, focused on serving your needs. A good agent asks you questions, & works to give you an accurate term life insurance quote at a competitive price, based on the agent’s knowledge of the underwriting criteria for all the life insurance company(ies) the agent represents. A good agent asks questions about you & your family’s needs, values & goals, your health, your family’s health history, and your habits.
Be careful of agents quoting everybody the lowest possible price, after asking too few questions. This type of agent wants to sell you an insurance policy based on a low ball price. When your life insurance policy is issued by the company, at the price you actually qualify for, the agent will apologize for the much higher price, & try to convince you it’s the best price you can get, so you will pay it.
See below for the best priced life insurance companies for Standard rates. All of the rate classes discussed in this blog entry are for healthy people. What if you have a medical condition, or you’re 35 pounds over-weight? A good agent knows the insurance companies with the best prices for certain health conditions, such as diabetes, or people with a few extra pounds — or a whole lot more.
Female Age 39 Non Smoker Standard Rates
The companies shown above have competitive term life rates for this particular death benefit amount, age, sex, & health rate class. However, many insurance companies, some being big brand names, have expensive rates for their term life insurance. See below the standard rates for some of these more expensive companies, for a woman, age 39, non-smoker:
If you’re in excellent health, you may pay as little as $212 a year if you qualify for Preferred Plus rates. If you qualify only for each life insurance company’s Standard rates, you could pay as little as $432.50 a year, or as much as $652.50 or more a year for the same $350,000 death benefit. No individual life insurance company has the best prices for everybody.
If you want great term life insurance rates, & the right type of coverage for you & your family, comparison shop with a few agents, so you can select an agent offering you the best life insurance options at a competitive price. People can afford term life insurance, & a good agent can make getting it a simple process 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.