Term Life Insurance Rates: 41 Year Old Female Non Smoker

Many people do not know Term life insurance is affordable for almost everyone’s budget. How affordable is it for a woman, age 41? Term life insurance rates continue to drop in price, as people live longer, medical care gets better, and by the competition among life insurance companies. If you bought term life insurance in the past, you probably now can get a better rate, or you can purchase a larger death benefit for what you are currently paying. To show you how inexpensive term life insurance is for most people, I’m writing about the companies with the best term life rates at various ages, for 4 different health classes. See below for the 5 companies with low rates for a 20 year term life insurance policy with a $300,000 death benefit, for a forty one year old female non-smoker.

Hopefully, if you haven’t thought about purchasing life insurance because you think it’s too costly, this blog will change your mind about buying it. If you don’t have the money in your budget now to afford even these rates, you can still pay less by selecting a smaller death benefit. Term Life insurance can fit any budget.

The purpose of my website is to help you get 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, the next time you have a question about insurance. Also, saving money on your car or home insurance may help you find the money to buy the life insurance coverage you need.

Female Age 41 Non Smoker Preferred Plus Rates

Ohio National Life Assurance Corporation = $19.94 Per Month or $224 Per Year

Savings Bank Life Insurance Company of Massachusetts = $19.58 Per Month or $225 Per Year

Banner Life Insurance Company = $19.86 Per Month or $227 Per Year

Cincinnati Life Insurance Company = $21.12 Per Month or $240 Per Year

Minnesota Life Insurance Company = $21.65 Per Month or $246 Per Year

I calculated the term life rates in this blog using a term life insurance quote comparison engine. There are lots of term life quote engines are available on the Internet. The prices, companies, or policies may not be available in your state.

The Preferred Plus class rates have the best price, and they’re for people in great health. So, if you are sure you are in excellent health — by eating right, exercising daily, & watching your weight — these are the prices you will pay? This may not be what happens when your life insurance policy is issued.

When you buy other types of insurance, like property insurance, agents determine the rate you will pay when the agent quotes you. Getting term life insurance works differently.

If you apply for a term life insurance policy, agents estimate the rate you should pay, based on the answers to the health questions the agents ask. An agent helps you complete the application, & the agent sends it to the insurance company for approval.

The insurance company reviews your application, & asks for any additional information needed to decide to insure you, like your health insurance records. The insurance company requests you take a physical exam. An appointment is made with a paramedic or nurse to visit you at your home or work, & give you a physical examination. All of this is needed to determine if the company wants to accept your application, & confirm the proper rate to charge you, if your application is approved.

You might anticipate to qualify for the lowest price when you apply. However, unknown to you, it’s determined you are genetically inclined to have higher cholesterol than a normal person in great health. This discovery causes your term life insurance policy to be issued at a more expensive rate, because of the results of your paramedical examination.

When shopping to buy term life insurance, it’s not possible to be absolutely certain of the price you’ll pay before your application is accepted by the insurance company.

The rates below show you how the life insurance companies with the best price changes, if you qualify for Preferred health rates, instead of the Preferred Plus health rates:

Female Age 41 Non Smoker Preferred Rates

Savings Bank life Insurance Company of Massachusetts = $21.66 Per Month or $249 Per Year

Ohio National Life Assurance Corporation = $24.74 Per Month or $278 Per Year

Banner Life Insurance Company = $24.85 Per Month or $284 Per Year

Genworth Life Insurance Company = $24.94 Per Month or $294.95 Per Year

American General Life Insurance Company = $26.08 Per Month or $298 Per Year

Ohio National Life Assurance Corp. has the lowest yearly premium for the Preferred Plus health rates, at $224. But if you applied, and your policy is issued at the Preferred health rates instead, Ohio National is no longer the least expensive, at $278 a year for its Preferred health rates. Savings Bank Life Insurance Company of MA has the lowest yearly premium for the Preferred health rates, at $249. Wouldn’t it be better to apply to Savings Bank, if you know you will not qualify for Preferred Plus health rates? Maybe not, because each life insurance company has its own criteria for putting you in a health rating class.

For example, you may qualify for Preferred Plus health rates with Cincinnati Life Insurance Company at $240 a year, but only Preferred health rates with Banner Life Insurance Company, at $284 a year, instead of Banner’s Preferred Plus health rates at $227 a year.

Female Age 41 Non Smoker Standard Plus Rates

Savings Bank Life Insurance Company of Massachusetts = $30.54 Per Month or $351 Per Year

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Ohio National Life Assurance Corporation = $31.68 Per Month or $356 Per Year

Genworth Life Insurance Company = $30.23 Per Month or $357.29 Per Year

Banner Life Insurance Company = $31.94 Per Month or $365 Per Year

American General Life Insurance Company = $32.38 Per Month or $370 Per Year

Notice how the lowest priced companies for each health class are close in price to each other? There’s a greater difference in the rates between the health classes.

For example, Ohio National Life Assurance Corp. is $19.94 a month for the Preferred Plus health rates, $24.74 a month for the Preferred health rates, $31.68 a month for the Standard Plus health rates, and $38.63 a month for the Standard health rates.

This is why it’s an excellent idea to select an experienced life insurance agent, focused on serving your needs. A good life agent asks you questions, and works to give you the lowest accurate term life insurance quote, based on the agent’s knowledge of the underwriting guidelines for all the life insurance company(ies) the agent represents. A good life insurance agent asks questions about you & your family’s needs, values & goals, your health, your family’s health history, and your habits.

Be careful to avoid agents quoting everybody the lowest possible price, after asking almost no questions. This type of life insurance agent wants to sell you a life insurance policy based on a low ball price. When your policy is issued by the insurance company, at the price you actually qualify for, the agent will apologize for the much higher rate, & try to convince you it’s the best price you can get, so you will pay it.

See below for the life insurance companies with the lowest Standard health rates. All of the health classes discussed in this blog are for healthy people. What about people having a medical condition, or people 15 pounds over weight? A good agent knows the insurance companies with the best rates for different health conditions, such as diabetes, or folks with a few extra pounds — or a whole lot more than a few extra pounds.

Female Age 41 Non Smoker Standard Rates

Savings Bank Life Insurance Company of MA = $37.32 Per Month or $429 Per Year

Ohio National Life Assurance Corporation = $38.63 Per Month or $434 Per Year

Protective Life Insurance Company = $37.31 Per Month or $442.14 Per Year

ReliaStar Life Insurance Company (ING) = $38.76 Per Month or $443 Per Year

Genworth Life Insurance Company = $37.72 Per Month or $445.95 Per Year

The companies displayed above have competitive term life rates for this particular death benefit amount, age, sex, & health rating class. However, many life insurance companies, some being popular brand names, have more expensive rates for their term life insurance. See below the Standard health rates for some of these more expensive companies, for a woman, age 41, non-smoker:

Transamerica Life Insurance Company = $39.80 Per Month or $471 Per Year

Metlife Investors USA Insurance Company = $43.74 Per Month or $486 Per Year

Aviva Life & Annuity Insurance Company = $45.92 Per Month or $516 Per Year

Guardian Life Insurance Company of America = $49.95 Per Month or $582 Per Year

Sagicor Life Insurance Company = $56.55 Per Month or $628.30 Per Year

If you’re in excellent health, you may pay as little as $224 a year if you qualify for Preferred Plus health rates. If you qualify only for each life insurance company’s Standard health rates, you could pay as little as $429 a year, or as much as $628.30 or more a year for the same $300,000 death benefit. No individual life insurance company has the lowest prices for everybody.

If you want a great price for term life insurance, & the right type of coverage for you & your family, comparison shop with a few life insurance agents, so you can select an agent offering you the best life insurance options at a competitive price. People can afford a term life insurance policy, & 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.