Term Life Insurance Rates: 44 Year Old Male Non Smoker

Term life insurance is affordable now more than ever. How much can term life insurance be for a man, age 44? I want to show you how term life insurance can fit any person’s budget, so I’m writing a series of blog articles about the insurance companies with the lowest term life rates at a selection of ages. Term life continues to reduce in price because of advancements in medical care, insurance company competition, and because people are living longer lives. You should review your life insurance needs once a year, to see if you still have enough coverage, & to see if you can get a better deal. If you purchased a term life policy several years ago, it is likely you can get a better price now, or you can buy more coverage for what you now pay. In this blog post, I tell you about 5 companies with the lowest term life rates for a twenty year term life insurance policy with a $300,000 death benefit, for 4 different health classes, for a forty four year old male non-smoker.

Hopefully, if you have not shopped around for term life insurance because you think it’s too much money, the information I provide you in this blog post will change your mind. I’m always updating my blog & website, to help you find the best policies & prices for car, house, & life insurance.

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

Male Age 44 Non Smoker Preferred Plus Rates

Savings Bank Life Insurance Company of Massachusetts = $31.06 Per Month or $357 Per Year

Banner Life Insurance Company = $31.41 Per Month or $359 Per Year

Genworth Life Insurance Company = $30.88 Per Month or $365.12 Per Year

American General Life Insurance Company = $32.64 Per Month or $373 Per Year

North American Company for Life & Health = $32.73 Per Month or $374 Per Year

I got the term life rates shown in this blog article by using a term life insurance quote comparison engine (Many term life quote engines can be found on the Internet), & the prices, companies, or life insurance policies may not be available in your state.

The Preferred Plus rate category offers you the best rates, and it’s for people in outstanding health. Does this mean, if you’re in very good health — by eating a balanced diet, getting plenty of exercise, & watching your weight — these will be the rates you’ll pay? This may not always be the case.

With something like automobile insurance, insurance companies qualify you for the rate you’ll pay when you contact them for a price quote, or when you begin the coverage with your first payment. Qualifying to purchase life insurance is different.

When you seek to get life insurance, an agent figures the price you should pay, based on the answers to the questions the agent asks you. The agent helps you complete and submit your life insurance application to the insurance company for approval.

The life insurance company reviews your application, and gets more information about you, like your medical records, it needs to decide to insure you. The company requires you to take a physical exam. A paramedic meets with you & gives you a physical exam, & takes your blood sample. The insurance company uses all the information it gathers about you to determine if you qualify for their life insurance, & the proper rate to charge you if you are approved.

You might assume you’ll qualify for the Preferred Plus rate category at the time you send in your application. However, it may be revealed by the physical, you’re genetically predisposed to higher cholesterol than the typical, fit person. Your term life insurance policy will be issued at a higher rate, because of the exam results. You can’t be sure of the price you’ll pay before your application is approved.

It’s very smart to contact several agents for life insurance price quotes, rather than trying to get price quotes using the Web by yourself.

Below, please observe how the best priced insurance companies change, if you qualify for the Preferred rate category, instead of the Preferred Plus rate category:

Male Age 44 Non Smoker Preferred Rates

Savings Bank Life Insurance Company of Massachusetts = $36.54 Per Month or $420 Per Year

Banner Life Insurance Company = $37.71 Per Month or $431 Per Year

Genworth Life Insurance Company = $36.60 Per Month or $432.66 Per Year

American General Life Insurance Company = $39.20 Per Month or $448 Per Year

ReliaStar Life Insurance Company (ING) = $39.29 Per Month or $449 Per Year

Each & every life insurance company has its own guidelines for determining your health rate category placement.

For example, you may qualify for the Preferred Plus rate category with North American Company for Life & Health at $374 a year, but only the Preferred rate category with Banner Life Insurance Company. Instead of paying $359 a year with Banner’s Preferred Plus rate category, your policy is issued at $431 per year, based on the prices for Banner’s Preferred rate category. North American Company is the better deal for you. Although Banner has lower prices for its Preferred Plus rate category, you don’t qualify for the Preferred Plus rate category with Banner, but you do qualify for the Preferred Plus rate category with North American.

A good agent makes every effort to quote the correct term life insurance rate you should be offered, based on the rate category you’ll most likely qualify for with each company. Trying to get accurate term life insurance quotes on your own, without the help of a competent agent, is difficult. Using an agent to buy term life insurance doesn’t cost more than purchasing a policy direct from an insurance company. Why not take advantage of the knowledge and expertise of an experienced agent?

Male Age 44 Non Smoker Standard Plus Rates

Savings Bank Life Insurance Company of Massachusetts = $48.29 Per Month or $555 Per Year

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Genworth Life Insurance Company = $48.67 Per Month or $575.49 Per Year

Metlife Investors USA Insurance Company = $51.84 Per Month or $576 Per Year

Banner Life Insurance Company = $50.58 Per Month or $578 Per Year

Ohio National Life Assurance Corp. = $50.78 Per Month or $587 Per Year

The term life insurance companies with the best rates in each health rating category usually are close in price to each other. There’s often a larger difference in price between health categories.

For example, Banner Life is $31.41 a month for the Preferred Plus rate category, $37.71 a month for the Preferred rate category, $50.58 a month for the Standard Plus rate category. In the Standard rate category, Banner is $61.08 a month, which is too expensive to be on the list of the 5 best-priced life insurance companies.

To choose an agent, look for one who does their best to give you an accurate term life insurance quote, based on the rate category for which you should qualify. A good agent will ask you questions, & will use their knowledge of the rate making & eligibility guidelines of the life insurance companies the agent represents, to find you the best price & coverage. You can recognize a good agent because they ask about you, your needs, your health, your family’s health history, and your habits. when quoting & recommending a particular insurance company’s product.

Some agents quote everyone a rock bottom price, regardless if the customer qualifies for it, after asking too few questions.

Some agents will try to get you as a customer by quoting you a low ball rate, then they’ll explain the huge price increase when the policy is issued, by telling you it’s the best rate you can get, hoping you’ll pay it. Chances are, had the agent quoted you the life insurance company with the best price for you based on your health, you could have found much better rates with another insurance company.

Here are the five insurance companies with the best term life prices for the Standard rate category. All of these rate categories are for healthy people. What if you have some type of medical condition, or you are over weight by twenty or so pounds? A good agent knows the life insurance companies with the best rates for certain health conditions, like diabetes, or for people with a few — or more than a few — extra pounds.

Male Age 44 Non Smoker Standard Rates

Savings Bank Life Insurance Company of MA = $56.64 Per Month or $651 Per Year

ReliaStar Life Insurance Company (ING) = $59.50 Per Month or $680 Per Year

Genworth Life Insurance Company = $57.67 Per Month or $681.79 Per Year

American General Life Insurance Company = $60.46 Per Month or $691 Per Year

Ohio National Life Assurance Corporation = $59.86 Per Month or $692 Per Year

It pays to shop around with a few agents representing different life insurance companies. No single agent represents every leading insurance company. Listed below are five life insurance companies, including some well known brand names, with higher-priced Standard life insurance rates for a 44 year old male non-smoker:

New York Life Insurance Company = $60.60 Per Month or $716 Per Year

Hartford Life & Annuity Insurance Company = $65.43 Per Month or $727 Per Year

Sunset Life Insurance Company of America = $68.43 Per Month or $805 Per Year

American National Insurance Company = $79.32 Per Month or $918 Per Year

Sagicor Life Insurance Company = $86.41 Per Month or $960.10 Per Year

A twenty year $300,000 term life insurance policy at standard rates can be as low as $651 a year, or as expensive as $960.10 or more a year. If you are in great health, your rates could be as low as $359 a year for the Preferred Plus rate category.

Remember, if an additional bill is an issue for you now, the amount of coverage — the death benefit — may be reduced to lower the price, so you can purchase term life insurance which is affordable for your budget. It is good to have at least some coverage through your own policy, than not having any life insurance coverage through your own policy at all. You cannot rely on your life insurance through work to be there for you and your family when you need it most.

If you want low term life insurance rates, the proper amount of coverage you need, & a smooth process purchasing it, comparison shop with several agents, so you can find the best agent for you, Everybody can afford Term life insurance, & a good agent can make buying it a piece of cake.

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.