Term Life Insurance Rates: 57 Year Old Male Non Smoker

Term life insurance can still be affordable, even if you are a 57 year old man. If needed, you can adjust the amount of the death benefit, or the number of years for the term, to make a life insurance policy affordable to you. This blog post will show you the lowest rates for a 10 year term policy and a 15 year term policy, in four health rate classes. This information can help you know if you are getting a good deal when you shop for life insurance. For example, an agent quotes you a company with a ten year term policy at Standard Plus rates, you can check the rates here for the lowest 10 year term Standard Plus rates, to see if what the agent is offering you is a good deal.

Be aware any agent can quote you the lowest rates, but a good agent will question you about your health, drug prescriptions you take, and your family’s health history to make sure you qualify for the rates the agent quotes you. Regardless of the health category you may qualify for with each company, the information here should tell you if it is a competitive price, or if you should keep shopping with other agents.

Here are examples of the lowest rates (Preferred Plus) for a 10 year term policy, at various amounts of coverage:

$100,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Plus Rates

Ohio National Life Assurance Corporation is $22.06 a month or $255 a year.

$250,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Plus Rates

Ohio National Life Assurance Corporation is $46.71 a month or $540 a year.

$500,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Plus Rates

Ohio National Life Assurance Corporation is $87.37 a month or $1,010 a year.

$1.000,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Plus Rates

Ohio National Life Assurance Corporation is $162.19 a month or $1,875 a year.

The Preferred Plus rates listed above are for people in the best health, and you may not qualify for them. A good agent will make sure you qualify for them before quoting you and taking an application from you. Most life insurance companies have 4 health rating classes for non-smokers: Preferred Plus, Preferred, Standard Plus, & Standard rates.

Below are the lowest rates for a 10 year term life insurance policy for the other three health rating classes. If you are obese, or if you have a chronic medical condition, you might have to pay a higher table rating, but most healthy people should qualify for at least the Standard rates.

You may have health problems, like a lot of middle-aged people, but the good news is an experienced independent life insurance agent may be able to find a company willing to insure you at their Standard rates, even if you have a chronic health condition, like diabetes, so it really does pay to comparison shop with several agents.

Here are the lowest 10 year term Preferred rates:

$100,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Rates

Ohio National Life Assurance Corporation is $26.73 a month or $309 a year.

$250,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Rates

Savings Bank Life Insurance Co of MA is $55.68 a month or $640 a year.

$500,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Rates

Savings Bank Life Insurance Co of MA is $106.14 a month or $1,220 a year.

$1,000,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Rates

Savings Bank Life Insurance Co of MA is $199.23 a month or $2,290 a year.

Here are the lowest 10 year term Standard Plus rates:

$100,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Plus Rates

Ohio National Life Assurance Corporation is $33.65 a month or $389 a year.

$250,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Plus Rates

Savings Bank Life Insurance Co of MA is $60.25 a month or $692.50 a year.

$500,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Plus Rates

Savings Bank Life Insurance Co of MA is $115.28 a month or $1,325 a year.

$1,000,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Plus Rates

Savings Bank Life Insurance Co of MA is $218.37 a month or $2,510 a year.

Here are the lowest 10 year term life prices for the Standard health rating class:

$100,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Rates

Ohio National Life Assurance Corporation is $39.88 a month or $461 a year.

$250,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Rates

Primerica Life Insurance Company is $91.20 a month or $960 a year.

$500,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Rates

Primerica Life Insurance Company is $167.20 a month or $1,760 a year.

$1.000,000 10 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Rates

Primerica Life Insurance Company is $327.78 a month or $3,445 a year.


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Now, let’s look at the four health rate classes for a 15 year term life policy.

Here are the lowest 15 year term life insurance Preferred Plus rates:

$100,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Plus Rates

Ohio National Life Assurance Corporation is $29.84 a month or $345 a year.

$250,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Plus Rates

Savings Bank Life Insurance Company of MA is $60.25 a month or $692.50 a year.

$500,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Plus Rates

Ohio National Life Assurance Corporation is $112.02 a month or $1,295 a year.

$1.000,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Plus Rates

North American Co for Life and Health is $219.19 a month or $2,505 a year.

Here are the best Preferred rates:

$100,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Rates

Cincinnati Life Insurance Company is $37.40 a month or $425 a year.

$250,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Rates

Savings Bank Life Insurance Co of MA is $75.91 a month or $872.50 a year.

$500,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Rates

Savings Bank Life Insurance Co of MA is $146.60 a month or $1,685 a year.

$1,000,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Preferred Rates

Ohio National Life Assurance Corporation is $282.42 a month or $3,265 a year.

Here are the Standard Plus rates:

$100,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Plus Rates

Ohio National Life Assurance Corporation is $44.72 a month or $517 a year.

$250,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Plus Rates

Savings Bank Life Insurance Co of MA is $95.48 a month or $1,097.50 a year.

$500,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Plus Rates

Ohio National Life Assurance Corporation is $181.65 a month or $2,100 a year.

$1.000,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Plus Rates

Ohio National Life Assurance Corporation is $345.57 a month or $3,995 a year.

Here are the 15 year term life Standard rates:

$100,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Rates

Savings Bank Life Insurance Company of MA is $49.59 a month or $570 a year.

$250,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Rates

Savings Bank Life Insurance Company of MA is $113.54 a month or $1,305 a year.

$500,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Rates

Savings Bank Life Insurance Company of MA is $221.85 a month or $2,550 a year.

$1.000,000 15 year Term Life Insurance Policy for a 57 Year Old Male Non Smoker at Standard Rates

North American Company for Life & Health is $418.69 a month or $4,785 a year.

As you may have noticed, the range of rates for term life insurance for a 57 year old man vary greatly, from very affordable for most people to the size of a monthly car payment, depending on how long you want the coverage, and the dollar amount of the death benefit you select.

Shop for the best deal you can get, so you can buy the most coverage at the best price for you. Saving money on auto insurance can give you more money in your budget for life insurance. Don’t put off saving money or buying the insurance you need. Start shopping now.

How much life insurance at age 57 do you need? 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.