Term life insurance is still affordable, even if you are a 57 year old woman. If needed, you can lower the amount of the death benefit, or reduce the number of years for the term, to make a life insurance policy affordable to you. This blog article will show you the lowest rates for a ten year term life insurance policy and a fifteen year term life insurance policy, for 4 health rating classes. This information will help you know if you’re getting a good deal when you shop around for term life insurance. For example, a life insurance agent quotes you a company with a ten year term policy at Preferred rates, you can check the rates here for the lowest 10 year term Preferred rates, to see if the agent is offering you a competitive price.
You need to be aware any life insurance agent can quote you the lowest rates, but a good agent will question you about your health, prescriptions you take, & your family’s health history to make sure you qualify for the rates the agent quotes you. Regardless of the health rating class you may qualify for with each insurance company, the information in this blog post should tell you if it is a competitive price, or if you should keep shopping with other life insurance 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 Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $17.13 a month or $198 a year.
$250,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Plus Rates
Savings Bank Life Insurance Co of MA is $34.15 a month or $392.50 a year.
$500,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $62.71 a month or $725 a year.
$1.000,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $114.61 a month or $1.325 a year.
The Preferred Plus rates listed above are for the people in the very best health, & you may not qualify for them. A good agent will make sure you qualify for these rates before quoting you & taking an application from you. Most life insurance companies have four health rate categories for non-smokers: Preferred Plus, Preferred, Standard Plus, & Standard rates.
Below are the lowest rates for a ten year term life insurance policy for the three remaining health rating categories. If you are obese, or if you have a chronic medical condition, you may have to pay a higher table rating, but most healthy people should qualify for at least the Standard rates.
You may have a few health problems, like a lot of middle aged people, but the good news is an experienced life insurance agent may be able to find an insurance company willing to insure you at Standard rates, although you have a chronic health condition, like diabetes, so it really pays to comparison shop with several insurance agents.
Here are the lowest 10 year term Preferred rates:
$100,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $19.90 a month or $230 a year.
$250,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Rates
Savings Bank Life Insurance Co of MA is $41.11 a month or $472.50 a year.
$500,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Rates
Savings Bank Life Insurance Co of MA is $77 a month or $885 a year.
$1,000,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Rates
Lincoln National Life Insurance Company is $137.95 a month or $1,550 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 Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $23.96 a month or $277 a year.
$250,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Plus Rates
Savings Bank Life Insurance Co of MA is $50.46 a month or $580 a year.
$500,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Plus Rates
Savings Bank Life Insurance Co of MA is $95.70 a month or $1,100 a year.
$1,000,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Plus Rates
MetLife Investors USA Insurance Company is $185.31 a month or $2,059 a year.
Here are the best 10 year term life prices for the Standard health rating class:
$100,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $27.51 a month or $318 a year.
$250,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $60.33 a month or $697.50 a year.
$500,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $112.88 a month or $1,305 a year.
$1.000,000 10 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $213.22 a month or $2,465 a year.
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Let us now look at the 4 health rating 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 Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $20.59 a month or $238 a year.
$250,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Plus Rates
Savings Bank Life Insurance Company of MA is $40.89 a month or $470 a year.
$500,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $72.66 a month or $840 a year.
$1.000,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $137.10 a month or $1,585 a year.
Here are the best Preferred rates:
$100,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $24.65 a month or $285 a year.
$250,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Rates
Savings Bank Life Insurance Co of MA is $52.42 a month or $602.50 a year.
$500,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $96.45 a month or $1,115 a year.
$1,000,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $181.22 a month or $2,095 a year.
Here are the Standard Plus rates:
$100,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $30.53 a month or $353 a year.
$250,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $67.90 a month or $785 a year.
$500,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $122.40 a month or $1,415 a year.
$1.000,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $234.85 a month or $2,715 a year.
Here are the best 15 year term life Standard rates:
$100,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $35.81 a month or $414 a year.
$250,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $81.09 a month or $937.50 a year.
$500,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Rates
MTL Insurance Company is $152.22 a month or $1,770 a year.
$1.000,000 15 year Term Life Insurance Policy for a 57 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $285.02 a month or $3,295 a year.
As you might notice, the range of rates for term life insurance for a 57 year old woman varies a great deal, from very affordable for most people to the size of some people’s monthly car payment, depending on how long you want the coverage, and the dollar amount of the death benefit you want.
Shop for the best deal you can possibly get, so you can buy the most coverage at the best price for you. Saving money on car insurance can give you more cash 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.