People can buy term life insurance at affordable rates, even if you are a 58 year old woman. The cost of term life insurance can be adjusted, by decreasing the amount of the death benefit, or reducing the number of years of the term, to make life insurance coverage affordable for you. This blog post shows you the best rates for a ten year term life policy & a fifteen year term life insurance policy, across four different health rate classes, for $100,000, $250,000, & $500,000 of coverage. The information in this blog article will help you know if you are getting a competitive price when you shop for life insurance. For example, an agent quotes you an insurance company with a 15 year term life policy at Standard rates for $250,000 of coverage, you can check the rates here for the lowest 15 year term Standard rates for $250,000 of coverage, to see if the insurance agent or company is offering you a good deal.
Please be cautious: any agent can quote you low rates, with the price going sky high when your policy is issued by the company. A good agent will ask you questions about your health, any prescriptions you take, & your family’s health history, to make sure you qualify for the price the agent quotes you. Regardless of the health class you may qualify for with each life insurance company, the information here should tell you if it’s a competitive rate, 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 58 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $18.08 a month or $209 a year.
$250,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Plus Rates
Savings Bank Life Insurance Co of MA is $36.54 a month or $420 a year.
$500,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $66.61 a month or $770 a year.
The Preferred Plus rates shown above are for people in the best health, & not every healthy person will qualify for them. An experienced agent will make sure you qualify for them before quoting you and selling you a policy. Most life insurance companies have 4 health rate classes for non-smokers: Preferred Plus, Preferred, Standard Plus, & Standard rates.
There are other companies with low Preferred Plus rates close to the companies with the best rates listed above. Preferred Plus rates are the best rates, but the price can vary a lot among companies. As you can see from the above example, the company with the lowest rates will change depending on the amount of coverage. In fact, change any one thing, such as the age, sex, or tobacco use, and the company with the lowest rate may no longer have a competitive rate. Some company Preferred Plus rates are a lot more than the rates quoted above. For example, A ten year term life insurance policy at Preferred Plus rates for a 58 year old female non-smoker with a $500,000 death benefit is $80.55 a month and $895 a year for Pruco Life Insurance Company (Prudential). Rates vary a lot among different insurance companies in all health rate classes, with some companies charging a lot more.
Below are the lowest rates for a 10 year term life insurance policy for the other three health rate classes. If you are grossly overweight, or if you have a chronic health condition, you might have to pay a higher table rating, but most healthy people should qualify for at least the Standard health class rates.
You may have health problems, like many middle-aged people. The good news is experienced insurance agents may be able to find a life insurance company willing to insure you at Standard rates, even if you have a chronic health condition, like high blood pressure.
It pays to comparison shop with several agents to see what they can offer you. Experienced life insurance agents representing many companies know the market, and work to find the best company with the best price for you. Don’t depend on only one agent to shop the market for you, or you may find the agent will sell you the policy with the highest commission, instead of the best policy for you at a competitive price.
Here are the lowest 10 year term Preferred rates:
$100,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $21.11 a month or $244 a year.
$250,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Rates
Savings Bank Life Insurance Co of MA is $44.37 a month or $510 a year.
$500,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $82.61 a month or $955 a year.
Here are the lowest 10 year term Standard Plus rates:
$100,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $25.26 a month or $292 a year.
$250,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Plus Rates
Savings Bank Life Insurance Co of MA is $54.59 a month or $627.50 a year.
$500,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $102.07 a month or $1,180 a year.
Here are the lowest 10 year term life prices for the Standard health rate class:
$100,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $28.89 a month or $334 a year.
$250,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $63.79 a month or $737.50 a year.
$500,000 10 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $120.67 a month or $1,395 a year.
Admittedly, there are cialis 40 mg quite a number of products out there that can be of immense help. Moreover, there are some, who could find themselves embarrassed to go to the counter cipla cialis india to buy such products. Erectile dysfunction shop for viagra cheap can cause a whole host of issues in your life. Our bundling is circumspect as well; in this manner don’t worry with respect to anybody comprehending what you’ve got to remember is: just because they are useless now doesn’t mean that they were useless to our ancestors. cheapest price for levitra
Let us look at the four health rate classes for a fifteen year term life policy.
Here are the best 15 year term life insurance Preferred Plus rates:
$100,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $22.14 a month or $256 a year.
$250,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Plus Rates
Savings Bank Life Insurance Company of MA is $44.81 a month or $515 a year.
$500,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $79.15 a month or $915 a year.
Here are the best Preferred rates:
$100,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $26.47 a month or $306 a year.
$250,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Rates
Savings Bank Life Insurance Co of MA is $56.55 a month or $650 a year.
$500,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $105.10 a month or $1,215 a year.
Here are the Standard Plus rates:
$100,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $33.48 a month or $387 a year.
$250,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Plus Rates
Savings Bank Life Insurance Co of MA is $74.60 a month or $857.50 a year.
$500,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $135.37 a month or $1,565 a year.
Here are the 15 year term life Standard rates:
$100,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $39.36 a month or $455 a year.
$250,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $89.96 a month or $1,040 a year.
$500,000 15 year Term Life Insurance Policy for a 58 Year Old Female Non Smoker at Standard Rates
Assurity Life Insurance Company is $170.28 a month or $1,935 a year.
The range of rates for term life insurance for a woman age 58 vary greatly, from very affordable for most people, to the size of a monthly car loan payment, depending on how long you want the coverage, & the dollar amount of the death benefit you desire.
Shop for the best deal you can buy, so you can have 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. Do not put off saving money or buying the insurance you need. Start shopping now.
How much life insurance does a woman age 58 need? Please leave a comment on my facebook page. Or, 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.