Term life insurance can be made affordable for you, even if you are a 59 year old woman. The cost of term life insurance can be lowered, by decreasing the dollar amount of the death benefit, or reducing the number of years of the term, to make term life insurance coverage affordable for any budget. This blog post shows you the best rates for a ten year term policy & a fifteen year term policy, across four different health rating classes, for death benefit amounts of $100,000, $250,000, & $500,000. The information in this blog article will help you know if you’re getting a competitive price when you shop for term life insurance. For example, a life insurance agent quotes you an insurance company with a fifteen year term life insurance policy, at Preferred rates for $500,000 of coverage, you can check the rates here for the lowest fifteen year term Preferred rates for $500,000 of coverage, to see if the agent or company is offering you a good deal.
However, you need to be careful when getting life insurance quotes. Any agent can quote you low rates, with the price increasing a lot when your policy is issued by the company. Good agents will ask you important questions about your health, any prescriptions you take, & your family’s health history, to make sure you qualify for the rate the agent quotes you. Regardless of the health rating class you qualify for with each insurance company, the information here should tell you if it is a competitive rate, or if you should keep shopping to find a better price with other life insurance companies.
Here are examples of the lowest Preferred Plus rates for a ten year term policy, at various amounts of coverage:
$100,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $20.50 a month or $237 a year.
$250,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Plus Rates
Savings Bank Life Insurance Co of MA is $42.41 a month or $487.50 a year.
$500,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Plus Rates
Ohio National Life Assurance Corporation is $76.12 a month or $880 a year.
The Preferred Plus rates indicated above are for folks in very good health. Not every healthy person will qualify for these rates. An experienced agent will make every effort to quote you accurately before selling you a life insurance policy. Most life insurance companies have four health rating classes for non smokers: Preferred Plus, Preferred, Standard Plus, & Standard rates.
The price you pay can vary a lot among companies. In fact, change any one thing, such as the age, sex, or tobacco use, and the life insurance 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 59 year old female non-smoker with a $500,000 death benefit is $103.02 a month and $1,157.50 a year for United of Omaha Life Insurance Company (Mutual of Omaha). Rates vary a lot among different insurance companies in all health rate classes, with some companies charging a lot more for the same coverage.
Listed below are the lowest rates for a ten year term life insurance policy for the other 3 health rate classes. If you are extremely overweight, or if you have a chronic health condition, you may have to pay a higher table rating, but most healthy people should qualify for at least the Standard health class rates.
Maybe you have a few health problems, like many middle-aged people. The good news is experienced insurance agents may be able to find a company willing to insure you at Standard health class rates, even if you have a chronic health condition, like diabetes.
It pays to comparison shop with several agents to see what they can do for you. Experienced life insurance agents representing many companies know the market, & work to find the best insurance company with the best rate 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 ten year term Preferred rates:
$100,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $24.05 a month or $278 a year.
$250,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Rates
Cincinnati Life Insurance Company is $51.48 a month or $585 a year.
$500,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $93.85 a month or $1,085 a year.
Here are the lowest ten year term Standard Plus rates:
$100,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Plus Rates
Cincinnati Life Insurance Company is $28.95 a month or $329 a year.
$250,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Plus Rates
Cincinnati Life Insurance Company is $62.48 a month or $710 a year.
$500,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $114.61 a month or $1,325 a year.
Here are the lowest ten year term life prices for the Standard health rate class:
$100,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $32.44 a month or $375 a year.
$250,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $72.66 a month or $840 a year.
$500,000 10 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $137.54 a month or $1,590 a year.
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Let’s look now at the four health rate classes for a fifteen year term life insurance policy.
Here are the best fifteen year term life insurance Preferred Plus rates:
$100,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Plus Rates
Cincinnati Life Insurance Company is $24.46 a month or $278 a year.
$250,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Plus Rates
Cincinnati Life Insurance Company is $51.26 a month or $582.50 a year.
$500,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Plus Rates
Cincinnati Life Insurance Company is $95.92 a month or $1,090 a year.
Here are the best Preferred rates:
$100,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Rates
Cincinnati Life Insurance Company is $30.01 a month or $341 a year.
$250,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Rates
Cincinnati Life Insurance Company is $65.12 a month or $740 a year.
$500,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Preferred Rates
Cincinnati Life Insurance Company is $123.64 a month or $1,405 a year.
Here are the Standard Plus rates:
$100,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Plus Rates
Cincinnati Life Insurance Company is $39.07 a month or $444 a year.
$250,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Plus Rates
Cincinnati Life Insurance Company is $87.78 a month or $997.50 a year.
$500,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $163.05 a month or $1,885 a year.
Here are the 15 year term life Standard rates:
$100,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Rates
Cincinnati Life Insurance Company is $45.06 a month or $512 a year.
$250,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Rates
Cincinnati Life Insurance Company is $102.74 a month or $1,167.50 a year.
$500,000 15 year Term Life Insurance Policy for a 59 Year Old Female Non Smoker at Standard Rates
Assurity Life Insurance Company is $182.16 a month or $2,070 a year.
The range of rates for term life insurance for a woman age 59 vary from very affordable for most people, to the size of a monthly auto payment, depending on how long you want the coverage, & the dollar amount of the death benefit you decide to choose.
Shop for the best deal you can get, so you can have the most coverage at the best rates for you. Saving money on auto insurance will allow 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 59 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.