You can find affordable term life insurance, even if you are a 60 year old woman. You can decrease the price of term life insurance, by lowering the amount of coverage, or reducing the years of the coverage, to make a term life insurance policy affordable for your budget. This blog post gives you the names of the companies with the lowest rates for a ten year term policy and a fifteen year term policy for a 60 year old woman, across four different health classes, for $100,000, $250,000, & $500,000 of coverage. This information will aid you in knowing if you’re getting a good price, when you shop for term life insurance. For example, if a life insurance agent quotes you a company with a fifteen year term life insurance policy at Standard Plus rates for $250,000 of coverage, you can check the rates here for the lowest fifteen year term Standard Plus rates for $250,000 of coverage, to see if the agent or company is offering you a good deal.
Please be careful when you shop for life insurance. Any agent can quote you low rates, with the price increasing a lot when your policy is issued by the life insurance company. A good agent will ask you important questions about your health, the prescriptions you take, and your family health history, to make sure you qualify for the price the agent quotes you. Regardless of the health rate class for which you qualify with each life insurance company, the information in this blog article will tell you if it’s a competitive rate, or if you should keep shopping to find a better rate with other life insurance companies.
Here are examples of the lowest Preferred Plus rates for a 10-year term policy, at various amounts of coverage:
$100,000 10 year Term Life Insurance Policy for a 60 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 10 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Plus Rates
Savings Bank Life Insurance Co of MA is $46.33 a month or $532.50 a year.
$500,000 10 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Plus Rates
Illinois Mutual Life Insurance Company is $86.24 a month or $980 a year.
The Preferred Plus rates above are for people in extremely good health, & not every healthy person will qualify for Preferred Plus rates. An experienced agent will make every effort to quote their clients accurately before selling them a life insurance policy. Most life insurance companies have 4 health rate classes for non-smokers: Preferred Plus, Preferred, Standard Plus, & Standard rates.
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 60 year old female non-smoker with a $100,000 death benefit is $342 a year with Pruco Life Insurance Company (Prudential), which is a lot more than $256 a year with Ohio National for the same coverage, term, & rate class. Rates vary a lot among different life insurance companies in all health rate classes, and some companies charge a whole lot more for the same coverage.
Listed below are the best rates for a 10 year term life insurance policy for the other 3 health rate categories. If you are more than a little overweight, or if you have a chronic health condition, you might have to pay a higher table rating, but most reasonably healthy people should qualify for at least the Standard health class rates.
You may have a few health problems, like many older people have these days. The good news is experienced life insurance agents may be able to find an insurance company willing to insure you at Standard health class rates, even if you have a chronic medical condition, like diabetes.
It pays to comparison shop with several life insurance agents to see what they can do for you. Experienced life insurance agents representing many companies know the life insurance market, and work to find the best insurance company with the lowest price for you. Do not depend on a single 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 life insurance 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 60 Year Old Female Non Smoker at Preferred Rates
Ohio National Life Assurance Corporation is $25.95 a month or $300 a year.
$250,000 10 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Rates
Cincinnati Life Insurance Company is $56.10 a month or $637.50 a year.
$500,000 10 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Rates
Cincinnati Life Insurance Company is $105.60 a month or $1,200 a year.
Here are the lowest 10-year term Standard Plus rates:
$100,000 10 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $30.36 a month or $351 a year.
$250,000 10 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Plus Rates
Cincinnati Life Insurance Company is $67.98 a month or $772.50 a year.
$500,000 10 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $127.16 a month or $1,470 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 60 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $34.95 a month or $404 a year.
$250,000 10 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Rates
Ohio National Life Assurance Corporation is $78.93 a month or $912.50 a year.
$500,000 10 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Rates
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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 15-year term life insurance Preferred Plus rates:
$100,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Plus Rates
Cincinnati Life Insurance Company is $26.75 a month or $304 a year.
$250,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Plus Rates
Cincinnati Life Insurance Company is $56.98 a month or $647.50 a year.
$500,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Plus Rates
Cincinnati Life Insurance Company is $107.36 a month or $1,220 a year.
Here are the best Preferred rates:
$100,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Rates
Cincinnati Life Insurance Company is $32.82 a month or $373 a year.
$250,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Rates
Cincinnati Life Insurance Company is $72.16 a month or $820 a year.
$500,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Preferred Rates
Pruco Life Insurance Company (Prudential) is $139.95 a month or $1,555 a year.
Here are the Standard Plus rates:
$100,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Plus Rates
Cincinnati Life Insurance Company is $43.21 a month or $491 a year.
$250,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Plus Rates
Pruco Life Insurance Company (Prudential) is $99.90 a month or $1,110 a year.
$500,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Plus Rates
Ohio National Life Assurance Corporation is $182.08 a month or $2,105 a year.
Here are the 15-year term life Standard rates:
$100,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Rates
Cincinnati Life Insurance Company is $49.90 a month or $567 a year.
$250,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Rates
Cincinnati Life Insurance Company is $114.84 a month or $1,305 a year.
$500,000 15 year Term Life Insurance Policy for a 60 Year Old Female Non Smoker at Standard Rates
Assurity Life Insurance Company is $194.92 a month or $2,215 a year.
Rates for term life insurance for a woman age 60 vary greatly, from very affordable for most people, to the size of a monthly car payment, depending on how long you want the coverage & the amount of coverage you select.
Shop around for the best deal you can buy, so you can have the most coverage at the best price for you. Saving money on car insurance will give you more money in your budget for the life insurance you need. Do not put off saving money or getting the insurance coverage you need. Start shopping now!
How much life insurance does a woman age 60 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.