Term Life Insurance Rates: 65 Year Old Male Non Smoker

Term life insurance for a sixty-five year old man costs more than it does for younger guys in their twenties or thirties, but it’s more affordable than you may think. This blog post will show you the term life insurance companies with the lowest rates for a ten-year term policy for a 65 year old male, at different amounts of coverage for 4 health rating classes, to help you shop for the best coverage for you & your budget.

Let us start with the lowest rates available, for individuals in great health, qualifying for the Preferred Plus health rate category.


$100,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Preferred Plus Rates

Ohio National Life Assurance Corporation is $51.73 a month or $598 a year.

Cincinnati Life Insurance Company is $54.38 a month or $618 a year.

TIAA-CREF Life Insurance Company is $55.04 a month or $629.05 a year.


$250,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Preferred Plus Rates

Western-Southern Life Assurance Company is $124.71 a month or $1,272.50 a year.

Cincinnati Life Insurance Company is $113.08 a month or $1,285 a year.

Royal Neighbors of America is $108.76 a month or $1,305 a year.


$500,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Preferred Plus Rates

Royal Neighbors of America is $189.18 a month or $2,270 a year.

Cincinnati Life Insurance Company is $218.68 a month or $2,485 a year.

Western-Southern Life Assurance Company is $244.51 a month or $2,495 a year.

Not every healthy person will qualify for each company’s preferred plus rates. You can be in great health, but if your blood pressure is not ideal, or you have slightly elevated cholesterol, you may not qualify for preferred plus rates. The next best health rate class is the preferred health rate class. Here are the best rates in this category:


$100,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Preferred Rates

Ohio National Life Assurance Corporation is $62.80 a month or $726 a year.

Cincinnati Life Insurance Company is $64.68 a month or $735 a year.

Sagicor Life Insurance Company is $72.09 a month or $801 a year.


$250,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Preferred Rates

Cincinnati Life Insurance Company is $136.84 a month or $1,555 a year.

Pruco Life Insurance Company is $140.40 a month or $1,560 a year.

Sagicor Life Insurance Company is $143.33 a month or $1,592.50 a year.


$500,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Preferred Rates

Royal Neighbors of America is $239.60 a month or $2,875 a year.

Cincinnati Life Insurance Company is $266.64 a month or $3,030 a year.

Pruco Life Insurance Company (Prudential) is $273.15 a month or $3,035 a year.

Don’t worry about qualifying for the top health rate classes. Life insurance companies have different criteria to qualify you for their health rate categories, and company rates vary greatly. Use the assistance of several good life insurance agents, representing multiple companies, to help you find the best company & price for you. Here are the best ten year term standard plus rates:


$100,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Standard Plus Rates

Ohio National Life Assurance Corporation is $75.43 a month or $872 a year.

Symetra Life Insurance Company is $80.59 a month or $921 a year.

Cincinnati Life Insurance Company is $81.84 a month or $930 a year.


$250,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Standard Plus Rates

MetLife Investors USA Insurance Company is $165.29 a month or $1,836.50 a year.

Pruco Life Insurance Company is $171.45 a month or $1,905 a year.

Cincinnati Life Insurance Company is $174.24 a month or $1,980 a year.


$500,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Standard Plus Rates

MetLife Investors USA Insurance Company is $324.36 a month or $3,604 a year.

Pruco Life Insurance Company (Prudential) is $335.25 a month or $3,725 year.

Cincinnati Life Insurance Company is $341.88 a month or $3,885 a year.

Most reasonably healthy people should qualify for the Standard health rate class. Here are the term life insurance companies with the best ten year term rates for the standard health category:


$100,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Standard Rates

Ohio National Life Assurance Corporation is $86.41 a month or $999 a year.

Cincinnati Life Insurance Company is $92.84 a month or $1,055 a year.

TIAA-CREF Life Insurance Company is $95.73 a month or $1,094 a year.


$250,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Standard Rates

Royal Neighbors of America is $188.14 a month or $2,257.50 a year.

Cincinnati Life Insurance Company is $204.38 a month or $2,322.50 a year.

TIAA-CREF Life Insurance Company is $205.68 a month or $2,350.63 a year.


$500,000 10 year Term Life Insurance Policy for a 65 Year Old Male Non Smoker at Standard Rates

Royal Neighbors of America is $338.78 a month or $4,065 a year.

Ohio National Life Assurance Corporation is $389.68 a month or $4,505 a year

TIAA-CREF Life Insurance Company is $394.76 a month or $4,511.50 a year.

Term life insurance prices for a 65 year-old man vary a lot from life insurance company to company. With the information in this blog post, if you are quoted ten year term life insurance, regardless of the health category for which you qualify, you’ll know if the rates you are quoted are competitively priced.

As you can see, the cost for a large amount of coverage for a man at age 65 can be a sizable monthly bill. When you are in your sixties, and pay a lot for term life insurance, you will find it might be more affordable, or make more sense, to buy a permanent life insurance policy. Term insurance is a lot less expensive when you are young, but when you are older, the cost between term & permanent life insurance can be about the same.

Shop for the best rates for which you qualify, so you can afford to buy the amount of term life insurance coverage you need. Saving cash on auto & home insurance can give you more money in your budget for life insurance. Do not put off saving money or buying the insurance you need. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. For a lot of people, the best insurance company is the one with the right coverage, acceptable service, and the lowest rates. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip code, and start shopping now!

How much life insurance does a 65 year old man need? Tell me your thoughts. Comment on my facebook page. If you have questions and would like my help, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.