This term life insurance age 30 – 34 review will show you the best prices for people in their early thirties. It can be hard to shop for the lowest term life insurance rates. You may not qualify for the lowest rates you find online, or advertised by agents or life insurance companies. For example, $500,000 of term life insurance for as little as $17 a month, may turn into a lot more for you, once your application is approved by the insurance company. You may be very healthy, but still not qualify for a life insurance company’s lowest rates. You can’t shop based on price until you know the lowest price you qualify for with each term life insurance company. Any life insurance agent or company you contact will brag about their competitive term rates, but some companies charge a lot more than others for the same coverage. A $500,000 20 year term life insurance policy for a 33 year old female non-smoker at standard rates costs $390 a year with Royal Neighbors of America, $495 with New York Life Insurance Company, $504 with MetLife Investors USA Insurance Company, and $530 with Pruco (Prudential) Life Insurance Company. Change something like the amount of coverage, length of the term, the health rating class, age, sex, etc., and the companies with the most competitive rates will change. This blog post reviews the best term life insurance rates for men & women age 30 to 34, for smokers and non-smokers, so you know when you are shopping if term life insurance rates you are offered are competitively priced.
As mentioned above, it doesn’t help you to find the lowest priced term life insurance quote online from the Web. Your goal should be to get the best price for which you qualify, based on your current health, and you & your family’s health history. However, once you have received term life insurance quotes from several agents, you can use the rate information in this review, to see which agents quoting you represent companies with competitive rates for your situation.
Term Life Insurance Age 30 – 34 Review: How to use the pricing information in this review
One of the biggest factors driving term life insurance rates for people in their early to mid-thirties is the rating class for which they qualify. Most term life insurance companies have four rating classes for generally healthy non-smokers. In order from best to worst, they are usually called preferred plus, preferred, standard plus, & standard. Smokers may qualify for standard or preferred tobacco user rate classes.
Each life insurance company has its own criteria for qualifying for its health rate classes. You could qualify for preferred with one company, standard plus with another company, and only standard rates with still another company. Each company sets its own rates, so one company’s standard plus rates may be higher than another company’s standard rates. Don’t worry about trying to figure out which health class you will qualify for with which company. By consulting experienced life insurance agents, and answering their questions about your health, medications, & family medical history, they can tell you the rates and health class for which you are likely to qualify. With the expertise & market knowledge of several agents, you can consider the information each agent gives you, and discuss what you are told with other agents, to make sure you are getting accurate information.
For example, several agents, after asking you health questions, explain why they are quoting you standard plus rates. But one or two agents you contact ask fewer health questions and quote you much lower, preferred plus rates. You should be suspicious about qualifying for the lower preferred plus rates, and discuss it with the other agents quoting you. Comparing the information you are given by all the agents, with each agent, will help you sort out the good agents from the bad agents.
However, getting competing quotes from several life insurance agents is no guarantee the agents represent companies with competitive rates. This review will give you the pricing information for lowest term life insurance standard rates, so you can compare it with the term life insurance rates each agent quotes you. If all of the quotes cost more than the standard rates I show you in this review, you know you should keep shopping to find a better deal, unless your health situation disqualifies you from qualifying for at least standard rates with most companies.
The best way to use the pricing information in this review is to compare term life insurance rates agents quote you with the best standard term life insurance rates I show you here. Quotes about the same rate or less than the rates in this review are competitively priced. The better health class rating for which you qualify, such as preferred or preferred plus, the lower your quote should be below the best standard rate in this review. For example, the best standard rate for a $250,000 twenty year term life insurance policy for a male 32 year-old smoker is $577 a year with Northwestern Mutual Life Insurance, but the price is much lower, at $471 a year, with the same company, Northwestern Mutual Life Insurance, with their best health class rating for a smoker. However, if all the companies are quoting you standard rates higher than $577, and you are a 32 year old male smoker, you know you should keep shopping.
Here’s the pricing information, current as of the publishing date of this review, for 1. Male Non-smokers, 2. Male Smokers, 3. Female Non-smokers, & 4. Female Smokers:
1. Male Non-smoker, Age 30 to 34
The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $275 If paying monthly: $24.06
Age 31 If paying annually: $277.50 If paying monthly: $24.28
Age 32 If paying annually: $282.50 If paying monthly: $24.72
Age 33 If paying annually: $287.50 If paying monthly: $24.79
Age 34 If paying annually: $295 If paying monthly: $25.67
The Best Standard Rates for a $250,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $432.50 If paying monthly: $37.63
Age 31 If paying annually: $442.50 If paying monthly: $38.50
Age 32 If paying annually: $455 If paying monthly: $39.59
Age 33 If paying annually: $470 If paying monthly: $40.21
Age 34 If paying annually: $485 If paying monthly: $42.20
The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $480 If paying monthly: $41.52
Age 31 If paying annually: $485 If paying monthly: $41.95
Age 32 If paying annually: $500 If paying monthly: $43.34
Age 33 If paying annually: $505 If paying monthly: $43.34
Age 34 If paying annually: $520 If paying monthly: $44.98
The Best Standard Rates for a $500,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $730 If paying monthly: $64.24
Age 31 If paying annually: $775 If paying monthly: $68.20
Age 32 If paying annually: $815 If paying monthly: $71.72
Age 33 If paying annually: $865 If paying monthly: $74.17
Age 34 If paying annually: $890 If paying monthly: $77.33
The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $830 If paying monthly: $72.21
Age 31 If paying annually: $840 If paying monthly: $73.08
Age 32 If paying annually: $850 If paying monthly: $73.95
Age 33 If paying annually: $900 If paying monthly: $78.30
Age 34 If paying annually: $955 If paying monthly: $82.61
The Best Standard Rates for a $1,000,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $1,390 If paying monthly: $122.32
Age 31 If paying annually: $1,480 If paying monthly: $130.24
Age 32 If paying annually: $1,560 If paying monthly: $136.16
Age 33 If paying annually: $1,595 If paying monthly: $138.77
Age 34 If paying annually: $1,635 If paying monthly: $142.25
2. Male Smoker, Age 30 to 34
The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $525.50 If paying monthly: $45.35
Age 31 If paying annually: $549.50 If paying monthly: $47.42
Age 32 If paying annually: $577 If paying monthly: $49.80
Age 33 If paying annually: $606 If paying monthly: $52.30
Age 34 If paying annually: $638.50 If paying monthly: $55.10
The Best Standard Rates for a $250,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $867.50 If paying monthly: $80.04
Age 31 If paying annually: $907.50 If paying monthly: $84.39
Age 32 If paying annually: $960 If paying monthly: $88.94
Age 33 If paying annually: $1,027.50 If paying monthly: $91.76
Age 34 If paying annually: $1,081.95 If paying monthly: $94.67
The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $923 If paying monthly: $79.65
Age 31 If paying annually: $967 If paying monthly: $83.45
Age 32 If paying annually: $1,017 If paying monthly: $87.77
Age 33 If paying annually: $1,071 If paying monthly: $92.43
Age 34 If paying annually: $1,131 If paying monthly: $97.61
The Best Standard Rates for a $500,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $1,535 If paying monthly: $135.08
Age 31 If paying annually: $1,650 If paying monthly: $145.20
Age 32 If paying annually: $1,770 If paying monthly: $155.76
Age 33 If paying annually: $1,900 If paying monthly: $167.20
Age 34 If paying annually: $2,050 If paying monthly: $180.40
The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $1,718 If paying monthly: $148.26
Age 31 If paying annually: $1,802 If paying monthly: $155.51
Age 32 If paying annually: $1,897 If paying monthly: $163.71
Age 33 If paying annually: $2,001 If paying monthly: $172.69
Age 34 If paying annually: $2,116 If paying monthly: $182.61
The Best Standard Rates for a $1,000,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $3,000 If paying monthly: $264
Age 31 If paying annually: $3,230 If paying monthly: $284.24
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Age 32 If paying annually: $3,470 If paying monthly: $305.36
Age 33 If paying annually: $3,730 If paying monthly: $328.24
Age 34 If paying annually: $3,926.50 If paying monthly: $343.57
3. Female Non-smoker, Age 30 to 34
The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $222.50 If paying monthly: $19.17
Age 31 If paying annually: $230 If paying monthly: $19.17
Age 32 If paying annually: $232.50 If paying monthly: $19.38
Age 33 If paying annually: $232.50 If paying monthly: $19.38
Age 34 If paying annually: $252.50 If paying monthly: $21.04
The Best Standard Rates for a $250,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $345 If paying monthly: $30.23
Age 31 If paying annually: $355 If paying monthly: $30.89
Age 32 If paying annually: $365 If paying monthly: $31.04
Age 33 If paying annually: $372.50 If paying monthly: $31.25
Age 34 If paying annually: $382.50 If paying monthly: $33.28
The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $355 If paying monthly: $31.95
Age 31 If paying annually: $370 If paying monthly: $32.09
Age 32 If paying annually: $390 If paying monthly: $32.50
Age 33 If paying annually: $390 If paying monthly: $32.50
Age 34 If paying annually: $430 If paying monthly: $35.84
The Best Standard Rates for a $500,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $550 If paying monthly: $48.40
Age 31 If paying annually: $580 If paying monthly: $51.04
Age 32 If paying annually: $605 If paying monthly: $53.24
Age 33 If paying annually: $635 If paying monthly: $55.88
Age 34 If paying annually: $675 If paying monthly: $59.40
The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $640 If paying monthly: $57.60
Age 31 If paying annually: $670 If paying monthly: $57.92
Age 32 If paying annually: $705 If paying monthly: $58.75
Age 33 If paying annually: $705 If paying monthly: $58.75
Age 34 If paying annually: $785 If paying monthly: $65.42
The Best Standard Rates for a $1,000,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $1,030 If paying monthly: $90.64
Age 31 If paying annually: $1,090 If paying monthly: $95.92
Age 32 If paying annually: $1,140 If paying monthly: $100.32
Age 33 If paying annually: $1,200 If paying monthly: $105.60
Age 34 If paying annually: $1,280 If paying monthly: $112.64
4. Female Smoker, Age 30 to 34
The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $440.50 If paying monthly: $38.02
Age 31 If paying annually: $462 If paying monthly: $39.87
Age 32 If paying annually: $497 If paying monthly: $42.89
Age 33 If paying annually: $520 If paying monthly: $45.21
Age 34 If paying annually: $540.90 If paying monthly: $47.33
The Best Standard Rates for a $250,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $672.50 If paying monthly: $60.81
Age 31 If paying annually: $705 If paying monthly: $64.02
Age 32 If paying annually: $747.50 If paying monthly: $67.32
Age 33 If paying annually: $802.50 If paying monthly: $70.84
Age 34 If paying annually: $845 If paying monthly: $74.36
The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $753 If paying monthly: $64.98
Age 31 If paying annually: $792 If paying monthly: $68.35
Age 32 If paying annually: $857 If paying monthly: $73.96
Age 33 If paying annually: $918.25 If paying monthly: $79.91
Age 34 If paying annually: $955.65 If paying monthly: $83.62
The Best Standard Rates for a $500,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $1,135 If paying monthly: $99.88
Age 31 If paying annually: $1,210 If paying monthly: $106.48
Age 32 If paying annually: $1,290 If paying monthly: $113.52
Age 33 If paying annually: $1,375 If paying monthly: $121
Age 34 If paying annually: $1,465 If paying monthly: $128.92
The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy
Age 30 If paying annually: $1,378 If paying monthly: $118.92
Age 31 If paying annually: $1,452 If paying monthly: $125.31
Age 32 If paying annually: $1,577 If paying monthly: $136.10
Age 33 If paying annually: $1,711 If paying monthly: $147.66
Age 34 If paying annually: $1,807.80 If paying monthly: $158.18
The Best Standard Rates for a $1,000,000 30 Year Term Life Insurance Policy
Age 30 If paying annually: $2,200 If paying monthly: $193.60
Age 31 If paying annually: $2,350 If paying monthly: $206.80
Age 32 If paying annually: $2,510 If paying monthly: $220.88
Age 33 If paying annually: $2,680 If paying monthly: $235.84
Age 34 If paying annually: $2,860 If paying monthly: $251.68
Thanks for reading this term life insurance rates review for people 30 to 34 years old. As with other types of insurance, some term life insurance companies charge more than double the price of other companies for the same term life insurance coverage, and no single insurance company has the best rates for everyone.
What do you think about this term life insurance review for people in their early to mid thirties? 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.
