This term life insurance age 35 – 39 review will show you the best prices for people in their middle to late thirties. It’s hard to shop for the lowest term life insurance rates on the Web. You may not qualify for the lowest rates you find online, or the teaser rates advertised by agents or life insurance companies. For example, $300,000 of term life insurance for as little as $20 a month, may cost a lot more for you, after your application is approved by the insurance company. You may be in good health with no medical conditions, but still not qualify for a term 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.
All life insurance agents or companies you contact will brag about their competitive term rates, but some companies charge a lot more than others for the same coverage. A $300,000 20 year term life insurance policy for a 36 year old female non-smoker at standard rates costs $335 a year with Ohio National Life Assurance Corporation, $361 with Hartford Life and Annuity Insurance Company, $381 with AAA Life Insurance Company, and $442 with Northwestern Mutual Life Insurance Company. Change one thing, 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 review shows you the best term life insurance rates for men & women age 35 to 39, for smokers and non-smokers, so when you are shopping for term life insurance, you’ll know if the rates you are quoted are competitively priced.
As I wrote above, it doesn’t help you to find the term life insurance quote with the lowest price on the Internet, if you have no idea if you’ll qualify for the rates. Your goal should be to shop for the best price for which you qualify, based on your health, health history, prescribed medications, your family’s health history, and other factors. Experienced life insurance agents will ask you questions to determine which company they represent (if they represent more than one company) will have the best deal for you. Using the competition among agents, by getting term life insurance quotes from several agents, helps you make a better choice. However, there is still a good chance none of the agents will have a good deal for you. Once you have received term life insurance quotes from a few agents, use the rate information in this review, to see which agents quoting you represent companies with competitive rates for your situation, or if you need to continue shopping.
Term Life Insurance Age 35 – 39 Review: How to use the pricing information in this review
Most term life insurance companies have four rating classes for generally healthy non-smokers. 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 categories. You could qualify for preferred with one life insurance company, standard plus with another life insurance company, and only standard rates with still another life insurance company. Each company sets its own rates, so one company’s standard plus rates may be lower than another company’s preferred rates. Don’t worry about trying to figure out which health class you’ll qualify for with each life insurance company. By consulting experienced life insurance agents, and answering their questions, the agents can determine 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 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 term life insurance quotes from several insurance agents is no guarantee the agents represent companies with competitive rates. This review will give you the pricing information for the 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 $500,000 twenty year term life insurance policy for a male 38 year-old non-smoker is $660 a year with Ohio National Life Assurance Corporation. But the price is much lower, at $420 a year, with Savings Bank Life Insurance Co of Massachusetts, if you qualify for that company’s preferred rates. However, if all the agents and companies are quoting you rates higher than $660, and you are a 38 year old male non-smoker qualifying for at least the standard health class, 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 35 to 39
The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $312.50 If paying monthly: $27.19
Age 36 If paying annually: $330 If paying monthly: $28.71
Age 37 If paying annually: $350 If paying monthly: $30.63
Age 38 If paying annually: $375 If paying monthly: $32.63
Age 39 If paying annually: $400 If paying monthly: $34.80
The Best Standard Rates for a $250,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $505 If paying monthly: $44.44
Age 36 If paying annually: $527.50 If paying monthly: $47.48
Age 37 If paying annually: $547.50 If paying monthly: $49.28
Age 38 If paying annually: $582.50 If paying monthly: $52.43
Age 39 If paying annually: $632.50 If paying monthly: $56.74
The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $535 If paying monthly: $46.28
Age 36 If paying annually: $570 If paying monthly: $49.31
Age 37 If paying annually: $605 If paying monthly: $52.33
Age 38 If paying annually: $660 If paying monthly: $57.09
Age 39 If paying annually: $730 If paying monthly: $63.15
The Best Standard Rates for a $500,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $925 If paying monthly: $80.94
Age 36 If paying annually: $985 If paying monthly: $87.06
Age 37 If paying annually: $1,025 If paying monthly: $92.25
Age 38 If paying annually: $1,095 If paying monthly: $98.55
Age 39 If paying annually: $1,195 If paying monthly: $107.55
The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $975 If paying monthly: $84.34
Age 36 If paying annually: $1,045 If paying monthly: $90.39
Age 37 If paying annually: $1,135 If paying monthly: $98.18
Age 38 If paying annually: $1,235 If paying monthly: $106.83
Age 39 If paying annually: $1,365 If paying monthly: $118.07
The Best Standard Rates for a $1,000,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $1,760 If paying monthly: $153.56
Age 36 If paying annually: $1,820 If paying monthly: $163.80
Age 37 If paying annually: $1,900 If paying monthly: $171
Age 38 If paying annually: $2,030 If paying monthly: $182.70
Age 39 If paying annually: $2,220 If paying monthly: $197.78
2. Male Smoker, Age 35 to 39
The Best Standard Rates for a $100,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $343 If paying monthly: $29.60
Age 36 If paying annually: $361 If paying monthly: $31.15
Age 37 If paying annually: $382 If paying monthly: $32.97
Age 38 If paying annually: $405 If paying monthly: $34.95
Age 39 If paying annually: $430 If paying monthly: $37.11
The Best Standard Rates for a $100,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $539 If paying monthly: $47.16
Age 36 If paying annually: $573 If paying monthly: $49.90
Age 37 If paying annually: $610 If paying monthly: $52.36
Age 38 If paying annually: $650 If paying monthly: $55.25
Age 39 If paying annually: $691 If paying monthly: $58.74
The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $677.50 If paying monthly: $58.47
Age 36 If paying annually: $721 If paying monthly: $62.22
Age 37 If paying annually: $769.50 If paying monthly: $66.41
Age 38 If paying annually: $823 If paying monthly: $71.02
Age 39 If paying annually: $880.50 If paying monthly: $75.99
The Best Standard Rates for a $250,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $1,116.25 If paying monthly: $97.67
Age 36 If paying annually: $1,210.63 If paying monthly: $105.93
Age 37 If paying annually: $1,313 If paying monthly: $114.89
Age 38 If paying annually: $1,424 If paying monthly: $124.60
Age 39 If paying annually: $1,544.43 If paying monthly: $135.14
The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $1,131 If paying monthly: $97.61
Age 36 If paying annually: $1,205 If paying monthly: $103.99
Age 37 If paying annually: $1,286 If paying monthly: $110.98
Age 38 If paying annually: $1,377 If paying monthly: $118.84
Age 39 If paying annually: $1,478 If paying monthly: $127.55
The Best Standard Rates for a $500,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $2,144.75 If paying monthly: $184.97
Age 36 If paying annually: $2,270 If paying monthly: $197.49
Age 37 If paying annually: $2,420 If paying monthly: $210.54
Age 38 If paying annually: $2,620 If paying monthly: $227.94
Age 39 If paying annually: $2,870 If paying monthly: $249.69
The Best Standard Rates for a $750,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $2,116 If paying monthly: $182.61
Age 36 If paying annually: $2,260 If paying monthly: $195.04
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Age 37 If paying annually: $2,416 If paying monthly: $208.50
Age 38 If paying annually: $2,592 If paying monthly: $223.69
Age 39 If paying annually: $2,788 If paying monthly: $240.60
The Best Standard Rates for a $750,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $3,195 If paying monthly: $281.16
Age 36 If paying annually: $3,375 If paying monthly: $293.63
Age 37 If paying annually: $3,600 If paying monthly: $313.20
Age 38 If paying annually: $3,900 If paying monthly: $339.30
Age 39 If paying annually: $4,275 If paying monthly: $371.93
3. Female Non-smoker, Age 35 to 39
The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $262.50 If paying monthly: $22.71
Age 36 If paying annually: $277.50 If paying monthly: $24
Age 37 If paying annually: $290 If paying monthly: $25.09
Age 38 If paying annually: $312.50 If paying monthly: $27.25
Age 39 If paying annually: $327.50 If paying monthly: $28.33
The Best Standard Rates for a $250,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $382.50 If paying monthly: $33.28
Age 36 If paying annually: $405 If paying monthly: $35.24
Age 37 If paying annually: $425 If paying monthly: $37.41
Age 38 If paying annually: $437.50 If paying monthly: $39.38
Age 39 If paying annually: $457.50 If paying monthly: $41.18
The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $435 If paying monthly: $39.15
Age 36 If paying annually: $470 If paying monthly: $42.30
Age 37 If paying annually: $515 If paying monthly: $44.98
Age 38 If paying annually: $545 If paying monthly: $47.14
Age 39 If paying annually: $580 If paying monthly: $50.17
The Best Standard Rates for a $500,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $705 If paying monthly: $61.34
Age 36 If paying annually: $750 If paying monthly: $65.25
Age 37 If paying annually: $780 If paying monthly: $69.59
Age 38 If paying annually: $805 If paying monthly: $72.45
Age 39 If paying annually: $845 If paying monthly: $76.05
The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $800 If paying monthly: $72
Age 36 If paying annually: $865 If paying monthly: $74.82
Age 37 If paying annually: $915 If paying monthly: $79.15
Age 38 If paying annually: $975 If paying monthly: $84.34
Age 39 If paying annually: $1,050 If paying monthly: $92.12
The Best Standard Rates for a $1,000,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $1,325 If paying monthly: $115.28
Age 36 If paying annually: $1,380 If paying monthly: $123.81
Age 37 If paying annually: $1,420 If paying monthly: $127.80
Age 38 If paying annually: $1,470 If paying monthly: $132.30
Age 39 If paying annually: $1,550 If paying monthly: $139.50
4. Female Smoker, Age 35 to 39
The Best Standard Rates for a $100,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $298 If paying monthly: $26.08
Age 36 If paying annually: $316.67 If paying monthly: $27.71
Age 37 If paying annually: $335 If paying monthly: $29.43
Age 38 If paying annually: $357 If paying monthly: $31.26
Age 39 If paying annually: $379.43 If paying monthly: $33.20
The Best Standard Rates for a $100,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $397 If paying monthly: $34.74
Age 36 If paying annually: $427 If paying monthly: $37.36
Age 37 If paying annually: $458 If paying monthly: $40.08
Age 38 If paying annually: $490 If paying monthly: $42.88
Age 39 If paying annually: $525 If paying monthly: $45.94
The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $562.50 If paying monthly: $49.22
Age 36 If paying annually: $600.50 If paying monthly: $52.30
Age 37 If paying annually: $641.08 If paying monthly: $54.80
Age 38 If paying annually: $684.40 If paying monthly: $57.92
Age 39 If paying annually: $730.63 If paying monthly: $61.47
The Best Standard Rates for a $250,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $880 If paying monthly: $77
Age 36 If paying annually: $945 If paying monthly: $82.22
Age 37 If paying annually: $1,005 If paying monthly: $87.44
Age 38 If paying annually: $1,085 If paying monthly: $94.40
Age 39 If paying annually: $1,151.50 If paying monthly: $102.57
The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy
Age 35 If paying annually: $994.50 If paying monthly: $86.39
Age 36 If paying annually: $1,073.75 If paying monthly: $92.77
Age 37 If paying annually: $1,156 If paying monthly: $99.76
Age 38 If paying annually: $1,242 If paying monthly: $107.18
Age 39 If paying annually: $1,328 If paying monthly: $114.61
The Best Standard Rates for a $500,000 30 Year Term Life Insurance Policy
Age 35 If paying annually: $1,575 If paying monthly: $138.60
Age 36 If paying annually: $1,700 If paying monthly: $149.60
Age 37 If paying annually: $1,835 If paying monthly: $161.48
Age 38 If paying annually: $1,985 If paying monthly: $174.68
Age 39 If paying annually: $2,145 If paying monthly: $188.76
Thanks for reading this term life insurance rates review for people 35 to 39 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, with no single insurance company having the best rates for everyone.
What do you think about this term life insurance review for people in their mid to late 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.
