By contrast, a 50 year -
old male smoker would be given a «Standard» rating, and could expect to pay $ 500 or more per month for the same 20 - year, $ 500,000 term life policy.
On the low end, a 30 - year -
old male smoker would spend $ 3,628 per year on premiums for a $ 500,000 policy and a 45 - year -
old male smoker would pay around $ 7,490 on the low end.
We said earlier that a $ 500,000 30 year term for a 35 year
old male smoker would be $ 2,160 annually — compare that to an Annual Renewable Term for the same amount, which would be $ 210 Annually!
For instance, 10 - year term policies for $ 500,000 of insurance for a 35 - year
old male smoker in Ontario have annual premiums ranging from just over $ 500 to more than $ 1,000, depending on which insurer you choose.
By contrast, a 50 year -
old male smoker would be given a «Standard» rating, and could expect to pay $ 500 or more per month for the same 20 - year, $ 500,000 term life policy.
Not exact matches
While prevalence declined, because of the growth in population
older than 15 years of age, there has been a continuous increase in the number of men and women who smoke daily, increasing from 721 million in 1980 to 967 million in 2012, with a 41 percent increase in the number of
male daily
smokers and a 7 percent increase for female
smokers.
Among the 50 trials, 30 were primary prevention trials (general populations,
smokers and workers exposed to asbestos, patients with oesophageal dysplasia,
male physicians, patients with non-melanoma skin cancer, postmenopausal women, patients undergoing chronic haemodialysis, patients with end stage renal disease, ambulatory elderly women with vitamin D insufficiency, patients with chronic renal failure,
older people with femoral neck fractures, patients with diabetes mellitus, elderly women with a low serum 25 - hydroxyvitamin D concentration, health professionals, people with a high fasting plasma total homocysteine concentration, or kidney transplant recipients), and 20 were secondary prevention trials (patients with cardiovascular disease, coronary heart disease, acute myocardial infarction, unstable angina, transient ischaemic attack, stroke, angiographically proved coronary atherosclerosis, vascular disease, or aortic valve stenosis).
68 year
old man with young heart, loves walks with holding hands, going any place at a moments notice, I have the ability to do what ever you want to do within reason for our happiness being together, white
male with my own real black curly hair with facial hair, non
smoker, social drinker at...
hi i am a 73 year
old divorced white
male (very lonely) ddfree non
smoker sociable drinker love the outdoors, fishing camping, music concerts football beach, rides on country roads leading to where ever an being with someone special.
I am an Italian
male, 33 yrs
old, 5» 10», clean, safe, husky bear - type, educated, employed, non
smoker, funny, friendly.
im a 57 year
old white
male.6; 3 172 lbs thining brown hair.blue eyes and a mustache.non -
smoker and a non-drinker.
Hi Sreekant, I am a 39 yr
old male (DOB: 18/02/1976), non
smoker.
This allows the insurer to assess a fair price (e.g.,
smokers,
males,
older people pay more).
We will use annual rates for a 30 - year -
old male tobacco user (cigarette
smoker) in good health with a 20 - year Term life insurance plan design and a $ 500,000 face amount with a rate class of «Standard Tobacco».
On the other hand, Joe who is also a 30 year
old male is a cigarette
smoker.
Here is a sample rate and case to consider: a 40 year
old male, non
smoker, in perfect health with no other underwriting conditions.
Say a 50 year
old healthy
male smoker needs $ 500,000, 30 year term.
While nearly half (49 percent) of 35 - year -
old male tobacco users will incur a critical illness before age 65, only 35 percent of female
smokers will according to the report.
Hi Sreekanth, I am
male, non
smoker 34 years
old, want a Term plan.
Im a 44 yr
old male, non
smoker, non drinker, with slightly high blood pressure.
For example, if a 30 year
old male qualifying for a preferred tobacco rate class wanted the most affordable life insurance for
smokers, he would want to choose Assurity.
** Premium for 30 year
old, Non
Smoker Male.
Hi Sreekant, I am a 39 yr
old male (DOB: 18/02/1976), non
smoker.
Individuals under age 46, women, nonsmokers and individuals in good health routinely enjoy lower life insurance premiums than
males,
older people and
smokers.
A sample quote for a $ 500,000, 20 - year term life insurance policy for a 30 - year -
old male has a monthly premium of $ 20.88 per month for a nonsmoker and $ 77 per month for a
smoker.
Premium rates are for 30 years
old, non -
smoker / non-tobacco user
male and Rs. 50 lacs Sum Assured.
The average life insurance quote for a 40 - year -
old male chain
smoker is very different from the average quote for a 30 - year -
old female with a clean bill of health.
Take a look at a sampling of rates for a
male forty - year -
old smoker who is otherwise healthy.
Monthly rates for
male smokers who are 35 years
old can range between ~ $ 50 and ~ $ 130, while monthly rates for
male smokers who are 50 years
old can range between ~ $ 180 and ~ $ 520.