Sentences with phrase «year term policy with»

As an example the 20 year term policy with 14 years left on the guarantee has a premium of $ 800 a year.

An alternative would be to purchase a 30 year term policy with $ 100,000 death benefit, and the balance on a 20 year term.

For example, a nonsmoking 30 - year - old woman in excellent health might be able to get a 20 - year term policy with a death benefit of $ 1 million for $ 480 per year.

If you were to purchase only a 10 year term policy with the idea that you would purchase a new 10 year term policy at the end of the first term, you are at risk of paying much higher rates for the next policy, due to age and change in health status.

Compare the average rate for a standard 10 - year term policy with $ 500k of coverage:

Yearly Renewable Term Life Insurance This is really a one year term policy with what you may call an option to renew it each year, on the policy anniversary.

For a 50 - year - old male in good health, a $ 500,000, 20 - year term policy with a conversion option will cost about $ 60.00 a month.

We recommended that Robert purchase a 15 - year term policy with a $ 250,000 death benefit to ensure that his income would be replaced for his wife if he passed away before he retired.

You can buy a 20 - or 30 - year term policy with the expectation that your kids will be able to provide for themselves by its end, and when you and your partner will also hopefully be reaping the rewards of prudent investing, not to mention Social Security and pensions.

For example, a 20 - year term policy with a death benefit of $ 100,000 may cost $ 25 a month.

The following table shows how age and smoking affect monthly premiums, based on a 20 - year term policy with a $ 100,000 death benefit (I excluded Lincoln Financial because it requires a minimum death benefit of $ 250,000).

The rates shown are for a 10 - year term policy with $ 1,000,000 in coverage.

What you need to understand is that you are paying the premium for a one year term policy with a rate that is the correct rate for that particular age... All life insurance risks are calculated in the same manner but to appreciate the fact that some premiums remain level and others are constantly on the rise like the annual renewable term life policy we need to look at the premium structure of some other policies.

To compare term life insurance rates by age, we analyzed the cost of the most popular type of coverage: a 20 year term policy with a death benefit of $ 250,000.

Consider the non-smoking 50 year old male in need of a 20 year term policy with a face amount of $ 500,000.

Let's say a woman has a 20 - year term policy with a 10 - year conversion clause.

(Click to enlarge) This illustration shows that an annually renewable term can be cheaper than a 10 - year term policy with level premiums because the 10 - year policy's premiums factor in the increased likelihood of death in the later years.

A healthy 30 year old non-smoking male (even cheaper for a female) can buy a 20 year term policy with $ 500,000 in death benefits for around $ 246 dollars per year.

Let's say the income earner is a 40 year old male in good health, he'll pay just $ 55.63 per month for a 20 year term policy with $ 2 Million in coverage!

At 25 years of age, a non-smoker in good health could easily buy a 30 year term policy with $ 500,000 dollars in death benefits for as little as $ 30.00 per month.

A 35 - year - old woman in excellent health can buy a 20 - year term policy with a death benefit of $ 500,000 for as little as $ 18.50 per month.

If you want a quote for a 30 year term policy with no medical exam you need to call us for that type of quote, as you will not be able to get it with our rater above.

Example: An otherwise healthy 40 - year old male applying for a $ 500,000 20 - year term policy with minimal COPD may be approved for a preferred class.

For instance, a 10 - year term policy with a face value of $ 200,000 would pay $ 200,000 if the insured died between that 10 - year term policy.

A 10 year term policy with a conversion to permanent insurance may be a good solution for high net worth individuals whose estate value is approaching the current taxable threshold, but now quite there.

If a 40 - year - old buys a $ 250,000 20 - year term policy with return of premium, the policy would cost $ 884 per year.

With some companies, if you are in a 20 year term policy with ROP and at the 16th year you decide you're done, then you get your premiums back.

If you are like most people and you still need to maintain life insurance after the initial 10 year period your best options will be to replace your current 10 - year term policy with a new policy usually from another insurance company (that will offer the most competitive rates).

He is looking for a 30 - year term policy with a face amount of $ 1,000,000.

If you are wasting approximately $ 500 per year on a gym membership you never use, a 50 year old healthy non-smoking male could easily afford a 20 Year Term policy with $ 250,000 in death benefits at a cost of about $ 528.00 per year.

How much would a 30 year old male pay for a 20 Year Term policy with $ 250,000 in death benefits?

For this savings plus an additional $ 40.00, a healthy non-smoking 30 year old male could purchase a 20 Year Term policy with $ 500,000 in coverage for a total of $ 249.12 per year.

Consider this: a traditional 30 - year term policy with a $ 1,000,000 face amount (similar to the example above) might cost $ 6,000 per year.

He may qualify for a 20 year term policy with Pruco Life Insurance for $ 1 Million death benefit for $ 106 per month.

Joe is interested in purchasing a 20 - year term policy with a face amount of $ 1,000,000 from the Banner Life insurance company.

If a 40 year old buys a $ 250,000 20 year term policy with Return of Premium, here is the cost: The policy would cost $ 884 per year.

A healthy 30 year old male could buy a 20 Year Term Policy with $ 500,000 in death benefits for approximately $ 249.12 per year and still be able to drink the odd soda pop.

A 50 year old healthy non-smoking male could afford a 20 year term policy with $ 250,000 of death benefits coverage for $ 528 and still have some spending money left over.

Applicant 1 applies for a 20 - year term policy with $ 250,000 in coverage.

For example, if you want a 30 - year term policy with a coverage amount of $ 750,000, but don't believe you can afford to keep up with the premiums long - term, then consider instead a smaller coverage amount or shorter term.

She can qualify for Standard Plus and for a 20 - year term policy with $ 250,000 in coverage her premiums could be as low as $ 59 per month.

John's premium cost for a 30 - year term policy with $ 250,000 in coverage can be as low as $ 21 per month.

You purchase a 20 - year term policy with a 10 - year conversion clause.

To illustrate the difference in investing the difference insurance and whole life insurance, consider a scenario where a healthy 35 year old male invests in a 30 year term policy with a $ 400 premium, and another 35 year old male invests in a whole life insurance with a premium costing $ 4000 annually.

If you buy a 20 - year term policy with a $ 100,000 death benefit, you pay the same premiums every year for 20 years.

For example, a 20 year Term policy with the same face amount will be a duplicate from one company to another.

«Michael is 50 years old, in excellent health and applies for a $ 250,000 20 year term policy with a medical exam pays $ 58.00 per month.

You can even find a 35 year term policy with a return of premium rider.

For that amount, a person of the same age who qualified at standard rates could buy a 20 - year term policy with more than 15 times the coverage.

Instead of applying for a brand new 30 - year policy with a $ 500,000 coverage amount, you can opt to add to your current coverage with a new 10 - year term policy with a face amount of $ 250,000.