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Term life insurance is meant to provide insurance for a specified period of time, for example, during the time when the children are still dependent on you. Term Life is the least expensive life insurance.
The I.I.I. estimates that, for example, the annual premium for a 40-year-old male nonsmoker buying a $500,000 20-year level term life insurance policy in 2008 was about $725 if he qualifies as a “standard” risk and $350 if he meets the requirements of a “preferred” risk. Rates for women and younger people would be lower. The rate for a 40-year-old female nonsmoker would be about $600 for a standard risk and $300 for a preferred risk. Premiums for smokers will be higher. For the same policy, a 40-year-old male smoker who otherwise qualifies as a preferred risk would pay about $1,400 (or about $1,775 if he qualifies as a standard risk). Comparable premiums for a female smoker who otherwise qualifies as a preferred risk are $1,000 or $1,350 for a standard risk.
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