Click Here to Print This Sample Spreadsheet
NOTE: Some companies offer even lower premiums than those used in this sample. Your ability to qualify for those lower premiums is dependent on you fitting the preferred health profile for those products. The www.term4sale.com comparisons give you an option to examine that health criteria by giving the comparison software more information such as your height and weight, blood pressure, cholesterol, etc.
Today's Date is: March
26th, 2007
Premiums quoted are for California
The analysis is for a total
insurance death benefit of $500,000
Premiums are based upon a 35
year old Male Non-Smoker in Preferred health.
|
1. |
New York Life Insurance Company |
Five Year Term |
Preferred Non-Smoker |
Pf |
|
2. |
Ohio National Life Assurance Corporation |
Term 10 |
Preferred Non-Smoker |
Pf |
|
3. |
Ohio National Life Assurance Corporation |
Term 15 |
Preferred Non-Smoker |
Pf |
|
4. |
Savings Bank Life Insurance Co of MA |
T-20/20 - 20 Year Term Guaranteed 20 |
Preferred Non-Nicotine |
Pf |
|
5. |
Savings Bank Life Insurance Co of MA |
T-25/25 - 25 Year Term Guaranteed 25 |
Preferred Non-Nicotine |
Pf |
|
6. |
MetLife Investors USA Insurance Company |
Guaranteed Level Term 30 |
Preferred Plus Nonsmoker |
Pf |
|
Guaranteed Annual Premium |
|
Year |
Product 1 |
Product 2 |
Product 3 |
Product 4 |
Product 5 |
Product 6 |
|
1 |
340.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
2 |
340.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
3 |
340.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
4 |
340.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
5 |
340.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
Accumulated |
1,700.00 |
825.00 |
1,250.00 |
1,725.00 |
2,350.00 |
2,645.00 |
|
Premium Cost |
|
|
|
|
|
|
|
6 |
2,055.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
7 |
2,210.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
8 |
2,370.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
9 |
2,555.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
10 |
2,735.00 |
165.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
Accumulated |
13,625.00 |
1,650.00 |
2,500.00 |
3,450.00 |
4,700.00 |
5,290.00 |
|
Premium Cost |
|
|
|
|
|
|
|
11 |
2,955.00 |
2,455.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
12 |
3,190.00 |
2,635.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
13 |
3,445.00 |
2,845.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
14 |
3,715.00 |
2,990.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
15 |
4,025.00 |
3,080.00 |
250.00 |
345.00 |
470.00 |
529.00 |
|
Accumulated |
30,955.00 |
15,655.00 |
3,750.00 |
5,175.00 |
7,050.00 |
7,935.00 |
|
Premium Cost |
|
|
|
|
|
|
|
16 |
4,345.00 |
3,330.00 |
2,985.00 |
345.00 |
470.00 |
529.00 |
|
17 |
4,730.00 |
3,625.00 |
3,355.00 |
345.00 |
470.00 |
529.00 |
|
18 |
5,180.00 |
3,820.00 |
3,785.00 |
345.00 |
470.00 |
529.00 |
|
19 |
5,675.00 |
4,130.00 |
4,275.00 |
345.00 |
470.00 |
529.00 |
|
20 |
6,255.00 |
4,480.00 |
4,845.00 |
345.00 |
470.00 |
529.00 |
|
Accumulated |
57,140.00 |
35,040.00 |
22,995.00 |
6,900.00 |
9,400.00 |
10,580.00 |
|
Premium Cost |
|
|
|
|
|
|
|
21 |
6,895.00 |
4,595.00 |
5,495.00 |
12,365.00 |
470.00 |
529.00 |
|
22 |
7,600.00 |
4,685.00 |
6,230.00 |
13,410.00 |
470.00 |
529.00 |
|
23 |
8,355.00 |
4,685.00 |
7,030.00 |
14,500.00 |
470.00 |
529.00 |
|
24 |
9,170.00 |
6,005.00 |
7,920.00 |
15,625.00 |
470.00 |
529.00 |
|
25 |
10,085.00 |
7,285.00 |
8,990.00 |
16,835.00 |
470.00 |
529.00 |
|
Accumulated |
99,245.00 |
62,295.00 |
58,660.00 |
79,635.00 |
11,750.00 |
13,225.00 |
|
Premium Cost |
|
|
|
|
|
|
|
26 |
11,110.00 |
8,705.00 |
10,215.00 |
18,170.00 |
18,170.00 |
529.00 |
|
27 |
12,250.00 |
10,280.00 |
11,530.00 |
19,680.00 |
19,680.00 |
529.00 |
|
28 |
13,545.00 |
12,050.00 |
13,130.00 |
21,470.00 |
21,470.00 |
529.00 |
|
29 |
15,020.00 |
14,040.00 |
14,980.00 |
23,530.00 |
23,530.00 |
529.00 |
|
30 |
16,695.00 |
16,255.00 |
17,020.00 |
25,870.00 |
25,870.00 |
529.00 |
|
Accumulated |
167,865.00 |
123,625.00 |
125,535.00 |
188,355.00 |
120,470.00 |
15,870.00 |
|
Premium Cost |
|
|
|
|
|
|
|
31 |
18,540.00 |
18,680.00 |
19,320.00 |
28,440.00 |
28,440.00 |
18,324.00 |
|
32 |
20,525.00 |
21,255.00 |
21,850.00 |
31,135.00 |
31,135.00 |
20,139.00 |
|
33 |
22,680.00 |
23,995.00 |
24,645.00 |
33,970.00 |
33,970.00 |
21,984.00 |
|
34 |
24,990.00 |
26,860.00 |
27,575.00 |
36,925.00 |
36,925.00 |
23,964.00 |
|
35 |
27,510.00 |
29,880.00 |
30,665.00 |
40,085.00 |
40,085.00 |
26,019.00 |
|
Accumulated |
282,110.00 |
244,295.00 |
249,590.00 |
358,910.00 |
291,025.00 |
126,300.00 |
|
Premium Cost |
|
|
|
|
|
|
|
36 |
30,350.00 |
33,310.00 |
34,010.00 |
43,690.00 |
43,690.00 |
28,509.00 |
|
37 |
34,095.00 |
37,610.00 |
38,205.00 |
47,830.00 |
47,830.00 |
31,294.00 |
|
38 |
37,290.00 |
41,345.00 |
41,785.00 |
52,695.00 |
52,695.00 |
34,949.00 |
|
39 |
41,560.00 |
46,550.00 |
46,570.00 |
58,430.00 |
58,430.00 |
38,809.00 |
|
40 |
46,355.00 |
51,920.00 |
51,940.00 |
64,945.00 |
64,945.00 |
42,869.00 |
|
Accumulated |
471,760.00 |
455,030.00 |
462,100.00 |
626,500.00 |
558,615.00 |
302,730.00 |
|
Premium Cost |
|
|
|
|
|
|
|
Year |
Product 1 |
Product 2 |
Product 3 |
Product 4 |
Product 5 |
Product 6 |
|
Premium Modes |