Sample $1,000,000 Life Insurance Rates

Scott Thiltgen Scott Thiltgen
512-963-5000

Posted in Advice FAQs Reviews Risk Uncategorized

Million dollars

Your CPA tells you need to up your life insurance coverage to $1,000,000 to cover your income so your family can still live the life style they are use to when you die. There are many ways to take care of this task but the most cost effective method is with term life insurance. But best way to look at this is to lock your rate in for as long as possible as cheap as possible.

Whether you are a parent and husband that wish to leave your partner enough money to cover the mortgage, get the kids through college, and live an appropriate life. Or you are a high-net-worth man or woman who needs the insurance coverage policy to cover estate taxes, final expenses, outstanding debts, etc. You may be a business owner in a partnership, and the life insurance policy will be used to buy your share of the business and pay off your spouse.

We will discuss most of the reason below in why you may want a million dollar term policy. One of the primary misconceived notions this kind of a large policy is that they cost is a lot. For some reason I really believe that people think that a million dollar insurance plan costs 1 million dollars. It does not!

If you’re among those who do not think they want life insurance , reconsider that thought. You can find very clear benefits for purchasing a life insurance plan. Understand that the income generated by your life insurance policy when you finally go 6 feet under can address a number of fundamental needs of the surviving family. Why you should obtain term life insurance… our “Top Ten List”.

10. To protect your family if you lose a job or change jobs which had provided life insurance policies.

9. To fund funeral expenses, loans or any outstanding debt.

8. To cover your children’s future education expenses if you’re not there to give you.

7. To supply funds for your needs to pay off a home mortgage.

6. To protect a company by letting partner/beneficiaries buy out a deceased partner’s business interests.

5. To create an example of responsibility and family values for the children.

4. To present child care or elder take care of aging parents if the most effective caregiver/provider passes away.

3. To provide peace of mind for the family members in uncertain financial times.

2. To comfort all your family members in an arduous time of loss and grief.

1. You do it for love. To insure those you love probably the most by leaving them a legacy you will ever have.

Here is a Sample of $1,000,000 Life Insurance Rates.

Now for up to date rates run rates on my Quote Engine on the side of the page

$1,000,000 Life Insurance Top Rates Sample Quote for a 10 year term life insurance policy.

 

Male age 30

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 235.00 20.33 63.45 122.20
2. Ohio National Life Assurance Corporation 245.00 21.19 66.15 127.40
3. Protective Life Insurance Company 247.47 21.28 63.47 125.86
4. AAA Life Insurance Company 250.00 22.00 65.00 130.00
5. MetLife Insurance Company USA 259.00 23.31 69.93 137.27
6. United of Omaha Life Insurance Company 262.50 22.97 72.19 136.50

 

Female age 30

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 215.00 18.60 58.05 111.80
2. Protective Life Insurance Company 218.95 18.83 56.16 111.36
3. MetLife Insurance Company USA 219.00 19.71 59.13 116.07
4. AAA Life Insurance Company 220.00 19.36 57.20 114.40
5. The Penn Mutual Life Insurance Company 220.00 19.14 57.42 112.42
6. Ohio National Life Assurance Corporation 225.00 19.46 60.75 117.00

 

Male age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 235.00 20.33 63.45 122.20
2. Ohio National Life Assurance Corporation 245.00 21.19 66.15 127.40
3. AAA Life Insurance Company 250.00 22.00 65.00 130.00
4. Protective Life Insurance Company 256.96 22.10 65.91 130.69
5. MetLife Insurance Company USA 259.00 23.31 69.93 137.27
6. United of Omaha Life Insurance Company 262.50 22.97 72.19 136.50

 

Female age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 215.00 18.60 58.05 111.80
2. AAA Life Insurance Company 220.00 19.36 57.20 114.40
3. Ohio National Life Assurance Corporation 225.00 19.46 60.75 117.00
4. Protective Life Insurance Company 228.45 19.65 58.59 116.19
5. MetLife Insurance Company USA 229.00 20.61 61.83 121.37
6. The Penn Mutual Life Insurance Company 230.00 20.01 60.03 117.53

 

Male age 4o

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 315.00 27.25 85.05 163.80
2. MetLife Insurance Company USA 319.00 28.71 86.13 169.07
3. Ohio National Life Assurance Corporation 335.00 28.98 90.45 174.20
4. Protective Life Insurance Company 337.76 29.04 86.63 171.78
5. The Penn Mutual Life Insurance Company 340.00 29.58 88.74 173.74
6. Principal National Life Insurance Co 340.00 29.75 89.25 174.25

 

Female age 40

Company Name Annual Monthly Quarterly Semi-Annual
1. MetLife Insurance Company USA 289.00 26.01 78.03 153.17
2. Ohio National Life Assurance Corporation 295.00 25.52 79.65 153.40
3. Protective Life Insurance Company 304.51 26.19 78.10 154.87
4. Ohio National Life Assurance Corporation 305.00 26.38 82.35 158.60
5. Security Mutual Life Insurance Co of NY 305.00 27.45 82.35 161.65
6. The Penn Mutual Life Insurance Company 310.00 26.97 80.91 158.41

 

Male age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 545.00 47.14 147.15 283.40
2. Lincoln National Life Insurance Company 550.00 48.13 144.10 283.25
3. Protective Life Insurance Company 556.44 47.85 142.71 283.00
4. Security Mutual Life Insurance Co of NY 565.00 50.85 152.55 299.45
5. Savings Bank Life Insurance Co of MA 567.00 49.33 147.42 289.17
6. John Hancock Life Insurance Company USA 569.00 53.00 151.30 291.50

 

Female age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 475.00 41.09 128.25 247.00
2. Protective Life Insurance Company 494.67 42.54 126.87 251.58
3. Lincoln National Life Insurance Company 504.00 44.10 132.05 259.56
4. Ohio National Life Assurance Corporation 505.00 43.68 136.35 262.60
5. Security Mutual Life Insurance Co of NY 505.00 45.45 136.35 267.65
6. Banner Life Insurance Company 507.99 44.45 132.08 259.07

 

Male age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. Lincoln National Life Insurance Company 863.00 75.51 226.11 444.45
2. Protective Life Insurance Company 870.21 74.82 223.19 442.57
3. Ohio National Life Assurance Corporation 875.00 75.69 236.25 455.00
4. Principal National Life Insurance Co 895.00 78.31 234.94 458.69
5. John Hancock Life Insurance Company USA 896.00 81.70 237.90 459.90
6. AAA Life Insurance Company 900.00 79.20 234.00 468.00

 

Female age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 710.00 62.48 184.60 369.20
2. Ohio National Life Assurance Corporation 715.00 61.85 193.05 371.80
3. Protective Life Insurance Company 732.33 62.97 187.82 372.45
4. Lincoln National Life Insurance Company 743.00 65.01 194.67 382.65
5. Banner Life Insurance Company 744.99 65.19 193.70 379.94
6. Midland National Life Insurance Company 745.00 65.56 204.13 388.89

 

Male age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 1,495.00 129.32 403.65 777.40
2. Protective Life Insurance Company 1,507.28 129.60 386.57 766.57
3. Lincoln National Life Insurance Company 1,534.00 134.23 401.91 790.01
4. John Hancock Life Insurance Company USA 1,549.00 138.80 411.00 796.20
5. Banner Life Insurance Company 1,549.99 135.62 403.00 790.49
6. Principal National Life Insurance Co 1,550.00 135.63 406.88 794.38

 

Female age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. Lincoln National Life Insurance Company 1,090.00 95.38 285.58 561.35
2. Security Mutual Life Insurance Co of NY 1,095.00 98.55 295.65 580.35
3. Minnesota Life Insurance Company 1,105.00 97.24 298.35 574.60
4. Protective Life Insurance Company 1,112.66 95.67 285.37 565.87
5. Ohio National Life Assurance Corporation 1,115.00 96.45 301.05 579.80
6. AAA Life Insurance Company 1,150.00 101.20 299.00 598.00

 

Male age 60

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 2,435.00 210.63 657.45 1,266.20
2. Protective Life Insurance Company 2,491.31 214.20 638.94 1,267.02
3. John Hancock Life Insurance Company USA 2,518.00 223.60 667.80 1,295.30
4. Lincoln National Life Insurance Company 2,529.00 221.29 662.60 1,302.44
5. Midland National Life Insurance Company 2,535.00 223.08 694.59 1,323.27
6. North American Co for Life and Health 2,535.00 223.08 694.59 1,323.27

 

Female age 60

# Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 1,615.00 139.70 436.05 839.80
2. Protective Life Insurance Company 1,626.11 139.81 417.05 827.00
3. Lincoln National Life Insurance Company 1,643.00 143.76 430.47 846.15
4. Savings Bank Life Insurance Co of MA 1,675.00 145.73 435.50 854.25
5. Banner Life Insurance Company 1,679.99 147.00 436.80 856.79
6. Ohio National Life Assurance Corporation 1,685.00 145.75 454.95 876.20

 

Male age 65

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 4,325.00 374.11 1,167.75 2,249.00
2. Protective Life Insurance Company 4,340.50 373.19 1,113.20 2,207.47
3. Lincoln National Life Insurance Company 4,418.00 386.58 1,157.52 2,275.27
4. John Hancock Life Insurance Company USA 4,470.00 394.40 1,185.10 2,300.60
5. Midland National Life Insurance Company 4,475.00 393.80 1,226.15 2,335.95
6. North American Co for Life and Health 4,475.00 393.80 1,226.15 2,335.95

 

Female age 65

Company Name Annual Monthly Quarterly Semi-Annual
1. AXA Equitable Life Insurance Company 2,635.00 227.88 679.64 1,342.03
2. Protective Life Insurance Company 2,676.67 230.14 686.48 1,361.29
3. Minnesota Life Insurance Company 2,705.00 238.04 730.35 1,406.60
4. Ohio National Life Assurance Corporation 2,705.00 233.98 730.35 1,406.60
5. Lincoln National Life Insurance Company 2,710.00 237.13 710.02 1,395.65
6. Midland National Life Insurance Company 2,725.00 239.80 746.65 1,422.45

$1,000,000 Life Insurance Top Rates Sample Quote for a 15 year term life insurance policy.

 

Male age 30

Company Name Annual Monthly Quarterly Semi-Annual
1. Protective Life Insurance Company 290.27 24.96 74.45 147.63
2. American General Life Insurance Company 294.00 25.43 77.91 152.88
3. Ohio National Life Assurance Corporation 295.00 25.52 79.65 153.40
4. MetLife Insurance Company USA 299.00 26.91 80.73 158.47
5. Ohio National Life Assurance Corporation 305.00 26.38 82.35 158.60
6. AAA Life Insurance Company 310.00 27.28 80.60 161.20

 

Female age 30

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 275.00 23.79 74.25 143.00
2. Banner Life Insurance Company 279.38 24.45 72.64 142.48
3. Protective Life Insurance Company 279.39 24.03 71.66 142.10
4. American General Life Insurance Company 284.00 24.57 75.26 147.68
5. Ohio National Life Assurance Corporation 285.00 24.65 76.95 148.20
6. Savings Bank Life Insurance Co of MA 289.99 25.23 75.40 147.89

 

Male age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. Protective Life Insurance Company 299.79 25.78 76.89 152.47
2. Ohio National Life Assurance Corporation 305.00 26.38 82.35 158.60
3. MetLife Insurance Company USA 309.00 27.81 83.43 163.77
4. Ohio National Life Assurance Corporation 315.00 27.25 85.05 163.80
5. The Penn Mutual Life Insurance Company 320.00 27.84 83.52 163.52
6. Midland National Life Insurance Company 325.00 28.60 89.05 169.65

 

Female age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 285.00 24.65 76.95 148.20
2. Banner Life Insurance Company 298.95 26.16 77.73 152.46
3. Protective Life Insurance Company 298.96 25.71 76.68 152.05
4. AAA Life Insurance Company 300.00 26.40 78.00 156.00
5. Midland National Life Insurance Company 305.00 26.84 83.57 159.21
6. North American Co for Life and Health 305.00 26.84 83.57 159.21

 

Male age 4o

Company Name Annual Monthly Quarterly Semi-Annual
1. Protective Life Insurance Company 413.88 35.59 106.15 210.49
2. Ohio National Life Assurance Corporation 415.00 35.90 112.05 215.80
3. Ohio National Life Assurance Corporation 435.00 37.63 117.45 226.20
4. AAA Life Insurance Company 450.00 39.60 117.00 234.00
5. Pacific Life Insurance Company 455.00 37.93 122.85 236.60
6. The Penn Mutual Life Insurance Company 470.00 40.89 122.67 240.17

 

Female age 40

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 395.00 34.17 106.65 205.40
2. Banner Life Insurance Company 406.69 35.59 105.74 207.41
3. Protective Life Insurance Company 406.70 34.97 104.31 206.84
4. MetLife Insurance Company USA 409.00 36.81 110.43 216.77
5. Savings Bank Life Insurance Co of MA 414.98 36.10 107.89 211.64
6. Ohio National Life Assurance Corporation 415.00 35.90 112.05 215.80

 

Male age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. Banner Life Insurance Company 816.99 71.49 212.42 416.66
2. Lincoln National Life Insurance Company 817.00 71.49 214.05 420.76
3. Protective Life Insurance Company 832.18 71.55 213.43 423.23
4. Ohio National Life Assurance Corporation 835.00 72.23 225.45 434.20
5. Principal National Life Insurance Co 835.00 73.06 219.19 427.94
6. Pruco Life Insurance Company 835.00 75.15 221.28 434.20

 

Female age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. Banner Life Insurance Company 617.99 54.07 160.68 315.17
2. Lincoln National Life Insurance Company 618.00 54.08 161.92 318.27
3. Ohio National Life Assurance Corporation 625.00 54.06 168.75 325.00
4. MetLife Insurance Company USA 639.00 57.51 172.53 338.67
5. Ohio National Life Assurance Corporation 645.00 55.79 174.15 335.40
6. Protective Life Insurance Company 646.60 55.60 165.84 328.85

 

Male age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. Banner Life Insurance Company 1,259.99 110.25 327.60 642.59
2. Lincoln National Life Insurance Company 1,260.00 110.25 330.12 648.90
3. American General Life Insurance Company 1,274.00 110.20 337.61 662.48
4. Ohio National Life Assurance Corporation 1,275.00 110.29 344.25 663.00
5. Principal National Life Insurance Co 1,275.00 111.56 334.69 653.44
6. Savings Bank Life Insurance Co of MA 1,278.99 111.27 332.54 652.28

 

Female age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 895.00 77.42 241.65 465.40
2. Banner Life Insurance Company 909.74 79.60 236.53 463.97
3. Lincoln National Life Insurance Company 921.00 80.59 241.30 474.32
4. Midland National Life Insurance Company 925.00 81.40 253.45 482.85
5. North American Co for Life and Health 925.00 81.40 253.45 482.85
6. Protective Life Insurance Company 925.72 79.60 237.42 470.80

 

Male age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. Banner Life Insurance Company 2,000.99 175.09 520.26 1,020.50
2. Lincoln National Life Insurance Company 2,001.00 175.09 524.26 1,030.52
3. Protective Life Insurance Company 2,011.18 172.92 515.81 1,022.84
4. Ohio National Life Assurance Corporation 2,035.00 176.03 549.45 1,058.20
5. Ohio National Life Assurance Corporation 2,055.00 177.76 554.85 1,068.60
6. Principal National Life Insurance Co 2,060.00 180.25 540.75 1,055.75

 

Female age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 1,325.00 114.61 357.75 689.00
2. Lincoln National Life Insurance Company 1,330.00 116.38 348.46 684.95
3. Protective Life Insurance Company 1,346.83 115.80 345.42 684.97
4. Banner Life Insurance Company 1,364.99 119.44 354.90 696.14
5. Ohio National Life Assurance Corporation 1,365.00 118.07 368.55 709.80
6. Principal National Life Insurance Co 1,365.00 119.44 358.31 699.56

 

Male age 60

Company Name Annual Monthly Quarterly Semi-Annual
1. American General Life Insurance Company 3,324.00 287.53 880.86 1,728.48
2. Midland National Life Insurance Company 3,325.00 292.60 911.05 1,735.65
3. North American Co for Life and Health 3,325.00 292.60 911.05 1,735.65
4. Banner Life Insurance Company 3,368.90 294.78 875.91 1,718.14
5. Lincoln National Life Insurance Company 3,390.00 296.63 888.18 1,745.85
6. Transamerica Life Insurance Company 3,410.00 293.26 878.08 1,739.10

 

Female age 60

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 2,165.00 187.27 584.55 1,125.80
2. Banner Life Insurance Company 2,180.21 190.77 566.85 1,111.91
3. Midland National Life Insurance Company 2,195.00 193.16 601.43 1,145.79
4. North American Co for Life and Health 2,195.00 193.16 601.43 1,145.79
5. Lincoln National Life Insurance Company 2,206.00 193.03 577.97 1,136.09
6. Protective Life Insurance Company 2,218.35 190.73 568.94 1,128.20

 

Male age 65

Company Name Annual Monthly Quarterly Semi-Annual
1. American General Life Insurance Company 5,754.00 497.72 1,524.81 2,992.08
2. Midland National Life Insurance Company 5,755.00 506.44 1,576.87 3,004.11
3. North American Co for Life and Health 5,755.00 506.44 1,576.87 3,004.11
4. Transamerica Life Insurance Company 5,970.00 513.42 1,537.28 3,044.70
5. Lincoln National Life Insurance Company 5,990.00 524.13 1,569.38 3,084.85
6. Principal National Life Insurance Co 6,035.00 528.06 1,584.19 3,092.94

 

Female age 65

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 3,575.00 309.24 965.25 1,859.00
2. Protective Life Insurance Company 3,667.81 315.36 940.68 1,865.36
3. Lincoln National Life Insurance Company 3,734.00 326.73 978.31 1,923.01
4. American General Life Insurance Company 3,744.00 323.86 992.16 1,946.88
5. AXA Equitable Life Insurance Company 3,745.00 322.79 964.35 1,907.02
6. Midland National Life Insurance Company 3,745.00 329.56 1,026.13 1,954.89

$1,000,000 Life Insurance Top Rates Sample Quote for a 20 year term life insurance policy.

 

Male age 30

Company Name Annual Monthly Quarterly Semi-Annual
1. Protective Life Insurance Company 412.99 35.51 105.92 210.04
2. Ohio National Life Assurance Corporation 415.00 35.90 112.05 215.80
3. Banner Life Insurance Company 419.04 36.67 108.95 213.71
4. Savings Bank Life Insurance Co of MA 420.00 36.54 109.20 214.20
5. American General Life Insurance Company 424.00 36.68 112.36 220.48
6. Cincinnati Life Insurance Company 425.00 37.40 112.63 218.88

 

Female age 30

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 345.00 29.84 93.15 179.40
2. Banner Life Insurance Company 347.36 30.39 90.31 177.15
3. Protective Life Insurance Company 347.37 29.87 89.09 176.67
4. Savings Bank Life Insurance Co of MA 349.99 30.45 91.00 178.49
5. American General Life Insurance Company 354.00 30.62 93.81 184.08
6. Ohio National Life Assurance Corporation 355.00 30.71 95.85 184.60

 

Male age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. Protective Life Insurance Company 432.95 37.23 111.04 220.19
2. Ohio National Life Assurance Corporation 435.00 37.63 117.45 226.20
3. American General Life Insurance Company 444.00 38.41 117.66 230.88
4. Pacific Life Insurance Company 445.00 37.09 120.15 231.40
5. Principal National Life Insurance Co 445.00 38.94 116.81 228.06
6. John Hancock Life Insurance Company USA 448.00 42.50 119.20 229.20

 

Female age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 365.00 31.57 98.55 189.80
2. Protective Life Insurance Company 371.16 31.92 95.20 188.77
3. Banner Life Insurance Company 378.99 33.16 98.54 193.28
4. MetLife Insurance Company USA 379.00 34.11 102.33 200.87
5. United of Omaha Life Insurance Company 382.50 33.47 105.19 198.90
6. Ohio National Life Assurance Corporation 385.00 33.30 103.95 200.20

 

Male age 4o

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 605.00 52.33 163.35 314.60
2. Protective Life Insurance Company 613.55 52.76 157.36 312.04
3. AAA Life Insurance Company 630.00 55.44 163.80 327.60
4. Ohio National Life Assurance Corporation 635.00 54.93 171.45 330.20
5. John Hancock Life Insurance Company USA 636.00 58.90 169.00 326.00
6. Principal National Life Insurance Co 640.00 56.00 168.00 328.00

 

Female age 40

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 515.00 44.55 139.05 267.80
2. Protective Life Insurance Company 518.51 44.59 132.99 263.71
3. MetLife Insurance Company USA 519.00 46.71 140.13 275.07
4. Banner Life Insurance Company 539.99 47.25 140.40 275.39
5. Principal National Life Insurance Co 540.00 47.25 141.75 276.75
6. Ohio National Life Assurance Corporation 545.00 47.14 147.15 283.40

 

Male age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. Lincoln National Life Insurance Company 1,098.00 96.08 287.68 565.47
2. Protective Life Insurance Company 1,103.21 94.86 282.94 561.07
3. Ohio National Life Assurance Corporation 1,105.00 95.58 298.35 574.60
4. Banner Life Insurance Company 1,110.51 97.17 288.73 566.36
5. John Hancock Life Insurance Company USA 1,114.00 100.70 295.70 572.20
6. Principal National Life Insurance Co 1,120.00 98.00 294.00 574.00

 

Female age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 835.00 72.23 225.45 434.20
2. Banner Life Insurance Company 837.00 73.24 217.62 426.87
3. Protective Life Insurance Company 837.01 71.97 214.67 425.69
4. Lincoln National Life Insurance Company 840.00 73.50 220.08 432.60
5. Principal National Life Insurance Co 855.00 74.81 224.44 438.19
6. Savings Bank Life Insurance Co of MA 859.99 74.82 223.60 438.59

 

Male age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. Lincoln National Life Insurance Company 1,688.00 147.70 442.26 869.32
2. Ohio National Life Assurance Corporation 1,695.00 146.62 457.65 881.40
3. Protective Life Insurance Company 1,697.51 145.95 435.36 863.31
4. John Hancock Life Insurance Company USA 1,698.00 151.80 450.50 873.00
5. Banner Life Insurance Company 1,700.23 148.77 442.06 867.12
6. Principal National Life Insurance Co 1,710.00 149.63 448.88 876.38

 

Female age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. Protective Life Insurance Company 1,222.05 105.07 313.42 621.51
2. Ohio National Life Assurance Corporation 1,225.00 105.96 330.75 637.00
3. Lincoln National Life Insurance Company 1,244.00 108.85 325.93 640.66
4. Banner Life Insurance Company 1,244.99 108.94 323.70 634.94
5. Principal National Life Insurance Co 1,245.00 108.94 326.81 638.06
6. Savings Bank Life Insurance Co of MA 1,250.00 108.75 325.00 637.50

 

Male age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. Lincoln National Life Insurance Company 2,733.00 239.14 716.05 1,407.50
2. Protective Life Insurance Company 2,743.27 235.87 703.56 1,395.16
3. Banner Life Insurance Company 2,781.37 243.37 723.16 1,418.50
4. John Hancock Life Insurance Company USA 2,795.00 247.80 741.20 1,437.90
5. Ohio National Life Assurance Corporation 2,795.00 241.77 754.65 1,453.40
6. AAA Life Insurance Company 2,800.00 246.40 728.00 1,456.00

 

Female age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. Lincoln National Life Insurance Company 1,973.00 172.64 516.93 1,016.10
2. Protective Life Insurance Company 1,982.67 170.47 508.49 1,008.34
3. Ohio National Life Assurance Corporation 1,985.00 171.70 535.95 1,032.20
4. Banner Life Insurance Company 2,010.64 175.93 522.77 1,025.43
5. Principal National Life Insurance Co 2,020.00 176.75 530.25 1,035.25
6. Midland National Life Insurance Company 2,025.00 178.20 554.85 1,057.05

 

Male age 60

Company Name Annual Monthly Quarterly Semi-Annual
1. Protective Life Insurance Company 4,730.44 406.72 1,213.21 2,405.78
2. Ohio National Life Assurance Corporation 4,735.00 409.58 1,278.45 2,462.20
3. Banner Life Insurance Company 4,786.40 418.81 1,244.46 2,441.06
4. AAA Life Insurance Company 4,790.00 421.52 1,245.40 2,490.80
5. Lincoln National Life Insurance Company 4,802.00 420.18 1,258.12 2,473.03
6. John Hancock Life Insurance Company USA 4,828.00 425.70 1,279.90 2,484.90

 

Female age 60

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 3,165.00 273.77 854.55 1,645.80
2. Protective Life Insurance Company 3,185.44 273.88 816.96 1,620.03
3. AAA Life Insurance Company 3,220.00 283.36 837.20 1,674.40
4. Midland National Life Insurance Company 3,225.00 283.80 883.65 1,683.45
5. North American Co for Life and Health 3,225.00 283.80 883.65 1,683.45
6. Lincoln National Life Insurance Company 3,243.00 283.76 849.67 1,670.15

 

Male age 65

Company Name Annual Monthly Quarterly Semi-Annual
1. Ohio National Life Assurance Corporation 8,925.00 772.01 2,409.75 4,641.00
2. Banner Life Insurance Company 8,963.54 784.31 2,330.52 4,571.41
3. Protective Life Insurance Company 9,028.04 776.22 2,315.40 4,591.42
4. Lincoln National Life Insurance Company 9,089.00 795.29 2,381.32 4,680.84
5. Transamerica Life Insurance Company 9,090.00 781.74 2,340.68 4,635.90
6. Principal National Life Insurance Co 9,115.00 797.56 2,392.69 4,671.44

 

Female age 65

Company Name Annual Monthly Quarterly Semi-Annual
1. Midland National Life Insurance Company 5,545.00 487.96 1,519.33 2,894.49
2. Minnesota Life Insurance Company 5,545.00 487.96 1,497.15 2,883.40
3. North American Co for Life and Health 5,545.00 487.96 1,519.33 2,894.49
4. Ohio National Life Assurance Corporation 5,615.00 485.70 1,516.05 2,919.80
5. American General Life Insurance Company 5,624.00 486.48 1,490.36 2,924.48
6. Lincoln National Life Insurance Company 5,852.00 512.05 1,533.22 3,013.78

 

$1,000,000 Life Insurance Top Rates Sample Quote for a 25 year term life insurance policy.

 

Male age 30

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 560.00 49.28 145.60 291.20
2. Cincinnati Life Insurance Company 565.00 49.72 149.73 290.98
3. Protective Life Insurance Company 572.82 49.25 146.91 291.33
4. Transamerica Life Insurance Company 580.00 49.88 149.35 295.80
5. American General Life Insurance Company 584.00 50.52 154.76 303.68
6. Banner Life Insurance Company 589.60 51.59 153.30 300.70

 

 

Female age 30

Company Name Annual Monthly Quarterly Semi-Annual
1. Protective Life Insurance Company 470.02 40.42 120.55 239.04
2. Cincinnati Life Insurance Company 485.00 42.68 128.53 249.78
3. Transamerica Life Insurance Company 490.00 42.14 126.18 249.90
4. Banner Life Insurance Company 491.31 42.99 127.74 250.57
5. American General Life Insurance Company 494.00 42.73 130.91 256.88
6. AAA Life Insurance Company 500.00 44.00 130.00 260.00

 

Male age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 680.00 59.84 176.80 353.60
2. EMC National Life Company 690.00 61.41 182.85 358.80
3. Cincinnati Life Insurance Company 705.00 62.04 186.83 363.08
4. Protective Life Insurance Company 708.66 60.93 181.75 360.41
5. Transamerica Life Insurance Company 720.00 61.92 185.40 367.20
6. American General Life Insurance Company 724.00 62.63 191.86 376.48

 

Female age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. Cincinnati Life Insurance Company 575.00 50.60 152.38 296.13
2. AAA Life Insurance Company 580.00 51.04 150.80 301.60
3. Protective Life Insurance Company 582.53 50.09 149.40 296.26
4. EMC National Life Company 590.00 52.51 156.35 306.80
5. Transamerica Life Insurance Company 590.00 50.74 151.93 300.90
6. Banner Life Insurance Company 593.99 51.97 154.44 302.93

 

Male age 4o

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 970.00 85.36 252.20 504.40
2. Banner Life Insurance Company 1,009.43 88.33 262.45 514.81
3. Protective Life Insurance Company 1,009.44 86.79 258.89 513.38
4. American General Life Insurance Company 1,024.00 88.58 271.36 532.48
5. EMC National Life Company 1,050.00 93.45 278.25 546.00
6. Transamerica Life Insurance Company 1,060.00 91.16 272.95 540.60

 

Female age 40

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 760.00 66.88 197.60 395.20
2. Banner Life Insurance Company 799.86 69.99 207.96 407.93
3. Protective Life Insurance Company 799.87 68.78 205.15 406.80
4. Transamerica Life Insurance Company 830.00 71.38 213.73 423.30
5. American General Life Insurance Company 834.00 72.14 221.01 433.68
6. Savings Bank Life Insurance Co of MA 840.00 73.08 218.40 428.40

 

Male age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 1,660.00 146.08 431.60 863.20
2. EMC National Life Company 1,670.00 148.63 442.55 868.40
3. Cincinnati Life Insurance Company 1,685.00 148.28 446.53 867.78
4. Protective Life Insurance Company 1,688.53 145.18 433.06 858.75
5. Banner Life Insurance Company 1,694.30 148.25 440.52 864.09
6. Transamerica Life Insurance Company 1,700.00 146.20 437.75 867.00

 

Female age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 1,250.00 110.00 325.00 650.00
2. Protective Life Insurance Company 1,255.82 107.98 322.08 638.68
3. EMC National Life Company 1,270.00 113.03 336.55 660.40
4. Banner Life Insurance Company 1,273.99 111.47 331.24 649.73
5. American General Life Insurance Company 1,274.00 110.20 337.61 662.48
6. Transamerica Life Insurance Company 1,300.00 111.80 334.75 663.00

 

Male age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 2,310.00 203.28 600.60 1,201.20
2. Protective Life Insurance Company 2,561.65 220.25 656.98 1,302.79
3. Banner Life Insurance Company 2,584.01 226.10 671.84 1,317.85
4. Transamerica Life Insurance Company 2,610.00 224.46 672.08 1,331.10
5. American General Life Insurance Company 2,614.00 226.11 692.71 1,359.28
6. Cincinnati Life Insurance Company 2,625.00 231.00 695.63 1,351.88

 

Female age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 1,850.00 162.80 481.00 962.00
2. Protective Life Insurance Company 1,901.94 163.53 487.79 967.28
3. American General Life Insurance Company 1,914.00 165.56 507.21 995.28
4. Banner Life Insurance Company 1,926.29 168.55 500.84 982.41
5. EMC National Life Company 1,960.00 174.44 519.40 1,019.20
6. Transamerica Life Insurance Company 1,960.00 168.56 504.70 999.60

 

Male age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. EMC National Life Company 4,300.00 382.70 1,139.50 2,236.00
2. AAA Life Insurance Company 4,410.00 388.08 1,146.60 2,293.20
3. Banner Life Insurance Company 4,589.43 401.58 1,193.25 2,340.61
4. Protective Life Insurance Company 4,589.44 394.60 1,177.04 2,334.07
5. American General Life Insurance Company 4,604.00 398.25 1,220.06 2,394.08
6. Transamerica Life Insurance Company 4,650.00 399.90 1,197.38 2,371.50

 

Female age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 3,080.00 271.04 800.80 1,601.60
2. EMC National Life Company 3,090.00 275.01 818.85 1,606.80
3. Protective Life Insurance Company 3,269.92 281.15 838.63 1,663.00
4. Banner Life Insurance Company 3,272.80 286.37 850.93 1,669.13
5. American General Life Insurance Company 3,284.00 284.07 870.26 1,707.68
6. Transamerica Life Insurance Company 3,310.00 284.66 852.33 1,688.10

 

Male age 60

Company Name Annual Monthly Quarterly Semi-Annual
1. Banner Life Insurance Company 8,139.99 712.25 2,116.40 4,151.39
2. Transamerica Life Insurance Company 8,140.00 700.04 2,096.05 4,151.40
3. American General Life Insurance Company 8,144.00 704.46 2,158.16 4,234.88
4. AAA Life Insurance Company 8,210.00 722.48 2,134.60 4,269.20
5. EMC National Life Company 8,420.00 749.38 2,231.30 4,378.40
6. Cincinnati Life Insurance Company 8,575.00 754.60 2,272.38 4,416.13

 

Female age 60

Premium Modes
Company Name Annual Monthly Quarterly Semi-Annual
1. AAA Life Insurance Company 5,700.00 501.60 1,482.00 2,964.00
2. American General Life Insurance Company 5,714.00 494.26 1,514.21 2,971.28
3. EMC National Life Company 6,090.00 542.01 1,613.85 3,166.80
4. Cincinnati Life Insurance Company 6,285.00 553.08 1,665.53 3,236.78
5. Banner Life Insurance Company 6,289.99 550.37 1,635.40 3,207.89
6. Transamerica Life Insurance Company 6,290.00 540.94 1,619.68 3,207.90

 

Male age 65

Company Name Annual Monthly Quarterly Semi-Annual
1. Transamerica Life Insurance Company 12,500.00 1,075.00 3,218.75 6,375.00
2. Transamerica Life Insurance Company 13,480.00 1,159.28 3,471.10 6,874.80
3. Transamerica Life Insurance Company 13,510.00 1,161.86 3,478.83 6,890.10
4. Transamerica Life Insurance Company 15,030.00 1,292.58 3,870.23 7,665.30
5. Transamerica Life Insurance Company 15,200.00 1,307.20 3,914.00 7,752.00
6. Transamerica Life Insurance Company 16,870.00 1,450.82 4,344.03 8,603.70

 

Female age 65

Company Name Annual Monthly Quarterly Semi-Annual
1. Transamerica Life Insurance Company 10,720.00 921.92 2,760.40 5,467.20
2. Transamerica Life Insurance Company 11,390.00 979.54 2,932.93 5,808.90
3. Transamerica Life Insurance Company 11,600.00 997.60 2,987.00 5,916.00
4. Transamerica Life Insurance Company 12,540.00 1,078.44 3,229.05 6,395.40
5. Transamerica Life Insurance Company 12,890.00 1,108.54 3,319.18 6,573.90
6. Transamerica Life Insurance Company 14,140.00 1,216.04 3,641.05 7,211.40

$1,000,000 Life Insurance Top Rates Sample Quote for a 30 year term life insurance policy.

 

Male age 30

ompany Name Annual Monthly Quarterly Semi-Annual
1. Cincinnati Life Insurance Company 695.00 61.16 184.18 357.93
2. Transamerica Life Insurance Company 700.00 60.20 180.25 357.00
3. Banner Life Insurance Company 703.95 61.60 183.03 359.01
4. Protective Life Insurance Company 703.96 60.53 180.55 358.02
5. Savings Bank Life Insurance Co of MA 709.99 61.77 184.60 362.09
6. American General Life Insurance Company 714.00 61.76 189.21 371.28

 

Female age 30

Company Name Annual Monthly Quarterly Semi-Annual
1. Transamerica Life Insurance Company 560.00 48.16 144.20 285.60
2. Cincinnati Life Insurance Company 565.00 49.72 149.73 290.98
3. Banner Life Insurance Company 567.33 49.64 147.51 289.34
4. Savings Bank Life Insurance Co of MA 569.99 49.59 148.20 290.69
5. American National Insurance Company 570.00 49.25 151.05 293.55
6. Standard Life and Accident Insurance Co 570.00 49.25 151.05 293.55

 

Male age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. Cincinnati Life Insurance Company 805.00 70.84 213.33 414.58
2. Banner Life Insurance Company 805.83 70.51 209.52 410.97
3. American General Life Insurance Company 814.00 70.41 215.71 423.28
4. Savings Bank Life Insurance Co of MA 814.00 70.82 211.64 415.14
5. Protective Life Insurance Company 814.48 70.03 208.89 414.23
6. Midland National Life Insurance Company 815.00 71.72 223.31 425.43

 

Female age 35

Company Name Annual Monthly Quarterly Semi-Annual
1. Banner Life Insurance Company 679.98 59.50 176.79 346.79
2. Savings Bank Life Insurance Co of MA 679.99 59.16 176.80 346.79
3. Cincinnati Life Insurance Company 685.00 60.28 181.53 352.78
4. Midland National Life Insurance Company 685.00 60.28 187.69 357.57
5. North American Co for Life and Health 685.00 60.28 187.69 357.57
6. Principal National Life Insurance Co 685.00 59.94 179.81 351.06

 

Male age 4o

Company Name Annual Monthly Quarterly Semi-Annual
1. Cincinnati Life Insurance Company 1,185.00 104.28 314.03 610.28
2. American National Insurance Company 1,190.00 102.82 315.35 612.85
3. Savings Bank Life Insurance Co of MA 1,190.00 103.53 309.40 606.90
4. Standard Life and Accident Insurance Co 1,190.00 102.82 315.35 612.85
5. American General Life Insurance Company 1,194.00 103.28 316.41 620.88
6. Midland National Life Insurance Company 1,195.00 105.16 327.43 623.79

 

Female age 40

Company Name Annual Monthly Quarterly Semi-Annual
1. American National Insurance Company 930.00 80.35 246.45 478.95
2. Standard Life and Accident Insurance Co 930.00 80.35 246.45 478.95
3. Banner Life Insurance Company 949.54 83.08 246.88 484.27
4. Protective Life Insurance Company 949.55 81.65 243.53 482.92
5. Savings Bank Life Insurance Co of MA 959.99 83.52 249.60 489.59
6. AAA Life Insurance Company 960.00 84.48 249.60 499.20

 

Male age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. Banner Life Insurance Company 1,867.31 163.39 485.50 952.33
2. Lincoln National Life Insurance Company 1,889.00 165.29 494.92 972.84
3. Savings Bank Life Insurance Co of MA 1,889.00 164.34 491.14 963.39
4. American General Life Insurance Company 1,894.00 163.83 501.91 984.88
5. Midland National Life Insurance Company 1,895.00 166.76 519.23 989.19
6. North American Co for Life and Health 1,895.00 166.76 519.23 989.19

 

Female age 45

Company Name Annual Monthly Quarterly Semi-Annual
1. American General Life Insurance Company 1,424.00 123.18 377.36 740.48
2. Lincoln National Life Insurance Company 1,424.00 124.60 373.09 733.36
3. Banner Life Insurance Company 1,434.99 125.56 373.10 731.84
4. Midland National Life Insurance Company 1,435.00 126.28 393.19 749.07
5. North American Co for Life and Health 1,435.00 126.28 393.19 749.07
6. Savings Bank Life Insurance Co of MA 1,439.99 125.28 374.40 734.39

 

Male age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. Lincoln National Life Insurance Company 2,963.00 259.26 776.31 1,525.95
2. Savings Bank Life Insurance Co of MA 2,970.00 258.39 772.20 1,514.70
3. American General Life Insurance Company 3,004.00 259.85 796.06 1,562.08
4. American National Insurance Company 3,010.00 260.06 797.65 1,550.15
5. Standard Life and Accident Insurance Co 3,010.00 260.06 797.65 1,550.15
6. Banner Life Insurance Company 3,029.99 265.12 787.80 1,545.29

 

Female age 50

Company Name Annual Monthly Quarterly Semi-Annual
1. American General Life Insurance Company 2,004.00 173.35 531.06 1,042.08
2. Principal National Life Insurance Co 2,020.00 176.75 530.25 1,035.25
3. AAA Life Insurance Company 2,160.00 190.08 561.60 1,123.20
4. Lincoln National Life Insurance Company 2,169.00 189.79 568.28 1,117.04
5. Banner Life Insurance Company 2,248.73 196.76 584.67 1,146.85
6. Savings Bank Life Insurance Co of MA 2,248.74 195.64 584.67 1,146.86

 

Male age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. Banner Life Insurance Company 5,640.87 493.58 1,466.63 2,876.84
2. Lincoln National Life Insurance Company 5,672.00 496.30 1,486.06 2,921.08
3. Cincinnati Life Insurance Company 5,675.00 499.40 1,503.88 2,922.63
4. Principal National Life Insurance Co 5,700.00 498.75 1,496.25 2,921.25
5. American General Life Insurance Company 5,704.00 493.40 1,511.56 2,966.08
6. Symetra Life Insurance Company 5,715.00 500.06 1,514.48 2,943.23

 

Female age 55

Company Name Annual Monthly Quarterly Semi-Annual
1. Lincoln National Life Insurance Company 3,950.00 345.63 1,034.90 2,034.25
2. Banner Life Insurance Company 3,958.13 346.34 1,029.11 2,018.65
3. Symetra Life Insurance Company 3,985.00 348.69 1,056.03 2,052.28
4. AAA Life Insurance Company 3,990.00 351.12 1,037.40 2,074.80
5. Protective Life Insurance Company 3,991.98 343.23 1,023.82 2,030.22
6. Principal National Life Insurance Co 4,000.00 350.00 1,050.00 2,050.00

 

Male age 60

NA

Female age 60

NA

Male age 65

NA

Female age 65

NA

Texas Life Insurance

California Life Insurance

A+ Rated Providers

  • Banner Life
  • North American Company for Life & Health
  • Protective Life
  • Prudential
  • SBLI
  • Transamerica

A Rated Providers

  • American General
  • Genworth
  • ING

 

 

 

 

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