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FOR OTHER ADVISORS - Source Book

Female Term Rates

The Ratings of The Insurers Shown Are At Least: AM Best=A+, S&P=AA, Moody's=Aa

Female Rates per $1,000,000 This policy provides a level amount of term life insurance coverage for a level annual premium. For example; for a 35-year old female, $1,000,000 of term life insurance can be provided for 15 years by paying an annual premium of $320 for each of the 15 years. $1,000,000 of 30-year level term can be provided for a 45-year old female by paying an annual premium of $1,380 for each of the 30 years. The low cost of term insurance over specific periods of time makes term insurance the coverage of choice for short-term personal and business needs. It can be used for longer-term needs if the cash flow required to maintain permanent coverage is not available.	Age at Issue	Annual Level Premium Guaranteed For:
	Age at Issue	10 Years	15 Years	20 Years	30 Years
	25	$230	2910	$360	$500
	30	$230	$290	$370	$540
	35	$240	$300	$380	$600
	40	$319	$420	$520	$820
	45	$515	$670	$875	$1,379
	50	$755	$945	$1,285	$2,019
	55	$1,165	$1,340	$2,080	$4,220
	60	$1,705	$2,225	$3,350	N.A.
	65	$2,850	$3,580	$6,200	N.A.
	70	$4,645	$6,325	N.A.	N.A.
Updated April 20, 2009

Rates above assume non-smoker in "Preferred" or "Best Preferred" health category. They cannot be assumed to be the rates at which any particular policy will be issued. Final issue decisions and final rates must be determined only after a application, a medical examination and additional data is obtained by the insurer.1