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Investment Specials and Inexpensive AA-rated Term Life Insurance
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Effective November 16, 2001
This
Advertisement is Intended only for Residents of California and South
Carolina!!!
This text is pending regulatory approval
Term Life Insurance
This
Advertisement is Intended only for Residents of California, Georgia, and South
Carolina!!!
Term insurance
offers no cash value or investment return but can be useful for temporary
(especially 10 year to 20 year) protection needs. Nevertheless, the differences
in rates can be astounding, even for essentially the same quality. For instance, Dr. Cobin has replaced
AAA Auto Club and Primerica policies with rates as much as double or even
triple those of other companies of equal or better quality. Five of Dr. Cobin's favorite AA-rated
(high quality) carriers are First
Colony Life Insurance Co. [AA] (Colony series products), Zurich (Kemper) Life [AA] (Certain-T
2001 series products), Security-Connecticut
Life Insurance Co. [AA+], The Old Line Life Insurance
Co. of America [AA+], and Lincoln Benefit
Life Co. [AA+] (GT Gold series products). Policies of $250,000 can run as little as $10 to $16 monthly
(with premiums guaranteed not to rise for 10 years) for healthy, non-smokers
under age 48. Click here
to search for the Standard & Poors rating for an insurance company. Consider the guaranteed rates
(current as of October 2001) for guaranteed terms in the following
charts.
|
Age 25 |
Monthly Premiums ¾ Best
Preferred Rate (non-Smoker) |
|||||||||||||||||
|
[Death Benefit] |
$250,000 |
$500,000 |
$1,000,000 |
|||||||||||||||
|
[Term in years] |
10 |
15 |
20 |
10 |
15 |
20 |
10 |
15 |
20 |
|||||||||
|
[Gender] |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
|
First
Colony Life |
10.28 |
9.19 |
12.03 |
10.72 |
15.97 |
12.91 |
16.19 |
14.00 |
19.69 |
17.06 |
27.56 |
21.44 |
27.13 |
22.75 |
32.38 |
27.13 |
47.25 |
37.63 |
|
Zurich
Life |
10.66 |
9.41 |
12.25 |
11.38 |
15.31 |
12.91 |
16.63 |
14.00 |
19.69 |
17.94 |
25.81 |
21.00 |
27.56 |
22.31 |
33.69 |
30.19 |
45.94 |
36.31 |
|
Lincoln
Benefit Life |
15.75 |
14.00 |
17.72 |
15.53 |
21.44 |
19.03 |
26.25 |
22.75 |
30.19 |
25.81 |
37.63 |
32.81 |
47.25 |
40.25 |
55.13 |
46.38 |
70.00 |
60.38 |
|
Age 30 |
Monthly Premiums ¾ Best
Preferred Rate (non-Smoker) |
|||||||||||||||||
|
[Death Benefit] |
$250,000 |
$500,000 |
$1,000,000 |
|||||||||||||||
|
[Term in years] |
10 |
15 |
20 |
10 |
15 |
20 |
10 |
15 |
20 |
|||||||||
|
[Gender] |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
|
First
Colony Life |
10.28 |
9.19 |
12.03 |
11.16 |
15.97 |
12.91 |
16.19 |
14.00 |
19.69 |
17.94 |
27.56 |
21.44 |
27.13 |
22.75 |
34.13 |
28.88 |
47.25 |
37.63 |
|
Zurich
Life |
10.66 |
9.41 |
12.25 |
11.38 |
15.31 |
12.91 |
16.63 |
14.00 |
19.69 |
17.94 |
25.81 |
21.00 |
27.56 |
22.31 |
33.69 |
30.19 |
45.94 |
36.31 |
|
Lincoln
Benefit Life |
15.97 |
14.00 |
18.81 |
16.19 |
22.31 |
20.13 |
26.29 |
22.75 |
32.38 |
27.13 |
39.38 |
35.00 |
48.13 |
40.25 |
59.50 |
49.00 |
73.50 |
64.75 |
|
Age 35 |
Monthly Premiums ¾ Best
Preferred Rate (non-Smoker) |
|||||||||||||||||
|
[Death Benefit] |
$250,000 |
$500,000 |
$1,000,000 |
|||||||||||||||
|
[Term in years] |
10 |
15 |
20 |
10 |
15 |
20 |
10 |
15 |
20 |
|||||||||
|
[Gender] |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
|
First
Colony Life |
10.28 |
9.19 |
12.47 |
11.59 |
16.19 |
14.22 |
16.19 |
14.00 |
20.56 |
18.81 |
28.00 |
24.06 |
27.13 |
22.75 |
35.88 |
32.38 |
49.88 |
42.88 |
|
Zurich
Life |
10.66 |
9.41 |
12.25 |
11.38 |
15.75 |
14.00 |
16.63 |
14.00 |
19.69 |
17.94 |
26.69 |
23.19 |
27.56 |
22.31 |
33.69 |
30.19 |
47.69 |
40.69 |
|
Lincoln
Benefit Life |
15.97 |
14.00 |
19.03 |
16.41 |
22.97 |
20.34 |
26.69 |
22.75 |
32.81 |
27.56 |
40.69 |
35.44 |
48.13 |
40.25 |
60.38 |
49.88 |
76.13 |
65.63 |
|
Age 40 |
Monthly Premiums ¾ Best
Preferred Rate (non-Smoker) |
|||||||||||||||||
|
[Death Benefit] |
$250,000 |
$500,000 |
$1,000,000 |
|||||||||||||||
|
[Term in years] |
10 |
15 |
20 |
10 |
15 |
20 |
10 |
15 |
20 |
|||||||||
|
[Gender] |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
|
First
Colony Life |
13.78 |
11.59 |
17.06 |
15.09 |
22.09 |
18.59 |
22.31 |
18.81 |
29.75 |
25.81 |
39.81 |
32.81 |
38.50 |
31.50 |
54.25 |
45.50 |
74.38 |
58.63 |
|
Zurich
Life |
13.70 |
12.03 |
16.41 |
15.31 |
22.31 |
18.38 |
22.75 |
18.38 |
28.00 |
25.81 |
39.81 |
31.94 |
39.81 |
31.06 |
49.44 |
45.94 |
73.06 |
58.19 |
|
Lincoln
Benefit Life |
21.66 |
18.38 |
26.03 |
21.44 |
31.94 |
26.91 |
38.06 |
31.50 |
46.81 |
37.63 |
58.63 |
48.56 |
70.88 |
57.75 |
88.38 |
70.00 |
112.00 |
91.88 |
|
Age 45 |
Monthly Premiums ¾ Best
Preferred Rate (non-Smoker) |
|||||||||||||||||
|
[Death Benefit] |
$250,000 |
$500,000 |
$1,000,000 |
|||||||||||||||
|
[Term in years] |
10 |
15 |
20 |
10 |
15 |
20 |
10 |
15 |
20 |
|||||||||
|
[Gender] |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
|
First
Colony Life |
19.47 |
16.63 |
27.34 |
20.34 |
36.31 |
26.69 |
34.56 |
28.88 |
50.31 |
36.31 |
68.25 |
49.00 |
63.00 |
50.75 |
94.50 |
67.38 |
128.63 |
91.88 |
|
Zurich
Life |
19.79 |
16.41 |
27.34 |
20.56 |
35.88 |
26.25 |
35.00 |
28.00 |
49.88 |
36.31 |
66.94 |
47.69 |
64.31 |
49.44 |
94.06 |
66.94 |
124.69 |
88.81 |
|
Lincoln
Benefit Life |
29.09 |
24.28 |
36.53 |
29.53 |
45.94 |
35.22 |
52.94 |
43.31 |
67.81 |
53.81 |
86.63 |
65.19 |
100.63 |
81.38 |
130.38 |
102.38 |
168.00 |
125.13 |
SMOKER
SECTION
|
Age 35 |
Monthly Premiums ¾ Best
Preferred Rate (Smoker) |
|||||||||||||||||
|
[Death Benefit] |
$250,000 |
$500,000 |
$1,000,000 |
|||||||||||||||
|
[Term in years] |
10 |
15 |
20 |
10 |
15 |
20 |
10 |
15 |
20 |
|||||||||
|
[Gender] |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
|
First
Colony Life |
32.16 |
26.69 |
38.72 |
30.63 |
53.81 |
43.31 |
59.94 |
49.00 |
73.06 |
56.88 |
103.25 |
82.25 |
104.13 |
84.88 |
127.75 |
98.88 |
182.00 |
144.38 |
|
Zurich
Life |
33.28 |
28.22 |
42.22 |
32.38 |
57.31 |
45.94 |
62.13 |
51.63 |
79.63 |
59.94 |
109.81 |
87.06 |
115.94 |
95.81 |
150.06 |
111.56 |
208.69 |
164.06 |
|
Lincoln
Benefit Life |
33.91 |
26.91 |
43.31 |
32.59 |
52.50 |
43.31 |
62.56 |
48.56 |
81.38 |
59.94 |
99.75 |
81.38 |
119.88 |
91.88 |
157.50 |
114.63 |
194.25 |
157.50 |
|
Age 40 |
Monthly Premiums ¾ Best
Preferred Rate (Smoker) |
|||||||||||||||||
|
[Death Benefit] |
$250,000 |
$500,000 |
$1,000,000 |
|||||||||||||||
|
[Term in years] |
10 |
15 |
20 |
10 |
15 |
20 |
10 |
15 |
20 |
|||||||||
|
[Gender] |
M |
F |
M |
F |
||||||||||||||