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SAMPLE RATES

Sample Rates by Age

Life Insurance Premiums are determined by Age, Sex, Health, Amount and the Length of Time the Premium is fixed for. For a "Ball Park" estimate of premium cost the following example of rates are offered at various ages.

In this example we are providing sample Premiums in five year Age increments for $100,000 of Life Insurance Protection with a guaranteed premium for twenty years. The chart includes both Standard Premium Rates and Preferred Premium Rates.

Preferred Rates: Are offered only when there are no Health or other factors affecting the Underwriting Process. Preferred Rates are typically not available to Applicants when they are taking Maintenance Prescription Medications, such as High Blood Pressure Medications or if the Applicant does not fit the Height and Weight requirements for Preferred Rates.

Monthly Premium Chart
Twenty Year Term $100,000 No Tobacco/Nicotine Use

AgeMale PreferredMale Standard Female PreferredFemale Standard
25$12.60$17.06$11.10$14.26
30$12.62$17.86$11.63$15.23
35$12.64$18.66$12.09$16.29
40$16.46$26.97$14.20$22.15
45$21.05$35.26$16.30$27.91
50$31.40$55.09$24.02$39.77
55$42.83$73.95$32.44$50.44
60$71.58$127.93$49.99$82.75
65$100.71$182.99$67.97$117.95

What can you expect if you request a
FREE Quote Report  from SWI Services?

We constantly monitor rates for the top Insurance Companies, so we can provide them to our clients.  The following Sample Reports reflect available rates for a 35 year old male looking for $250,000 of Life Insurance Protection.  Reports can include rates for either regular Term Insurance for 10,15,20 and 30 years as well as the popular Return of Premium policies for 15,20 and 30 years.  You tell us what you are looking for and we will provide you with a quote report so you will know what rates are available from the top Insurance Companies for that coverage We make it easy for you to shop for the best Rates!

Just click on the underlined PDF file to view the Report.

Sample Reports: 10 Year Term Reports
Preferred Rates:
Male age 35, Ten Year Term Report Preferred Rates:
$250,000 10 Year Term (Preferred) age 35 Male

Standard Rates:
Male age 35, Ten Year Term Report Standard Rates:
$250,000 10 Year Term (Standard) age 35 Male


Sample Reports: 15 Year Term Reports
Preferred Rates:
Male age 35, Fifteen Year Term Report Preferred Rates:
$250,000 15 Year Term (Preferred) age 35 Male

Standard Rates:
Male age 35, Fifteen Year Term Report Standard Rates:
$250,000 15 Year Term (Standard) age 35 Male


Sample Reports: 20 Year Term Reports
Preferred Rates:
Male age 35, Twenty Year Term Report Preferred Rates:
$250,000 20 Year Term (Preferred) age 35 Male

Standard Rates:
Male age 35, Twenty Year Term Report Standard Rates:
$250,000 20 Year Term (Standard) age 35 Male


Sample Reports: 30 Year Term Reports
Preferred Rates:
Male age 35, Thirty Year Term Report Preferred Rates:
$250,000 30 Year Term (Preferred) age 35 Male

Standard Rates:
Male age 35, Thirty Year Term Report Standard Rates:
$250,000 30 Year Term (Standard) age 35 Male

Return of Premium

These Policies Guaranty to Return 100% of all premiums
paid at the end of the policy if the Policy is not used.

Many people view this type of Policy as a type of savings account.  The difference in Premium cost for this type of Policy V/S a regular Term Policy would have to be invested at roughly an 8% after tax yield in order to equal the return provided by this type of Policy.

The amount of Guaranteed Cash Back to you at the end of the policy is reflected as the total premiums paid at the end of the initial Term period.


Sample Reports: 15 Year Term with Return of Premium Reports
Preferred Rates:
Male age 35, Fifteen Year Term Report with Return of Premium:
$250,000 15 Year Term (Preferred) age 35 Male

Standard Rates:
Male age 35, Fifteen Year Term Report with Return of Premium:
$250,000 15 Year Term (Standard) age 35 Male


Sample Reports: 20 Year Term with Return of Premium Reports
Preferred Rates:
Male age 35, Twenty Year Term Report with Return of Premium:
$250,000 20 Year Term (Preferred) age 35 Male

Standard Rates:
Male age 35, Twenty Year Term Report with Return of Premium:
$250,000 20 Year Term (Standard) age 35 Male


Sample Reports: 30 Year Term with Return of Premium Reports
Preferred Rates:
Male age 35, Thirty Year Term Report with Return of Premium:
$250,000 30 Year Term (Preferred) age 35 Male

Standard Rates:
Male age 35, Thirty Year Term Report with Return of Premium:
$250,000 30 Year Term (Standard) age 35 Male

To request a report for coverage you are interested in just call:   
(210)258-5823   or   click on the Get a Quote Tab.

2819 Woodcliffe #100  San Antonio, TX 78230  (210) 258-5823   FAX (210) 491-0837  Site by Dynaweb Designs