Saving people money
with cost effective products and
by taking advantage of current tax laws.
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Direct Questions to:
tnhokie@bellsouth.net
or contact:
Roger Neal at
865.584.0716
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Term Life Insurance: Compare & Spend Less $$$
Extremely low Nontobacco rates: Take advantage of big savings on quality guaranteed level premium and level term life insurance coverage for 10, 15, 20 or 30 year term life insurance from A++ and A+ A.M. Best rated life insurance companies.
$250,000
Coverage |
Age 40 |
Age 50 |
Age 60 |
| Male |
Female |
Male |
Female |
Male |
Female |
| 15-year |
$12.83 |
$12.83 |
$34.78 |
$24.94 |
$83.52 |
$52.94 |
| 20-year |
$17.18 |
$15.97 |
$43.72 |
$33.47 |
$111.80 |
$78.31 |
| 30-year |
$29.15 |
$24.50 |
$66.77 |
$50.31 |
$262.04 |
$217.40 |
| 30-ROP |
$45.50 |
$34.13 |
$113.40 |
$77.68 |
na |
na |
| Thru age 90 |
$102.60 |
$93.66 |
$169.19 |
$145.27 |
$262.04 |
$217.40 |
$1,000,000
minimum |
10-year |
15-year |
20-year |
30-year |
| Age 30 |
Male |
$33 |
$42 |
$57 |
$97 |
| |
Female |
$29 |
$36 |
$46 |
$72 |
| Age 40 |
Male |
$46 |
$56 |
$77 |
$143 |
| |
Female |
$38 |
$53 |
$65 |
$102 |
| Age 50 |
Male |
$106 |
$153 |
$199 |
$363 |
| |
Female |
$87 |
$107 |
$136 |
$237 |
| Age 60 |
Male |
$282 |
$392 |
$482 |
$1486 |
| |
Female |
$182 |
$255 |
$332 |
$1194 |
Above rates are the best non-tobacco rates and are subject to underwriting. Premiums increase annually after the initial guaranteed term period. Two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex.
General Underwriting Guidelines:
- Must meet height and weight parameters
- No tobacco for a minimum of three years (a few companies five years)
- Cholesterol: If HDL less than or equal to 5.0, 205 or 4.5, 240
- Blood pressure: ages 0-60 must be equal to
or less than 140/85
ages 61+ must be equal to
or less than 150/85
(without blood pressure treatment)
- MVR: no more than two violations during the past three years. No DUI, Reckless Revocation, or Suspensions during the past five years.
- Family History: No cardiovascular death prior to age 60 (parent only)
- Personal Medical History: No cancer or ratable impairment
For a more precise qoute, please do the form below:
 Health Screening Questionaire
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