Boise Life Insurance Agents- Average Life Insurance Premiums - Online Quotes & Rates

How Much Does Life Insurance Cost Actually

"Article is transcribed from the video" 

Hi, Boise!

Chris with Boise Health and Life Insurance Agency. 

Today we're gonna talk about the different pricing on term life insurance and how it affects your age.

So I'm gonna show you this a really good article.

It's www.businessinsider.com average life insurance rates. So, we'll just kind of take a real quick look at this article. 

So this is interesting data from S & P. Global average life insurance policies premium this $44 per month. That makes a lot of sense since most policies are term life.

The average cost of a term life insurance policy for someone in their thirties, it's $16 per month. That makes a lot of sense and seems accurate. 

If you get a policy in your forties, you can expect to pay about $22 all depending on how much, death benefit you are requesting. 

And your health, of course. So let's see. Let's see what this has to stay down here.

Average Term & Whole Life Premiums

So these prices are based on a male and excellent health with a $250,000.20 year term policy, 20-year terms, probably the most popular on 100,000 whole life policies.

So, uh, this, you know, this makes a lot of sense here.

So average term in your twenties, 250,000 death benefit for 20 years is about $15 a month. That's probably about right.

You know, this seems like a big chunk, but if you're gonna do a whole life policy, really you want to do it is early as you can and let that thing just build over time.

Chris Antrim Insurance in Boise Idaho can help you with all your life insurance, health insurance, Medicare , Long term care and annuities. Call today for a quote or review of your current needs.

You know, even in your twenties, it's five times more expensive. But, you know, if you can swing it, you can build some nice cash value even in whole life policies.

Some of these policies have been paying out really good dividends over the years. So you can see here in your twenties for the term, I'm gonna focus on term life and it's about 16.00 monthly in your 30's. 

Let's go to my site and right here you can just click on life insurance quotes, come into life insurance page and click there.

So on the page here, if you don't feel like doing your quote, just send us a message, we'll get back to you and run the quote on your behalf. 

You click here to get a quote here, some videos on how to get a quote, and I have embedded on the page the online quote engine, which you could just come in here and do that.

But just click here on the online quote button. It will take you to the online quote engine and let's see, I'm 48. So let's see.

Let's see what? How much a 250,000 20 year policy would look like for me. I'm gonna go standard health here. So standard plus non tobacco.

Tobacco & Life Insurance Rates

If you chew smoke, use cannabis. Please Just be honest. You don't want anything to happen with a life insurance claim for sure.

Okay, so yeah, So here we go. So we come in here and here is our term quote engine.

Yea looks good. And you just slide that there to the $250,000 death benefit. And OK, so I'm coming in right here at $52 a month.

Now, I'm 48. Now, you want to put your email on your phone, we're not gonna pester you.

Uh, so don't worry about that. If you need help, just give us a call. All right?

Banner Life Insurance Premiums

So, banner, life is coming in about $52 a month now. But as you can see, we work with some of the nation's largest life insurance companies.

And you can see here this no exam SBLI I That's probably what I would look out for 57 for a couple more dollars.

Just do not have to go through an exam, which would be great. And John Hancock as well.

From here you would simply click on the policy and you can apply for this policy right online in the comfort of your own home or your office.

Well, that was just a real quick one for today. Please call the office with any questions and we look forward to working with you.

Thank you.

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