Best Life Insurance In Illinois

How Much Is A $10,000 Whole Life Policy In Illinois?

The table below shows the rates by age of $10,000 of whole life insurance in Illinois.

Age	Male	Male (Smoker)	Female	Female (Smoker)
20	$14.73	$16.73	$14.47	$16.04
25	$15.87	$18.05	$15.40	$17.25
30	$17.69	$19.57	$16.67	$19.31
35	$19.27	$21.79	$17.53	$21.00
40	$20.98	$24.74	$19.58	$23.36
45	$24.37	$28.47	$22.69	$27.82
50	$27.52	$33.59	$25.14	$31.97
55	$32.61	$40.08	$28.26	$37.08
60	$38.55	$47.37	$33.12	$42.87
65	$48.36	$57.71	$41.46	$50.81
70	$60.39	$71.27	$52.70	$59.90
75	$97.81	$132.84	$71.06	$94.64
80	$135.02	$182.61	$98.40	$136.06
85	$187.95	$258.37	$131.73	$192.89

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Best Life Assurance In #VALUE!

Nestled in the vibrant heart of Colorado, Aurora stands as a bustling city that effortlessly blends suburban charm with urban sophistication. Known for its panoramic views of the Rocky Mountains, Aurora is a haven for outdoor enthusiasts, offering an array of parks, golf courses, and nature trails. With a rich tapestry of cultural diversity, the city boasts an impressive lineup of international cuisine, arts, and festivals that celebrate its multicultural heritage. Aurora’s commitment to community well-being is evident in its top-rated healthcare facilities and educational institutions, making it an ideal destination for families and professionals alike. As one of Colorado’s largest and most dynamic cities, Aurora continues to flourish as a cornerstone of innovation, culture, and recreation.

#VALUE!

Best Coverage In

Naperville, nestled in the heart of Illinois, is a vibrant city that harmoniously blends historic charm with modern innovation. Renowned for its picturesque Riverwalk, extensive parks, and top-notch schools, Naperville offers a high quality of life that attracts families, professionals, and visitors alike. With a rich array of dining, shopping, and cultural opportunities, complemented by a strong sense of community and safety, Naperville stands as a thriving suburb of Chicago, promising a fulfilling and dynamic living experience.

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Best Policies In

Nestled along the shores of Lake Michigan, Chicago stands as a vibrant metropolis that artfully blends deep-rooted American history with a fervent embrace of culture and diversity. Known for its iconic skyline punctuated by towering skyscrapers like Willis Tower and the neo-Gothic Tribune Tower, Chicago offers a dynamic urban canvas. The city’s heart pulses with lively entertainment, from the renowned improv comedy of Second City to the symphonic melodies of the Chicago Symphony Orchestra. Culinary enthusiasts rejoice in a gastronomic paradise, from the signature deep-dish pizza to boundary-pushing fine dining. Chicago’s Millennium Park and Navy Pier offer family-friendly escapes, while the Art Institute of Chicago showcases world-class art collections. With bustling neighborhoods, expansive green spaces, and a steadfast spirit, Chicago epitomizes the essence of a modern American city, constantly evolving yet always welcoming.

Best Life Cover In

Joliet, a vibrant city located in the heart of Illinois, stands as a testament to both historical preservation and modern-day innovation. Known for its rich architectural heritage, Joliet features landmarks such as the Rialto Square Theatre and the Joliet Prison, which has been featured in numerous films and TV shows. Being the fourth-largest city in the state, it strikes a perfect balance between bustling city life and charming suburban tranquility. The Des Plaines River, which snakes through the city, adds a touch of natural beauty and offers numerous recreational activities. Joliet serves as a crucial hub for transportation and commerce, further cemented by its proximity to Chicago, making it an attractive destination for both residents and visitors alike.

Best Life Insurance In

Rockford, often celebrated as the cultural and economic heart of Northern Illinois, offers a unique blend of urban sophistication and small-town charm. Known as the “Forest City,” Rockford boasts a rich history, diverse culture, and a strong sense of community. Its geography, adorned with the scenic Rock River, provides not only natural beauty but also a plethora of outdoor activities. Rockford’s vibrant downtown area is a hub for arts, entertainment, and dining, featuring distinctive museums, theaters, and a thriving local food scene. With its commitment to innovation and education, as well as its flourishing aerospace industry, Rockford continues to attract and nurture talent, making it a dynamic place to live, work, and play.

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Top Life Insurance Companies In Illinois

For the residents of the great state of Illinois, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.

Transamerica

“Immediate Solution” Whole Life Insurance

Policy Type	Whole Life
States	All except NY
Ages	0 – 85
Coverage	$1,000 – $50,000 (varies by age)
Duration	Lifelong
Waiting Period	No
Rate Lock	Yes

Click for Brochure

Very low prices
No medical exam
Flat, never-increasing premiums
No waiting period

Underwriting has become stricter (e.g., no insulin)
Coverage limited to $25,000 for older applicants

What’s My Rate?

Approved Conditions

ADHD
Addisons Disease
Anxiety Disorder
Artery Disease
Arthritis (Psoriatic)
Arthritis (Rheumatoid)
Asthma (Chronic)
Asthma (Mild)
Atrial Fibrillation
Autism (High Functioning)
Autism (Severe)
Barlows Syndrome
Bladder Pain (Chronic)
Blood Clot
Blood Disorder
Bone Marrow Transplant
Brain Tumor (Removed; Benign)
Bronchitis (Acute)
COVID-19
CPAP Use (w/o Oxygen)
Cancer (Skin)
Cardioversion Treatment
Cerebral Palsy
Chronic Cough
Chronic Pancreatitis
Circulatory Disease
Claudication
Clogged Arteries
Coronary Artery Disease
Crohns Disease
Declined for Life Insurance
Depression
Diabetes (No Insulin)
Diabetes (With Insulin)
Disability
Encephalopathy
Enlarged Heart
Enlarged Prostate
Epilepsy
Felony
Fibromyalgia
Glaucoma
Gout
Guillain-Barre Syndrome
Hashimotos Disease
Heart Arrhythmia
Heart Blockage
Heart Catheterization
Heart Disease
Heart Murmur (Functional)
Heart Murmur (Innocent)
Hemophilia
High Blood Pressure
High Cholesterol
Irregular Heartbeat
Irritable Bowel Syn.
Kidney Stones
Low Blood Pressure
Lupus (Non-Systemic)
Lyme Disease
Malaria
Memory Loss
Mitral Valve Prolapse
Multiple Sclerosis (MS)
Muscular Dystrophy
Myasthenia Gravis
Narcolepsy
Neuropathy (Non-Diabetic)
Osteoarthritis
Osteoporosis
PAD
PTSD
PVD
Pagets Disease of the Bone
Pain (Chronic)
Pancreatic Insufficiency
Panic Disorder
Parole / Probation
Pernicious Anemia
Pneumonia
Pulmonary Embolism
Pulmonary Sarcoidosis
Respiratory Failure
Restless Leg Syndrome
Scleroderma
Seizures
Sepsis
Shingles
Sjogrens Syndrome
Sleep Apnea (No Oxygen)
Spina Bifida
Spinal Stenosis
Stem Cell Transplant
Suicide Attempt
Thrombocythemia
Thrombocytopenia
Thrombosis (Blood Clots)
Thyroid Disorders
Tourettes
Ulcer
Ulcerative Colitis
Unexplained Weight Loss (> 10 lbs)
Vertigo
Wegeners Granulomatosis
Wet Macular Degeneration
Wolff-Park. Syndrome

Declined Conditions

ADL Assistance Required
Alcohol / Drug Abuse
Aneurysm (Corrected)
Aneurysm (Not Corrected)
Angina
Angioplasty
Assisted Living Facility
Awaiting Surgery
Awaiting Test Results
Bedridden
Brain Tumor (Not Removed; Benign)
CHF
CPAP Use (w/Oxygen)
Cancer (Not Skin)
Cardiac Ablation
Cardiomyopathy
Circulatory Surgery
Coronary Artery Bypass
DUI / DWI
Defibrillator
Diabetic Coma
Gastric Bypass
Heart Attack
Heart Surgery
Heart Valve Surgery
Hemorrhagic Stroke
Hodgkins Lymphoma
Home Health Care
Hospitalization
Huntingtons Disease
Hypertrophic Cardiomyopathy
Insulin Shock
Intracerebral Hemorrhage
Lap Band Surgery
Leukemia
Liver Disease
Liver Disorder
Melanoma
Multiple Myeloma
Myocarditis
Nephropathy
Neuropathy
Non-Hodgkins Lymphoma
Nursing Home
Organ Transplant (Completed)
Oxygen (Non-Continuous)
Oxygen (Sleep Apnea Use Only)
Oxygen Use (Continuous)
Pacemaker
Paralysis
Paraplegia
Pending Hospitalization
Pending Surgery
Quadriplegia
Retinopathy
Sleep Apnea (w/Oxygen)
Stent Placement
Stroke / TIA
Watchman Implant
Wheelchair (Confined)
Wheelchair (Not Confined)

Mutual of Omaha

“Living Promise” Whole Life Insurance

Policy Type	Whole Life
States	All except NY
Ages	45 – 85
Coverage	$2,000 – $50,000
Duration	Lifelong
Waiting Period	No
Rate Lock	Yes

Click for Brochure

Excellent customer service
No medical exam
Flat, never-increasing premiums
No waiting period

Moderately strict underwriting

What’s My Rate?

Approved Conditions

ADHD
Addisons Disease
Anxiety Disorder
Artery Disease
Arthritis (Psoriatic)
Arthritis (Rheumatoid)
Asthma (Chronic)
Asthma (Mild)
Atrial Fibrillation
Autism (High Functioning)
Autism (Severe)
Barlows Syndrome
Bladder Pain (Chronic)
Blood Clot
Blood Disorder
Bone Marrow Transplant
Brain Tumor (Removed; Benign)
Bronchitis (Acute)
COVID-19
CPAP Use (w/o Oxygen)
Cancer (Skin)
Cardioversion Treatment
Cerebral Palsy
Chronic Cough
Chronic Pancreatitis
Circulatory Disease
Claudication
Clogged Arteries
Coronary Artery Disease
Crohns Disease
Declined for Life Insurance
Depression
Diabetes (No Insulin)
Diabetes (With Insulin)
Disability
Encephalopathy
Enlarged Heart
Enlarged Prostate
Epilepsy
Felony
Fibromyalgia
Glaucoma
Gout
Guillain-Barre Syndrome
Hashimotos Disease
Heart Arrhythmia
Heart Blockage
Heart Catheterization
Heart Disease
Heart Murmur (Functional)
Heart Murmur (Innocent)
Hemophilia
High Blood Pressure
High Cholesterol
Irregular Heartbeat
Irritable Bowel Syn.
Kidney Stones
Low Blood Pressure
Lupus (Non-Systemic)
Lyme Disease
Malaria
Memory Loss
Mitral Valve Prolapse
Multiple Sclerosis (MS)
Muscular Dystrophy
Myasthenia Gravis
Narcolepsy
Neuropathy (Non-Diabetic)
Osteoarthritis
Osteoporosis
PAD
PTSD
PVD
Pagets Disease of the Bone
Pain (Chronic)
Pancreatic Insufficiency
Panic Disorder
Parole / Probation
Pernicious Anemia
Pneumonia
Pulmonary Embolism
Pulmonary Sarcoidosis
Respiratory Failure
Restless Leg Syndrome
Scleroderma
Seizures
Sepsis
Shingles
Sjogrens Syndrome
Sleep Apnea (No Oxygen)
Spina Bifida
Spinal Stenosis
Stem Cell Transplant
Suicide Attempt
Thrombocythemia
Thrombocytopenia
Thrombosis (Blood Clots)
Thyroid Disorders
Tourettes
Ulcer
Ulcerative Colitis
Unexplained Weight Loss (> 10 lbs)
Vertigo
Wegeners Granulomatosis
Wet Macular Degeneration
Wolff-Park. Syndrome

Declined Conditions

ADL Assistance Required
Alcohol / Drug Abuse
Aneurysm (Corrected)
Aneurysm (Not Corrected)
Angina
Angioplasty
Assisted Living Facility
Awaiting Surgery
Awaiting Test Results
Bedridden
Brain Tumor (Not Removed; Benign)
CHF
CPAP Use (w/Oxygen)
Cancer (Not Skin)
Cardiac Ablation
Cardiomyopathy
Circulatory Surgery
Coronary Artery Bypass
DUI / DWI
Defibrillator
Diabetic Coma
Gastric Bypass
Heart Attack
Heart Surgery
Heart Valve Surgery
Hemorrhagic Stroke
Hodgkins Lymphoma
Home Health Care
Hospitalization
Huntingtons Disease
Hypertrophic Cardiomyopathy
Insulin Shock
Intracerebral Hemorrhage
Lap Band Surgery
Leukemia
Liver Disease
Liver Disorder
Melanoma
Multiple Myeloma
Myocarditis
Nephropathy
Neuropathy
Non-Hodgkins Lymphoma
Nursing Home
Organ Transplant (Completed)
Oxygen (Non-Continuous)
Oxygen (Sleep Apnea Use Only)
Oxygen Use (Continuous)
Pacemaker
Paralysis
Paraplegia
Pending Hospitalization
Pending Surgery
Quadriplegia
Retinopathy
Sleep Apnea (w/Oxygen)
Stent Placement
Stroke / TIA
Watchman Implant
Wheelchair (Confined)
Wheelchair (Not Confined)

Aetna

“Protection Series” Whole Life Insurance

Policy Type	Whole Life
States	All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Ages	45 – 89
Coverage	$2,000 – $50,000 (varies by age)
Duration	Lifelong
Waiting Period	No
Rate Lock	Yes

Click for Brochure

Lenient underwriting
Shortest application, industry-wide
Automated underwriting (approval potentially in minutes)
No medical exam
Flat, never-increasing premiums

N/A

What’s My Rate?

Approved Conditions

ADHD
Addisons Disease
Anxiety Disorder
Artery Disease
Arthritis (Psoriatic)
Arthritis (Rheumatoid)
Asthma (Chronic)
Asthma (Mild)
Atrial Fibrillation
Autism (High Functioning)
Autism (Severe)
Barlows Syndrome
Bladder Pain (Chronic)
Blood Clot
Blood Disorder
Bone Marrow Transplant
Brain Tumor (Removed; Benign)
Bronchitis (Acute)
COVID-19
CPAP Use (w/o Oxygen)
Cancer (Skin)
Cardioversion Treatment
Cerebral Palsy
Chronic Cough
Chronic Pancreatitis
Circulatory Disease
Claudication
Clogged Arteries
Coronary Artery Disease
Crohns Disease
Declined for Life Insurance
Depression
Diabetes (No Insulin)
Diabetes (With Insulin)
Disability
Encephalopathy
Enlarged Heart
Enlarged Prostate
Epilepsy
Felony
Fibromyalgia
Glaucoma
Gout
Guillain-Barre Syndrome
Hashimotos Disease
Heart Arrhythmia
Heart Blockage
Heart Catheterization
Heart Disease
Heart Murmur (Functional)
Heart Murmur (Innocent)
Hemophilia
High Blood Pressure
High Cholesterol
Irregular Heartbeat
Irritable Bowel Syn.
Kidney Stones
Low Blood Pressure
Lupus (Non-Systemic)
Lyme Disease
Malaria
Memory Loss
Mitral Valve Prolapse
Multiple Sclerosis (MS)
Muscular Dystrophy
Myasthenia Gravis
Narcolepsy
Neuropathy (Non-Diabetic)
Osteoarthritis
Osteoporosis
PAD
PTSD
PVD
Pagets Disease of the Bone
Pain (Chronic)
Pancreatic Insufficiency
Panic Disorder
Parole / Probation
Pernicious Anemia
Pneumonia
Pulmonary Embolism
Pulmonary Sarcoidosis
Respiratory Failure
Restless Leg Syndrome
Scleroderma
Seizures
Sepsis
Shingles
Sjogrens Syndrome
Sleep Apnea (No Oxygen)
Spina Bifida
Spinal Stenosis
Stem Cell Transplant
Suicide Attempt
Thrombocythemia
Thrombocytopenia
Thrombosis (Blood Clots)
Thyroid Disorders
Tourettes
Ulcer
Ulcerative Colitis
Unexplained Weight Loss (> 10 lbs)
Vertigo
Wegeners Granulomatosis
Wet Macular Degeneration
Wolff-Park. Syndrome

Declined Conditions

ADL Assistance Required
Alcohol / Drug Abuse
Aneurysm (Corrected)
Aneurysm (Not Corrected)
Angina
Angioplasty
Assisted Living Facility
Awaiting Surgery
Awaiting Test Results
Bedridden
Brain Tumor (Not Removed; Benign)
CHF
CPAP Use (w/Oxygen)
Cancer (Not Skin)
Cardiac Ablation
Cardiomyopathy
Circulatory Surgery
Coronary Artery Bypass
DUI / DWI
Defibrillator
Diabetic Coma
Gastric Bypass
Heart Attack
Heart Surgery
Heart Valve Surgery
Hemorrhagic Stroke
Hodgkins Lymphoma
Home Health Care
Hospitalization
Huntingtons Disease
Hypertrophic Cardiomyopathy
Insulin Shock
Intracerebral Hemorrhage
Lap Band Surgery
Leukemia
Liver Disease
Liver Disorder
Melanoma
Multiple Myeloma
Myocarditis
Nephropathy
Neuropathy
Non-Hodgkins Lymphoma
Nursing Home
Organ Transplant (Completed)
Oxygen (Non-Continuous)
Oxygen (Sleep Apnea Use Only)
Oxygen Use (Continuous)
Pacemaker
Paralysis
Paraplegia
Pending Hospitalization
Pending Surgery
Quadriplegia
Retinopathy
Sleep Apnea (w/Oxygen)
Stent Placement
Stroke / TIA
Watchman Implant
Wheelchair (Confined)
Wheelchair (Not Confined)