Best Life Insurance In Rhode Island

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

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

Age	Male	Male (Smoker)	Female	Female (Smoker)
20	$15.27	$16.78	$13.72	$16.02
25	$16.46	$18.12	$15.65	$17.41
30	$17.31	$19.78	$16.49	$18.51
35	$19.14	$21.81	$17.28	$20.93
40	$21.07	$25.10	$19.85	$23.22
45	$23.59	$29.40	$22.75	$27.33
50	$27.78	$33.99	$24.68	$31.47
55	$32.62	$39.60	$27.96	$36.92
60	$39.32	$47.65	$33.65	$42.36
65	$48.52	$57.98	$41.24	$50.08
70	$60.01	$71.43	$52.90	$60.10
75	$98.08	$132.73	$71.57	$94.96
80	$135.08	$182.44	$97.65	$135.43
85	$188.26	$257.74	$132.35	$193.34

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Best Life Assurance In #VALUE!

Nestled in the heart of Providence County, Pawtucket, Rhode Island, is a vibrant city brimming with cultural heritage and innovation. Known for its pivotal role in the American Industrial Revolution, Pawtucket proudly houses the Slater Mill Historic Site, a tribute to its deep manufacturing roots. Today, the city harmoniously blends its historic charm with modern creativity, evidenced through its thriving arts community, dynamic festivals, and diverse culinary scene. Home to McCoy Stadium and the awe-inspiring Blackstone River Valley, Pawtucket offers both residents and visitors a rich tapestry of experiences, from engaging in sports and outdoor activities to exploring unique local crafts and galleries. With its convenient location near the Massachusetts border and Providence, Pawtucket serves as a bustling hub of activity and an inviting haven of opportunity and heritage.

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Best Coverage In

Cranston, located in the heart of Rhode Island, is the state’s third-largest city, characterized by its vibrant communities and rich historical heritage. Boasting a unique mix of urban and suburban living, Cranston offers residents and visitors a diverse array of experiences, from scenic parks and recreational areas to bustling shopping districts. Known for its excellent schools, thriving arts scene, and community-oriented atmosphere, Cranston presents an ideal blend of convenience, culture, and quality of life. With its easy access to Providence and scenic waterfronts, Cranston is a dynamic city that combines the charm of New England living with the benefits of modern innovation and development.

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Best Policies In

East Providence is a charming city nestled in Providence County, Rhode Island, exhibiting a perfect blend of suburban tranquility and urban accessibility. Boasting a rich historical background, East Providence is adorned with scenic parks, diverse communities, and vibrant waterfront areas along the Seekonk River. It serves as a serene residential haven while providing residents with convenient access to the bustling energy of downtown Providence. East Providence is celebrated for its excellent schools, friendly neighborhoods, and a wide array of local amenities, including shopping, dining, and cultural events, making it an attractive destination for both families and professionals seeking a balanced lifestyle.

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Providence, the vibrant capital of Rhode Island, offers a unique blend of historic charm and modern innovation. Renowned for its prestigious academic institutions, including the Ivy League Brown University and the pioneering Rhode Island School of Design, Providence is an intellectual hub that fosters creativity and discovery. The city’s picturesque streets are lined with beautifully preserved architecture, offering a glimpse into America’s rich colonial past. Providence also boasts an eclectic dining scene, with an impressive array of international cuisines that reflect its diverse population. With its flourishing arts community, bustling commercial districts, and tranquil waterfront parks, Providence harmoniously blends tradition with progress, making it a captivating destination for travelers and a cherished home for residents.

Best Life Insurance In

Warwick, a picturesque city nestled in the heart of England, is renowned for its rich history and majestic architecture. Home to the magnificent Warwick Castle, which stands as a testament to medieval grandeur, this city attracts visitors from all corners of the globe. Warwick’s charming streets are lined with historic buildings, each telling a story of the city’s vibrant past. Beyond its historical allure, Warwick offers a lively cultural scene, with a plethora of shops, cafes, and galleries, alongside serene parks and gardens. This city seamlessly blends its historical heritage with contemporary living, making it a must-visit destination for history buffs, culture enthusiasts, and nature lovers alike.

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Top Life Insurance Companies In Rhode Island

For the residents of the great state of Rhode Island, 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)