Vermont’s life insurance laws are governed by Title 8 of the Vermont Statutes.
- 10-day free look period (VT Admin Code 4-3-4:3)
- 30-day grace period (8 VT 3731)
- The insurance provider is required to pay the death benefit to the beneficiary within 30 days of receiving proof of death (8 VT 3731); Claims accrue interest beginning from the date of death (8 VT 3665b)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Virginia’s life insurance laws and Washington’s life insurance laws are nearly identical to those of Vermont).
How Much Is A $10,000 Whole Life Policy In Vermont?
The table below shows the rates by age of $10,000 of whole life insurance in Vermont.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.37 | $16.61 | $14.37 | $15.50 |
| 25 | $16.23 | $18.68 | $14.77 | $17.58 |
| 30 | $17.52 | $19.74 | $16.24 | $18.73 |
| 35 | $19.12 | $22.68 | $17.99 | $20.98 |
| 40 | $20.50 | $25.18 | $19.44 | $24.11 |
| 45 | $23.66 | $28.46 | $22.81 | $27.75 |
| 50 | $27.52 | $34.12 | $24.84 | $31.99 |
| 55 | $32.10 | $40.29 | $28.53 | $36.83 |
| 60 | $38.87 | $47.15 | $32.84 | $42.14 |
| 65 | $47.91 | $57.63 | $41.57 | $50.45 |
| 70 | $59.94 | $71.27 | $53.17 | $60.18 |
| 75 | $97.93 | $133.39 | $71.40 | $94.42 |
| 80 | $134.97 | $182.03 | $98.13 | $135.57 |
| 85 | $188.26 | $258.06 | $131.83 | $192.62 |
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Best Life Assurance In #VALUE!
Barre, nestled in the heart of Vermont, offers a unique blend of history, culture, and natural beauty. Known as the “Granite Center of the World,” this charming small city boasts rich heritage sites, including exquisite granite sculptures and quarries that draw visitors globally. Its vibrant community life is complemented by outdoor activities, from hiking and biking trails to exploring the local parks and reservoirs. Barre’s downtown area invites tourists and locals alike with its array of shops, restaurants, and cultural events, making it a perfect blend of industrial legacy and natural allure.
#VALUE!Best Coverage In
Burlington is a vibrant city known for its scenic beauty, diverse cultural scene, and robust economic environment. Nestled on the shores of Lake Champlain, Burlington offers breathtaking waterfront views, picturesque parks, and extensive recreational activities. The city is home to the University of Vermont, lending it a youthful energy and fostering an atmosphere of innovation and education. With a bustling downtown filled with unique shops, restaurants, and entertainment options, Burlington seamlessly combines small-town charm with big-city convenience. Renowned for its commitment to sustainability, community engagement, and arts, Burlington stands out as a dynamic and welcoming destination for residents and visitors alike.
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You never know what battles people may be fighting.
Best Policies In
Essex Junction is a vibrant village nestled within the town of Essex in Chittenden County, Vermont, United States. Known for its friendly community and picturesque New England charm, Essex Junction is renowned for hosting the annual Champlain Valley Fair, one of the largest events in the state, drawing visitors from across the region for its amusement rides, concerts, and agricultural exhibits. The village’s central location provides easy access to the larger metropolitan areas while retaining a small-town feel, complete with local shops, eateries, and parks. Home to a mix of families, professionals, and students, Essex Junction benefits from its proximity to prominent educational institutions and thriving businesses, making it a desirable place to live, work, and play.
Best Life Cover In
South Burlington, nestled in the heart of Vermont, is a vibrant city that seamlessly blends urban sophistication with the serene charm of the New England countryside. This dynamic community is known for its high quality of life, featuring top-notch schools, expansive parks, and a bustling retail environment, most notably the University Mall, Vermont’s largest shopping center. With its convenient location just minutes from Burlington’s waterfront and the University of Vermont, South Burlington offers residents and visitors a unique mix of cultural attractions, outdoor activities, and economic opportunities. From the lush landscapes of Red Rocks Park to the innovative businesses sprouting throughout the city, South Burlington stands as a beacon of northern hospitality and progressive growth.
Best Life Insurance In
Rutland, nestled in the heart of Vermont, stands as the state’s second-largest city by population. This enchanting city, surrounded by the majestic beauty of the Green Mountains, offers a blend of history, culture, and outdoor activities. With its charming downtown area, Rutland is celebrated for its vibrant arts scene, including the renowned Paramount Theater, and a plethora of dining and shopping options that cater to every taste. The city is also a gateway to some of Vermont’s most exquisite natural attractions, including ski resorts and hiking trails, making it a year-round destination for adventurers and families alike. Rutland, with its picturesque landscapes and community-oriented atmosphere, embodies a blend of small-town charm and modern living, making it a unique and inviting place to visit or call home.
Choose kindness.
You never know what battles people may be fighting.
Top Life Insurance Companies In Vermont
For the residents of the great state of Vermont, 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 |
- 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
- 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
- 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 |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
- 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
- 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 |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
- 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
- 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)
