Term Life Insurance Rates for 51-Year-Olds

20-Year Term Life Insurance Cost (Men; Age 51)

The table above provides cost estimates for 20 year term life insurance policies for men aged 51, who are non-smokers. Mutual of Omaha provides a $25,000 policy for a monthly rate of $25

American Amicable provides both a $50,000 policy for a rate of $36, and a $100,000 policy for a rate of $65. For the highest coverage, $250,000, American Amicable asks a monthly rate of $152. For customers looking to save money, they can select a lower coverage policy

Customers looking for a long term policy with higher coverage can opt for a plan provided by American Amicable and pay more. The cost of life insurance policies depends on a multitude of factors such as age, gender, and smoking status.

30-Year Term Life Rates (Male; Age 51)

The table above provides a snapshot of the current rates for term life insurance policies for a 51-year-old male non-smoker. For example, a 30-year policy with $25,000 of coverage is offered by Americo for a monthly rate of $36

On the other hand, a policy providing $250,000 of coverage from American Amicable costs $209 per month. It is also interesting to note that American Amicable offers policies ranging from $50,000 to $100,000 which are not available from Americo.

20-Year Life Insurance Pricing (Male Tobacco; Age 51)

This table illustrates the costs associated with different levels of coverage for standard 20-year term life insurance policies taken out by a 51-year-old man who smokes. The table shows that, for a 51-year-old man who smokes, the monthly rate for a 20-year policy with a coverage amount of $25,000 is $43, provided by Americo

For a coverage amount of $50,000, the monthly rate is $73, provided by Foresters. With $100,000 in coverage, the monthly rate is $141, also provided by Foresters. And with $250,000 in coverage, the monthly rate is $344, again provided by Foresters

These rates demonstrate the importance of shopping around for life insurance and carefully considering the coverage one might need, to find the best deal.

30-Year Term Rates (Male Smokers; Age 51)

The following table provides an overview of the rates for a 30-year term life insurance policy for male smokers aged 51. It shows the cost of coverage for $25,000, $50,000, $100,000, and $250,000 from company Americo

The monthly rate for $25,000 of life insurance at this age and gender is $59, while the rate for $50,000 of coverage is $111 and the rate for $100,000 of coverage is $214. The monthly rate for $250,000 of life insurance coverage is $524. The rates are all specific to 51-year-old male smokers and are valid for 30-year terms.

20-Year Term Premiums (Women; Age 51)

The table above shows the monthly premiums for a 20-year term life insurance policy for a 51-year-old female, who is a non-smoker. At Mutual of Omaha, the monthly premium for a $25,000Term policy is $24

For the same term, American Amicable offers a monthly premium of $26 for a $50,000 coverage, $45 for $100,000 coverage, and $103 for a $250,000 coverage.

30-Year Term Policies (Women; Age 51)

The table above shows the price of 30-year term policies for women who are 51 years old and non-smokers. If a woman in this group wants to purchase life insurance, she can buy coverage up to $250,000

The americo policy offers coverage of $25,000 at a cost of $36 per month. The American Amicable policy offers higher levels of coverage, with $50,000 of coverage costing $31 per month, $100,000 of coverage costing $56 per month, and $250,000 of coverage costing $128 per month.

20-Year Term Monthly Premiums (Women Smokers; Age 51)

This table shows the monthly premiums of women smokers over the age of 50 for 20-year term life insurance policies from a few different companies. For example, a $25,000 policy from Mutual of Omaha for a 50-year-old woman smoker costs $41 per month

Likewise, a $50,000 term life insurance policy from Prosperity Life for a 50-year-old woman smoker costs $62 per month, and a $100,000 term life insurance policy from Prosperity Life for a 50-year-old woman smokre costs $118 per month. Finally, a $250,000 term life insurance policy from Prosperity Life for a 50-year-old woman smoker costs $283 per month.

30-Year Term Insurance Quotes (Female Smokers; Age 51)

The table above illustrates the cost of a 30-year term life insurance policy for a 51-year-old female smoker. It shows that the monthly rate for the policy is affected by the coverage amount

For example, for $25,000 of coverage, Americo's policy is $59 per month. For $50,000 of coverage, American Amicable's policy is $83 per month. With $100,000 in coverage, the cost increases to $160 per month and with $250,000 coverage the cost rises to $381 per month.