Term Life Insurance Rates for 52-Year-Olds
- Updated: March 5, 2023
Finding life insurance at any age is an important step in creating a secure future for you and your family. As you get older, the considerations regarding coverage will change, but the basics remain the same
If you are 52 years of age, you might be thinking about how much term life insurance is appropriate for you. In this article, we’ll explore different types of term life insurance and analyze many of the factors you should consider when selecting a policy. We’ll also provide a few tips on how to get the best value for your needs
By the end, you’ll have a better understanding of the cost of term life insurance for someone at the age of 52.
Table of Contents
20-Year Term Life Insurance Cost (Men; Age 52)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 52 | Men | No | 20 Years | $25,000 | Mutual of Omaha | $27 |
| 52 | Men | No | 20 Years | $50,000 | American Amicable | $38 |
| 52 | Men | No | 20 Years | $100,000 | American Amicable | $70 |
| 52 | Men | No | 20 Years | $250,000 | American Amicable | $163 |
The above table indicates the monthly rate for 20-year term life insurance for men aged 52 who are non-smokers. Specifically, these term life insurance policies come from America Amicable and Mutual of Omaha and offer coverage ranging from $25,000 to $250,000
For a policy of $25,000, the monthly rate from Mutual of Omaha is $27. For a policy of $50,000, the monthly rate from American Amicable is $38. For a policy of $100,000, the monthly rate for American Amicable is $70
Finally, for a policy of $250,000, the monthly rate for American Amicable is $163. These rates can be influenced by various factors, including the individual’s age, health, coverage amount, and provider
30-Year Term Life Rates (Male; Age 52)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 52 | Men | No | 30 Years | $25,000 | Americo | $38 |
| 52 | Men | No | 30 Years | $50,000 | American Amicable | $55 |
| 52 | Men | No | 30 Years | $100,000 | American Amicable | $103 |
| 52 | Men | No | 30 Years | $250,000 | American Amicable | $243 |
For a male age 52, this table provides a variety of term life insurance rates from different companies. With Americo, the monthly rate for a 30-year term life insurance with $25,000 in coverage is $38
With American Amicable, for the same 30-year term, the monthly rate for a $50,000 coverage amount is $55, $100,000 coverage is $103 and $250,000 coverage is $243. In other words, the monthly rate increases with a higher coverage amount.
20-Year Life Insurance Pricing (Male Tobacco; Age 52)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 52 | Men | Yes | 20 Years | $25,000 | Americo | $46 |
| 52 | Men | Yes | 20 Years | $50,000 | Foresters | $78 |
| 52 | Men | Yes | 20 Years | $100,000 | Foresters | $150 |
| 52 | Men | Yes | 20 Years | $250,000 | Foresters | $367 |
This table presents an overview of 20-Year Term Life Insurance policy pricing for a male aged 52 who smokes. The table gives an indication of the monthly rates that different insurers charge for varying levels of coverage
The policy with the lowest monthly rate in the table is an Americo policy with a $25,000 coverage amount, which costs $46 per month. A Foresters policy with a $50,000 coverage amount costs $78 per month and a $100,000 coverage policy would cost $150 per month. The most expensive policy in the table is a Foresters policy with a $250,000 coverage amount which costs $367 per month.
30-Year Term Rates (Male Smokers; Age 52)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 52 | Men | Yes | 30 Years | $25,000 | Americo | $64 |
| 52 | Men | Yes | 30 Years | $50,000 | Americo | $120 |
| 52 | Men | Yes | 30 Years | $100,000 | Americo | $232 |
| 52 | Men | Yes | 30 Years | $250,000 | Americo | $568 |
#REF!
20-Year Term Premiums (Women; Age 52)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 52 | Women | No | 20 Years | $25,000 | Mutual of Omaha | $26 |
| 52 | Women | No | 20 Years | $50,000 | American Amicable | $27 |
| 52 | Women | No | 20 Years | $100,000 | American Amicable | $48 |
| 52 | Women | No | 20 Years | $250,000 | American Amicable | $109 |
This table showcases the average monthly rates of 20-year term life insurance premiums for a woman aged 52 who does not smoke. The data in the table presents the range of coverage and the corresponding premiums from different companies
From Mutual of Omaha, a policy for $25,000 of coverage is $26 per month. American Amicable offers a $50,000 policy for $27 per month and a $100,000 policy for $48 per month. The highest coverage offered by American Amicable is $250,000 with a monthly premium of $109.
30-Year Term Policies (Women; Age 52)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 52 | Women | No | 30 Years | $25,000 | Americo | $38 |
| 52 | Women | No | 30 Years | $50,000 | American Amicable | $35 |
| 52 | Women | No | 30 Years | $100,000 | American Amicable | $64 |
| 52 | Women | No | 30 Years | $250,000 | American Amicable | $147 |
The table above shows the monthly rates for 30-year term policies for women at age 52 who are non-smokers. For $25,000 of coverage, Americo is offering the lowest monthly rate at $38; for $50,000 of coverage, American Amicable has the lowest monthly rate at $35; for $100,000 of coverage, American Amicable has the lowest monthly rate at $64; and for $250,000 of coverage, American Amicable has the lowest monthly rate at $147
These premiums vary widely by company and coverage amount, so it pays to shop around and compare rates.
20-Year Term Monthly Premiums (Women Smokers; Age 52)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 52 | Women | Yes | 20 Years | $25,000 | Mutual of Omaha | $44 |
| 52 | Women | Yes | 20 Years | $50,000 | Prosperity Life | $66 |
| 52 | Women | Yes | 20 Years | $100,000 | Prosperity Life | $125 |
| 52 | Women | Yes | 20 Years | $250,000 | Prosperity Life | $302 |
This information shows the impact of an individual's age, gender, smoking status and coverage limit on the cost of a 20-year term life insurance policy from three different companies. For a 52-year-old woman smoker, Mutual of Omaha is offering a $25,000 term life insurance policy for a monthly rate of $44
This coverage level is likely adequate to cover outstanding debt such as a mortgage or student loan. A $50,000 policy is also available from Prosperity Life for $66 a month. This could be beneficial for individuals who want to ensure enough coverage to provide additional financial protection to their family in the event of their death
For those looking for a larger coverage amount, Prosperity Life also offers a $100,000 policy for a monthly cost of $125 and a $250,000 policy for $302.
30-Year Term Insurance Quotes (Female Smokers; Age 52)
| Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
|---|---|---|---|---|---|---|
| 52 | Women | Yes | 30 Years | $25,000 | Americo | $64 |
| 52 | Women | Yes | 30 Years | $50,000 | Prosperity Life | $94 |
| 52 | Women | Yes | 30 Years | $100,000 | Prosperity Life | $181 |
| 52 | Women | Yes | 30 Years | $250,000 | Prosperity Life | $441 |
This table displays the estimated cost of term life insurance for female smokers aged 52 for a 30 year term. The coverage amounts offered by Company Prosperity Life range from $25,000 to $250,000, with corresponding monthly rates of $64, $94, $181, and $441 respectively
Comparatively, Company Americo's coverage amount $25,000 has a monthly rate of $64.
Rikin Shah
Burial Insurance
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