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Tom S | Life Insurance - am I getting ripped off? |
How much should a 33 year old preferred smoker expect to pay for a 250,000 life insurance policy a year? Is $600 too much?
Additional Details
20 Year Term |
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mbrcatz
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I think that's a bit high - but what's your cholesterol and blood pressure like? Frequently, with smokers, it's higher than average.
So you ARE going to have to shop around, to see if you have a fair price. |
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src50
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What kind of insurance? Whole life? Level term? What term? All important details.
Edit: $600 for a 20-year smoker policy does not seem too high - thats only $50 a month. If you quit smoking, you might even be able to get it lowered doen the road. |
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Advisory Service
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The first comment is correct but you have to be a couple year sober before being rated as non-smoker. I know you can't just tell the life insurance company that you just quit so you can get a lower premium.
If you feel that you are throwing away money, you can alway get life annuity instead. Life annuity is an life insurance that is attached to a mutual fund company account. When you dies, the annuity mature and released the invested money. The money invested in mutual fund can achieved at a minumum of 12% rate of return if invested in a large cap fund. Call your local MetLife or Primerica and ask about Life Annuity. Be advised that if you dies 5 years from just now, your invested money might be lower than a term insurance dues to the lack of time for your money to growth. |
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Hadley
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The only way to know for sure is for you to actually compare rates for yourself.
There are several very good life insurance quote providers online that offer free, no obligation quotes for term life insurance.
Efinancial has been offering free life insurance quotes online since 2001. You just fill out one form and get up to 12 Instant Quotes for term life insurance from top-rated insurers. To request your free quotes visit https://www.efinancial.com/smartquoteefc.aspx?source=389-707
That way you will know first-hand what your price will be. Efinancial provides accurate quotes and they have a network of more than 70 leading insurance companies that can offer you very competitive rates.
I hope that helps! Best of luck to you. |
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LifeInsuranceAgent
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20 year term rates for $250,000 based on age 33 male rates start at $393 per year and go up from there.
Rates may or may not be available in your state, and you have to qualify for underwriting. |
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Serge M
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You don't provide enough information. What are the terms of your policy? I'm sure the insurance company is charging their standard premium for your policy, but whether you have the right policy is another question. Insurance sales people often try to sell the policy that pays the best commission, not one that is necessarily best for the client. Without information on what you have, you can't expect an answer |
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aaron p
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Sounds about right. Competitive quotes seem to go down to about $550 in your situation.
Something to keep in mind is if you do not smoke cigarettes, there are companies that will consider you a non-smoker, potentially saving you a lot of money (ie. pipe, cigar, chewing tobacco, nicotine patch, etc). |
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