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Age 68

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Life Insurance 68 Year old Male and Female

Guaranteed Universal Life (GUL) is much less expensive than Whole Life and locks in coverage at a fixed rate for life or to a designated age. See sample rates below.  Click here for an overview of options and recommendations for people in their 60’s. See here for Whole Life final expense quotes for ages 60 to 69.  For term coverage please see the 10, 15 and 20 year term quotes below, which include age 90 Guaranteed UL quotes.

 

Female – 68 year old

 

Face
Amount
Monthly at
Preferred
Best
Monthly at
Standard
Guarantee
Period
Top Carrier
$25,000 $57.00 $77.00  Age 120 (approximate)
$50,000 $109.00 $125.71 (approximate) at preferred best; Symetra at standard
$100,000 $186.00 $231.45 (approximate) at preferred best; Symetra at standard
$250,000 $436.60 $548.68 Symetra
$500,000 $853.25 $1,077.40 Symetra
$1,000,000 $1,686.50 $2,134.80 Symetra
$2,000,000 $3,155.60 $4,121.40 Symetra
$5,000,000 $7,889.00 $10,303.50 Symetra

 

 

Male – 68 year old

 

Face
Amount
Monthly at
Preferred
Best
Monthly at
Standard
Guarantee
Period
Top Carrier
$25,000 $71.00 $93.00  Age 120 (approximate)
$50,000 $135.00 $152.16 (approximate) at preferred best; Symetra at standard
$100,000 $218.45 $284.35 Symetra
$250,000 $516.15 $680.93 Symetra
$500,000 $1,012.30 $1,341.85 Symetra
$1,000,000 $2,004.60 $2,663.80 Symetra
$2,000,000 $3,763.00 $5,148.00 Symetra
$5,000,000 $9,407.50 $12,870.00 Symetra

 

 

Term and age 90 fixed premium Guaranteed UL

 

Female – Preferred Best – Age 68

Face
Amount
10 year
Term
15 year
Term
20 year
Term
Age 90
Guaranteed UL
$100,000 $47.08 $63.10 $98.87 $147.00
$250,000 $89.75 $125.40 $206.86 $334.00
$500,000 $168.73 $238.10 $404.30 $646.10
$1,000,000 $309.08 $440.63 $767.60 $1,201.00

 

Female –  Standard Non-Tobacco – Age 68

Amount 10 year
Term
15 year
Term
20 year
Term
Age 90
Guaranteed UL
$100,000 $77.05 $108.18 $159.95 $181.00
$250,000 $169.36 $243.41 $372.08 $425.00
$500,000 $311.47 $465.97 $728.44 $841.00
$1,000,000 $570.17 $842.86 $1,399.56 $1,581.00

 

 

Male – Preferred Best – Age 68

Amount 10 year
Term
15 year
Term
20 year
Term
Age 90
Guaranteed UL
$100,000 $72.08 $97.74 $143.76 $178.82
$250,000 $145.67 $209.12 $317.80 $417.69
$500,000 $277.53 $399.55 $619.69 $835.29
$1,000,000 $500.46 $759.50 $1,199.24 $1,591.00

 

Male – Standard Non-Tobacco – Age 68

Amount 10 year
Term
15 year
Term
20 year
Term
Age 90
Guaranteed UL
$100,000 $118.85 $169.65 $232.17 $226.65
$250,000 $265.46 $387.43 $530.37 $545.81
$500,000 $499.66 $746.92 $1,049.13 $1,091.52
$1,000,000 $947.25 $1,410.30 $2,052.31 $2,146.66

 

 

Closer to being 69 years old?  If over 68 and a half, see age 69 quotes, since most carriers set rates by nearest age. Backdating a policy up to six months to save previous age is generally permitted.

 

Please contact me  for a free confidential quote.  Many more options available.

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Sean Drummey

phone:  (910) 328-0447
email: spdrummey@gmail.com

 

 

Lower premiums available on Guaranteed UL plans with the no lapse guarantee to age 90, age 95, age 100, age 105, age 110 or whatever age designated. Catch up premium options available with some plans.  Contact me for details.

 

Companies & Products quoted:
Symetra Life Insurance Company:  “Symetra Classic UL 120”
contact me for carrier for quotes given as approximate

 

Trends:  Five major life carriers raised Guaranteed Universal Life (GUL) premiums in the fall of 2016. Symetra’s GUL premiums have remained the same.  Term life insurance premiums have remained stable in 2016 with a few carriers slightly lowering rates.

 

Case study: Male, age 68, New York, preferred best and preferred non-tobacco, 15 year term, $1m: Securian Life, Principal, Prudential

 

last updated: 10/13/2016 – quotes given as approximate are to the nearest dollar; non tobacco quotes; rates subject to change; quote accuracy or completeness not guaranteed