Choose protection for the years ahead
Compare 15-, 20-, 25- and 30-year terms. Family Protection EZ uses simplified underwriting; it is not guaranteed-issue life insurance. The application includes eligibility and health questions, with MIB and prescription-drug checks.
The brochure describes simplified-issue coverage from $25,000 to $250,000. The published schedules below cover $100,000 to $250,000. For other amounts, request a call so we can review the available options with you.
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Request a call to discuss your coverage, confirm your premium and complete the appropriate application with an agent. ManhattanLife term applications are handled with you by phone.
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Coverage options
The brochure lists optional accidental-death coverage for the primary insured, an additional-insured rider, children's insurance benefits and waiver of premium. Rider eligibility and any additional premium will be reviewed on your call.
Biweekly rate schedules
Open the schedule for your term and tobacco category. These are the supplied January 18, 2023 rate schedules, shown to the nearest cent. Rates are unisex. An agent will confirm your issue age, eligibility, state availability and final premium before you apply. A displayed rate does not guarantee approval or bind coverage.
Each table shows only the coverage amounts and ages listed in that schedule. On a smaller screen, scroll within the table to see every amount. The rate sheet is printable using your browser's Print command.
15-year term — Non-smoker · issue ages 18–60
| Issue age | $100,000 | $125,000 | $150,000 | $175,000 | $200,000 | $225,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 18 | $6.85 | $7.94 | $9.04 | $10.13 | $11.22 | $12.30 | $13.40 |
| 19 | $6.85 | $7.94 | $9.04 | $10.13 | $11.22 | $12.30 | $13.40 |
| 20 | $6.85 | $7.94 | $9.04 | $10.13 | $11.22 | $12.30 | $13.40 |
| 21 | $6.85 | $7.94 | $9.04 | $10.13 | $11.22 | $12.30 | $13.40 |
| 22 | $6.85 | $7.94 | $9.04 | $10.13 | $11.22 | $12.30 | $13.40 |
| 23 | $6.85 | $7.94 | $9.04 | $10.13 | $11.22 | $12.30 | $13.40 |
| 24 | $6.85 | $7.94 | $9.04 | $10.13 | $11.22 | $12.30 | $13.40 |
| 25 | $6.85 | $7.94 | $9.04 | $10.13 | $11.22 | $12.30 | $13.40 |
| 26 | $6.90 | $8.00 | $9.10 | $10.20 | $11.30 | $12.40 | $13.50 |
| 27 | $6.98 | $8.10 | $9.22 | $10.34 | $11.46 | $12.59 | $13.71 |
| 28 | $7.06 | $8.21 | $9.35 | $10.49 | $11.63 | $12.78 | $13.92 |
| 29 | $7.23 | $8.41 | $9.60 | $10.78 | $11.96 | $13.15 | $14.33 |
| 30 | $7.39 | $8.62 | $9.84 | $11.07 | $12.30 | $13.52 | $14.75 |
| 31 | $7.60 | $8.88 | $10.16 | $11.43 | $12.71 | $13.99 | $15.27 |
| 32 | $7.89 | $9.24 | $10.59 | $11.94 | $13.29 | $14.64 | $15.99 |
| 33 | $8.27 | $9.71 | $11.16 | $12.60 | $14.04 | $15.48 | $16.93 |
| 34 | $8.68 | $10.23 | $11.78 | $13.32 | $14.87 | $16.42 | $17.97 |
| 35 | $9.14 | $10.80 | $12.46 | $14.12 | $15.78 | $17.45 | $19.11 |
| 36 | $9.64 | $11.42 | $13.21 | $15.00 | $16.78 | $18.57 | $20.35 |
| 37 | $10.22 | $12.15 | $14.08 | $16.02 | $17.94 | $19.88 | $21.81 |
| 38 | $10.88 | $12.98 | $15.08 | $17.18 | $19.27 | $21.37 | $23.47 |
| 39 | $11.63 | $13.92 | $16.20 | $18.48 | $20.77 | $23.05 | $25.34 |
| 40 | $12.54 | $15.06 | $17.57 | $20.09 | $22.60 | $25.11 | $27.62 |
| 41 | $13.50 | $16.25 | $19.01 | $21.76 | $24.51 | $27.26 | $30.01 |
| 42 | $14.54 | $17.55 | $20.56 | $23.58 | $26.58 | $29.60 | $32.61 |
| 43 | $15.66 | $18.95 | $22.25 | $25.54 | $28.83 | $32.12 | $35.41 |
| 44 | $16.95 | $20.56 | $24.18 | $27.79 | $31.40 | $35.02 | $38.63 |
| 45 | $18.36 | $22.33 | $26.29 | $30.26 | $34.23 | $38.20 | $42.16 |
| 46 | $19.65 | $23.94 | $28.23 | $32.52 | $36.80 | $41.09 | $45.38 |
| 47 | $21.02 | $25.65 | $30.28 | $34.92 | $39.54 | $44.18 | $48.81 |
| 48 | $22.51 | $27.52 | $32.52 | $37.53 | $42.54 | $47.54 | $52.55 |
| 49 | $24.18 | $29.60 | $35.02 | $40.44 | $45.86 | $51.28 | $56.70 |
| 50 | $26.04 | $31.93 | $37.82 | $43.71 | $49.60 | $55.49 | $61.38 |
| 51 | $28.16 | $34.58 | $41.00 | $47.42 | $53.93 | $60.25 | $66.67 |
| 52 | $30.61 | $37.64 | $44.68 | $51.71 | $58.74 | $65.76 | $72.80 |
| 53 | $33.44 | $41.17 | $48.91 | $56.65 | $64.38 | $72.12 | $79.86 |
| 54 | $36.51 | $45.02 | $53.52 | $62.03 | $70.53 | $79.04 | $87.54 |
| 55 | $39.92 | $49.27 | $58.63 | $67.99 | $77.34 | $86.70 | $96.06 |
| 56 | $43.53 | $53.79 | $64.05 | $74.31 | $84.57 | $94.83 | $105.09 |
| 57 | $47.27 | $58.47 | $69.66 | $80.86 | $92.05 | $103.25 | $114.44 |
| 58 | $51.42 | $63.66 | $75.89 | $88.13 | $100.36 | $112.59 | $124.82 |
| 59 | $56.04 | $69.42 | $82.81 | $96.19 | $109.58 | $122.96 | $136.35 |
| 60 | $61.27 | $75.96 | $90.66 | $105.35 | $120.05 | $134.74 | $149.44 |
15-year term — Smoker · issue ages 18–60
| Issue age | $100,000 | $125,000 | $150,000 | $175,000 | $200,000 | $225,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 18 | $12.00 | $14.38 | $16.76 | $19.14 | $21.52 | $23.89 | $26.28 |
| 19 | $12.00 | $14.38 | $16.76 | $19.14 | $21.52 | $23.89 | $26.28 |
| 20 | $12.00 | $14.38 | $16.76 | $19.14 | $21.52 | $23.89 | $26.28 |
| 21 | $12.00 | $14.38 | $16.76 | $19.14 | $21.52 | $23.89 | $26.28 |
| 22 | $12.00 | $14.38 | $16.76 | $19.14 | $21.52 | $23.89 | $26.28 |
| 23 | $12.00 | $14.38 | $16.76 | $19.14 | $21.52 | $23.89 | $26.28 |
| 24 | $12.00 | $14.38 | $16.76 | $19.14 | $21.52 | $23.89 | $26.28 |
| 25 | $12.00 | $14.38 | $16.76 | $19.14 | $21.52 | $23.89 | $26.28 |
| 26 | $12.05 | $14.44 | $16.82 | $19.21 | $21.60 | $23.99 | $26.38 |
| 27 | $12.13 | $14.54 | $16.95 | $19.36 | $21.77 | $24.18 | $26.58 |
| 28 | $12.30 | $14.75 | $17.20 | $19.65 | $22.10 | $24.55 | $27.00 |
| 29 | $12.63 | $15.16 | $17.70 | $20.23 | $22.76 | $25.30 | $27.83 |
| 30 | $13.04 | $15.68 | $18.32 | $20.96 | $23.59 | $26.23 | $28.87 |
| 31 | $13.54 | $16.31 | $19.07 | $21.83 | $24.59 | $27.36 | $30.12 |
| 32 | $14.16 | $17.08 | $20.00 | $22.92 | $25.84 | $28.75 | $31.68 |
| 33 | $14.95 | $18.07 | $21.18 | $24.30 | $27.42 | $30.53 | $33.65 |
| 34 | $15.83 | $19.16 | $22.50 | $25.83 | $29.16 | $32.49 | $35.83 |
| 35 | $16.91 | $20.51 | $24.12 | $27.72 | $31.32 | $34.92 | $38.53 |
| 36 | $17.99 | $21.86 | $25.74 | $29.61 | $33.48 | $37.35 | $41.23 |
| 37 | $19.36 | $23.58 | $27.79 | $32.01 | $36.22 | $40.44 | $44.65 |
| 38 | $20.85 | $25.44 | $30.03 | $34.62 | $39.21 | $43.80 | $48.39 |
| 39 | $22.60 | $27.62 | $32.65 | $37.68 | $42.70 | $47.73 | $52.75 |
| 40 | $24.59 | $30.12 | $35.64 | $41.16 | $46.69 | $52.21 | $57.74 |
| 41 | $26.75 | $32.82 | $38.88 | $44.94 | $51.01 | $57.07 | $63.14 |
| 42 | $29.08 | $35.72 | $42.37 | $49.02 | $55.66 | $62.31 | $68.95 |
| 43 | $31.32 | $38.53 | $45.73 | $52.94 | $60.15 | $67.36 | $74.56 |
| 44 | $34.31 | $42.27 | $50.22 | $58.18 | $66.13 | $74.09 | $82.04 |
| 45 | $37.18 | $45.85 | $54.52 | $63.19 | $71.86 | $80.53 | $89.21 |
| 46 | $40.04 | $49.43 | $58.82 | $68.21 | $77.59 | $86.98 | $96.37 |
| 47 | $43.12 | $53.28 | $63.43 | $73.59 | $83.74 | $93.90 | $104.05 |
| 48 | $46.44 | $57.43 | $68.41 | $79.40 | $90.39 | $101.38 | $112.36 |
| 49 | $50.01 | $61.89 | $73.77 | $85.65 | $97.53 | $109.41 | $121.29 |
| 50 | $54.00 | $66.88 | $79.75 | $92.63 | $105.51 | $118.38 | $131.26 |
| 51 | $58.44 | $72.43 | $86.42 | $100.41 | $114.40 | $128.39 | $142.38 |
| 52 | $63.47 | $78.72 | $93.96 | $109.20 | $124.59 | $139.69 | $154.94 |
| 53 | $69.12 | $85.78 | $102.43 | $119.09 | $135.75 | $152.40 | $169.06 |
| 54 | $75.23 | $93.41 | $111.60 | $129.78 | $147.96 | $166.14 | $184.33 |
| 55 | $81.62 | $101.40 | $121.19 | $140.97 | $160.75 | $180.74 | $200.32 |
| 56 | $88.64 | $110.18 | $131.72 | $153.26 | $174.79 | $196.33 | $217.87 |
| 57 | $95.91 | $119.27 | $142.62 | $165.98 | $189.33 | $212.69 | $236.04 |
| 58 | $103.47 | $128.72 | $153.96 | $179.21 | $204.45 | $229.70 | $254.94 |
| 59 | $111.36 | $138.58 | $165.80 | $193.02 | $220.24 | $247.45 | $274.68 |
| 60 | $120.71 | $150.27 | $179.82 | $209.38 | $238.93 | $268.49 | $298.04 |
20-year term — Non-smoker · issue ages 18–55
| Issue age | $100,000 | $125,000 | $150,000 | $175,000 | $200,000 | $225,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 18 | $7.19 | $8.36 | $9.54 | $10.71 | $11.88 | $13.05 | $14.23 |
| 19 | $7.19 | $8.36 | $9.54 | $10.71 | $11.88 | $13.05 | $14.23 |
| 20 | $7.19 | $8.36 | $9.54 | $10.71 | $11.88 | $13.05 | $14.23 |
| 21 | $7.19 | $8.36 | $9.54 | $10.71 | $11.88 | $13.05 | $14.23 |
| 22 | $7.19 | $8.36 | $9.54 | $10.71 | $11.88 | $13.05 | $14.23 |
| 23 | $7.19 | $8.36 | $9.54 | $10.71 | $11.88 | $13.05 | $14.23 |
| 24 | $7.19 | $8.36 | $9.54 | $10.71 | $11.88 | $13.05 | $14.23 |
| 25 | $7.19 | $8.36 | $9.54 | $10.71 | $11.88 | $13.05 | $14.23 |
| 26 | $7.27 | $8.46 | $9.66 | $10.85 | $12.05 | $13.24 | $14.44 |
| 27 | $7.39 | $8.62 | $9.84 | $11.07 | $12.39 | $13.52 | $14.75 |
| 28 | $7.56 | $8.83 | $10.09 | $11.36 | $12.63 | $13.90 | $15.16 |
| 29 | $7.77 | $9.09 | $10.41 | $11.72 | $13.04 | $14.36 | $15.68 |
| 30 | $7.98 | $9.35 | $10.72 | $12.09 | $13.46 | $14.83 | $16.20 |
| 31 | $8.31 | $9.76 | $11.22 | $12.67 | $14.12 | $15.58 | $17.03 |
| 32 | $8.68 | $10.23 | $11.78 | $13.37 | $14.87 | $16.42 | $17.97 |
| 33 | $9.18 | $10.85 | $12.53 | $14.20 | $15.87 | $17.54 | $19.21 |
| 34 | $9.76 | $11.58 | $13.40 | $15.21 | $17.03 | $18.85 | $20.67 |
| 35 | $10.43 | $12.41 | $14.40 | $16.38 | $18.36 | $20.34 | $22.33 |
| 36 | $11.01 | $13.14 | $15.27 | $17.40 | $19.52 | $21.65 | $23.78 |
| 37 | $11.76 | $14.07 | $16.39 | $18.70 | $21.02 | $23.34 | $25.65 |
| 38 | $12.59 | $15.11 | $17.64 | $20.16 | $22.68 | $25.20 | $27.73 |
| 39 | $13.50 | $16.25 | $19.01 | $21.76 | $24.51 | $27.26 | $30.01 |
| 40 | $14.58 | $17.60 | $20.63 | $23.64 | $26.67 | $29.69 | $32.71 |
| 41 | $15.78 | $19.11 | $22.43 | $25.75 | $29.08 | $32.40 | $35.72 |
| 42 | $17.07 | $20.72 | $24.36 | $28.01 | $31.65 | $35.30 | $38.94 |
| 43 | $18.48 | $22.48 | $26.48 | $30.48 | $34.48 | $38.47 | $42.48 |
| 44 | $20.02 | $24.41 | $28.79 | $33.17 | $37.55 | $41.94 | $46.32 |
| 45 | $21.81 | $26.64 | $31.47 | $36.30 | $41.12 | $45.95 | $50.78 |
| 46 | $23.55 | $28.82 | $34.08 | $39.35 | $44.61 | $49.88 | $55.14 |
| 47 | $25.46 | $31.20 | $36.95 | $42.69 | $48.43 | $54.18 | $59.92 |
| 48 | $27.54 | $33.80 | $40.07 | $46.32 | $52.59 | $58.85 | $65.11 |
| 49 | $29.87 | $36.71 | $43.56 | $50.40 | $57.24 | $64.08 | $70.93 |
| 50 | $32.48 | $39.98 | $47.48 | $54.98 | $62.47 | $69.97 | $77.47 |
| 51 | $35.52 | $43.77 | $52.03 | $60.28 | $68.54 | $76.80 | $85.05 |
| 52 | $39.05 | $48.18 | $57.32 | $66.46 | $75.60 | $84.74 | $93.88 |
| 53 | $43.08 | $53.22 | $63.37 | $73.51 | $83.66 | $93.80 | $103.95 |
| 54 | $47.56 | $58.83 | $70.10 | $81.36 | $92.63 | $103.90 | $115.17 |
| 55 | $52.59 | $65.11 | $77.64 | $90.16 | $102.68 | $115.21 | $127.73 |
20-year term — Smoker · issue ages 18–55
| Issue age | $100,000 | $125,000 | $150,000 | $175,000 | $200,000 | $225,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 18 | $12.17 | $14.59 | $17.01 | $19.43 | $21.85 | $24.27 | $26.69 |
| 19 | $12.17 | $14.59 | $17.01 | $19.43 | $21.85 | $24.27 | $26.69 |
| 20 | $12.17 | $14.59 | $17.01 | $19.43 | $21.85 | $24.27 | $26.69 |
| 21 | $12.17 | $14.59 | $17.01 | $19.43 | $21.85 | $24.27 | $26.69 |
| 22 | $12.17 | $14.59 | $17.01 | $19.43 | $21.85 | $24.27 | $26.69 |
| 23 | $12.17 | $14.59 | $17.01 | $19.43 | $21.85 | $24.27 | $26.69 |
| 24 | $12.17 | $14.59 | $17.01 | $19.43 | $21.85 | $24.27 | $26.69 |
| 25 | $12.17 | $14.59 | $17.01 | $19.43 | $21.85 | $24.27 | $26.69 |
| 26 | $12.30 | $14.75 | $17.20 | $19.65 | $22.10 | $24.55 | $27.00 |
| 27 | $12.50 | $15.00 | $17.51 | $20.01 | $22.51 | $25.02 | $27.52 |
| 28 | $12.84 | $15.42 | $18.01 | $20.59 | $23.18 | $25.76 | $28.35 |
| 29 | $13.29 | $15.99 | $18.69 | $21.39 | $24.09 | $26.79 | $29.49 |
| 30 | $13.87 | $16.72 | $19.56 | $22.41 | $25.26 | $28.10 | $30.95 |
| 31 | $14.58 | $17.60 | $20.63 | $23.64 | $26.67 | $29.69 | $32.71 |
| 32 | $15.41 | $18.64 | $21.87 | $25.10 | $28.33 | $31.56 | $34.79 |
| 33 | $16.49 | $19.99 | $23.49 | $26.99 | $30.49 | $33.99 | $37.49 |
| 34 | $17.74 | $21.55 | $25.36 | $29.17 | $32.98 | $36.79 | $40.61 |
| 35 | $19.19 | $23.37 | $27.54 | $31.72 | $35.89 | $40.07 | $44.24 |
| 36 | $20.48 | $24.97 | $29.47 | $33.97 | $38.46 | $42.96 | $47.46 |
| 37 | $22.06 | $26.95 | $31.84 | $36.73 | $41.62 | $46.51 | $51.41 |
| 38 | $23.84 | $29.18 | $34.52 | $39.86 | $45.19 | $50.53 | $55.87 |
| 39 | $25.88 | $31.73 | $37.57 | $43.42 | $49.26 | $55.11 | $60.96 |
| 40 | $28.25 | $34.68 | $41.12 | $47.56 | $54.00 | $60.44 | $66.88 |
| 41 | $30.78 | $37.85 | $44.93 | $52.00 | $59.07 | $66.14 | $73.21 |
| 42 | $33.52 | $41.28 | $49.04 | $56.79 | $64.55 | $72.31 | $80.07 |
| 43 | $36.18 | $44.60 | $53.03 | $61.44 | $69.87 | $78.29 | $86.71 |
| 44 | $39.71 | $49.02 | $58.32 | $67.62 | $76.93 | $86.23 | $95.54 |
| 45 | $43.12 | $53.28 | $63.43 | $73.59 | $83.74 | $93.90 | $104.05 |
| 46 | $46.44 | $57.43 | $68.41 | $79.40 | $90.39 | $101.38 | $112.36 |
| 47 | $50.01 | $61.89 | $73.77 | $85.65 | $97.53 | $109.41 | $121.29 |
| 48 | $53.88 | $66.72 | $79.57 | $92.41 | $105.26 | $118.10 | $130.95 |
| 49 | $58.07 | $71.97 | $85.86 | $99.76 | $113.65 | $127.55 | $141.44 |
| 50 | $62.64 | $77.68 | $92.71 | $107.75 | $122.79 | $137.82 | $152.86 |
| 51 | $67.79 | $84.12 | $100.44 | $116.76 | $133.09 | $149.41 | $165.74 |
| 52 | $73.65 | $91.44 | $109.23 | $127.02 | $144.80 | $162.59 | $180.38 |
| 53 | $80.21 | $99.64 | $119.07 | $138.50 | $157.93 | $177.36 | $196.79 |
| 54 | $87.27 | $116.77 | $129.66 | $150.86 | $172.05 | $193.25 | $214.44 |
| 55 | $94.71 | $117.76 | $140.82 | $163.87 | $186.92 | $209.98 | $233.03 |
25-year term — Non-smoker · issue ages 18–50
| Issue age | $100,000 | $125,000 | $150,000 | $175,000 | $200,000 | $225,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 18 | $7.85 | $9.19 | $10.53 | $11.87 | $13.21 | $14.55 | $15.89 |
| 19 | $7.85 | $9.19 | $10.53 | $11.87 | $13.21 | $14.55 | $15.89 |
| 20 | $7.85 | $9.19 | $10.53 | $11.87 | $13.21 | $14.55 | $15.89 |
| 21 | $7.85 | $9.19 | $10.53 | $11.87 | $13.21 | $14.55 | $15.89 |
| 22 | $7.85 | $9.19 | $10.53 | $11.87 | $13.21 | $14.55 | $15.89 |
| 23 | $7.85 | $9.19 | $10.53 | $11.87 | $13.21 | $14.55 | $15.89 |
| 24 | $7.85 | $9.19 | $10.53 | $11.87 | $13.21 | $14.55 | $15.89 |
| 25 | $7.85 | $9.19 | $10.53 | $11.87 | $13.21 | $14.55 | $15.89 |
| 26 | $7.98 | $9.35 | $10.72 | $12.09 | $13.46 | $14.83 | $16.20 |
| 27 | $8.10 | $9.50 | $10.91 | $12.30 | $13.71 | $15.11 | $16.51 |
| 28 | $8.27 | $9.71 | $11.16 | $12.60 | $14.04 | $15.48 | $16.93 |
| 29 | $8.52 | $10.02 | $11.53 | $13.03 | $14.54 | $16.04 | $17.55 |
| 30 | $8.81 | $10.38 | $11.96 | $13.54 | $15.12 | $16.70 | $18.28 |
| 31 | $9.18 | $10.85 | $12.53 | $14.20 | $15.87 | $17.54 | $19.21 |
| 32 | $9.64 | $11.42 | $13.21 | $15.00 | $16.78 | $18.57 | $20.35 |
| 33 | $10.22 | $12.15 | $14.08 | $16.02 | $17.94 | $19.88 | $21.81 |
| 34 | $10.88 | $12.98 | $15.08 | $17.18 | $19.27 | $21.37 | $23.47 |
| 35 | $11.81 | $13.97 | $16.26 | $18.56 | $20.85 | $23.15 | $25.44 |
| 36 | $12.38 | $14.85 | $17.32 | $19.80 | $22.26 | $24.74 | $27.21 |
| 37 | $13.29 | $15.99 | $18.69 | $21.39 | $24.09 | $26.79 | $29.49 |
| 38 | $14.29 | $17.24 | $20.19 | $23.14 | $26.09 | $29.04 | $31.98 |
| 39 | $15.41 | $18.64 | $21.87 | $25.10 | $28.33 | $31.56 | $34.79 |
| 40 | $16.78 | $20.35 | $23.93 | $27.50 | $31.07 | $34.64 | $38.22 |
| 41 | $18.28 | $22.22 | $26.17 | $30.12 | $34.06 | $38.01 | $41.95 |
| 42 | $19.86 | $24.20 | $28.54 | $32.88 | $37.22 | $41.56 | $45.90 |
| 43 | $21.64 | $26.43 | $31.22 | $36.00 | $40.79 | $45.58 | $50.37 |
| 44 | $23.64 | $28.92 | $34.21 | $39.49 | $44.78 | $50.06 | $55.35 |
| 45 | $25.92 | $31.78 | $37.63 | $43.49 | $49.35 | $55.20 | $61.06 |
| 46 | $27.75 | $34.06 | $40.38 | $46.69 | $53.00 | $59.32 | $65.63 |
| 47 | $29.70 | $36.50 | $43.21 | $50.10 | $56.91 | $63.71 | $70.51 |
| 48 | $31.86 | $39.20 | $46.55 | $53.88 | $61.23 | $68.57 | $75.91 |
| 49 | $34.23 | $42.16 | $50.10 | $58.03 | $65.96 | $73.90 | $81.83 |
| 50 | $36.89 | $45.48 | $54.08 | $62.68 | $71.28 | $79.88 | $88.48 |
25-year term — Smoker · issue ages 18–50
| Issue age | $100,000 | $125,000 | $150,000 | $175,000 | $200,000 | $225,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 18 | $13.79 | $16.62 | $19.44 | $22.26 | $25.09 | $27.91 | $30.74 |
| 19 | $13.79 | $16.62 | $19.44 | $22.26 | $25.09 | $27.91 | $30.74 |
| 20 | $13.79 | $16.62 | $19.44 | $22.26 | $25.09 | $27.91 | $30.74 |
| 21 | $13.79 | $16.62 | $19.44 | $22.26 | $25.09 | $27.91 | $30.74 |
| 22 | $13.79 | $16.62 | $19.44 | $22.26 | $25.09 | $27.91 | $30.74 |
| 23 | $13.79 | $16.62 | $19.44 | $22.26 | $25.09 | $27.91 | $30.74 |
| 24 | $13.79 | $16.62 | $19.44 | $22.26 | $25.09 | $27.91 | $30.74 |
| 25 | $13.79 | $16.62 | $19.44 | $22.26 | $25.09 | $27.91 | $30.74 |
| 26 | $13.96 | $16.82 | $19.69 | $22.56 | $25.42 | $28.29 | $31.15 |
| 27 | $14.25 | $17.19 | $20.13 | $23.06 | $26.00 | $28.94 | $31.88 |
| 28 | $14.66 | $17.70 | $20.75 | $23.79 | $26.83 | $29.88 | $32.92 |
| 29 | $15.24 | $18.43 | $21.62 | $24.81 | $28.00 | $31.19 | $34.38 |
| 30 | $15.99 | $19.37 | $22.74 | $26.12 | $29.49 | $32.87 | $36.24 |
| 31 | $16.86 | $20.46 | $24.05 | $27.65 | $31.24 | $34.83 | $38.42 |
| 32 | $17.90 | $21.76 | $25.61 | $29.46 | $33.31 | $37.17 | $41.02 |
| 33 | $19.23 | $23.42 | $27.60 | $31.79 | $35.97 | $40.16 | $44.34 |
| 34 | $20.77 | $25.34 | $29.91 | $34.48 | $39.05 | $43.62 | $48.18 |
| 35 | $22.60 | $27.62 | $32.65 | $37.68 | $42.70 | $47.73 | $52.75 |
| 36 | $24.13 | $29.54 | $34.96 | $40.37 | $45.78 | $51.18 | $56.60 |
| 37 | $26.00 | $31.88 | $37.76 | $43.64 | $49.51 | $55.39 | $61.27 |
| 38 | $28.16 | $34.58 | $41.00 | $47.42 | $53.83 | $60.25 | $66.67 |
| 39 | $30.57 | $37.59 | $44.61 | $51.63 | $58.65 | $65.67 | $72.69 |
| 40 | $33.36 | $41.07 | $48.79 | $56.50 | $64.22 | $71.94 | $79.65 |
| 41 | $36.39 | $44.86 | $53.34 | $61.81 | $70.28 | $78.76 | $87.23 |
| 42 | $39.67 | $48.96 | $58.26 | $67.55 | $76.85 | $86.14 | $95.44 |
| 43 | $42.83 | $52.91 | $63.00 | $73.08 | $83.16 | $93.24 | $103.33 |
| 44 | $47.02 | $58.15 | $69.29 | $80.42 | $91.55 | $102.68 | $113.82 |
| 45 | $51.05 | $63.19 | $75.33 | $87.47 | $99.61 | $111.75 | $123.89 |
| 46 | $55.20 | $68.38 | $81.56 | $94.74 | $107.92 | $121.09 | $134.28 |
| 47 | $59.69 | $73.99 | $88.29 | $102.59 | $116.89 | $131.19 | $145.49 |
| 48 | $64.51 | $80.01 | $95.52 | $111.02 | $126.53 | $142.03 | $157.54 |
| 49 | $69.78 | $86.57 | $103.43 | $120.25 | $137.08 | $153.90 | $170.72 |
| 50 | $75.56 | $93.83 | $112.09 | $130.36 | $148.62 | $166.89 | $185.16 |
30-year term — Non-smoker · issue ages 18–45
| Issue age | $100,000 | $125,000 | $150,000 | $175,000 | $200,000 | $225,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 18 | $8.47 | $9.97 | $11.46 | $12.96 | $14.46 | $15.95 | $17.45 |
| 19 | $8.47 | $9.97 | $11.46 | $12.96 | $14.46 | $15.95 | $17.45 |
| 20 | $8.47 | $9.97 | $11.46 | $12.96 | $14.46 | $15.95 | $17.45 |
| 21 | $8.47 | $9.97 | $11.46 | $12.96 | $14.46 | $15.95 | $17.45 |
| 22 | $8.47 | $9.97 | $11.46 | $12.96 | $14.46 | $15.95 | $17.45 |
| 23 | $8.47 | $9.97 | $11.46 | $12.96 | $14.46 | $15.95 | $17.45 |
| 24 | $8.47 | $9.97 | $11.46 | $12.96 | $14.46 | $15.95 | $17.45 |
| 25 | $8.47 | $9.97 | $11.46 | $12.96 | $14.46 | $15.95 | $17.45 |
| 26 | $8.60 | $10.13 | $11.65 | $13.18 | $14.70 | $16.23 | $17.76 |
| 27 | $8.76 | $10.33 | $11.90 | $13.47 | $15.04 | $16.61 | $18.18 |
| 28 | $8.97 | $10.59 | $12.21 | $13.83 | $15.45 | $17.07 | $18.69 |
| 29 | $9.26 | $10.96 | $12.65 | $14.34 | $16.03 | $17.73 | $19.42 |
| 30 | $9.60 | $11.37 | $13.15 | $14.92 | $16.70 | $18.48 | $20.25 |
| 31 | $10.05 | $11.94 | $13.83 | $15.72 | $17.61 | $19.50 | $21.39 |
| 32 | $10.59 | $12.62 | $14.64 | $16.67 | $18.69 | $20.72 | $22.74 |
| 33 | $11.26 | $13.45 | $15.64 | $17.83 | $20.02 | $22.21 | $24.41 |
| 34 | $12.05 | $14.44 | $16.82 | $19.21 | $21.60 | $23.99 | $26.38 |
| 35 | $13.00 | $15.63 | $18.26 | $20.88 | $23.51 | $26.14 | $28.77 |
| 36 | $13.79 | $16.62 | $19.44 | $22.26 | $25.09 | $27.91 | $30.74 |
| 37 | $14.79 | $17.86 | $20.94 | $24.01 | $27.08 | $30.16 | $33.23 |
| 38 | $15.91 | $19.26 | $22.62 | $25.97 | $29.33 | $32.68 | $36.04 |
| 39 | $17.11 | $20.77 | $24.42 | $28.08 | $31.74 | $35.39 | $39.05 |
| 40 | $18.61 | $22.64 | $26.67 | $30.70 | $34.73 | $38.76 | $42.78 |
| 41 | $20.19 | $24.61 | $29.04 | $33.46 | $37.88 | $42.31 | $46.73 |
| 42 | $21.89 | $26.74 | $31.59 | $36.44 | $41.29 | $46.14 | $50.99 |
| 43 | $23.80 | $29.13 | $34.46 | $39.78 | $45.11 | $50.44 | $55.77 |
| 44 | $25.92 | $31.78 | $37.63 | $43.49 | $49.35 | $55.20 | $61.06 |
| 45 | $28.33 | $34.79 | $41.25 | $47.71 | $54.17 | $60.63 | $67.08 |
30-year term — Smoker · issue ages 18–45
| Issue age | $100,000 | $125,000 | $150,000 | $175,000 | $200,000 | $225,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 18 | $14.79 | $17.86 | $20.94 | $24.01 | $27.08 | $30.16 | $33.23 |
| 19 | $14.79 | $17.86 | $20.94 | $24.01 | $27.08 | $30.16 | $33.23 |
| 20 | $14.79 | $17.86 | $20.94 | $24.01 | $27.08 | $30.16 | $33.23 |
| 21 | $14.79 | $17.86 | $20.94 | $24.01 | $27.08 | $30.16 | $33.23 |
| 22 | $14.79 | $17.86 | $20.94 | $24.01 | $27.08 | $30.16 | $33.23 |
| 23 | $14.79 | $17.86 | $20.94 | $24.01 | $27.08 | $30.16 | $33.23 |
| 24 | $14.79 | $17.86 | $20.94 | $24.01 | $27.08 | $30.16 | $33.23 |
| 25 | $14.79 | $17.86 | $20.94 | $24.01 | $27.08 | $30.16 | $33.23 |
| 26 | $15.00 | $18.12 | $21.25 | $24.37 | $27.50 | $30.62 | $33.75 |
| 27 | $15.33 | $18.54 | $21.75 | $24.96 | $28.16 | $31.37 | $34.58 |
| 28 | $15.78 | $19.11 | $22.43 | $25.75 | $29.08 | $32.40 | $35.72 |
| 29 | $16.54 | $19.94 | $23.43 | $26.92 | $30.41 | $33.90 | $37.38 |
| 30 | $17.28 | $20.98 | $24.67 | $28.37 | $32.07 | $35.76 | $39.46 |
| 31 | $18.24 | $22.17 | $26.11 | $30.04 | $33.98 | $37.92 | $41.85 |
| 32 | $19.44 | $23.68 | $27.91 | $32.15 | $36.39 | $40.62 | $44.86 |
| 33 | $20.89 | $25.50 | $30.10 | $34.69 | $39.30 | $43.90 | $48.50 |
| 34 | $22.64 | $27.67 | $32.71 | $37.75 | $42.78 | $47.82 | $52.86 |
| 35 | $24.72 | $30.27 | $35.83 | $41.38 | $46.94 | $52.50 | $58.05 |
| 36 | $26.42 | $32.40 | $38.38 | $44.36 | $50.34 | $56.33 | $62.31 |
| 37 | $28.50 | $35.00 | $41.50 | $48.00 | $54.50 | $61.00 | $67.50 |
| 38 | $30.86 | $37.96 | $45.05 | $52.14 | $59.23 | $66.08 | $73.42 |
| 39 | $33.52 | $41.28 | $49.04 | $56.79 | $64.55 | $72.31 | $80.07 |
| 40 | $36.64 | $45.18 | $53.71 | $62.25 | $70.78 | $79.32 | $87.85 |
| 41 | $40.00 | $49.24 | $58.76 | $68.13 | $77.51 | $86.89 | $96.27 |
| 42 | $43.62 | $53.90 | $64.18 | $74.46 | $84.74 | $95.02 | $105.30 |
| 43 | $47.10 | $58.26 | $69.41 | $80.57 | $91.72 | $102.87 | $114.02 |
| 44 | $51.72 | $64.02 | $76.33 | $88.63 | $100.94 | $113.24 | $125.55 |
| 45 | $56.20 | $69.63 | $81.67 | $96.48 | $109.91 | $123.34 | $136.77 |
After the initial term
The brochure describes annual renewal up to age 95. Renewal is separate from the initial level term; the tables above do not show renewal premiums. Conversion to an eligible permanent policy may be available before the earlier of the tenth policy anniversary or your 70th birthday, subject to the policy's terms. We can explain these options on your call.