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I am sure you realize how much the cost of almost everything has increased. For instance, the average mortgage now is in excess of $100,000. Everyone knows what has happened to the cost of a college education. Although our government tells us inflation has been under control for the past several years, my recent trips to the gas pump, supermarket and dry cleaners tell me differently.

As the cost of living continues to increase, so does the need for additional life insurance protection. Most financial planners tell us we need between 5 and 10 times our annual income, not to mention coverage for our spouses. However, many of us believe that the cost would be excessive. WE HAVE REDUCED OUR TERM LIFE RATES SEVERAL TIMES IN THE PAST FIVE YEARS!

Sample Monthly Rates as a Healthy Non-Tobacco User
(10 Year Level Term Life Insurance)
Sex/Age $100,000
Face Amt		 $250,000
Face Amt		 $500,000
Face Amt		 $1,000,000
Face Amt		 $2,000,000
Face Amt
Male 35 11.22 15.51 22.95 40.80 76.50
Male 40 13.60 21.04 31.88 58.65 112.20
Male 45 16.92 28.26 45.48 85.85 166.60
Male 50 22.70 41.86 68.43 131.75 258.40
Male 55 31.37 61.41 95.63 186.15 367.20
Female 35 10.29 13.60 19.13 33.15 61.20
Female 40 12.16 17.85 27.20 49.30 93.50
Female 45 14.88 23.59 37.83 70.55 136.00
Female 50 18.70 32.94 52.70 100.30 195.50
Female 55 24.40 45.69 70.13 135.15 265.20
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