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How much could I expect to pay/month for $200,000 life insurance? s/w/m/23yo/ny/nonsmoker/no health issues? |
that's 23 years old, white, male in upstate new york, college grad, (nonsmoker/no health problems). I just need a ballpark figure. $10? $100? I just have absolutely no idea so if you have any idea, you know more than me. Go to reliquote: I plugged in some number for a 23 yo male in New York. Normal height and weight, non smoker, with no health problems or family history of health problems. Most of the 20 yr quotes were between 15-20/month. Do not, repeat, do not go for that overpriced whole, variable, etc... life insurance. They will tell you that you are investing and insuring yourself. Insurance is for planning for your loss of income. It's so your love ones aren't left with all your debts and no way to pay them off. Fees and return on investments in whole life, variable-life and there ilk insurance will eat up profits. Get 20 year level term: Take the money you save for not buying into the whole life insurance crap and invest it. You'll do much better than paying fees and commissions to insurance companies. https://www.netquote.com/?nqid=12743&sta... My favorite site is www.term4sale.com They don't sell insurance - just post rates from least to most expensive. 18 years, licenced life & health agent in CA. Ok, You may not find this answer very enlightening but it all depends on the company that you apply to. Things that play major role on the premiums are the above things that you mentioned, being a non smoker is a great plus, location, driving habbits, hobbies e.t.c Also another thing that plays major role is the type of policy that you are trying to get. If I was your age I would try to get the maximum coverage that I'd qualify for with option to increase every 5-10 years, something that also builds cash value. It will be a little bit more expensive than just straight life but it is well worth it in the end. Again to go back to your question, you could pay $10 or you could pay $100. It all depends on what you want to get out of the policy. $200 a year for term. $2500 a year for whole life. agent, 20+ years |
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