$500k Life Insurance No Medical Exam Rates by Age Chart
Posted in No Exam last updated on May 13, 2022
It’s now possible to secure a $500k no medical exam term life insurance policy online without ever having to speak to an agent or pushy sales person. The coverage is from a legacy insuerer that has been in business for over 135 years, is A+ superior rated and never failed to pay a valid claim. This policy is available for those who are between the ages of 20-60 and generally are in good health.
Below we’ll show the rates by age charts to see how affordable a $500,000 life insurance no medical exam term life insurance policy really is.
Table of contents
- $500k No Medical Exam Life Insurance Rates by Age Chart: 10 Year Term
- $500k No Medical Exam Life Insurance Rates by Age Chart: 15 Year Term
- $500k No Medical Exam Life Insurance Rates by Age Chart: 20 Year Term
- $500k No Medical Exam Life Insurance Rates by Age Chart: 25 Year Term
- $500k No Medical Exam Life Insurance Rates by Age Chart: 30 Year Term
- Who Is $500k No Medical Exam Life Insurance For?
- Instant $500k Life Insurance No-Exam Term Life Insurance Quotes
$500k No Medical Exam Life Insurance Rates by Age Chart: 10 Year Term
Below are the monthly rates (quotes) for a $500,000 no medical exam 10-year term life insurance policy for ages 20-60 years old by; age, gender and health class. The application is 100% online and can be activated without ever speaking to an agent.
| Age | Gender | Preferred Plus | Preferred | Select |
|---|---|---|---|---|
| 20 | Male | $22.25 | $26.00 | $32.67 |
| 20 | Female | $10.17 | $13.08 | $20.58 |
| 25 | Male | $22.25 | $26.00 | $32.67 |
| 25 | Female | $10.17 | $13.08 | $20.58 |
| 30 | Male | $22.25 | $26.00 | $32.67 |
| 30 | Female | $11.83 | $14.75 | $20.58 |
| 35 | Male | $22.25 | $26.00 | $32.67 |
| 35 | Female | $13.50 | $17.25 | $21.00 |
| 40 | Male | $32.25 | $41.42 | $51.83 |
| 40 | Female | $21.83 | $28.92 | $36.00 |
| 45 | Male | $41.83 | $56.83 | $70.58 |
| 45 | Female | $30.58 | $41.00 | $50.58 |
| 50 | Male | $61.42 | $83.08 | $103.50 |
| 50 | Female | $41.83 | $58.92 | $72.25 |
| 55 | Male | $81.00 | $109.33 | $136.00 |
| 55 | Female | $56.00 | $76.42 | $93.92 |
| 60 | Male | $114.75 | $135.58 | $201.42 |
| 60 | Female | $78.50 | $95.58 | $137.67 |
$500k No Medical Exam Life Insurance Rates by Age Chart: 15 Year Term
Below are the monthly rates (quotes) for a $500,000 no medical exam 15-year term life insurance policy for ages 20-55 years old by; age, gender and health class. Rates are from an A+ rated insurance company.
| Age | Gender | Preferred Plus | Preferred | Select |
|---|---|---|---|---|
| 20 | Male | $22.25 | $26.00 | $32.67 |
| 20 | Female | $12.67 | $16.00 | $23.92 |
| 25 | Male | $22.25 | $26.00 | $32.67 |
| 25 | Female | $12.67 | $16.00 | $23.92 |
| 30 | Male | $22.25 | $26.00 | $32.67 |
| 30 | Female | $13.92 | $17.67 | $25.58 |
| 35 | Male | $22.25 | $27.25 | $33.92 |
| 35 | Female | $16.00 | $19.75 | $27.67 |
| 40 | Male | $35.58 | $44.75 | $56.00 |
| 40 | Female | $25.58 | $32.67 | $41.00 |
| 45 | Male | $48.50 | $61.83 | $78.08 |
| 45 | Female | $35.17 | $45.58 | $57.25 |
| 50 | Male | $61.83 | $93.92 | $116.42 |
| 50 | Female | $43.08 | $66.00 | $83.08 |
| 55 | Male | $88.50 | $125.58 | $173.92 |
| 55 | Female | $63.50 | $86.42 | $119.33 |
| 60 | Male | $114.75 | $135.58 | $201.42 |
| 60 | Female | $78.50 | $95.58 | $137.67 |
$500k No Medical Exam Life Insurance Rates by Age Chart: 20 Year Term
Below are the monthly rates (quotes) for a $500,000 no medical exam 20-year term life insurance policy for ages 20-50 years old by; age, gender and health class.
| Age | Gender | Preferred Plus | Preferred | Select |
|---|---|---|---|---|
| 20 | Male | $23.08 | $30.17 | $36.83 |
| 20 | Female | $14.75 | $18.50 | $28.08 |
| 25 | Male | $23.08 | $30.17 | $36.83 |
| 25 | Female | $14.75 | $18.50 | $28.08 |
| 30 | Male | $24.75 | $32.25 | $38.92 |
| 30 | Female | $16.83 | $21.42 | $29.33 |
| 35 | Male | $26.42 | $33.92 | $41.42 |
| 35 | Female | $19.75 | $25.17 | $31.00 |
| 40 | Male | $38.50 | $54.33 | $66.83 |
| 40 | Female | $27.25 | $40.17 | $49.33 |
| 45 | Male | $50.17 | $74.33 | $92.25 |
| 45 | Female | $38.08 | $54.75 | $71.00 |
| 50 | Male | $73.50 | $94.75 | $140.07 |
| 50 | Female | $55.58 | $69.75 | $107.25 |
$500k No Medical Exam Life Insurance Rates by Age Chart: 25 Year Term
Below are the monthly rates (quotes) for a $500,000 no medical exam 25-year term life insurance policy for ages 20-45 years old by; age, gender and health class.
| Age | Gender | Preferred Plus | Preferred | Select |
|---|---|---|---|---|
| 20 | Male | $28.08 | $36.83 | $43.92 |
| 20 | Female | $18.50 | $22.67 | $32.67 |
| 25 | Male | $28.08 | $36.83 | $43.92 |
| 25 | Female | $18.50 | $22.67 | $32.67 |
| 30 | Male | $31.83 | $42.25 | $49.75 |
| 30 | Female | $21.00 | $26.83 | $35.58 |
| 35 | Male | $35.58 | $47.25 | $55.17 |
| 35 | Female | $26.00 | $33.08 | $38.50 |
| 40 | Male | $58.50 | $80.58 | $88.08 |
| 40 | Female | $43.08 | $55.58 | $62.25 |
| 45 | Male | $81.82 | $122.67 | $140.58 |
| 45 | Female | $60.17 | $91.42 | $104.33 |
$500k No Medical Exam Life Insurance Rates by Age Chart: 30 Year Term
Below are the monthly rates (quotes) for a $500,000 no medical exam 30-year term life insurance policy for ages 20-40 years old by; age, gender and health class.
| Age | Gender | Preferred Plus | Preferred | Select |
|---|---|---|---|---|
| 20 | Male | $33.91 | $43.92 | $50.58 |
| 20 | Female | $21.83 | $25.58 | $32.67 |
| 25 | Male | $33.92 | $43.92 | $50.58 |
| 25 | Female | $21.83 | $25.58 | $35.17 |
| 30 | Male | $52.67 | $68.50 | $76.00 |
| 30 | Female | $28.08 | $35.17 | $42.67 |
| 35 | Male | $52.67 | $68.50 | $76.00 |
| 35 | Female | $36.00 | $45.58 | $52.67 |
| 40 | Male | $58.50 | $80.58 | $88.08 |
| 40 | Female | $43.92 | $56.00 | $77.67 |
| 45 | Male | $81.82 | $122.67 | $140.58 |
| 45 | Female | $60.17 | $91.42 | $104.33 |
Methodology
Date of birth used 5/1 for male and female. Quotes are from Bestow Life Insurance for no-exam instant decision online term life insurance application. Conversion option to permanent insurance is not available on this instant-decision no medical exam policy.
Who Is $500k No Medical Exam Life Insurance For?
A $500k no medical exam term life insurance policy is ideal for those looking to protect their income, loved ones, cover debts such as a mortgage or cover a small business loan.
No medical exam, instant-issue level term life insurance is great for:
- Family protection
- Income protection
- Mortgage protection
- Often a much better policy compared to employer sponsored supplemental and voluntary life insurance which is not portable and or is very expensive
- Often a much better policy than most associations step-rate life insurance plans that increase premiums every 5 years
- Busy professionals
- Executives
- Those who don’t like needles
- SBA loans
- New families
- Stay-at-home parents
- Single parents
- Self-employed
Instant $500k Life Insurance No-Exam Term Life Insurance Quotes
Compare quotes below for a $500k life insurance no medical exam policy with instant-decision technology to lock in the rate for 10, 15, 20, 25 and 30 years level (fixed) premiums.
- No Medical Exam
- 100% Online Application
- Fast online policy delivery and online policyholder dashboard
- Fixed premiums: 10, 15, 20, 25 and 30 year terms available (depending on age)
- Competitive rates
- A+ Superior rated financially
- Founded in 1886 (insurer- North American Life) and never failed to pay a valid claim in 135 years
- Paid out $480 million in death claims in 2020 alone (North American Life)
*Disclaimer: Coverage begins for natural causes and accidents immediately once the policy is activated. It’s important to be 100% honest on the life insurance application as the insurer can contest the policy in the first two-years if death occurs and there was misrepresentation on the application. Also, the insurance company has the right to audit policy in the first two-years which could result in termination if there was misrepresentation on the application. Please see your individual life insurance policy for terms, conditions and exclusions. This is not a legal document and is to be used for informational purposed only.
