$500k Life Insurance Instant-Issue No Medical Exam Rates by Age Chart

500k life insurance no exam term life insurance rates by age chart

It’s now possible to secure a $500k instant-issue 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 immediate coverage term life insurance policy really is.

$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.

AgeGenderPreferred PlusPreferred Select
20Male$22.25$26.00$32.67
20Female$10.17$13.08$20.58
25Male$22.25$26.00$32.67
25Female$10.17$13.08$20.58
30Male$22.25$26.00$32.67
30Female$11.83$14.75$20.58
35Male$22.25$26.00$32.67
35Female$13.50$17.25$21.00
40Male$32.25$41.42$51.83
40Female$21.83$28.92$36.00
45Male$41.83$56.83$70.58
45Female$30.58$41.00$50.58
50Male$61.42$83.08$103.50
50Female$41.83$58.92$72.25
55Male$81.00$109.33$136.00
55Female$56.00$76.42$93.92
60Male$114.75$135.58$201.42
60Female$78.50$95.58$137.67
$500k No Medical Exam Life Insurance Rates by Age Chart- 10 Year Term for man and woman

$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.

AgeGenderPreferred PlusPreferred Select
20Male$22.25$26.00$32.67
20Female$12.67$16.00$23.92
25Male$22.25$26.00$32.67
25Female$12.67$16.00$23.92
30Male$22.25$26.00$32.67
30Female$13.92$17.67$25.58
35Male$22.25$27.25$33.92
35Female$16.00$19.75$27.67
40Male$35.58$44.75$56.00
40Female$25.58$32.67$41.00
45Male$48.50$61.83$78.08
45Female$35.17$45.58$57.25
50Male$61.83$93.92$116.42
50Female$43.08$66.00$83.08
55Male$88.50$125.58$173.92
55Female$63.50$86.42$119.33
60Male$114.75$135.58$201.42
60Female$78.50$95.58$137.67
$500k No Medical Exam Life Insurance Rates by Age Chart- 15 Year Term for man and woman

$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.

AgeGenderPreferred PlusPreferred Select
20Male$23.08$30.17$36.83
20Female$14.75$18.50$28.08
25Male$23.08$30.17$36.83
25Female$14.75$18.50$28.08
30Male$24.75$32.25$38.92
30Female$16.83$21.42$29.33
35Male$26.42$33.92$41.42
35Female$19.75$25.17$31.00
40Male$38.50$54.33$66.83
40Female$27.25$40.17$49.33
45Male$50.17$74.33$92.25
45Female$38.08$54.75$71.00
50Male$73.50$94.75$140.07
50Female$55.58$69.75$107.25
$500k No Medical Exam Life Insurance Rates by Age Chart- 20 Year Term for man and woman

$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.

AgeGenderPreferred PlusPreferred Select
20Male$28.08$36.83$43.92
20Female$18.50$22.67$32.67
25Male$28.08$36.83$43.92
25Female$18.50$22.67$32.67
30Male$31.83$42.25$49.75
30Female$21.00$26.83$35.58
35Male$35.58$47.25$55.17
35Female$26.00$33.08$38.50
40Male$58.50$80.58$88.08
40Female$43.08$55.58$62.25
45Male$81.82$122.67$140.58
45Female$60.17$91.42$104.33
$500k No Medical Exam Life Insurance Rates by Age Chart- 25 Year Term for man and woman

$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.

AgeGenderPreferred PlusPreferred Select
20Male$33.91$43.92$50.58
20Female$21.83$25.58$32.67
25Male$33.92$43.92$50.58
25Female$21.83$25.58$35.17
30Male$52.67$68.50$76.00
30Female$28.08$35.17$42.67
35Male$52.67$68.50$76.00
35Female$36.00$45.58$52.67
40Male$58.50$80.58$88.08
40Female$43.92$56.00$77.67
45Male$81.82$122.67$140.58
45Female$60.17$91.42$104.33
$500k No Medical Exam Life Insurance Rates by Age Chart- 30 Year Term for man and woman

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 same-day 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 online instant-issue 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.

error: Content is protected !!