Spreadsheet of 6 Products

NOTE: Some companies offer even lower premiums than those used in this sample. Your ability to qualify for those lower premiums is dependent on you fitting the preferred health profile for those products. The www.term4sale.ca comparisons give you an option to examine that health criteria by giving the comparison software more information such as your height and weight, blood pressure, cholesterol, etc.


Today's Date is: March 26th, 2007

Premiums quoted are for California

The analysis is for a total insurance death benefit of $500,000

Premiums are based upon a 35 year old Male Non-Smoker in Preferred health.

1.

New York Life Insurance Company

Five Year Term

Preferred Non-Smoker

Pf

2.

Ohio National Life Assurance Corporation

Term 10

Preferred Non-Smoker

Pf

3.

Ohio National Life Assurance Corporation

Term 15

Preferred Non-Smoker

Pf

4.

Savings Bank Life Insurance Co of MA

T-20/20 - 20 Year Term Guaranteed 20

Preferred Non-Nicotine

Pf

5.

Savings Bank Life Insurance Co of MA

T-25/25 - 25 Year Term Guaranteed 25

Preferred Non-Nicotine

Pf

6.

MetLife Investors USA Insurance Company

Guaranteed Level Term 30

Preferred Plus Nonsmoker

Pf



Guaranteed Annual Premium

Year

Product 1

Product 2

Product 3

Product 4

Product 5

Product 6

1

340.00

165.00

250.00

345.00

470.00

529.00

2

340.00

165.00

250.00

345.00

470.00

529.00

3

340.00

165.00

250.00

345.00

470.00

529.00

4

340.00

165.00

250.00

345.00

470.00

529.00

5

340.00

165.00

250.00

345.00

470.00

529.00

Accumulated

1,700.00

825.00

1,250.00

1,725.00

2,350.00

2,645.00

Premium Cost

 

 

 

 

 

 

6

2,055.00

165.00

250.00

345.00

470.00

529.00

7

2,210.00

165.00

250.00

345.00

470.00

529.00

8

2,370.00

165.00

250.00

345.00

470.00

529.00

9

2,555.00

165.00

250.00

345.00

470.00

529.00

10

2,735.00

165.00

250.00

345.00

470.00

529.00

Accumulated

13,625.00

1,650.00

2,500.00

3,450.00

4,700.00

5,290.00

Premium Cost

 

 

 

 

 

 

11

2,955.00

2,455.00

250.00

345.00

470.00

529.00

12

3,190.00

2,635.00

250.00

345.00

470.00

529.00

13

3,445.00

2,845.00

250.00

345.00

470.00

529.00

14

3,715.00

2,990.00

250.00

345.00

470.00

529.00

15

4,025.00

3,080.00

250.00

345.00

470.00

529.00

Accumulated

30,955.00

15,655.00

3,750.00

5,175.00

7,050.00

7,935.00

Premium Cost

 

 

 

 

 

 

16

4,345.00

3,330.00

2,985.00

345.00

470.00

529.00

17

4,730.00

3,625.00

3,355.00

345.00

470.00

529.00

18

5,180.00

3,820.00

3,785.00

345.00

470.00

529.00

19

5,675.00

4,130.00

4,275.00

345.00

470.00

529.00

20

6,255.00

4,480.00

4,845.00

345.00

470.00

529.00

Accumulated

57,140.00

35,040.00

22,995.00

6,900.00

9,400.00

10,580.00

Premium Cost

 

 

 

 

 

 

21

6,895.00

4,595.00

5,495.00

12,365.00

470.00

529.00

22

7,600.00

4,685.00

6,230.00

13,410.00

470.00

529.00

23

8,355.00

4,685.00

7,030.00

14,500.00

470.00

529.00

24

9,170.00

6,005.00

7,920.00

15,625.00

470.00

529.00

25

10,085.00

7,285.00

8,990.00

16,835.00

470.00

529.00

Accumulated

99,245.00

62,295.00

58,660.00

79,635.00

11,750.00

13,225.00

Premium Cost

 

 

 

 

 

 

26

11,110.00

8,705.00

10,215.00

18,170.00

18,170.00

529.00

27

12,250.00

10,280.00

11,530.00

19,680.00

19,680.00

529.00

28

13,545.00

12,050.00

13,130.00

21,470.00

21,470.00

529.00

29

15,020.00

14,040.00

14,980.00

23,530.00

23,530.00

529.00

30

16,695.00

16,255.00

17,020.00

25,870.00

25,870.00

529.00

Accumulated

167,865.00

123,625.00

125,535.00

188,355.00

120,470.00

15,870.00

Premium Cost

 

 

 

 

 

 

31

18,540.00

18,680.00

19,320.00

28,440.00

28,440.00

18,324.00

32

20,525.00

21,255.00

21,850.00

31,135.00

31,135.00

20,139.00

33

22,680.00

23,995.00

24,645.00

33,970.00

33,970.00

21,984.00

34

24,990.00

26,860.00

27,575.00

36,925.00

36,925.00

23,964.00

35

27,510.00

29,880.00

30,665.00

40,085.00

40,085.00

26,019.00

Accumulated

282,110.00

244,295.00

249,590.00

358,910.00

291,025.00

126,300.00

Premium Cost

 

 

 

 

 

 

36

30,350.00

33,310.00

34,010.00

43,690.00

43,690.00

28,509.00

37

34,095.00

37,610.00

38,205.00

47,830.00

47,830.00

31,294.00

38

37,290.00

41,345.00

41,785.00

52,695.00

52,695.00

34,949.00

39

41,560.00

46,550.00

46,570.00

58,430.00

58,430.00

38,809.00

40

46,355.00

51,920.00

51,940.00

64,945.00

64,945.00

42,869.00

Accumulated

471,760.00

455,030.00

462,100.00

626,500.00

558,615.00

302,730.00

Premium Cost

 

 

 

 

 

 

Year

Product 1

Product 2

Product 3

Product 4

Product 5

Product 6



Premium Modes

 

Company Name

Annual

Monthly

Quarterly

Semi-Annual

1.

New York Life Insurance Company

340.00

35.01

93.36

177.81

2.

Ohio National Life Assurance Corporation

165.00

14.69

44.55

85.80

3.

Ohio National Life Assurance Corporation

250.00

22.25

67.50

130.00

4.

Savings Bank Life Insurance Co of MA

345.00

30.02

89.70

175.95

5.

Savings Bank Life Insurance Co of MA

470.00

40.89

122.20

239.70

6.

MetLife Investors USA Insurance Company

529.00

47.61

142.83

280.37

NOTE: Every effort has been made to assure the accuracy of this information but we cannot guarantee accuracy and are not liable for errors or omissions.