Universal Life policies are a hybrid-type policy which combine the low cost associated with term insurance with a cash accumulation account. Flexibility is the number one advantage of a universal life policy. This feature allows a person to select his or her own payment schedule and make any changes. The minimum face amount on this policy is $25,000 under age 45 and $15,000 over age 45.
Sample Rates: Male
$25,000 Universal Life Policy |
|
Sample Rates: Female
$25,000 Universal Life Policy |
Issue
Age |
Annual
Premium
Nonsmoker |
Annual
Premium
Smoker |
| 20 |
$135.60 |
$172.31 |
|
|
|
| 25 |
$155.20 |
$201.77 |
|
|
|
| 30 |
$186.27 |
$248.62 |
|
|
|
| 35 |
$232.06 |
$317.41 |
|
|
|
| 40 |
$296.65 |
$413.51 |
|
|
|
| 45 |
$296.65 |
$543.13 |
|
|
|
| 50 |
$512.81 |
$718.09 |
|
|
|
| 55 |
$691.41 |
$955.34 |
|
|
|
| 60 |
$943.00 |
$1,272.82 |
|
|
|
| 65 |
$1,299.89 |
$1,701.93 |
|
|
Issue
Age |
Annual
Premium
Nonsmoker |
Annual
Premium
Smoker |
| 20 |
$119.08 |
$136.38 |
|
|
|
| 25 |
$137.91 |
$161.31 |
|
|
|
| 30 |
$164.38 |
$196.18 |
|
|
|
| 35 |
$201.61 |
$244.70 |
|
|
|
| 40 |
$252.83 |
$310.38 |
|
|
|
| 45 |
$321.27 |
$394.35 |
|
|
|
| 50 |
$414.87 |
$504.43 |
|
|
|
| 55 |
$544.24 |
$651.23 |
|
|
|
| 60 |
$727.97 |
$854.09 |
|
|
|
| 65 |
$998.70 |
$1,148.91 |
|
Looking for a rate but don’t see it listed? Contact your Lodge secretary or sales agent, or phone the SNPJ Home Office at 1-800-843-7675 (1-800-THE SNPJ). |
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