Number-crunching to see the real value of the seemingly attractive offer in the mail.
Monthly premiums (male, 30 years old, nonsmoker, $150,000 coverage)
Age CAA offer vs. available term policies from company X
5 year 5 year 20 year 20 year
-best -most -best -most
risks people risks people
30 14.25 14.44 15.12 17.82 19.98
31 14.25 14.44 15.12 17.82 19.98
32 14.25 14.44 15.12 17.82 19.98
33 14.25 14.44 15.12 17.82 19.98
34 14.25 14.44 15.12 17.82 19.98
35 17.25 19.58 20.25 17.82 19.98
36 17.25 19.58 20.25 17.82 19.98
37 17.25 19.58 20.25 17.82 19.98
38 17.25 19.58 20.25 17.82 19.98
39 17.25 19.58 20.25 17.82 19.98
All premiums
- since start
1890.00 2041.20 2122.20 2138.40 2397.60
40 24.00 24.71 25.65 17.82 19.98
41 24.00 24.71 25.65 17.82 19.98
42 24.00 24.71 25.65 17.82 19.98
43 24.00 24.71 25.65 17.82 19.98
44 24.00 24.71 25.65 17.82 19.98
45 34.50 35.37 36.85 17.82 19.98
46 34.50 35.37 36.85 17.82 19.98
47 34.50 35.37 36.85 17.82 19.98
48 34.50 35.37 36.85 17.82 19.98
49 34.50 35.37 36.85 17.82 19.98
All premiums
- in last 10 years
3510.00 3604.80 3750.00 2138.40 2397.60
- since start
5400.00 5646.00 5872.20 4276.80 4795.20
50 61.50 47.52 49.54 73.58 76.95
51 61.50 47.52 49.54 73.58 76.95
52 61.50 47.52 49.54 73.58 76.95
53 61.50 47.52 49.54 73.58 76.95
54 61.50 47.52 49.54 73.58 76.95
55 85.50 71.55 74.79 73.58 76.95
56 85.50 71.55 74.79 73.58 76.95
57 85.50 71.55 74.79 73.58 76.95
58 85.50 71.55 74.79 73.58 76.95
59 85.50 71.55 74.79 73.58 76.95
All premiums
- in last 10 years
8820.00 7144.20 7459.80 8829.60 9234.00
- since start
14220.00 12790.20 13332.00 13106.40 14029.20
60 126.00 113.94 119.34 73.58 76.95
61 126.00 113.94 119.34 73.58 76.95
62 126.00 113.94 119.34 73.58 76.95
63 126.00 113.94 119.34 73.58 76.95
64 126.00 113.94 119.34 73.58 76.95
65 202.50 184.95 193.86 73.58 76.95
66 202.50 184.95 193.86 73.58 76.95
67 202.50 184.95 193.86 73.58 76.95
68 202.50 184.95 193.86 73.58 76.95
69 202.50 184.95 193.86 73.58 76.95
All premiums
- in last 10 years
19710.00 17933.40 18792.00 8829.60 9234.00
- since start
33930.00 30723.60 32124.00 21936.00 23263.20
70 No prot. 291.87 306.18 496.13 520.56
71 No prot. 291.87 306.18 496.13 520.56
72 No prot. 291.87 306.18 496.13 520.56
73 No prot. 291.87 306.18 496.13 520.56
74 No prot. 291.87 306.18 496.13 520.56
75 No prot. 426.33 447.26 496.13 520.56
76 No prot. 426.33 447.26 496.13 520.56
77 No prot. 426.33 447.26 496.13 520.56
78 No prot. 426.33 447.26 496.13 520.56
79 No prot. 426.33 447.26 496.13 520.56
80 No prot. 885.60 929.61 496.13 520.56
81 No prot. 885.60 929.61 496.13 520.56
82 No prot. 885.60 929.61 496.13 520.56
83 No prot. 885.60 929.61 496.13 520.56
84 No prot. 885.60 929.61 496.13 520.56
85
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