Rates for Group Term Life Insurance Exclusively for REALTORS®

Current 2020 Monthly Group Term Life Rates

Coverage amounts available: $50,000-$1,000,000

The initial cost of insurance is based on your attained age when insurance becomes effective, the amount of insurance selected, your gender*, tobacco/nicotine use, and health status. The cost increases as you grow older. Only nonsmokers meeting the highest underwriting standards will qualify for “Preferred” rates. Other nonsmokers may qualify for the “Select” rates. (Note: Smokers may only qualify for “Smoker” Rates.) If approved, you will be notified of your rate classification. To calculate the cost for amounts over $50,000 find the correct column and multiply the amount shown for the $50,000 unit by the number of $50,000 multiples desired.

Monthly Rates Per $50,000 for amounts of insurance $250,000 and under.

  • INSURED
    AGE
  • 20-24
  • 25-29
  • 30-34
  • 35-39
  • 40-44
  • 45-49
  • 50-54
  • 55-59
  • 60-64**
  • 65-69**
  • 70-74**
  • MALE
    PREFERRED
  • 4.50
  • 5.00
  • 5.50
  • 6.00
  • 7.50
  • 12.50
  • 17.50
  • 31.50
  • 52.20
  • 89.50
  • 143.50
  • MALE
    SELECT
  • 5.50
  • 6.00
  • 6.50
  • 7.00
  • 9.00
  • 14.50
  • 21.00
  • 37.00
  • 62.00
  • 105.00
  • 168.50
  • MALE
    SMOKER
  • 8.00
  • 10.50
  • 11.00
  • 12.50
  • 18.50
  • 31.00
  • 43.50
  • 74.50
  • 116.00
  • 180.50
  • 261.00
  • FEMALE
    PREFERRED
  • 2.00
  • 2.50
  • 3.00
  • 4.50
  • 5.50
  • 9.00
  • 15.50
  • 26.00
  • 40.50
  • 61.50
  • 96.00
  • FEMALE
    SELECT
  • 2.50
  • 3.00
  • 3.50
  • 5.00
  • 6.50
  • 10.50
  • 18.00
  • 31.00
  • 48.00
  • 72.00
  • 113.00
  • FEMALE
    SMOKER
  • 3.50
  • 4.50
  • 6.50
  • 9.50
  • 13.00
  • 21.00
  • 38.00
  • 63.00
  • 94.50
  • 136.50
  • 205.00

Monthly Rates Per $50,000 for amounts of insurance greater than $250,000.

  • INSURED
    AGE
  • 20-24
  • 25-29
  • 30-34
  • 35-39
  • 40-44
  • 45-49
  • 50-54
  • 55-59
  • 60-64**
  • 65-69**
  • 70-74**
  • MALE
    PREFERRED
  • 3.50
  • 4.00
  • 4.50
  • 5.00
  • 6.00
  • 10.00
  • 14.00
  • 25.50
  • 42.00
  • 71.50
  • 114.50
  • MALE
    SELECT
  • 4.50
  • 5.00
  • 5.50
  • 6.50
  • 7.00
  • 11.50
  • 16.50
  • 30.00
  • 49.50
  • 84.00
  • 135.0
  • MALE
    SMOKER
  • 6.00
  • 8.00
  • 8.50
  • 10.00
  • 15.00
  • 25.00
  • 35.00
  • 59.50
  • 93.00
  • 144.50
  • 209.00
  • FEMALE
    PREFERRED
  • 1.50
  • 2.00
  • 2.50
  • 3.50
  • 4.50
  • 7.00
  • 12.50
  • 21.00
  • 32.50
  • 49.00
  • 77.00
  • FEMALE
    SELECT
  • 2.00
  • 2.50
  • 3.00
  • 4.00
  • 5.50
  • 8.50
  • 14.50
  • 24.50
  • 38.50
  • 58.00
  • 90.50
  • FEMALE
    SMOKER
  • 2.50
  • 3.50
  • 5.00
  • 7.50
  • 10.50
  • 16.50
  • 30.50
  • 50.50
  • 75.90
  • 109.50
  • 164.00

*Male rates apply to all coverage issued to Montana residents, regardless of a person’s sex.

**For renewal only. Benefits reduce to 65% of the pre-age AGE 65 insurance inforce when Member reaches age 65. Age 70 and above, benefit amount is reduced to 50% of the pre-age AGE 65 insurance inforce. Premiums do not reduce.

The premium contributions shown reflect the current rate and benefit structure. Premium contributions may be changed by New York Life Insurance Company on any premium due date (but not more than once in any 12-month period) and any date on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insurance under this group policy. For example, a class of insureds is a group of people all with the same issue age, and tobacco/nicotine use. Benefit option amounts are not guaranteed and are subject to change by agreement between New York Life Insurance Company and the National Association of REALTORS.

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