COMPANY
Term Assurance - Smoker (continued) LEVEL SINGLE LIFE - age next birthday
Min
30 YEAR TERM Average
Lowest Rates Highest Rates
AA Ins’nce Services g £ 5.00 AEGON g Aviva g m
Beagle Street g Bright Grey g Forester Life g
Smoker monthly premiums. Sum assured £100,000
£8.03 £9.02 £11.59 £17.44 £27.01 £46.54 £76.67 £140.41 £4.75 £5.81 £8.09 £12.22 £20.27 £38.63 £63.00 £100.90 £9.76 £11.32 £15.83 £24.85 £40.72 £69.99 £109.68 £217.39
£ 5.00 £ 5.00 No Min
£8.99 £8.99 £7.10 £8.40 £7.10 £8.50
£10.31 £10.60 £11.30
£16.56 £16.20
£7.10 £4.28 £9.46
£15.60 £23.56 £38.63 £63.13 £103.42 £24.70 £39.90 £63.00 £100.90
£24.37 £44.35 £73.35 -£7.81 £6.39 £6.19
£4.75 £5.81 £8.09 £12.22 £20.27 --- £4.28 -
PREMIUMS Premium 20 yrs 25 yrs 30 yrs 35 yrs 40 yrs 45 yrs 50 yrs 55 yrs DECREASING SINGLE LIFE - age next birthday 20 yrs 25 yrs 30 yrs 35 yrs 40 yrs 45 yrs 50 yrs 55 yrs
Smoker monthly premiums. Sum assured £100,000 £7.41 £8.60 £11.50 £17.37 £29.17 £49.47 £91.91
£4.74 £5.79 £8.07 £12.98 £23.14 £40.05 £69.71 £9.82 £11.63 £15.93 £24.63 £34.32 £57.86 £143.69
£7.81 £6.93 £6.80
£7.86 £10.82 £10.93 £16.48 £29.49 £48.76 -
£8.17 £11.02 £16.46 £26.38 £43.91 £74.59 £8.45
£16.49 £26.08 £43.81 £75.57 £4.74 £5.79 £8.07 £12.98 -- - Friends Life Ind Prot g £ 8.00 £ 6.00
Friends Life Ind Prot g £ 8.00 -- Legal & General g
Legal & General g e £ 6.00 LV= g
£ 5.00
Post Office Money® g £ 5.00 SAGA g
Sainsbury’s Bank g f £ 5.00 Scottish Provident g £ 5.00 Zurich Assurance g £ 5.00
£ 10.00 (£113,500) £10.37 £14.48 £21.04 £32.05 £53.99 £90.32 £151.74 (£135,900) (£119,150) £11.24 £14.91 £22.14 £34.32 £57.56 £105.76 £ 10.00 (£106,246) £11.32 £15.83 £24.85 £40.72 £69.99 £109.68 £173.01 £9.58 £9.87 £12.63 £17.95 £28.21 £47.80 £79.68 £129.43 -
- £8.13 -- £10.52
£9.63 £9.63 £11.05 £17.74 £26.11 £47.52 £78.60 £9.17 £9.17 £6.98
£ 6.00 -- £9.08 £9.08 £7.17 £8.36
£9.76 £10.33 £14.17 £21.72 £36.86 -
--
£10.41 £10.84
£16.90 £24.87 £45.26 £74.85 -
£8.63 £11.76 £16.24 £25.20 £40.42 £68.80 £107.00 - -
£78.60 £16.73 £24.62 £44.81 £74.10
- - -
£15.46 £24.23 £39.23 £65.92 £217.39
Term Assurance - Non-smoker LEVEL SINGLE LIFE - age next birthday
COMPANY
10 YEAR TERM Average
Lowest Rates Highest Rates
AA Ins’nce Services g £ 5.00 AEGON g Aviva g m
Beagle Street g Bright Grey g Forester Life g
Premium 20 yrs 25 yrs 30 yrs 35 yrs 40 yrs 45 yrs 50 yrs 55 yrs Non-smoker monthly premiums. Sum assured £100,000
£5.59 £5.69 £6.24 £7.25 £8.90 £12.34 £17.75 £28.13 £3.71 £4.04 £4.59 £5.55 £7.18 £9.85 £13.99 £22.51 £8.81 £8.81 £8.82 £8.84 £11.47 £14.22 £23.13 £39.25
£ 5.00 £ 5.00 No Min
£5.39 £5.39 £6.11 £7.15 £6.06 £6.27 £6.60 £7.22
£8.51 £12.20 £16.82 £25.81 £8.35 £11.36 £15.79 £23.81
£5.00 £5.10 £5.70 £6.60 £8.20 £11.10 £15.80 £23.70 £3.71 £4.04 £4.59 £5.55 £7.18 £9.85 £13.99 £22.51
Min
£8.37 £7.97 £6.07 £9.46 -
-
- -- (£138,770) (£138,306)(£104,857) - -
£8.02 - - - - -
£8.37 £8.42 £11.54 £17.66 £31.59 £52.25 £7.97
£6.94 £8.29 £11.04 - -
£8.13 £9.78 £12.93 £19.63 £32.03 £56.51 £99.44 £9.95 £14.58 £23.14 £40.05 £69.71 - -
£11.04 £16.82 £30.09 £49.76
£9.82 £11.63 £15.93 £24.63 £34.09 £57.86 -
-
£7.89 £6.31
£7.00 £7.80 £10.30 £15.00 £22.30 --- £6.30
£7.89 £6.77
£7.94 £10.93 £8.17 £10.96
-
£16.31 £26.36 £44.19 £70.78 £95.71
£16.65 £29.79 £49.26
£52.25- -
£16.25 £26.73 £46.93 £143.69 £6.70 £8.00 £10.90 £16.10 -- - PREMIUMS DECREASING SINGLE LIFE- age next birthday
20 yrs 25 yrs 30 yrs 35 yrs 40 yrs 45 yrs 50 yrs 55 yrs Non-smoker monthly premiums. Sum assured £100,000
£4.71 £3.31 £5.00
£5.00 £5.00 £5.00 £3.31
-
£5.09 £5.25 £5.82 £3.51 £3.83 £4.43 £7.16 £7.54 £8.32
£5.00 £5.00 £5.85
£5.00 £5.00 £5.22 £5.00 £5.15 £5.57 £3.51 £3.83 £4.43
- - -
£6.63 £8.97 £12.67 £18.60 £5.43 £7.03 £9.45 £14.27 £9.78 £12.70 £18.14 £27.70
£6.39 £6.29 £8.68 £13.04 £17.37
£6.08 £8.10 £10.93 £15.90 £8.45 £11.55
£5.43 £7.03 £9.45 £14.27
£ 10.00 (£192,000)(£187,000)(£172,000)(£144,500) £10.35 £14.18 £20.71 £33.07 (£244,800) (£242,400)(£240,000)(£210,400)(£151,000) £10.51 £14.98 £23.03 £ 10.00 (£188,897)(£188,592)(£172,923)(£140,766)(£102,333) £14.22 £23.13 £39.25
- - - - - -- (£268,665) (£268,529)(£244,699)(£185,913)(£132,754) - £8.71 - £11.73 -
Friends Life Ind Prot g £ 8.00 (£151,501)(£151,501)(£122,842) £8.21 £10.05 £13.41 £19.54 £28.89 (£212,818) (£212,818)(£190,192)(£159,946)(£111,714) £9.59 £13.09 £19.43 Friends Life Ind Prot g £ 8.00 -- Legal & General g
£17.19 £ 6.00 (£109,482)(£109,482) £6.55 £7.66 £9.12 £13.07 £18.01 £27.66 (£135,935) (£135,935)(£126,459) £6.27 £ 5.00
Post Office Money® g £ 5.00 SAGA g
Sainsbury’s Bank g f £ 5.00 Scottish Provident g £ 5.00 Zurich Assurance g £ 5.00
20 YEAR TERM Average
Lowest Rates Highest Rates
AA Ins’nce Services g £ 5.00 AEGON g Aviva g m
£ 6.00 --
£5.56 £5.61 £6.29 £7.35 £8.63 £11.97 £16.74 £8.81 £8.81 £8.82 £8.84 £11.47 £13.97 £21.10 £32.29 -
- £5.45 £5.45 £6.17 - - £18.01
£5.30 £5.47 £5.93 £7.09 £8.50 £11.30 £16.28 £5.00 £5.10 £5.70 £6.80 £8.10 £11.40 £16.20
£24.82 (£107,000) £5.00 -
£27.66 £4.95
£5.03 £5.20 £7.16 -
£5.71 £6.85 £9.30 £13.98 £18.61
Legal & General g e £ 6.00 (£122,321)(£122,321) £6.23 £7.30 £8.68 £12.45 £17.16 £26.34 (£146,412) (£146,412)(£136,193)(£101,339) £6.52 £8.86 £13.31 £17.72 LV= g
£6.56
£7.54 £8.32 -
-
£7.23 £8.59 £12.33 £16.99 £26.08 (£105,855) (£105,855)(£104,278) £5.91 £31.98
-(£131,579) (£119,048)(£104,167)
Non-smoker monthly premiums. Sum assured £100,000 £5.51 £5.70 £6.35 £7.82 £10.64 £15.45 £23.46 £40.80
£3.43 £3.88 £4.65 £5.95 £8.12 £11.95 £18.49 £33.53 £8.83 £8.83 £8.84 £9.40 £13.37 £20.80 £34.84 £60.62
£ 5.00 £ 5.00
£5.44 £5.44 £6.21 £6.06 £6.27 £6.65
£7.82 £5.00 £5.30 £6.10 £7.50 £10.04 £14.99 £21.70 £21.60 £37.41
£7.45 £9.92 £13.56 £20.58 £33.53 £10.30 £14.30
£35.30
£4.95 £5.05 £5.44 £5.50
- £13.98 £8.42 £10.79 £15.46
£9.78 £12.70 £18.14 £27.70 -
£18.61
£6.30 £8.28 £10.86 £6.30 £8.20 £11.10
£6.45 £8.77 £13.18 £17.54 £21.16 -
£4.66 £3.02 £5.00
£5.00 £5.00 £5.00
Non-smoker monthly premiums. Sum assured £100,000 £5.07 £5.37 £6.20
£3.29 £3.75 £4.58 £16.39
£7.63 £10.52 £15.77 £28.10 £5.94 £8.16 £11.84 £21.85
£7.16 £7.72 £8.69 £11.22 £13.62 £23.48 £40.98
£5.00 £5.00 £5.90 £5.98 £6.08
£5.00 £5.22 £5.00 £5.46
£7.16 £10.16 £14.72 £27.06
£7.28 £9.74 £14.40 £22.82 £7.32 £10.21 £14.74
£22.78
Lowest 5 premiums are shown in bold type. SMOKER/NON-SMOKER - a non-smoker is generally defined as someone who has not smoked cigarettes in the last 12 months. Cigar and pipe smokers are sometimes classed as non-smokers. This may vary between companies. ( ) = Sum assured when minimum premium applied. e = Rates available directly from L&G or via an IFA if applied for electronically. f = Online rates. g= Rates are guaranteed. m= Aviva also offers life insurance with a simplified underwriting process and is available with no options. r = Rates are reviewable.
March 2015 33
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