COMPANY
Term Assurance - Non-smoker (continued) LEVEL SINGLE LIFE - age next birthday
Min Premium 20 yrs 25 yrs 30 yrs 35 yrs 40 yrs 45 yrs 50 yrs 55 yrs
20 YEAR TERM (continued) Beagle Street g Bright Grey g Forester Life g
No Min
Non-smoker monthly premiums. Sum assured £100,000 £3.43 £3.88 £4.65 £5.95 £8.12 £11.95 £18.49
-
PREMIUMS DECREASING SINGLE LIFE - age next birthday 20 yrs 25 yrs 30 yrs 35 yrs 40 yrs 45 yrs 50 yrs 55 yrs £3.02 -
Non-smoker monthly premiums. Sum assured £100,000 £3.29 £3.75 £4.58
£5.94 £8.16 £11.84 - - - - - - -
£ 10.00 (£233,000)(£206,000)(£167,500)(£128,500) £12.09 £17.69 £27.22 £45.54 (£237,000) (£220,200)(£199,500)(£161,800)(£113,800) £13.62 £20.69 £35.05 £ 10.00 (£189,736)(£177,108)(£147,393)(£108,713) £13.37 £20.80 £34.84 £60.62
-
Friends Life Ind Prot g £ 8.00 (£149,615)(£149,615)(£120,487) £8.76 £11.43 £16.26 £24.78 £41.95 (£199,217) (£199,217)(£175,486)(£134,634) £8.60 £11.74 £17.72 £27.81 Friends Life Ind Prot g £ 8.00 -- Legal & General g
- - - - -- (£267,207) (£267,207)(£242,286)(£177,415)(£116,510)
£ 6.00 (£107,203)(£107,203) £6.66 £8.38 £10.75 £16.07 £23.25 £40.08 (£135,935) (£135,935)(£117,418) £6.32 Legal & General g e £ 6.00 (£120,089)(£120,089) £6.34 £7.98 £10.24 £15.30 £22.14 £38.17 (£146,412) (£146,412)(£123,504) £6.02 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
25 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
£5.20
£ 6.00 -- £5.49
£8.83 £8.83 £8.84 £9.40 £12.76 £18.83 £29.07 -
- £5.49 - -
£5.54 £6.47 £7.85 £10.24 £14.00 £21.56 £34.90 (£111,952) -
£23.25 £6.28 £7.90 £10.14 £15.15 £21.92
£5.17 £5.44 £5.95 £7.60 £9.93 £13.70 £20.91 £5.00 £5.10 £5.70 £7.30 £9.60 £13.70 £20.60
£40.08
£5.00 -
£4.93
£5.09 £7.16 -
£9.73 £14.23 £21.85 £5.53 £7.05 -
£7.68 £10.89 £15.77 £28.99 £7.31 £10.37 £15.02 £27.61 £7.44
- - £15.77 £9.83 £14.33 £22.40
£7.72 £8.69 £11.22 £12.97 £23.48 £40.98 -
£28.99
£37.79 (£105,855) (£105,855)(£103,157) £44.24
-(£131,579) (£119,048) Non-smoker monthly premiums. Sum assured £100,000
£5.65 £5.86 £6.70 £8.55 £11.90 £17.83 £29.23 £49.67 £3.51 £4.05 £4.94 £6.45 £9.06 £13.79 £24.83 £40.82 £8.84 £8.84 £8.85 £11.01 £16.47 £26.30 £44.54 £76.73
£5.60
£ 5.00 £ 5.00 No Min
£5.60 £6.57 £7.97
£6.06 £6.27 £6.83 £8.16 £5.00 £5.50 £6.50
£11.17 £16.78 £27.88 £8.30 £11.20 £16.60 £45.26
£10.80 £15.63 £24.83 £40.82 £25.70 £42.40
£4.72 £3.10 £5.00
£5.00 £5.00 £5.00
£3.51 £4.05 £4.94 £6.45 £9.06 £13.79 -- £3.10 - £5.96
£4.97 £5.28 £5.91 £5.00 £5.70
£7.10 £9.70 £14.50
£7.24 £10.27 £14.87 £27.33 £9.84 £14.52 £31.63 -
£7.24 Non-smoker monthly premiums. Sum assured £100,000
£5.23 £5.70 £6.63 £3.42 £3.96 £4.91
£8.63 £12.41 £20.90 £33.80 £6.50 £9.15 £15.76 £26.74
£7.64 £8.43 £9.78 £12.78 £17.46 £29.26 £44.98
£5.00 £5.34 £6.27 £5.72 £6.50 £5.77 £6.39
£5.22 £5.15
£3.42 £3.96 £4.91 - - - £7.94 £12.53 £22.64 £30.27
£8.08 £11.36 £17.38 £27.99 £8.04 £11.44 £17.11 £27.01 £6.50 £9.15 --
£ 10.00 (£232,000)(£196,500)(£159,000)(£114,000) £13.66 £20.33 £33.35 £54.61 (£242,400) (£216,700)(£189,000)(£146,700) £10.62 £15.18 £24.11 £39.11 £ 10.00 (£177,342)(£159,850)(£127,287) £11.01 £16.47 £26.30 £44.54 £76.73
- - - - - - -
Friends Life Ind Prot g £ 8.00 (£148,818)(£147,705)(£107,818) £9.49 £12.68 £18.89 £30.61 £50.00 (£183,427) (£183,427)(£155,734)(£109,805) £9.48 £13.37 £20.66 £35.76 Friends Life Ind Prot g £ 8.00 -- Legal & General g
£ 6.00 £ 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
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
£6.00 £6.00 £7.04 £8.54 £11.97 £17.98 £29.87 £48.49 (£129,310) (£129,310)(£110,606) £6.72
Legal & General g e £ 6.00 (£111,885)(£111,885) £6.70 £8.13 £11.40 £17.12 £28.45 £46.18 (£139,275) (£139,275)(£121,825) £6.40 LV= g
£5.45 £5.84 £6.89 £8.48
£ 6.00 -- £5.65 £5.25
-
£8.84 £8.84 £8.85 £10.90 £14.60 £21.29 -
-
£5.65 £6.63 £8.05 £5.69 £6.66
-
£11.15 £16.50 £25.95 £41.48 (£104,682) -
- £29.87 £11.29 £16.95 £28.17 £8.12 £10.81 £15.99 £25.30 £5.10 £5.20 £6.10 £7.50 £10.40 £15.50 £25.50
£48.49 £45.72 £55.80
Non-smoker monthly premiums. Sum assured £100,000 £5.97 £6.19 £7.22 £9.70 £14.22 £22.39 £35.88 £65.95
£3.70 £4.32 £5.35 £7.15 £10.34 £18.89 £29.93 £49.14 £8.85 £8.85 £9.23 £13.41 £23.78 £33.64 £56.93 £96.13
£6.14 £6.14
£ 5.00 £ 5.00 No Min
£7.02 £9.07
£6.25 £6.49 £7.31 £5.20 £5.90
£12.63 £21.33 £33.76 - £9.06 £12.33 £18.98 £29.93 £49.14 £7.10 £9.20 £12.80 £19.50 £30.10 £49.30
£ 10.00 (£224,000)(£185,000)(£140,000) £11.06 £15.71 £24.68 £40.83 £ 10.00 (£161,271)(£139,682)(£106,688) £13.41 £20.71 £33.64 £56.93 £96.13
Friends Life Ind Prot g £ 8.00 (£134,201)(£134,201) £8.29 £10.35 £14.72 £22.96 £37.37 Friends Life Ind Prot g £ 8.00 -- Legal & General g
- £ 6.00
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
- - £5.70 £6.13 £7.04
£ 6.00 -- £6.21 £6.21
£5.24
£5.00 -
£5.00 £4.94
-
- -- (£242,286) (£242,286)(£215,598)(£155,600)(£105,348) £10.58 £15.76 £26.74 £8.51 £13.43 £24.26 £39.16 £8.10 £12.79 £23.10 £30.89 £8.24 £11.57
£5.84 £7.17 - - - £16.85 £27.37
£7.64 £8.43 £9.78 £12.78 £17.46 £29.26 £44.98 -
£24.26 -(£125,000) (£113,636)
£5.00 £5.40 £6.34 £5.15 £5.50 £6.36 £5.30 £6.10
£8.04 £11.10 £16.83 £17.50
£7.80 £11.10 £39.16
£8.02 £12.66 £22.87 £30.58 £40.39 -
£4.81 £3.26 £5.15
£5.00 £5.15 £5.00
£3.70 £4.32 £5.35 £7.15 £10.34 --- £3.26
Non-smoker monthly premiums. Sum assured £100,000 £5.43 £5.94 £7.29
£3.63 £4.25 £5.34
£9.59 £14.34 £24.94 £54.60 £7.19 £11.75 £18.08 £31.19
£7.98 £8.75 £10.89 £13.60 £17.47 £29.87 £169.53
£5.00 £5.64 £6.91 £6.06 £7.17 £5.88
£5.58 £5.36
£9.07 £14.22 £6.91 £3.63 £4.25 £5.34 - - - £27.88 -
£9.20 £12.63 £20.27 £34.52 £9.07 £13.09 £19.90 £32.16 £7.19 -- -
£69.43 (£222,900) (£197,500)(£165,800)(£124,700) £11.86 £17.45 £27.91 £47.19 -
-
£6.58 £6.58 £7.52 £9.71 £13.54 £22.86 £36.17 £6.27 £6.27 £7.16 £9.25 £12.89 £21.77 £34.45 £9.32
£8.85 £8.85 £9.23 £12.03 £23.78 -
- £7.09 - -
£12.62 £20.10 £30.35 £49.86 - -
- £9.16 £12.76 £21.55 £34.11
- -- (£259,624) (£259,624)(£196,000)(£142,920) - (£112,765) (£112,765) £6.05 £7.40 - (£118,097) (£118,097)(£109,836) £7.05 £6.00 £7.28
£5.09 £5.00
£36.17- - -
£5.44 £5.75 £7.04 £8.85 £12.35 £18.89 £30.37 £5.30 £5.50 £6.50 £8.20 £11.90 -- -
£85.56
£5.00 £4.98
£5.55 - - - - -
£62.26 (£172,835) (£172,835)(£134,952) £8.16 £10.81 £15.54 £24.70 £45.06 £8.49 £11.75 £18.08 £32.15 £9.72 £15.24 £29.87 £9.26 £14.51 £28.45
- -
£7.98 £8.75 £10.89 £13.60 £17.47 £29.26 -
- (£113,636) (£104,167)
£5.00 £5.70 £6.98 £5.36 £5.78 £6.83 £5.30 £6.60
-
£9.20 £12.92 £19.54 £31.19 £44.98
£9.17 £14.36 £28.17
£29.87- -
£8.92 £12.92 £20.28 £169.53 £8.70 -- -
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.
34
March 2015
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