COMPANY
Term Assurance - Smoker with CI Cover LEVEL SINGLE LIFE - age next birthday
Min
10 YEAR TERM Average
Lowest Rates Highest Rates
AA Ins’nce Services g £ 5.00 AA Ins’nce Services r £ 5.00 AEGON g AEGON r Aviva g m Aviva r m
Beagle Street g Bright Grey g Bright Grey r Forester Life r
£ 5.00 £ 5.00 £ 5.00 £ 5.00 No Min £ 10.00 £ 10.00 £ 10.00
Friends Life Ind Prot g £ 8.00 Friends Life Ind Prot r £ 8.00 Legal & General g Legal & General r
£ 6.00 £ 6.00
Legal & General g e £ 6.00 Legal & General r e £ 6.00 LV= g LV= r
£ 5.00 £ 5.00
SAGA g SAGA r
Sainsbury’s Bank g f £ 5.00 Sainsbury’s Bank r f £ 5.00 Scottish Provident g £ 5.00 Scottish Provident r £ 5.00 Zurich Assurance g £ 5.00
20 YEAR TERM Average
Lowest Rates Highest Rates
AA Ins’nce Services g £ 5.00 AA Ins’nce Services r £ 5.00 AEGON g AEGON r Aviva g m Aviva r m
Beagle Street g Bright Grey g Bright Grey r Forester Life r
Premium 20 yrs 25 yrs 30 yrs 35 yrs 40 yrs 45 yrs 50 yrs 55 yrs Smoker monthly premiums. Sum assured £100,000
£17.60 £19.12 £24.73 £38.33 £60.82 £100.28 £161.47 £256.11 £10.56 £14.46 £19.91 £29.27 £44.84 £70.90 £119.29 £202.81 £24.77 £25.76 £33.71 £50.90 £80.36 £126.65 £204.48 £320.03
£ 6.00 -- £ 6.00 --
£22.60 £35.43 £57.06 £90.08 £152.57 £224.82 £17.11 £22.63 £33.49 £54.83 £91.61 £144.90 £237.76 £17.90 £23.40 £36.80 £59.50 £96.70 £156.60 £267.90 £14.60 £17.40 £22.70 £35.60 £57.50 £93.40 £151.20 £258.60 £10.56 £14.46 £19.91 £29.27 £44.84 £70.90 £119.29 £202.81 £24.77 £25.76 £32.21 £47.78 £76.03 £121.81 £198.38 £313.45 £24.55 £25.53 £31.92 £47.32 £75.29 £120.62 £196.42 £310.34 £19.28 £24.13 £33.71 £50.90 £80.36 £126.65 £204.48 £320.03 £17.48 £18.92 £24.87 £38.12 £61.51 £100.44 £166.51 £254.63 £17.30 £18.40 £24.05 £36.77 £59.60 £98.11 £155.03 £240.74 £19.56 £19.56 £25.01 £40.50 £62.43 £106.93 £166.85 £270.88 £20.09 £20.09 £25.01 £40.05 £62.43 £106.27 £166.85 £259.65 £18.63 £18.63 £23.81 £38.56 £59.45 £101.84 £158.90 £257.98 £19.13 £19.13 £23.81 £38.14 £59.45 £101.20 £158.90 £247.28 £17.70 £24.35 £36.43 £59.15 £98.50 £162.15 £247.00 £23.94 £36.18 - -
£14.40 £15.67 £15.20
£14.77 £15.81
£17.42
- -
- -
£166.85 £166.85
£18.44 £18.44 £23.57 £38.17 £58.86 £100.82 £157.31 £255.40 £18.94 £18.94 £23.57 £37.76 £58.86 £100.19 £157.31 £244.81 £16.24 £18.96 £24.18 £37.27 £60.62 £97.41 £161.29 £242.98 £15.74 £18.46 £23.57 £36.06 £59.11 £94.43 £150.55 £232.01 £16.70
£17.50 £23.20 £35.90 £58.10 £94.20 £154.10 Smoker monthly premiums. Sum assured £100,000
£19.36 £22.06 £32.24 £49.23 £79.25 £128.69 £200.50 £387.13 £11.32 £15.82 £22.37 £33.50 £52.76 £85.36 £140.86 £303.10 £25.60 £29.95 £44.14 £68.14 £105.88 £163.50 £266.80 £483.35
£20.42
£ 5.00 £ 5.00 £ 5.00 £ 5.00 No Min £ 10.00 £ 10.00 £ 10.00
Friends Life Ind Prot g £ 8.00 Friends Life Ind Prot r £ 8.00 Legal & General g Legal & General r
£ 6.00 £ 6.00
Legal & General g e £ 6.00 Legal & General r e £ 6.00 LV= g LV= r
£ 5.00 £ 5.00
SAGA g SAGA r
Sainsbury’s Bank g f £ 5.00 Sainsbury’s Bank r f £ 5.00 Scottish Provident g £ 5.00 Scottish Provident r £ 5.00 Zurich Assurance g £ 5.00
£16.50 £20.42 £31.19 £29.57 £44.35
£21.43 £21.43 £30.63 £48.27 £20.90
£16.20 £20.20 £29.60 £16.31 £19.60 £28.39 £44.15
£77.65 £130.29 £195.85 £70.75 £121.21 £195.86
£16.70 £20.80 £30.70 £47.40 £76.60 £126.10 £191.90 £45.80 £73.90 £121.70 £185.30
- -
£11.32 £15.82 £22.37 £33.50 £52.76 £85.36 £140.86 £25.60 £29.95 £41.94 £63.38 £103.96 £163.50 £266.80 £483.35 £25.37 £29.68 £41.54 £62.77 £102.95 £161.89 £264.16 £478.55 £21.57 £29.61 £44.14 £68.14 £105.88 £161.55
£46.38 £74.21 £118.65 £188.05 £309.54 £73.11 £116.75 £172.60 £303.10 - - -
-
£19.94 £22.20 £32.41 £48.58 £81.36 £129.52 £207.47 £19.28 £21.11 £30.60 £48.08 £77.05 £123.35 £192.83 £21.89 £21.89 £33.42 £47.52 £83.19 £139.60 £209.85 £22.97 £22.97 £32.83 £51.73 £75.80 £129.87 £209.85 £20.84 £20.84 £31.83 £45.26 £79.23 £132.95 £199.85 £21.87 £21.87 £31.26 £49.26 £16.61
£72.19 £123.68 £199.86 £22.25 £33.52 £55.41 £84.81 £135.22 £208.18
£ 6.00 -- £ 6.00 -- £20.63
£20.63
£16.75 £21.39 £32.17 £51.32 £82.32 £128.23 £198.61 - -
-- --
£31.51 £19.60
£29.65 £29.80
£44.81 £21.65 £21.65 £30.95 £48.77
£45.50 £45.00
- -
£78.44 £131.62 £197.85 £71.47 £122.44 £197.86
- - - - - - - - -
-
£18.26 £18.26 £23.33 £37.79 £58.26 £99.80 £155.72 £252.82 £18.75 £18.75 £23.33 £37.38 £58.26 £99.18 £155.72 £242.33 £18.40
PREMIUMS 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
£13.30 £14.29 £16.95 £24.91 £37.81 £61.84 £99.45 £163.46 £7.60 £10.19 £13.57 £19.47 £29.61 £45.91 £77.18 £132.09 £19.61 £20.59 £22.19 £36.13 £55.55 £84.42 £138.74 £213.91
£13.58 £13.58 £13.25 £15.93 £16.33 £24.04
£13.77 £13.77 £16.33 £24.04 £11.87
£13.46 £14.42 £16.86 £23.47 £23.25
£35.55 £61.25 £95.12 £164.26 £35.54 £59.79 £95.12 £157.40 £36.44 £59.63 £96.76 £146.44 £34.64 £55.10 £92.30 £160.17
£11.34 £12.78 £15.77 £22.37 £34.64 £55.88 £91.34 £149.18 £10.93 £12.27 £15.05 £21.44 £33.20 £53.51 £87.32 £142.58 £7.60 £10.19 £13.57 £19.47 £29.61 £45.91 £77.18 £132.09 £19.61 £20.59 £22.19 £36.13 £55.55 £84.42 £138.74 £213.91 £19.44 £20.41 £22.00 £35.80 £55.02 £83.60 £137.38 £211.80 -
- - - - - - - £11.64
£57.34 £95.29 £152.14 £231.87 - -
£270.88 £259.65
£11.65 £12.96 - -
- -
£13.72 £13.72
£12.02 £14.41 £17.54 £24.51 £38.42 £61.52 £100.07 £163.12 £11.75 £14.28 £17.12 £23.81 £37.47 £60.83 £96.37 £156.76 £14.55 £14.55 £17.08 £25.76 £38.10 £65.63 £101.92 £176.00 £14.76 £14.76 £17.50 £25.76 £38.09 £64.06 £101.92 £168.64 £13.86 £13.86 £16.26 £24.53 £36.28 £62.50 £97.06 £167.61 £14.05 £14.05 £16.66 £24.53 £36.27 £61.01 £97.06 £160.61 £13.43 £16.59 £24.47 £36.87 £61.19 £99.34 £158.81 £16.33 £24.34 £36.98 £60.39 £97.02 £157.41 - -
- -
£16.10
- -
- -
£101.92 £101.92
£176.00 £168.64
£24.28 £35.92 £61.88 £96.09 £165.93
£13.91 £13.91 £16.49 £24.28 £35.91 £60.40 £96.09 £159.00 £12.94 £14.50 £17.25 £23.56 £37.36 £61.12 £99.36 £157.32 £12.82 £14.37 £16.92 -
- -
£23.22 -
- - - Smoker monthly premiums. Sum assured £100,000
£14.77 £16.32 £21.39 £32.54 £50.36 £81.44 £137.33 £315.11 £8.68 £11.90 £16.45 £24.21 £37.63 £60.37 £102.16 £211.83 £22.42 £25.80 £32.66 £46.87 £73.12 £117.75 £196.45 £451.46
£14.50
£16.05 £16.05 £12.72
£14.50 £19.93 £19.93
£14.74 £16.66 £20.91
£31.48 £47.36 £77.35 £131.88 £30.85
£30.27 £12.37 £14.33 £19.28 £28.97 £44.77 £74.02 £131.88
- -
£15.59 £21.44 £32.61 £51.87 £83.68 £134.30 £264.38 £47.08 £78.08 £123.10 £211.83 £45.98 £75.05 £125.36
£11.96 £13.81 £18.56 £27.73 £44.02 £71.75 £119.79 £8.68 £11.90 £16.45 £24.21 £37.63 £60.37 £102.16 £22.42 £25.80 £32.66 £46.87 £73.12 £117.75 £196.45 £451.46 £22.22 £25.57 £32.36 £46.43 £72.42 £116.60 £194.51 £446.97 -
- - -
- - - - - -
£13.84 £16.03 £20.71 £30.91 £49.93 £81.91 £137.34 £13.06 £15.87 £20.50 £30.29 £47.94 £78.47 £129.59 £15.55 £15.55 £21.36 £33.74 £50.75 £82.88 £141.31 £17.20 £17.20 £21.36 £33.06 £47.97 £79.31 £141.31 £14.80 £14.80 £20.34 £32.12 £48.33 £78.93 £134.57 £16.38 £16.38 £20.34 £31.48 £12.72 £12.83
£209.85- - £209.85- - - -
£14.65
£17.31 £21.96 £31.50 £46.86 £76.96 £122.59 £197.46 £425.87 £16.96 £20.64 £17.10
£72.83 £115.03 £187.63 £322.37
- -
- -
- -
- -
£16.22 £16.22 £75.40 £118.70 £183.50 --
£14.65 £20.14 £20.14
- £45.68 £75.53 £134.57
£15.42 £20.97 £36.03 £58.59 £86.16 £134.46 £15.39 £20.69 £33.10 £56.52 £84.61 £133.71 - -
£141.31 £141.31
£31.80 £47.85 £78.14 £133.22 £31.17
£29.64 -
- £45.22 £74.77 £133.22 -
- - - - - - - - - - - - -
£13.71 £15.63 £20.73 £30.49 £48.70 £79.01 £140.58 £298.25 £13.51 £15.44 £20.42 -
£45.92 £75.78 £122.65 £217.77 -
-
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 35
£36.11 £58.98 £89.98 £145.85 -
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66 |
Page 67 |
Page 68 |
Page 69 |
Page 70 |
Page 71 |
Page 72 |
Page 73 |
Page 74 |
Page 75 |
Page 76 |
Page 77 |
Page 78 |
Page 79 |
Page 80 |
Page 81 |
Page 82 |
Page 83 |
Page 84 |
Page 85 |
Page 86 |
Page 87 |
Page 88 |
Page 89 |
Page 90 |
Page 91 |
Page 92 |
Page 93 |
Page 94 |
Page 95 |
Page 96 |
Page 97 |
Page 98 |
Page 99 |
Page 100 |
Page 101 |
Page 102 |
Page 103 |
Page 104 |
Page 105 |
Page 106 |
Page 107 |
Page 108 |
Page 109 |
Page 110 |
Page 111 |
Page 112 |
Page 113 |
Page 114 |
Page 115 |
Page 116 |
Page 117 |
Page 118 |
Page 119 |
Page 120 |
Page 121 |
Page 122 |
Page 123 |
Page 124 |
Page 125 |
Page 126 |
Page 127 |
Page 128 |
Page 129 |
Page 130 |
Page 131 |
Page 132 |
Page 133 |
Page 134 |
Page 135 |
Page 136 |
Page 137 |
Page 138 |
Page 139 |
Page 140 |
Page 141 |
Page 142 |
Page 143 |
Page 144 |
Page 145 |
Page 146 |
Page 147 |
Page 148 |
Page 149 |
Page 150 |
Page 151 |
Page 152 |
Page 153 |
Page 154 |
Page 155 |
Page 156 |
Page 157 |
Page 158 |
Page 159 |
Page 160 |
Page 161 |
Page 162 |
Page 163 |
Page 164 |
Page 165 |
Page 166 |
Page 167 |
Page 168 |
Page 169 |
Page 170 |
Page 171 |
Page 172 |
Page 173 |
Page 174 |
Page 175 |
Page 176 |
Page 177 |
Page 178 |
Page 179 |
Page 180 |
Page 181 |
Page 182 |
Page 183 |
Page 184 |
Page 185 |
Page 186 |
Page 187 |
Page 188 |
Page 189 |
Page 190 |
Page 191 |
Page 192 |
Page 193 |
Page 194 |
Page 195 |
Page 196