COMPANY
Term Assurance - Smoker with CI Cover (continued) LEVEL SINGLE LIFE - age next birthday
Min
25 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
£21.82 £25.33 £37.72 £57.52 £91.19 £142.03 £269.36 £488.35 £11.89 £16.65 £23.81 £36.01 £57.06 £91.12 £215.05 £391.03 £29.71 £36.05 £52.90 £80.57 £122.09 £177.88 £322.02 £595.99
£23.26 £23.26 £37.09
£ 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
£52.19 £86.97 £147.34 £23.24 £23.24 £35.29 £55.33 £85.77 £138.15
- -
- -
£18.60 £24.00 £35.24 £54.83 £86.19 £129.68 £225.00 £391.03 £17.63 £22.04 £32.55 £51.07 £82.34 £126.92 £215.05 £398.69 £18.80 £24.00 £35.70 £54.00 £88.50 £136.30 £18.20 £23.20 £34.40 £52.20
- -
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
£15.92 £17.80 £24.64 £38.29 £58.60 £94.08 £211.52 £399.65 £9.43 £13.00 £18.15 £26.99 £42.33 £68.23 £155.15 £255.35 £22.96 £26.31 £36.77 £54.43 £87.23 £128.88 £278.22 £485.58
£16.04 £16.04 £17.48 £17.48 £21.93
£24.30 £37.35 £55.15 £91.25 £36.27
£34.90 - - £53.47 £86.46 -- £13.30 £16.08
£14.00 £17.72 £25.17 £38.35 £60.37 £94.50 £188.20 £340.50 £15.59 £18.14 £23.50 £22.58
£34.43 £54.02 £89.48
£54.10 £84.37 £155.15 £255.35 -
- £85.40 £131.60 -- £12.78 £15.46 £21.65 £32.99 £51.65 £85.57 --
£11.89 £16.65 £23.81 £36.01 £57.06 £91.12 -- £9.43 £13.00 £18.15 £26.99 £42.33 £68.23 -- £29.71 £36.05 £51.21 £75.23 £118.16 £177.88 £322.02 £517.84 £29.43 £35.72 £50.72 £74.50 £117.01 £176.13 £318.82 £512.68 £25.29 £35.48 £52.90 £80.57 £122.09
-
£23.69 £25.60 £37.66 £57.36 £90.21 £147.23 £21.99 £23.92
£34.19 £56.02 £84.61 £137.25
£ 5.00 £ 5.00
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
30 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
£18.44
£24.92 £24.92 £39.75 £55.92 £93.18 £157.87 £24.90 £24.90 £37.82 £59.29 £91.90 £148.03 £23.73 £23.73 £37.85 £53.25 £88.74 £150.35 £23.71 £23.71 £36.01 £56.46 £87.52 £140.97 £20.17 £27.95 £41.68 £65.62 £103.08 £153.15 £26.74 £37.84 £65.97 £102.13 £143.57
£23.49 £23.49 £37.47 £52.72 £87.85 £148.85 £23.47 £23.47 £35.65 £55.90 £86.64 £139.56
- - - - - - - - - - -
- - - - - - - - - - -
£19.70 £24.96 £36.25 £53.65 £87.82 £140.70 £304.88 £595.99 £18.41 £22.88 £32.08 £51.80 £80.64 £132.11 £230.37 £513.84 £19.30
£22.60 £34.40 £53.10 Smoker monthly premiums. Sum assured £100,000
£25.89 £30.49 £44.92 £67.89 £98.63 £195.30 £352.83 £604.35 £12.46 £17.54 £25.30 £38.48 £60.41 £159.85 £282.90 £457.77 £35.37 £44.03 £63.61 £93.25 £120.82 £229.90 £458.48 £786.21
£30.22 £30.22 £43.35 £68.19 £97.37 £26.38
£26.38
£ 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
£41.71 £61.67 - - - £91.85 -- -
£21.80 £29.30 £41.36 £63.82 £94.57 £190.41 £335.39 £563.58 £19.27 £26.64 £38.65 £60.09 £91.72 £159.85 £282.90 £457.77 £28.40 £41.10 £62.20 £96.20 £27.50
£21.50 £20.80
£39.70 £60.00 £93.00
- -
- -
- -
- - - - -
£15.17 £17.62 £24.01 £36.37 £58.18 £97.11 £14.07 £17.17 £23.77 £36.32 £56.13 £91.54 £17.19 £17.19 £26.05 £40.03 £59.10 £97.77 £18.74 £18.74 £23.51 £38.86 £57.30 £92.64 £16.37 £16.37 £24.80 £38.11 £56.28 £93.11 £17.84 £17.84 £13.98 £13.91 £16.21
£22.38 £16.21 £17.66 £17.66 £22.16 £37.01 £54.56 £88.22
£17.40 £24.78 £43.34 £61.17 £97.70 £17.29 £24.28 £39.53 £60.90 £94.78 £24.55 £37.73 £55.72 £92.18 £36.64
£54.01 £87.34 £83.50 £129.80 -- - -
£34.20 -
- - - - - - - - - - -
£22.96 £26.31 £36.77 £54.43 £87.23 £128.88 £278.22 £485.58 £22.76 £26.07 £36.42 £53.91 £86.39 £127.61 £275.47 £480.75 -
- - - - - - - - - - -
£14.52 £17.44 £23.77 £36.25 £58.23 £99.68 £213.95 £425.64 £14.25 £16.55 £22.86 -
£54.27 £87.28 £158.12 £410.07 -
- Smoker monthly premiums. Sum assured £100,000
£18.80 £21.38 £30.10 £46.39 £69.38 £151.08 £257.48 £502.37 £10.23 £14.15 £19.93 £29.88 £47.04 £118.02 £195.10 £283.93 £30.93 £37.45 £49.95 £77.66 £85.94 £189.37 £303.39 £686.15
£20.10 £20.10 £28.42 £43.90 £68.48 £19.76 £15.49
£19.76 £16.55 £20.27 £20.27 £29.53 £45.49 £28.08 £42.46 £68.47
- -
- -
- -
£66.20 £129.30 £211.30 £370.60 £26.80 £40.48 £61.10 £118.02 £195.10 £283.93
£14.85 £18.76 £26.49 £40.62 £65.26 -- - £14.33 £18.04 £25.36 £38.87 £62.37 -- -
£12.46 £17.54 £25.30 £38.48 £60.41 --- £10.23 £14.15 £19.93 £29.88 £47.04 -- - £35.37 £44.03 £63.61 £93.14 £118.04 £206.81 £341.29 £534.81 £35.04 £43.61 £63.00 £92.24 £116.88 £204.77 £337.90 £529.49 £30.22 £42.54 £62.73 £93.25
-
£28.80 £29.69 £43.80 £65.38 £104.57 £26.18 £27.43 £40.44
£58.77 £92.90
£ 5.00 £ 5.00
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
£32.39 £32.39 £46.44 £73.07 £104.33 £28.27 £28.27 £44.69 £66.08 £98.42 £30.84 £30.84 £44.23 £69.58 £99.36 £26.92 £26.92 £42.56 £62.93 £93.72 £24.02 £33.33 £50.79 £77.87 £120.82 £22.45 £34.14 £51.46 £79.09 £118.37 £30.53 £30.53 £43.79 £68.88 £98.37 £26.65
£26.65 £42.13 £62.30 £92.78
- - - - - - - - - - -
- - - - - - - - - - -
- - - - - - - - - - -
£22.51 £29.75 £43.81 £65.42 £102.61 £229.90 £458.48 £754.23 £22.03 £28.44
£20.90 £26.70 £39.00
£39.49 £58.51 £91.18 £180.08 £361.03 £786.21 £60.60
£92.30 -- -
£30.93 £37.45 £49.95 £77.66 £85.94 £189.37 £303.39 £510.48 £30.64 £37.10 £49.48 £76.91 £85.10 £187.50 £300.38 £505.41 -
- - - -
£18.30 £20.10 £28.39 £43.55 £70.30 £16.66 £19.90 £26.83 £41.13 £66.45 £21.54 £21.54 £30.46 £47.05 £73.38 £21.18 £21.18 £30.09 £45.50 £73.37 £20.51 £20.51 £29.00 £44.80 £69.88 £20.16 £20.16 £28.65 £43.33 £69.87 £16.20 £20.43 £33.15 £51.68 £72.72 £15.82 £20.07 £29.70 £50.05 £70.61 £20.30 £20.30 £28.71 £44.35 £69.18 £19.96 £19.96 £28.36 £42.90 £69.17
£15.38 £18.94 £26.72 £40.11 -
- -
- - - - - - - - - - -
- - - - - - - - - - -
--
- - - - - - - - - - -
£15.93 £20.02 £27.97 £43.38 £74.29 £158.26 £268.79 £657.66 £67.82 £124.02 £265.89 £686.15 -
- - -
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.
36
March 2015
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