 QUICK LINKS
|
PERMANENT (WHOLE) LIFE PREMIUM CALCULATIONS
PREMIUM CALCULATION
INSTRUCTIONS:
- In the below rate
table, find your age in the columns marked “Issue Age”
- Move across that row
until you reach your sex and nicotine use designation: (i.e., Male
Nonsmoker, Male Smoker, Female Nonsmoker, Female Smoker)
- Multiply the
resulting dollar value per $1,000.00 by the number of thousands of face
value coverage that you desire
- Add $2 per $1,000.00
of desired face value up to a maximum of $20
- This is your
annual premium
PREMIUM MODE
CALCULATION OTHER THAN ANNUAL:
- Monthly Premium
Payments – multiply the annual premium calculated above by .09.
- Quarterly Premium
Payments - multiply the annual premium calculated above by .265.
- Semi-Annual Premium
Payments - multiply the annual premium calculated above by .52
FOR COVERAGE: HAVE
PROVIDENCE COMPLETE AND PROCESS AN APPLICATION FOR YOU:
(Contact
Us)
TO SUBMIT A
PRELIMINARY APPLICATION:
- Click the Forms and
Applications link on the left.
- Print off a Life
Application.
- Fill it out by
printing or typing (do not hesitate to leave portions blank; they can be
explained to you during the formal application process).
- On the right side of
the first page, write the type of insurance you would like and the face
value – i.e. Amount of Insurance.
- Answer No to the
Riders and simply add the premium amount you calculated and the associated
mode (frequency – monthly, annually, etc.) that you have elected.
- Mail the application
to us: the address appears above.
- You are also
encouraged to communicate with your local branch secretary or with one of
our Local Agents to which you can link from the left.
- Someone will
communicate with you in order to finalize the process, to obtain additional
information and to finalize the application.
QUESTIONS OF
COMMENTS: (Contact
Us)
NEED ASSISTANCE:
(Contact
Us)
RATE TABLE: ANNUAL PERMANENT (WHOLE) LIFE
Premiums per $1,000.00 face value (see above instructions.
|
Issue
Age |
Male
Nonsmoker |
Male
Smoker |
Female
Nonsmoker |
Female
Smoker |
Issue
Age |
Male
Nonsmoker |
Male
Smoker |
Female
Nonsmoker |
Female
Smoker |
|
0 |
3.01 |
|
2.5 |
|
43 |
16.9 |
22.72 |
14.18 |
16.87 |
|
1 |
3.04 |
|
2.56 |
|
44 |
17.77 |
23'.91 |
14.87 |
17.66 |
|
2 |
3.14 |
|
2.65 |
|
45 |
18.7 |
25.16 |
15.59 |
18.5 |
|
3 |
3.24 |
|
2.73 |
|
46 |
19.69 |
26.48 |
16.36 |
19.38 |
|
4 |
3.36 |
|
2.83 |
|
47 |
20.73 |
27.88 |
17.17 |
20.3 |
|
5 |
3.47 |
|
2.93 |
|
48 |
21.85 |
29.37 |
18.03 |
21.28 |
|
6 |
3.60 |
|
3.03 |
|
49 |
23.04 |
30.95 |
18.94 |
22.31 |
|
7 |
3.74 |
|
3.14 |
|
50 |
24.3 |
32.63 |
19.9 |
23.4 |
|
8 |
3.88 |
|
3.26 |
|
51 |
25.66 |
34.42 |
20.92 |
24.55 |
|
9 |
4.04 |
|
3.39 |
|
52 |
27.1 |
36.31 |
22.01 |
25.77 |
|
10 |
4.2 |
|
3.52 |
|
53 |
28.64 |
38.32 |
23.16 |
27.06 |
|
11 |
4.37 |
|
3.66 |
|
54 |
30.28 |
40.44 |
24.39 |
28.41 |
|
12 |
4.54 |
|
3.8 |
|
55 |
32.03 |
42.69 |
25.69 |
29.85 |
|
13 |
4.72 |
|
3.95 |
|
56 |
33.9 |
45.07 |
27.08 |
31.38 |
|
14 |
4.9 |
|
4.1 |
|
57 |
35.9 |
47.61 |
28.57 |
33.02 |
|
15 |
5.08 |
6.62 |
4.26 |
4.99 |
58 |
38.04 |
50.31 |
30.17 |
34.78 |
|
16 |
5.26 |
6.87 |
4.43 |
5.19 |
59 |
40.34 |
53.19 |
31.9 |
36.67 |
|
17 |
5.45 |
7.12 |
4.6 |
5.4 |
60 |
42.8 |
56.28 |
33.77 |
38.72 |
|
18 |
5.65 |
7.38 |
4.79 |
5.62 |
61 |
45.45 |
59.57 |
35.78 |
40.93 |
|
19 |
5.85 |
7.65 |
4.98 |
5.85 |
62 |
48.3 |
63.08 |
37.95 |
43.31 |
|
20 |
6.06 |
7.93 |
5.18 |
6.09 |
63 |
51.35 |
66.8 |
40.28 |
45.84 |
|
21 |
6.29 |
8.23 |
5.39 |
6.34 |
64 |
54.62 |
70.75 |
42.77 |
48.55 |
|
22 |
6.53 |
8.55 |
5.61 |
6.61 |
65 |
58.13 |
74.94 |
45.46 |
51.44 |
|
23 |
6.79 |
8.89 |
5.84 |
6.89 |
66 |
61.91 |
79.39 |
48.35 |
54.54 |
|
24 |
7.06 |
9.26 |
6.08 |
7.18 |
67 |
65.98 |
84.14 |
51.48 |
57.88 |
|
25 |
7.35 |
9.65 |
6.34 |
7.49 |
68 |
70.38 |
89.23 |
54.89 |
61.52 |
|
26 |
7.66 |
10.07 |
6.61 |
7.82 |
69 |
75.14 |
94.71 |
58.63 |
65.51 |
|
27 |
7.99 |
10.51 |
6.89 |
8.16 |
70 |
80.31 |
100.6 |
62.73 |
69.9 |
|
28 |
8.34 |
10.99 |
7.19 |
8.53 |
71 |
85.89 |
106.92 |
67.23 |
74.71 |
|
29 |
8.71 |
11.5 |
7.51 |
8.91 |
72 |
91.92 |
113.67 |
72.16 |
79.94 |
|
30 |
9.11 |
12.03 |
7.84 |
9.31 |
73 |
98.39 |
120.83 |
77.52 |
85.6 |
|
31 |
9.52 |
12.61 |
8.19 |
9.73 |
74 |
105.3 |
128.38 |
83.34 |
91.7 |
|
32 | |
