Age 56

 for age 56 life insurance call: (910) 328-0447
request a quote

Guaranteed Universal Life, GUL, is much less expensive than Whole Life and locks in coverage at a fixed rate to a designated age, up to a lifetime guarantee age 121 or to maturity. Please see here for an overview of options and recommendations for people in their 50’s.

Female –  age 56 preferred best

Face Amount	10 year Term	15 year Term	20 year Term	30 year Term	Age 90 Guaranteed  UL	Age 121 Guaranteed UL
$100,000	$18.91	$20.76	$25.96	$58.00	$90.80	$116.30
$250,000	$29.93	$35.35	$49.29	$108.94	$185.05	$241.75
$500,000	$52.92	$64.14	$91.94	$203.49	$341.91	$474.50
$1,000,000	$96.17	$119.75	$174.96	$384.93	$629.19	$923.00

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Female   – Age 56    Standard Non-Tobacco

Face Amount	10 year Term	15 year Term	20 year Term	30 year Term	Age 90 Guaranteed UL	Age 121 Guaranteed UL
$100,000	$28.70	$35.26	$42.94	$80.75	$106.20	$129.10
$250,000	$57.60	$67.02	$84.71	$170.85	$224.50	$273.25
$500,000	$107.52	$118.39	$162.74	$332.35	$433.50	$527.50
$1,000,000	$194.92	$227.38	$310.28	$650.25	$827.00	$1,00.00

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Male – 56 years old ,  Preferred Best

Face Amount	10 year Term	15 year Term	20 year Term	30 year Term	Age 90 Guaranteed UL	Age 121 Guaranteed UL
$100,000	$21.63	$28.59	$36.47	$72.45	$97.80	$125.70
$250,000	$29.86	$49.51	$66.22	$148.68	$218.27	$269.75
$500,000	$70.96	$89.41	$119.56	$269.36	$409.16	$542.50
$1,000,000	$131.26	$168.86	$226.96	$530.34	$760.41	$1,003.00

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Male  –  56 years old –  Standard Non-Tobacco

Face Amount	10 year Term	15 year Term	20 year Term	30 year Term	Age 90 Guaranteed UL	Age 121 Guaranteed UL
$100,000	$36.96	$47.24	$59.59	$100.94	$122.50	$144.70
$250,000	$76.65	$90.15	$121.98	$214.34	$278.25	$333.50
$500,000	$133.81	$171.65	$237.29	$413.46	$541.00	$648.00
$1,000,000	$261.17	$328.56	$458.83	$803.19	$1,034.00	$1,239.00

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Closer to being 57 years old?  If over 56 and a half, see age 57 quotes, since most carriers set rates by nearest age. Backdating a policy up to six month to save previous age is generally permitted.

Please contact me for a free, confidential quote.  Many more options available.

Lower premiums available on Guaranteed UL plans with the no lapse guarantee to age 90, age 95, 100, 105, 110 or whatever age designated. Catch up premium options available with some plans.  Contact me for details.

last updated: 4/27/2023,  non tobacco rates; rates subject to change; quote accuracy or completeness not guaranteed