for age 57 life insurance call: (910) 328-0447
request a quote
Age 57 Guaranteed Universal Life (Guaranteed UL), quoted here for lifetime coverage age 121 and age 90, is much less expensive than Whole Life and locks in coverage at a fixed rate to a designated age. There is a more detailed explanation at the bottom of this page. Please see here for an overview of options and recommendations for people in their 50’s. The key quality feature to look for with term life insurance is the carrier’s conversion to permanent life options.
Female – 57 years old
| Face Amount |
Monthly at Preferred Best |
Monthly at Standard |
Guarantee Period |
Top Carrier |
| $25,000 | $50.98 (standard) | $50.98 | Age 121 | American National |
| $50,000 | $79.00 | $81.30 | (approximate) at preferred best; Protective at standard | |
| $100,000 | $108.79 | $130.95 | Penn Mutual | |
| $250,000 | $255.00 | $288.50 | Protective | |
| $500,000 | $499.00 | $558.50 | Protective | |
| $1,000,000 | $964.00 | $1,071.00 | Protective | |
| $2,000,000 | $1,928.00 | $2,142.00 | Protective | |
| $5,000,000 | $4,829.00 | $5,355.00 | Protective |
Male – 57 years old
| Face Amount |
Monthly at Preferred Best |
Monthly at Standard |
Guarantee Period |
Top Carrier |
| $25,000 | $60.95 | $63.47 | Age 121 | Pacific Life at preferred best; American National at standard |
| $50,000 | $89.39 | $90.85 | Pacific Life at preferred best; Protective at standard | |
| $100,000 | $125.62 | $166.39 | Protective at preferred best; Penn Mutual at standard | |
| $250,000 | $284.25 | $352.25 | Protective | |
| $500,000 | $553.00 | $685.00 | Protective | |
| $1,000,000 | $1,058.00 | $1,311.00 | Protective | |
| $2,000,000 | $2,116.00 | $2,622.00 | Protective | |
| $5,000,000 | $5,290.00 | $6,555.00 | Protective |
Female – Preferred Best – age 57
| Face Amount |
10 year Term |
20 year Term |
30 year Term |
Age 90 Guaranteed UL |
| $100,000 | $20.10 | $28.04 | $65.14 | $93.83 |
| $250,000 | $32.05 | $53.54 | $123.18 | $196.48 |
| $500,000 | $57.15 | $99.86 | $230.26 | $369.13 |
| $1,000,000 | $106.06 | $194.12 | $435.93 | $685.96 |
Female – Standard Non-Tobacco – Age 57
| Amount | 10 year Term |
20 year Term |
30 year Term |
Age 90 Guaranteed UL |
| $100,000 | $30.98 | $46.41 | $88.74 | $111.00 |
| $250,000 | $61.48 | $93.26 | $188.28 | $234.25 |
| $500,000 | $115.33 | $184.84 | $366.35 | $454.00 |
| $1,000,000 | $211.04 | $357.40 | $717.40 | $870.00 |
Male – Preferred Best – age 57
| Amount | 10 year Term |
20 year Term |
30 year Term |
Age 90 Guaranteed UL |
| $100,000 | $23.68 | $39.61 | $81.20 | $101.86 |
| $250,000 | $44.14 | $73.74 | $168.96 | $216.79 |
| $500,000 | $77.96 | $132.81 | $302.08 | $409.83 |
| $1,000,000 | $145.16 | $252.86 | $594.94 | $764.66 |
Male – Standard Non-Tobacco – age 57
| Amount | 10 year Term |
20 year Term |
30 year Term |
Age 90 Guaranteed UL |
| $100,000 | $40.40 | $63.46 | $107.13 | $127.40 |
| $250,000 | $81.03 | $134.01 | $234.96 | $291.50 |
| $500,000 | $144.39 | $261.35 | $451.29 | $565.63 |
| $1,000,000 | $278.35 | $507.09 | $874,59 | $1,064.64 |
Closer to being 58 years old? If over 57 and a half, see age 58 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.
Licensed Agent: Sean Drummey
phone: (910) 328-0447
email: spdrummey@gmail.com
national producer #5534307
Lower premiums available on Guaranteed UL plans with the no lapse guarantee to age 90, age 95, age 100, age 105, age 110 or whatever age designated. Catch up premium options available with some plans. Protective Life “Custom Choice UL” and Symetra Life “Symetra Classic UL” very competitive at age 90, age 95 and age 100. Contact me for details. To identify the carrier for quotes listed as approximate, please contact me.
Options for small permanent plans:
Guaranteed Universal Life (GUL)
Pros: Lifetime no lapse guarantee at a fixed premium; least expensive permanent life insurance; dial a guarantee period option with many plans; cost per 1,000 less than a “par” whole life, in the quote above a $50k Guaranteed UL is less than the $25k “par” whole life which does offset the disadvantage of a level death benefit if products are compared at the same premium
Cons: level death benefit; premium payments for life; late payment sensitive, lapses generally 30 to 60 days without premium payment: must maintain payment for life, though note that policies can be structure as limited pay, like a 10 pay, 10 years of payments, or 20 pay.
“non par” Whole Life
Pros: Lifetime guarantee fixed premium; guaranteed cash value accumulation; paid up insurance option
Cons: level death benefit; lack of premium flexibility; no dividends; higher cost per 1,000 than a GUL
Is a “par” whole life worth the extra money? At age 57, yes. Dividends will provide high value flexibility in later life.
Life insurance consumer guide by the National Association of Insurance Commissioners (NAIC)
Carriers and Products quoted:
Penn Mutual Life Insurance Company: “Guaranteed Protection UL”
Pacific Life Insurance Company: “PL Promise Guaranteed UL”
American National Insurance Company: “American National Signature GUL”
Protective Life Insurance Company: “Protective Lifetime Assurance UL”
contact me for (approximate) $50,000 quote for carrier name and exact premium
last update: 3/21/2023 – rates subject to change; quote accuracy or completeness not guaranteed