67 Year Old Best Life Insurance

for age 67 life insurance call: (910) 328-0447
request a quote

For permanent life insurance for a 67 year old male or female, Guaranteed Universal Life (GUL or Guaranteed UL) is much less expensive than Whole Life and locks in coverage at a fixed rate for life, age 120 or over, or to a designated age. See sample Guaranteed UL rates below. Click here for an overview of options and recommendations for people in their 60’s. See here for Whole Life final expense quotes for ages 60 to 69. For the cheapest term coverage please see the 10, 15 and 20 year term quotes below, which include age 90 Guaranteed UL quotes.

Female – 67 year old

Face Amount	Monthly at Preferred Best	Monthly at Standard	Guarantee Period	Top Carrier
$25,000	$77.59	$85.54	Age 121	Pacific Life
$50,000	$134.44	$143.15		Pacific Life at preferred best; Protective at standard
$100,000	$184.31	$228.58		Penn Mutual
$250,000	$452.47	$563.90		Penn Mutual
$500,000	$887.58	$1,059.00		Penn Mutual at preferred best; Protective at standard
$1,000,000	$1,700.00	$2,050.00		Protective
$2,000,000	$3,400.00	$4,100.00		Protective
$5,000,000	$8,500,00	$10,250.00		Protective

---

Male – 67 year old

Face Amount	Monthly at Preferred Best	Monthly at Standard	Guarantee Period	Top Carrier
$25,000	$83.94	$94.17	Age 121	Pacific Life
$50,000	$147.15	$162.60		Pacific Life at preferred best; Protective at standard
$100,000	$220.88	$281.23		Penn Mutual
$250,000	$510.50	$647.75		Protective
$500,000	$1,000.50	$1,287.46		Protective at preferred best; Pacific Life at standard
$1,000,000	$1,939.00	$2,795.05		Protective at preferred best; American National at standard
$2,000,000	$3,780.00	$4,973.41		Protective at preferred best; Pacific Life at standard
$5,000,000	$9,695.00	$12,404.23		Protective at preferred best; Pacific Life at standard

Term and age 90 fixed premium Guaranteed UL sample quotes:

---

Female – Preferred Best – Age 67 – monthly

Face Amount	10 year Term	15 year Term	20 year Term	Age 90 Guaranteed UL
$100,000	$41.78	$55.54	$107.97	$148.50
$250,000	$83.5	$111.25	$219.56	$312.26
$500,000	$145.85	$200.10	$382.71	$595.38
$1,000,000	$261.61	$379.44	$722.81	$1,104.45

---

Female –  Standard Non-Tobacco – 67 year old – monthly

Amount	10 year Term	15 year Term	20 year Term	Age 90 Guaranteed UL
$100,000	$72.34	$96.59	$157.85	$179.63
$250,000	$156.56	$207.05	$320.34	$376.56
$500,000	$287.80	$382.26	$599.85	$724.46
$1,000,000	$520.94	$715.35	$1,168.22	$1,358.30

---

Male – Preferred Best – Age 67 – monthly

Amount	10 year Term	15 year Term	20 year Term	Age 90 Guaranteed UL
$100,000	$63.81	$82.80	$131.22	$165.70
$250,000	$121.24	$158.14	$269.65	$383.07
$500,000	$217.66	$299.36	$524.84	$736.20
$1,000,000	$409.96	$563.36	$1,014.76	$1,378.99

---

Male – Standard Non-Tobacco – 67 year old – monthly

Amount	10 year Term	15 year Term	20 year Term	Age 90 Guaranteed UL
$100,000	$105.81	$141.34	$203.20	$222.04
$250,000	$221.26	$304.81	$448.15	$475.88
$500,000	$416.14	$603.35	$865.18	$920.39
$1,000,000	$797.73	$1,114.65	$1,662.86	$1,728.50

---

Closer to being 67 years old?  If over 67 and a half, see age 68 rates, since most carriers set rates by nearest age. Backdating a policy up to six months to save previous age is generally permitted.

Premiums paid annually are discounted.  For non-nicotine rates, there is also the preferred underwriting class and some carriers offer a standard plus rate class.

Hybrid  Life – Chronic Illness benefit     (see Hybrid Life – Long Term Care Insurance)
(unable to perform 2 out of 6 activities of daily living or severe cognitive impairment)

Case Study: February 2024
Female, age 67, preferred best (variously called preferred plus, select preferred)
$84.22  monthly $250,000 benefit  10 year level death benefit period, Protective Custom Choice UL
$115.32 monthly $250,000 benefit 15 year level death benefit period, Protective Custom Choice UL
$110.92  monthly $50,000 benefit age 95 Guarantee UL, catch up ages 96-121, Pacific Life
$136.61 monthly $50,000 increasing benefit, Indexed UL, chronic illness benefit, American General

Case Study: January 2024
Female, age, 67, preferred plus non-tobacco
American General “Value+Protector III’  Indexed Universal Life
$2,994.44 annual  ($254.84 monthly) $100,000 increasing benefit
$6,866.82 annual ($584.28 monthly) $250,000 increasing benefit, age 90 no-lapse guarantee, chronic illness accelerated death benefit at monthly maximum IRS benefit, currently $12,470

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