Life Insurance Rates For a 54 Year Old Male
At 54 life insurance rates can still be affordable. The rates shown below are for a 54 year old male in relatively good health. Insurance companies will look at a males overall health in order to be considered for coverage. Underwriting can take between two and four weeks to complete. Underwriting is the process of the insurance provider reviewing the overall health of the applicant through a medical screening or accessing electronic records.
| Company | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|
| Haven | $53 | $62 | $81 | $100 | $147 | $194 |
| Ladder | $56 | $67 | $88 | $95 | $141 | $172 |
| Mutual of Omaha | $46 | $54 | $70 | $83 | $122 | $147 |
| Banner | $42 | $49 | $64 | $73 | $108 | $148 |
| Protective | $43 | $52 | $70 | $79 | $118 | $148 |
| Prudential | $46 | $53 | $69 | $84 | $123 | $145 |
| Company | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|
| Haven | $100 | $119 | $156 | $196 | $290 | $388 |
| Ladder | $88 | $105 | $138 | $149 | $222 | $294 |
| Mutual of Omaha | $78 | $92 | $121 | $146 | $216 | $281 |
| Banner | $65 | $78 | $102 | $121 | $179 | $244 |
| Protective | $72 | $87 | $116 | $135 | $203 | $259 |
| Prudential | $84 | $100 | $131 | $162 | $239 | $306 |
| Company | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|
| Haven | NA | NA | NA | NA | NA | NA |
| Ladder | NA | NA | NA | NA | NA | NA |
| Mutual of Omaha | $152 | $181 | $240 | $296 | $442 | $576 |
| Banner | $126 | $150 | $198 | $246 | $366 | $480 |
| Protective | $139 | $167 | $222 | $265 | $397 | $508 |
| Prudential | $186 | $222 | $293 | $365 | $544 | $719 |
A 54 year old male in perfect health may qualify for the best life insurance rates and receive an instant approval. Accelerated underwriting can allow for coverage to become available immediately upon approval.
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