 | | |  | | | | Dear Friends of the Company, | There's good reason for insurance buyers to comparison-shop this year because...
life insurance is now more affordable than ever. Continuing a downward trend that has lasted for at least 10 years, many term life premiums have now dropped to all-time lows. The price cutting we've seen this year can add up to a substantial savings over the 10 to 30-year span of a typical level premium term life policy period. If there was ever a time to shop for some new life insurance or compare your current policy with what today's market might offer, this is it. Life insurance shoppers wanting free quotes or advice based upon their own criteria can call 1-800-953-3579 or visit www.insure.com.  Market survey methodology Insure.com polled more than 30 leading U.S. life insurance companies to find the best rates available on the popular $250,000, $500,000 and $1 million term life insurance policies. All companies examined have top-notch ratings, i.e. they are rated either "Excellent" or "Superior" by A.M. Best Company, an independent rating organization. The sample applicants do not use tobacco and range from 30 to 70 years of age. The table below contains the lowest possible rates found for the 10, 20 and 30 year level term life policies for somebody residing in California. The Lowest Life Insurance Rates In America The following table represents actual term life premiums that are available in the California marketplace as of April 18, 2008 (see Notes to Tables below for further sample premium methodology information). Prices can and do vary somewhat by state. | | $250,000 Term Life Sampler | | Female Annual Premiums | | Male Annual Premiums | | Age | 10 Year | 20 Year | 30 Year | | 30 | $108 | $150 | $203 | | 35 | $108 | $153 | $240 | | 40 | $130 | $203 | $308 | | 45 | $183 | $303 | $413 | | 50 | $263 | $370 | $585 | | 55 | $345 | $585 | $1,128 | | 60 | $495 | $893 | N/A | | 65 | $738 | $1,430 | N/A | | 70 | $1,080 | $3,095 | N/A | | | | Age | 10 Year | 20 Year | 30 Year | | 30 | $108 | $153 | $228 | | 35 | $108 | $153 | $250 | | 40 | $130 | $203 | $335 | | 45 | $183 | $340 | $520 | | 50 | $263 | $510 | $768 | | 55 | $403 | $773 | $1,603 | | 60 | $623 | $1,288 | N/A | | 65 | $1,250 | $2,338 | N/A | | 70 | $2,148 | $5,015 | N/A | | | | | $500,000 Term Life Sampler | | Female Annual Premiums | | Male Annual Premiums | | Age | 10 Year | 20 Year | 30 Year | | 30 | $155 | $235 | $325 | | 35 | $155 | $245 | $365 | | 40 | $200 | $305 | $495 | | 45 | $305 | $485 | $775 | | 50 | $435 | $690 | $1,120 | | 55 | $630 | $1,110 | $2,055 | | 60 | $940 | $1,735 | N/A | | 65 | $1,355 | $2,800 | N/A | | 70 | $2,100 | $6,030 | N/A | | | | Age | 10 Year | 20 Year | 30 Year | | 30 | $155 | $245 | $385 | | 35 | $155 | $245 | $440 | | 40 | $200 | $345 | $620 | | 45 | $305 | $625 | $980 | | 50 | $445 | $950 | $1,475 | | 55 | $745 | $1,490 | $2,960 | | 60 | $1,185 | $2,525 | N/A | | 65 | $2,430 | $4,615 | N/A | | 70 | $4,180 | $9,715 | N/A | | | | | $1 Million Term Life Sampler | | Female Annual Premiums | | Male Annual Premiums | | Age | 10 Year | 20 Year | 30 Year | | 30 | $230 | $370 | $550 | | 35 | $240 | $380 | $610 | | 40 | $320 | $520 | $820 | | 45 | $530 | $890 | $1,420 | | 50 | $780 | $1,310 | $2,100 | | 55 | $1,150 | $2,095 | $3,850 | | 60 | $1,730 | $3,360 | N/A | | 65 | $2,660 | $5,510 | N/A | | 70 | $3,980 | $11,880 | N/A | | | | Age | 10 Year | 20 Year | 30 Year | | 30 | $230 | $420 | $690 | | 35 | $240 | $420 | $785 | | 40 | $330 | $610 | $1,180 | | 45 | $540 | $1,180 | $1,870 | | 50 | $830 | $1,820 | $2,850 | | 55 | $1,420 | $2,890 | $5,510 | | 60 | $2,270 | $4,980 | N/A | | 65 | $4,490 | $9,140 | N/A | | 70 | $7,320 | $18,260 | N/A | | | | | About Insure.com Founded in 1984, Insure.com owns and operates www.insure.com. Catering to self-directed insurance shoppers, Insure.com provides a comprehensive array of comparative auto, life and health quotes, combined with news, information and decision-making tools that are not available from any other single source. Insure.com plays home to thousands of originally authored articles on various insurance topics that are searchable by subject. Visitors to the Company's Web sites are able to obtain instant quotes from more than 200 leading insurers for twelve different product lines, achieve maximum savings and have the freedom to buy from any company shown. Insure.com also provides personalized insurance brokerage and policy placement services for its customers. Shares of Insure.com trade on the Nasdaq SmallCap Market under the symbol "NSUR." | | Sincerely, |  | Robert Bland
Chairman and CEO | | | Notes to Tables
Final premiums and coverage availability will vary depending upon age, sex, state availability, hazardous activities, personal and family health history. The sample, California non-tobacco use premiums shown above may include: American General Life, Houston, TX, form 07007; Minnesota Life Insurance Company, St. Paul, MN, form 00-410; Pruco Life, Newark, NJ, form PLTIC-2007; (ING) Reliastar Life Insurance Company, Minneapolis, MN, form 1177R; Savings Bank Life Insurance Company of Massachusetts, Woburn, MA, forms B36 and B46 series; Transamerica Occidental Life, Cedar Rapids, IA, forms 1-306 11-199, 1-304 11-199, and 1-334 11-199; West Coast Life, San Francisco, CA, form 001119300. Actual policy forms may vary by state. California and Utah dba Insure.com Insurance Services, Inc.: CA #0827712, #OA13858; UT #90093. Some premiums shown are graded premium life policies and/or term-like universal life policies. Term life premium rates always escalate after initial rate guarantee period. Insure.com, Inc. is not a licensed agent or broker for all companies shown at www.insure.com. All sample rates shown are effective April 18, 2008 and subject to change, state availability or withdrawal without notice. | | | | © 2008 Insure.com, Inc. 8205 S. Cass Ave. Darien, IL 60561 | |
