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I am sure you realize how much the cost of almost everything has increased. For instance, the average mortgage now is in excess of $100,000. Everyone knows what has happened to the cost of a college education. Although our government tells us inflation has been under control for the past several years, my recent trips to the gas pump, supermarket and dry cleaners tell me differently.

As the cost of living continues to increase, so does the need for additional life insurance protection. Most financial planners tell us we need between 5 and 10 times our annual income, not to mention coverage for our spouses. However, many of us believe that the cost would be excessive. WE HAVE REDUCED OUR TERM LIFE RATES SEVERAL TIMES IN THE PAST FIVE YEARS!

Sample Monthly Rates as a Healthy Non-Tobacco User
(10 Year Level Term Life Insurance)

Sex/Age	$100,000 Face Amt	$250,000 Face Amt	$500,000 Face Amt	$1,000,000 Face Amt	$2,000,000 Face Amt
Male 35	11.22	15.51	22.95	40.80	76.50
Male 40	13.60	21.04	31.88	58.65	112.20
Male 45	16.92	28.26	45.48	85.85	166.60
Male 50	22.70	41.86	68.43	131.75	258.40
Male 55	31.37	61.41	95.63	186.15	367.20
Female 35	10.29	13.60	19.13	33.15	61.20
Female 40	12.16	17.85	27.20	49.30	93.50
Female 45	14.88	23.59	37.83	70.55	136.00
Female 50	18.70	32.94	52.70	100.30	195.50
Female 55	24.40	45.69	70.13	135.15	265.20

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