E-Answer.Net

OK, you have to compare apples to apples, so I'd suggest you compare the annual premium, instead of the monthly premium, which adds installment fees to it.



If it's straight, 20 year term with no riders, and you are healthy (preferred rates), it should run you around $400-500 or so a year.

Are you in Australia? I can offer you an affordable premium for your cover for the next 20 years, and if you do not make a claim, my insurer refunds 100% of your total premium paid, back to you. So when you are 60 years old, you can look back and tell yourself, I have a free life insurance for the last 20 years.

Everyday, we have enough living expenses. Mobile phones, petrol, internet bills, car insurance, rego, home insurance, etc. If you never use them, can you ask for a refund from those companies???

If you can save on your life insurance, why not? Do not pay life insurance where you do not get back your money, as it looks like you are making bets with the insurance company year after year

With Motorists Life, assuming you are a preferred risk, the annual rate for a 40 year old male for a $250,000 20-year Renewable term would be $287.50, or $24.73 per month. Of course that premium is for my state.



That beats PFS quite handsomely, doesn't it?

it would cost $48.45 with my company and thats a price that will stay the same for the length of the 20 years



Annually it would cost $510.00



you save $71.40 if you pay it annually instead of monthly

Could be anywhere from $40-$150 a month depending on the underwriting (insurance physical).

insurance companies want you dead



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Premium Would be 10 lakhs contact me..