Home   En Español About Us Locations & ATMs Careers Contact Us Feedback
Illinois State Bank
User Name:
Forgot your password? 
Login help.  New user? 
Log in.
New User 
Full Acct #:
Password:
Forgot your password? 
New user? 
Log in.
Log in.
Forgot your password? 
New user? 
Log in.
Find the best rate for you.
Tools for good decisions.
Get started today.
Additional Surcharge-free ATMsMoneypassATM Access STAR sf
More For You
How Do I?

Sample Term Life Insurance Premiums Tables

Sample Term insurance premiums for a 35-year old insured individual.

The rule of thumb is to purchase enough insurance coverage to protect your loved ones against financial hardship in the event of your death. Your Illinois State Bank insurance representative will work closely with you to determine the amount of protection that's right for you.

10-Year Level Term Monthly EFT Premiums

Age $50,000 $100,000 $150,000
35 Male Non-Nicotine $10.72 $16.19 $21.66
Male Standard $20.78 $36.31 $51.84
Female Non-Nicotine $8.53 $11.81 $15.09
Female Standard $16.45 $27.65 $38.85
Premiums may be subject to underwriting and may be higher.

20-Year Level Term Monthly EFT Premiums

Age $50,000 $100,000 $150,000
35 Male Non-Nicotine $13.69 $22.14 $30.58
Male Standard $24.19 $43.14 $62.08
Female Non-Nicotine $11.38 $17.50 $23.63
Female Standard $19.12 $32.99 $46.86
Premiums may be subject to underwriting and may be higher.

Limits and benefits of the term life insurance policies available.

Simplified Issue level term life insurance benefits 2

  • Guaranteed premiums for full 10 or 20-year periods
  • Renewable coverage up to age 95
  • Convertible to any Symetra permanent plan through age 75

Limits

Minimum Size Policy$25,000
Maximum Size Policy$250,000
Minimum Issue Age15 years
Maximum Issue Ages65 - 10-year level
60 - 20-year level
Premium ClassesStandard and Non-nicotine

Benefits

(Included at no extra cost.)
Accelerated Benefits OptionLiving benefit that pays up to 50 percent of the policy's death benefit (up to $75,000) in advance if the insured is diagnosed as terminally ill.
Safety BenefitAdditional $10,000 paid if the insured dies as a result of a motor vehicle accident and was wearing a seat belt at time of accident.
Transportation BenefitAdditional $5,000 death benefit paid to help cover the cost of transportation of a deceased insured if they die more than 100 miles from their principal residence.

What else you should know.

  • To begin coverage, you'll only need to answer a few medical questions. If you are approved, you'll be issued a Certificate of Temporary Insurance that covers you immediately for the full amount you have applied for while your application is processed.
  • 1 Guarantees and benefits are based on the claims paying ability of the issuer.
  • 2 SymetraSM Financial is a family of companies with nearly a half-century of experience providing retirement plans, employee benefits, annuities and life insurance through non affiliated distributors nationwide.
    The company has more than $20 billion in assets as of December 31st, 2004 and is owned by an investor group led by White Mountains Insurance Group Ltd. and Berkshire Hathaway Inc.
 

Still have questions? We can help.

  • E-mail us.
  • Call us at 877.672.2265.
    (8:30 a.m. until 7:00 p.m. CST, Monday through Friday, 9:00 am until 3:00 pm CST, Saturdays, & 10:00 am until 1:00pm CST, Sundays, excluding bank holidays)
  • Stop by your neighborhood branch.