Guaranteed Acceptance Rates By Age
We print carrier-published charts, not "from $X" teasers. Tap your age and sex, then carry the answer into a quote.
Monthly Premium For $10,000
| Age | Mutual of Omaha Man | Mutual of Omaha Woman | Gerber Life Man | Gerber Life Woman |
|---|---|---|---|---|
| 50 | $40.20 | $30.40 | $44.09 | $34.47 |
| 60 | $56.90 | $42.70 | $63.89 | $51.06 |
| 70 | $86.70 | $63.90 | $99.18 | $75.53 |
| 80 | $157.10 | $126.90 | $247.32 | $176.37 |
Sources: Mutual of Omaha rate chart (CA) and Gerber Life consumer brochure. Your state's chart may differ; the carrier confirms the rate at application. Graded benefit at both carriers: a natural-cause death in the first two years pays the premiums back plus 10% (110% of premiums paid); accidental death pays the full amount from day one. Final expense with health questions usually costs less for the same amount.
Rate Finder — $10,000 Guaranteed Issue
Tap your age and sex — published $10,000 monthly rates at two carriers. Not a quote: your state's chart and your exact age set the final premium.
Mutual of Omaha California rate chart; Gerber Life consumer brochure (bank-draft rates). Ages between the chart rows are priced by the carrier.
Men Vs Women, Mutual of Omaha
$10,000, monthly, by age. Women pay less at every age because they live longer on average.
Why The Price Nearly Triples From 60 To 80
The premium is set by the age at which you buy and never changes. At Mutual of Omaha a 60-year-old man pays $56.90 a month for $10,000; the same man buying at 80 pays $157.10. Waiting does not save money — it costs more every month for the rest of your life.