Life Insurance

We do everything we can for our loved ones, not because we have to, but because we want to. Every day your life revolves around providing for your family and protecting their way of life. The need for financial protection for your family and/or business is a very real one; however, it might also be temporary. Whether you are looking for the affordability of term life or the lifelong protection of a permanent insurance, with the right life insurance coverage, you can be happy knowing that your loved ones will be able to live out their lives without worry, no matter what the future holds.

Life doesn’t always go as planned. If your circumstances change or you no longer need life insurance, the free Guaranteed Cash-Out Rider on our permanent policies may be your way to restore financial stability.

On the 15th, 20th and 25th policy anniversaries, the rider allows you to fully surrender your policy and receive a partial or FULL return of all premiums paid.

Federal Group Life Insurance Alternatives

  • Guaranteed Issued Policies Available (No Medical Check Required)
  • $25,000 – 1,000,000+ in coverage available
  • Fixed Rate (No Price Increase)
  • Spousal Coverage
  • Term Policies- 20 and 30 year options
  • Universal Life Policies (Refund of all or portion of Premiums Paid – Cash-Out Rider)
  • Children Riders Up to $25,000 in coverage
  • Free Critical, Chronic, and Terminal Illness Riders
  • Payroll Deductions
  • Free Quote
  • Coverage Available for All Ages

Term Life Insurance Rate Charts

$100,000 - 20 Year Term Bi-Weekly

Issue Age
Male
Female
Standard Non-Tobacco
Standard Tobacco
Standard Non-Tobacco
Standard Tobacco
18 $7.38 $14.20 $6.54 $11.29
19 $7.38 $14.20 $6.54 $11.29
20 $7.38 $14.20 $6.54 $11.29
21 $7.38 $14.20 $6.54 $11.33
22 $7.38 $14.20 $6.54 $11.36
23 $7.38 $14.20 $6.54 $11.48
24 $7.38 $14.20 $6.54 $11.52
25 $7.38 $14.20 $6.54 $11.56
26 $7.38 $14.40 $6.54 $11.76
27 $7.38 $14.63 $6.54 $11.92
28 $7.46 $14.87 $6.54 $12.16
29 $7.46 $15.11 $6.54 $12.36
30 $7.46 $15.31 $6.54 $12.52
31 $7.50 $15.59 $6.66 $13.04
32 $7.54 $15.87 $6.86 $13.52
33 $7.62 $16.19 $6.98 $14.08
34 $7.66 $16.47 $7.18 $14.59
35 $7.70 $16.75 $7.30 $15.11
36 $8.17 $18.34 $7.62 $15.91
37 $8.57 $19.94 $7.94 $16.75
38 $9.05 $21.61 $8.21 $17.55
39 $9.45 $23.21 $8.53 $18.34
40 $9.93 $24.80 $8.85 $19.18
41 $10.77 $27.40 $9.37 $21.02
42 $11.60 $29.95 $9.85 $22.85
43 $12.48 $32.46 $10.41 $24.64
44 $13.32 $35.05 $10.93 $26.48
45 $14.20 $37.60 $11.41 $28.31
46 $15.35 $40.95 $12.24 $30.63
47 $16.55 $44.30 $13.08 $32.98
48 $17.75 $47.61 $13.88 $35.37
49 $18.94 $50.96 $14.67 $37.72
50 $20.14 $54.31 $15.51 $40.04
51 $22.13 $59.06 $16.75 $43.59
52 $24.09 $63.84 $18.02 $47.09
53 $26.12 $68.67 $19.26 $50.64
54 $28.07 $73.41 $20.54 $54.15
55 $30.03 $78.20 $21.77 $57.70
56 $34.09 $85.34 $24.40 $63.20
57 $38.12 $92.55 $27.08 $68.75
58 $42.19 $99.69 $29.67 $74.25
59 $46.22 $106.91 $32.34 $79.79
60 $50.28 $114.05 $34.97 $85.30

$250,000 - 20 Year Term Bi-Weekly

Issue Age
Male
Female
Standard Non-Tobacco
Standard Tobacco
Standard Non-Tobacco
Standard Tobacco
18 $10.97 $22.23 $8.97 $16.25
19 $10.97 $22.23 $8.97 $16.25
20 $10.97 $22.23 $8.97 $16.25
21 $10.97 $22.43 $8.97 $16.45
22 $10.97 $22.63 $8.97 $16.55
23 $10.97 $22.73 $8.97 $16.75
24 $10.97 $22.93 $8.97 $16.85
25 $10.97 $23.13 $8.97 $17.05
26 $10.97 $23.33 $8.97 $17.35
27 $11.07 $23.43 $9.07 $17.65
28 $11.07 $23.63 $9.07 $18.04
29 $11.17 $23.73 $9.17 $18.34
30 $11.17 $23.93 $9.17 $18.64
31 $11.36 $25.22 $9.57 $19.84
32 $11.66 $26.52 $9.87 $20.94
33 $11.86 $27.71 $10.27 $22.13
34 $12.16 $29.01 $10.47 $23.23
35 $12.36 $30.31 $10.87 $24.42
36 $13.16 $33.20 $11.46 $26.12
37 $13.96 $36.09 $12.16 $27.71
38 $14.75 $38.88 $12.76 $29.41
39 $15.65 $41.77 $13.46 $31.00
40 $16.45 $44.66 $13.96 $32.70
41 $17.94 $49.95 $15.05 $36.49
42 $19.64 $55.13 $16.05 $40.28
43 $21.13 $60.41 $17.05 $43.96
44 $22.83 $65.60 $18.04 $47.75
45 $24.32 $70.88 $19.14 $51.54
46 $26.82 $77.26 $20.84 $55.73
47 $29.21 $83.54 $22.63 $59.92
48 $31.70 $89.92 $24.42 $64.00
49 $34.09 $96.20 $26.22 $68.19
50 $36.59 $102.58 $27.91 $72.38
51 $41.27 $112.45 $30.71 $78.86
52 $46.16 $122.32 $33.40 $85.34
53 $50.84 $132.19 $36.09 $91.92
54 $55.73 $142.06 $38.78 $98.40
55 $60.41 $151.93 $41.57 $104.88
56 $67.99 $165.89 $47.05 $115.64
57 $75.57 $179.94 $52.54 $126.41
58 $83.04 $193.90 $57.92 $137.08
59 $90.72 $207.96 $63.40 $147.84
60 $98.20 $221.92 $68.79 $158.61

$500,000 - 20 Year Term Bi-Weekly

Issue Age
Male
Female
Standard Non-Tobacco
Standard Tobacco
Standard Non-Tobacco
Standard Tobacco
18 $15.75 $41.27 $14.56 $29.11
19 $18.14 $41.27 $14.56 $29.11
20 $18.14 $41.27 $14.56 $29.11
21 $18.14 $41.47 $14.56 $29.31
22 $18.14 $41.67 $14.56 $29.71
23 $18.34 $42.07 $14.56 $29.91
24 $18.34 $42.27 $14.56 $30.31
25 $18.34 $42.47 $14.56 $30.51
26 $18.34 $42.87 $14.56 $31.30
27 $18.54 $43.27 $14.75 $32.30
28 $18.54 $43.47 $14.75 $33.10
29 $18.74 $43.86 $14.95 $34.09
30 $18.74 $44.26 $14.95 $34.89
31 $19.14 $46.66 $15.75 $36.89
32 $19.34 $49.05 $16.35 $39.08
33 $19.54 $51.64 $16.95 $41.07
34 $19.74 $54.03 $17.55 $43.27
35 $20.14 $56.43 $18.34 $45.26
36 $21.73 $61.81 $19.54 $48.65
37 $23.33 $67.39 $20.74 $52.24
38 $24.92 $72.78 $22.13 $55.63
39 $26.52 $78.36 $23.13 $59.22
40 $27.91 $83.74 $24.52 $62.61
41 $31.30 $94.31 $26.52 $69.78
42 $34.49 $105.08 $28.31 $77.16
43 $37.88 $115.64 $30.31 $84.34
44 $40.87 $126.41 $32.30 $91.72
45 $44.26 $136.98 $34.29 $98.89
46 $48.65 $149.94 $37.68 $106.47
47 $53.24 $162.90 $41.27 $113.85
48 $57.82 $175.66 $44.86 $121.43
49 $62.21 $188.62 $48.45 $128.80
50 $66.79 $201.58 $52.04 $136.38
51 $75.97 $221.32 $57.02 $149.74
52 $84.94 $241.06 $62.21 $163.30
53 $94.11 $260.99 $66.99 $176.65
54 $103.08 $280.73 $72.18 $190.21
55 $112.25 $300.47 $77.36 $203.57
56 $127.21 $328.59 $88.33 $223.11
57 $141.96 $356.70 $99.09 $242.85
58 $156.92 $384.81 $110.06 $262.39
59 $171.67 $412.93 $120.63 $282.13
60 $186.42 $441.04 $131.59 $301.67

$100,000 - 30 Year Term Bi-Weekly

Issue Age
Male
Female
Standard Non-Tobacco
Standard Tobacco
Standard Non-Tobacco
Standard Tobacco
18 $5.66 $19.14 $7.86 $15.31
19 $9.53 $19.14 $7.86 $15.31
20 $9.53 $19.14 $7.86 $15.31
21 $9.53 $19.14 $7.90 $15.43
22 $9.53 $19.14 $7.90 $15.51
23 $9.61 $19.14 $7.94 $15.63
24 $9.61 $19.14 $7.94 $15.75
25 $9.61 $19.14 $7.98 $15.83
26 $9.73 $19.82 $8.13 $16.27
27 $9.85 $20.46 $8.25 $16.75
28 $10.01 $21.13 $8.45 $17.19
29 $10.13 $21.77 $8.57 $17.67
30 $10.29 $22.49 $8.73 $18.10
31 $10.41 $23.21 $8.81 $18.66
32 $10.57 $23.97 $8.93 $19.26
33 $10.73 $24.64 $9.05 $19.82
34 $10.89 $25.36 $9.17 $20.42
35 $11.01 $26.12 $9.29 $20.98
36 $11.80 $28.63 $9.81 $22.37
37 $12.60 $31.14 $10.37 $23.85
38 $13.40 $33.66 $10.98 $25.28
39 $14.24 $36.21 $11.44 $26.76
40 $14.99 $38.72 $11.96 $28.15
41 $16.43 $42.31 $12.88 $31.06
42 $17.86 $45.90 $13.80 $33.90
43 $19.26 $49.49 $14.79 $36.81
44 $20.70 $53.12 $15.71 $39.64
45 $22.13 $56.70 $16.63 $42.51
46 $24.72 $59.94 $18.46 $47.33
47 $27.36 $63.24 $20.30 $52.16
48 $29.99 $66.51 $22.13 $56.98
49 $32.62 $67.79 $23.97 $61.77
50 $35.21 $68.15 $25.80 $66.59

$250,000 - 30 Year Term Bi-Weekly

Issue Age
Male
Female
Standard Non-Tobacco
Standard Tobacco
Standard Non-Tobacco
Standard Tobacco
18 $16.75 $32.60 $12.56 $22.03
19 $16.75 $32.60 $12.56 $22.03
20 $16.75 $32.60 $12.56 $22.03
21 $16.75 $32.70 $12.56 $22.93
22 $16.75 $32.80 $12.66 $23.83
23 $16.85 $33.00 $12.66 $24.72
24 $16.85 $33.10 $12.76 $25.62
25 $16.85 $33.20 $12.76 $26.52
26 $17.05 $34.89 $12.96 $27.61
27 $17.15 $36.59 $13.26 $28.71
28 $17.35 $38.38 $13.46 $29.81
29 $17.45 $40.08 $13.76 $30.90
30 $17.65 $41.77 $13.96 $32.00
31 $18.04 $43.17 $14.26 $32.80
32 $18.44 $44.56 $14.65 $33.60
33 $18.74 $45.86 $14.95 $34.39
34 $19.14 $47.25 $15.35 $35.19
35 $19.54 $48.65 $15.65 $35.99
36 $21.23 $53.24 $16.75 $39.08
37 $22.93 $57.82 $17.84 $42.27
38 $24.52 $62.51 $18.94 $45.36
39 $26.22 $67.09 $20.04 $48.55
40 $27.91 $71.68 $21.13 $51.64
41 $30.80 $79.36 $23.03 $57.32
42 $33.70 $87.13 $24.92 $63.01
43 $36.59 $94.81 $26.82 $68.69
44 $39.48 $102.58 $28.71 $74.37
45 $42.37 $110.26 $30.61 $80.05
46 $47.45 $117.94 $34.59 $90.72
47 $52.44 $125.71 $38.58 $101.49
48 $57.52 $133.39 $42.47 $112.15
49 $62.51 $141.16 $46.46 $122.92
50 $67.59 $148.84 $50.44 $133.59

$500,000 - 30 Year Term Bi-Weekly

Issue Age
Male
Female
Standard Non-Tobacco
Standard Tobacco
Standard Non-Tobacco
Standard Tobacco
18 $30.31 $61.41 $22.73 $41.67
19 $30.31 $61.41 $22.73 $41.67
20 $30.31 $61.41 $22.73 $41.67
21 $30.31 $61.81 $22.73 $43.47
22 $30.31 $62.01 $22.73 $45.26
23 $30.31 $62.41 $22.73 $46.86
24 $30.31 $62.61 $22.73 $48.65
25 $30.31 $63.01 $22.73 $50.44
26 $30.71 $66.20 $23.73 $52.44
27 $31.30 $69.19 $23.73 $54.43
28 $31.70 $72.38 $24.32 $56.63
29 $32.30 $75.37 $24.72 $58.62
30 $32.70 $78.56 $25.32 $60.61
31 $33.30 $80.15 $25.92 $62.41
32 $33.90 $81.75 $26.52 $64.00
33 $34.49 $83.14 $27.32 $65.80
34 $35.09 $84.74 $27.91 $67.39
35 $35.69 $86.33 $28.51 $69.19
36 $39.08 $96.10 $30.71 $75.17
37 $42.27 $105.87 $32.90 $81.35
38 $45.66 $115.44 $35.09 $87.33
39 $48.85 $125.21 $37.28 $93.51
40 $52.24 $134.98 $39.48 $99.49
41 $58.02 $150.93 $43.07 $110.66
42 $64.00 $167.08 $46.86 $121.62
43 $69.78 $183.04 $50.44 $132.79
44 $75.77 $199.19 $54.23 $143.76
45 $81.55 $215.14 $57.82 $154.92
46 $91.52 $230.89 $65.60 $173.07
47 $101.29 $246.84 $73.17 $191.01
48 $111.26 $262.59 $80.95 $209.15
49 $121.03 $278.54 $88.53 $227.10
50 $131.00 $294.29 $96.30 $245.24

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