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How much would this kind of life insurance policy cost?

I am a female. I am in the age range of 20-25. I want $100,000 worth of coverage. I smoke, but I have no other health issues. How much would it cost me? Also, how much would it cost me for a $500,000 policy? The same for age group 40-50? I have tried to go online for free quotes but they always want my name and all that other info and I don't want to give that information online.

Public Comments

1. It really depends on the company and how gullible one is to upselling. I have a very excellent group rate at about $40/month for $250k, I'm 40 and male. Your best bet it too call around and ask for ball park numbers and then go visit the best 2 or 3 offers and get a firm number. Stay away from whole life policies. Ask for term life insurance.
2. $100 to $200 per month, for a term policy. A lot more if you're 40 to 50.
3. Depends on what you want. I would buy term at this point, term which is convertible to permanent. You quit the cigs you can get a lower rate. You could also call a local agent and ask how much insurance you can get with a "non-medical" application. That means no exam. Nobody can check. Smoking pretty much doubles your cost of life insurance. I would try to sneak around the issue. There is a two year contestable period so beyond that time no claim would be denied if you passed away.
4. How much do you weigh? What kind of policy do you want? If you're a healthy weight, $100,000 of 20 year term will likely cost you $250 a year, as a cigarette smoker. If you want whole life, it would probably cost you $2500 a year - $200 a month. If you were 40 - 50 , healthy weight, and perfectly healthy (which would be very unusual), it would probably cost you $2,000 a year. Whole life, maybe $400 a month. Those online quote places, harvest your information, and sell it to agents as leads. You can get an ACCURATE quote, by going to see a local agent.
5. Call around and get some free quotes from live insurance agents. You can get a policy now as a smoker and if you quit later you can reapply as a non-smoker. Start with the company that you have auto insurance with. If they offer life insurance you would get a discount on the car insurance for taking life insurance with them. Since your young the premiums are still cheap. And, take the term. You get a lot more insurance for your dollar.