Female Non-Smoker Life Insurance

Here are the lowest annual premiums for $250,000 of female non-smoker life insurance. Life insurance premiums may have changed since we published them. For the most recent premiums, as well as the top fifteen female non-smoker life insurance companies, just follow the links below.

Standard Underwriting

	Age 25	Age 35	Age 45	Age 55
10 Year Term	$168*	$177*	$275*	$525*
20 Year Term	$213*	$272*	$493*	$1033*

Preferred Plus Underwriting

	Age 25	Age 35	Age 45	Age 55
10 Year Term	$70*	$73*	$165*	$323*
20 Year Term	$139*	$144*	$272*	$585*

Female non-smokers can obtain the lowest life insurance premiums because of their extended life expectancy. To be classified as a non-smoker, most companies require that you have not used tobacco for at least a year. Some companies require two or three years. You may not qualify for the most preferred categories unless you have been tobacco-free for up to five or ten years.

Since life insurance companies treat underwriting variables differently, we recommend that you use our Expert Quote system to find the best company for your health profile. Otherwise, you may be disappointed to find out that you do not qualify for the policy that you requested.