2026 California sample rates by age, non-tobacco
| Age | $10,000 | $15,000 | $25,000 |
|---|---|---|---|
| 70 | $48–$70 | $72–$102 | $118–$170 |
| 75 | $65–$95 | $98–$140 | $160–$230 |
| 80 | $92–$135 | $138–$200 | $228–$330 |
| 85 | $135–$195 | $200–$290 | $330–$475 |
Premium and death benefit are guaranteed for life — they never go up.
Three plan tiers — match the plan to your health
- Immediate-pay (Level): Full death benefit from day one. Healthy seniors with no major recent conditions.
- Graded / Modified: 2-year graded payout (often return of premium + interest in year 1, partial in year 2, full in year 3). For diabetes with complications, COPD, prior cancer in remission, etc.
- Guaranteed-issue: No health questions. 2- to 3-year wait for full natural-cause benefit; accidental death paid from day one. For anyone declined elsewhere.
Why an independent agent matters more after 70
After age 70, the spread between the cheapest and most expensive carrier for the same health profile can be 40–60%. Each carrier underwrites conditions like diabetes, AFib, and prior cancers very differently — an independent agent shops 8–12 California-authorized carriers in one short call so you don't get stuck with the first quote.
What to have ready for the call
- Date of birth and ZIP code
- Current medications (names and dosages)
- Any diagnoses in the past 2 years
- Tobacco/nicotine use within 12 months (yes/no)
- Preferred coverage amount (typically $10K–$25K)