 A man aged 45, non-smoker, can get $1 million of coverage for $75 per month, level rate for 10 years. Or a man aged 50, non-smoker, can obtain $500,000 of coverage for a monthly premium of $110, level rate for 20 years. That's right, guaranteed level rate for 20 years. If you're a smoker, we have great rates available for you as well. At Term Busters, we specialize in policies of $500,000 and above.