 $1 million of coverage, $75 per month level rate for the next 10 years. Or a man age 50, non-tobacco, can obtain $500,000 of coverage for a monthly premium of only $110 per month, guaranteed not to change for the next 20 years. That's right, level rate guaranteed not to change for the next 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.