 rates have dropped dramatically in the past two years for example a man age 45 non-tobacco user 1 million dollars of coverage is only 75 per month level for the next 10 years or a man age 50 non-tobacco user can buy a half million dollars of coverage for a monthly premium of only 110 guaranteed not to change for the next 20 years that's right level rates for 20 years and if you're a smoker we have