Obviously, people over 50 years old will pay a high premium--but is there a company out there that won't "soak the customer" , and at the same time are a reputable company ?

In closing--I am not a fan of the 'colonial penn' type deals that plaster their commercials over the television.

You're going to have to contact some local, independent agents to see who's writing term at a competitive rate in your age bracket, in your state.

There's no "one size fits all" answer here. It's going to depend on your general health, and the length of term you're talking about here - and quite likely your gender. If you're looking for 20 year term, in perfect health, it's going to be about 5% of face value if you're male, as you'll likely not survive the term. If you're NOT in perfect health, it will be more.