 The Northlands Talk Station. Talk Radio. AM 1360. KKBJ. In the term life industry, rates have dropped dramatically in the past few years. For example, 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.