Based on text estimates, what is the fair price for a $1,000,000 term life insurance policy for a 45 year old female who smokes?

Based on Price Per $1000 of Coverage Nonsmokers Smokers Male $0.70 $0.83 $%1.08 $%1.67 $2.30 Female $0.67 $0.74 $%1.00 $1.60 $2.20 Male $1.00 $%1.25 $%1.95 $2.80 $4.00 Female $0.95 $1.15 $1.60 $2.40 $3.25 Age 18-30 35 40 45 50 *Multiply the rate by each $1000 of coverage and add $60 for estimated administrative fees. For example, a fair annual premium for a $50,000 policy for a 36-year-old male nonsmoker might be $101.50 ($0.83 x 50 $41.50 $41.50$60 $101.50). Based on Price Per $1000 of Coverage Nonsmokers Smokers Male $0.70 $0.83 $%1.08 $%1.67 $2.30 Female $0.67 $0.74 $%1.00 $1.60 $2.20 Male $1.00 $%1.25 $%1.95 $2.80 $4.00 Female $0.95 $1.15 $1.60 $2.40 $3.25 Age 18-30 35 40 45 50 *Multiply the rate by each $1000 of coverage and add $60 for estimated administrative fees. For example, a fair annual premium for a $50,000 policy for a 36-year-old male nonsmoker might be $101.50 ($0.83 x 50 $41.50 $41.50$60 $101.50)