Term Life Insurance Rates by Age
Last Updated: October 14th, 2019
Chances are most consumers have inquired about insurance rates online, only to get inundated with text messages, emails, and phone calls shortly after requesting a quote.
The insurance quote tool below is different in that it will not initiate a string of incoming notifications. It will provide honest quotes from real companies that shoppers may compare at their leisure.
Get Your Life Insurance Rates
The life insurance quote tool on noexam.com will generate term life insurance rates in any state to compare.
Life insurance rates are estimations based on basic information provided by the life insurance shopper. They are not firm offers. To get the most accurate rate, users should click apply and complete a quote with a company directly.
Factors that Determine Life Insurance Rates
Life insurance companies calculate rates by factoring in an applicant’s age, gender, height, weight, and overall health.
The rate charts on this page represent the starting point, age, gender, height, and weight to determine the rate class. Rate classes are typically labeled as:
- Preferred Plus
- Preferred
- Standard
- Rated
After using the quote calculator listed above, when an acceptable quote is offered, users can click "apply" to begin their application. Once the application begins, the applicant will need to answer some health questions to determine health classification. These questions involve family history and any current or past medical conditions.
Having a medical condition like high blood pressure can move you to the next health class. A family history of heart disease or cancer before the age of 60 can also affect an applicant’s class.
Term Life Insurance Calculator
Use the term coverage calculator to determine how much coverage to get. A good rule of thumb is to have at least seven to 10 times the annual income of the household’s main financial provider in life insurance coverage.
The answer to the question of how much coverage varies and is based on many of factors. When determining the amount of coverage, consider the size of the applicant’s family, as well as their future needs, such as college tuition or wedding expenses. Also to be considered are any debts, such as a mortgage. Adding all these expenses up will give an idea of how much life insurance that family will need.
Pick a Term Length
The right term length is one that provides coverage while it is needed most. A 30-year term will provide the best value but may not be the right option, given the situation.
When choosing a term length, consider age and insurance needs. A 30-year policy term makes more sense if it is affordable. This is because the older an applicant gets, the more expensive a life insurance policy costs. A 30-year term policy at age 40 is cheaper than a 20-year term policy at age 50. Most importantly, the policy must meet the needs of the insured and be affordable.
Whole life insurance, on the other hand, specifically its cash value component, is confusing to many people. It is also more expensive, which is why we almost always recommend term.
Life Insurance Rates by Age
Below are sample term life insurance rates by age for comparison purposes. The rates are broken up by term length, gender, age, and coverage amounts. We recommend you use this comparison tool to compare actual rates from the best life insurance companies.
Our research indicates that Americans have no idea how much term life insurance should cost. We asked 2,000 people to guess the price of life insurance. The results were surprising. Of the group, 96% of the answers came nowhere close to the actual price of life insurance.
Average Cost of Life Insurance - How Much Does Term Life Insurance Cost?
Term life insurance can cost as low as $10 per month or as high as $500+ per month depending on age, term length, coverage amount, and overall health. The charts below provide average rates for a 30-year old woman in good health. See our page on the average cost of life insurance.
It is important to note once you buy a term life insurance policy, the rates do not increase over the term period of the policy.
| Term Life Coverage Amount | Average Monthly Cost of a 10 Year Term Policy |
|---|---|
| $100,000 | $8.10 |
| $250,000 | $10.34 |
| $500,000 | $13.05 |
| $1,000,000 | $20.88 |
* The above term rates are for a healthy 30-year-old female. An older female can expect higher rates. Use our comparison tool for a personalized quote.
Life Insurance Rates Get More Expensive as You Age
Our research has shown that the longer you wait to buy life insurance, the more it will cost.
- The average cost of life insurance increases by 29% from age 20 to age 30
- The average cost of life insurance increases by 62% from age 30 to age 40
- The average cost of life insurance increases by 97% from age 40 to age 50
- The average cost of life insurance increases by 99% from age 50 to age 60
- The average cost of life insurance increases by 219% from age 30 to age 50
Source: NoExam.com 2019 Pricing Study
10 Year Term Life Insurance Rates By Age
A 10-year term policy is usually the most affordable option for coverage. It will offer a level premium for 10 years. Once the initial 10 years is up, the premium will rise annually if the policy is renewable.
Male
Pricing samples below are rates based on a 10-year term for a healthy non-smoking male with a Preferred Plus rating.
Ages 18-28
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 18 | $9.41 | $13.92 | $18.27 |
| 19 | $9.41 | $13.92 | $18.27 |
| 20 | $9.41 | $13.92 | $18.27 |
| 21 | $9.41 | $13.92 | $18.27 |
| 22 | $9.41 | $13.92 | $18.27 |
| 23 | $9.41 | $13.92 | $18.27 |
| 24 | $9.41 | $13.92 | $18.27 |
| 25 | $9.41 | $13.92 | $18.27 |
| 26 | $9.41 | $13.92 | $18.27 |
| 27 | $9.41 | $13.92 | $18.27 |
| 28 | $9.41 | $13.92 | $18.27 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 29 | $9.45 | $13.92 | $18.27 |
| 30 | $9.45 | $13.92 | $18.27 |
| 31 | $9.45 | $13.92 | $18.27 |
| 32 | $9.45 | $13.92 | $18.27 |
| 33 | $9.45 | $13.92 | $18.27 |
| 34 | $9.45 | $13.92 | $18.27 |
| 35 | $9.45 | $13.92 | $18.27 |
| 36 | $10.02 | $15.11 | $19.71 |
| 37 | $10.11 | $15.33 | $21.06 |
| 38 | $10.29 | $15.56 | $22.36 |
| 39 | $10.48 | $15.79 | $23.50 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 40 | $10.75 | $16.25 | $23.75 |
| 41 | $11.02 | $16.70 | $24.34 |
| 42 | $11.39 | $17.85 | $25.41 |
| 43 | $12.12 | $19.44 | $25.54 |
| 44 | $12.94 | $21.04 | $27.56 |
| 45 | $13.76 | $22.64 | $29.39 |
| 45 | $13.76 | $22.64 | $29.39 |
| 47 | $15.41 | $26.07 | $35.40 |
| 48 | $16.23 | $26.60 | $38.53 |
| 49 | $17.05 | $27.13 | $41.67 |
Ages 50-59
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 50 | $17.87 | $27.67 | $45.70 |
| 51 | $18.70 | $29.95 | $50.63 |
| 52 | $19.61 | $32.46 | $56.01 |
| 53 | $20.62 | $35.43 | $61.74 |
| 54 | $21.80 | $38.63 | $68.01 |
| 55 | $23.36 | $42.28 | $74.56 |
| 56 | $25.27 | $45.94 | $81.90 |
| 57 | $27.56 | $50.05 | $90.51 |
| 58 | $30.12 | $56.21 | $99.02 |
| 59 | $33.04 | $61.69 | $109.32 |
Ages 60-69
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 60 | $36.14 | $68.32 | $127.32 |
| 61 | $37.94 | $71.91 | $131.81 |
| 62 | $41.77 | $79.52 | $147.90 |
| 63 | $46.03 | $87.78 | $165.30 |
| 64 | $50.73 | $98.88 | $185.75 |
| 65 | $56.04 | $109.1 | $207.5 |
| 66 | $61.52 | $122.15 | $230.12 |
| 67 | $67.70 | $136.72 | $254.48 |
| 68 | $74.66 | $153.47 | $281.88 |
| 69 | $82.58 | $172.61 | $314.94 |
Ages 70-74
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 70 | $91.88 | $195.01 | $355.40 |
| 71 | $102.15 | $219.81 | $401.51 |
| 72 | $112.85 | $246.34 | $451.97 |
| 73 | $125.12 | $276.79 | $510.26 |
| 74 | $140.78 | $313.98 | $586.82 |
Female
Pricing samples below are rates based on a 10-year term for a healthy non-smoking female with a Preferred Plus rating.
Ages 18-28
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 18 | $8.04 | $10.34 | $13.05 |
| 19 | $8.04 | $10.34 | $13.05 |
| 20 | $8.04 | $10.34 | $13.05 |
| 21 | $8.04 | $10.34 | $13.05 |
| 22 | $8.04 | $10.34 | $13.05 |
| 23 | $8.04 | $10.34 | $13.05 |
| 24 | $8.04 | $10.34 | $13.05 |
| 25 | $8.04 | $10.34 | $13.05 |
| 26 | $8.04 | $10.34 | $13.05 |
| 27 | $8.06 | $10.34 | $13.05 |
| 28 | $8.08 | $10.34 | $13.05 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 29 | $8.08 | $10.34 | $13.05 |
| 30 | $8.10 | $10.34 | $13.05 |
| 31 | $8.10 | $10.34 | $13.05 |
| 32 | $8.10 | $10.47 | $13.05 |
| 33 | $8.10 | $10.61 | $13.49 |
| 34 | $8.21 | $10.73 | $13.49 |
| 35 | $8.22 | $10.98 | $13.92 |
| 36 | $8.74 | $11.68 | $14.79 |
| 37 | $8.92 | $12.14 | $15.23 |
| 38 | $9.20 | $12.59 | $15.68 |
| 39 | $9.56 | $13.05 | $16.58 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 40 | $9.93 | $13.96 | $17.70 |
| 41 | $10.48 | $15.11 | $19.04 |
| 42 | $11.21 | $16.48 | $20.83 |
| 43 | $11.85 | $16.89 | $22.59 |
| 44 | $12.58 | $16.91 | $25.09 |
| 45 | $13.22 | $16.93 | $26.66 |
| 46 | $13.76 | $17.98 | $28.59 |
| 47 | $14.31 | $18.99 | $30.82 |
| 48 | $14.86 | $20.13 | $33.15 |
| 49 | $15.32 | $21.50 | $35.40 |
Ages 50-59
| Age | $100,000 | $250,000 | $500,000 | |
|---|---|---|---|---|
| 50 | $15.87 | $22.87 | $38.08 | |
| 51 | $16.41 | $24.47 | $40.77 | |
| 52 | $16.87 | $26.07 | $43.91 | |
| 53 | $17.33 | $27.89 | $47.94 | |
| 54 | $17.97 | $29.95 | $51.88 | |
| 55 | $18.97 | $32.23 | $55.78 | |
| 56 | $20.07 | $34.29 | $59.50 | |
| 57 | $21.25 | $36.34 | $62.28 | $115.71 |
| 58 | $22.72 | $38.86 | $65.86 | |
| 59 | $24.63 | $42.74 | $71.69 |
Ages 60-69
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 60 | $27.47 | $48.22 | $83.13 |
| 61 | $28.46 | $52.11 | $86.94 |
| 62 | $30.77 | $62.99 | $111.80 |
| 63 | $40.21 | $75.17 | $133.55 |
| 64 | $46.03 | $86.65 | $156.60 |
| 65 | $51.86 | $99.31 | $180.09 |
| 66 | $57.52 | $111.06 | $202.28 |
| 67 | $63.44 | $123.45 | $224.90 |
| 68 | $69.61 | $136.50 | $249.26 |
| 69 | $76.49 | $151.73 | $278.40 |
Ages 70-74
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 70 | $84.14 | $169.78 | $314.51 |
| 71 | $92.49 | $191.10 | $357.57 |
| 72 | $101.19 | $214.59 | $407.60 |
| 73 | $110.94 | $241.56 | $464.58 |
| 74 | $122.25 | $272.66 | $528.96 |
*Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
15 Year Term Life Insurance Rates By Age
A 15-year term policy is similar to the 10-year term in that it is usually one of the more affordable term lengths. It will provide coverage for 15 years at a level premium. Once the initial 15 years has passed, the premium will rise annually if the policy is renewable.
Male
Pricing samples below are rates based on a 15-year term for a healthy non-smoking male with a Preferred Plus rating.
Ages 18-29
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 18 | $9.50 | $14.14 | $19.14 | <
| 19 | $9.50 | $14.14 | $19.14 |
| 20 | $9.50 | $14.14 | $19.14 |
| 21 | $9.50 | $14.14 | $19.14 |
| 22 | $9.50 | $14.14 | $19.14 |
| 23 | $9.50 | $14.14 | $19.14 |
| 24 | $9.50 | $14.14 | $19.14 |
| 25 | $9.50 | $14.14 | $19.14 |
| 26 | $9.50 | $14.14 | $19.14 |
| 27 | $9.50 | $14.14 | $19.14 |
| 28 | $9.50 | $14.14 | $19.14 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 29 | $9.50 | $14.14 | $19.14 |
| 30 | $9.50 | $14.14 | $19.14 |
| 31 | $9.50 | $14.14 | $19.14 |
| 32 | $9.50 | $14.14 | $19.58 |
| 33 | $9.50 | $14.14 | $19.58 |
| 34 | $9.50 | $14.14 | $20.01 |
| 35 | $9.50 | $14.14 | $20.45 |
| 36 | $10.11 | $15.33 | $22.36 |
| 37 | $10.20 | $15.56 | $22.40 |
| 38 | $10.48 | $16.25 | $22.40 |
| 39 | $10.75 | $16.93 | $25.26 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 40 | $11.30 | $17.85 | $27.67 |
| 41 | $12.03 | $19.22 | $29.57 |
| 42 | $12.85 | $20.81 | $30.97 |
| 43 | $13.40 | $22.64 | $33.42 |
| 44 | $14.40 | $24.45 | $37.77 |
| 45 | $15.41 | $24.47 | $41.93 |
| 46 | $16.41 | $26.66 | $45.13 |
| 47 | $17.51 | $28.49 | $48.78 |
| 48 | $18.61 | $30.63 | $53.35 |
| 49 | $19.79 | $33.27 | $59.57 |
Ages 50-59
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 50 | $21.07 | $37.31 | $67.62 |
| 51 | $22.44 | $39.79 | $72.44 |
| 52 | $23.90 | $43.14 | $78.86 |
| 53 | $25.64 | $46.97 | $86.51 |
| 54 | $27.47 | $51.93 | $96.46 |
| 55 | $28.96 | $60.81 | $113.69 |
| 56 | $31.15 | $66.81 | $124.24 |
| 57 | $34.41 | $73.86 | $136.76 |
| 58 | $38.02 | $81.95 | $151.38 |
| 59 | $42.17 | $91.09 | $168.08 |
Ages 60-65
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 60 | $47.63 | $105.29 | $196.29 |
| 61 | $46.30 | $106.05 | $176.61 |
| 62 | $51.43 | $106.49 | $199.23 |
| 63 | $57.43 | $119.00 | $224.90 |
| 64 | $64.04 | $134.09 | $254.48 |
| 65 | $71.96 | $151.84 | $291.45 |
Female
Pricing samples below are rates based on a 15-year term for a healthy non-smoking female with a Preferred Plus rating.
Ages 18-28
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 18 | $8.51 | $11.65 | $15.66 |
| 19 | $8.51 | $11.65 | $15.66 |
| 20 | $8.51 | $11.65 | $15.66 |
| 21 | $8.51 | $11.65 | $15.66 |
| 22 | $8.51 | $11.65 | $15.66 |
| 23 | $8.51 | $11.65 | $15.66 |
| 24 | $8.51 | $11.65 | $15.66 |
| 25 | $8.51 | $11.65 | $15.66 |
| 26 | $8.51 | $11.65 | $15.66 |
| 27 | $8.51 | $11.65 | $15.66 |
| 28 | $8.51 | $11.65 | $15.66 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 29 | $8.51 | $11.65 | $15.66 |
| 30 | $8.51 | $11.65 | $15.66 |
| 31 | $8.51 | $11.65 | $15.66 |
| 32 | $8.51 | $11.65 | $15.66 |
| 33 | $8.59 | $11.88 | $16.10 |
| 34 | $8.59 | $11.88 | $16.10 |
| 35 | $8.68 | $12.10 | $16.53 |
| 36 | $9.20 | $12.59 | $17.92 |
| 37 | $9.56 | $13.28 | $18.37 |
| 38 | $9.93 | $13.96 | $19.27 |
| 39 | $10.29 | $14.88 | $20.52 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 40 | $10.75 | $15.79 | $22.46 |
| 41 | $11.21 | $16.70 | $24.34 |
| 42 | $11.75 | $17.85 | $26.68 |
| 43 | $12.30 | $19.22 | $29.03 |
| 44 | $12.94 | $19.79 | $31.85 |
| 45 | $13.58 | $19.81 | $33.11 |
| 46 | $14.22 | $21.27 | $35.96 |
| 47 | $14.95 | $22.41 | $38.27 |
| 48 | $15.68 | $24.01 | $41.50 |
| 49 | $16.41 | $26.49 | $45.10 |
Ages 50-59
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 50 | $17.33 | $29.35 | $51.08 |
| 51 | $18.33 | $31.60 | $52.63 |
| 52 | $19.43 | $33.60 | $56.46 |
| 53 | $19.88 | $35.35 | $63.03 |
| 54 | $21.07 | $38.69 | $69.81 |
| 55 | $22.53 | $42.41 | $76.73 |
| 56 | $24.18 | $45.93 | $83.52 |
| 57 | $25.18 | $49.59 | $89.78 |
| 58 | $26.55 | $54.03 | $97.61 |
| 59 | $28.74 | $60.55 | $109.10 |
Ages 60-65
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 60 | $32.31 | $69.28 | $124.24 |
| 61 | $36.38 | $68.64 | $121.37 |
| 62 | $43.08 | $79.08 | $143.99 |
| 63 | $50.99 | $93.00 | $164.00 |
| 64 | $59.61 | $109.32 | $183.57 |
| 65 | $67.96 | $126.06 | $204.45 |
*Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
20 Year Term Life Insurance Rates By Age
A 20-year term policy our most popular term length. It will provide coverage for 20 years at a level term premium. After the initial period of 20 years, the premiums will increase annually.
Male
Pricing samples below are rates based on a 20-year term for a healthy non-smoking male with a Preferred Plus rating.
Ages 18-28
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 18 | $9.92 | $14.57 | $20.88 |
| 19 | $9.92 | $14.57 | $20.88 |
| 20 | $9.92 | $14.57 | $20.88 |
| 21 | $9.92 | $14.57 | $20.88 |
| 22 | $9.92 | $14.57 | $20.88 |
| 23 | $9.92 | $14.57 | $20.88 |
| 24 | $9.92 | $14.57 | $20.88 |
| 25 | $9.92 | $14.57 | $20.88 |
| 26 | $9.92 | $14.57 | $20.88 |
| 27 | $9.92 | $14.57 | $20.88 |
| 28 | $9.92 | $14.57 | $20.88 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 29 | $9.92 | $14.57 | $20.88 |
| 30 | $9.92 | $14.79 | $21.32 |
| 31 | $9.92 | $14.79 | $22.19 |
| 32 | $9.92 | $14.79 | $22.19 |
| 33 | $9.92 | $15.09 | $22.33 |
| 34 | $9.92 | $15.16 | $22.38 |
| 35 | $10.41 | $16.29 | $25.91 |
| 36 | $11.21 | $16.93 | $26.70 |
| 37 | $11.57 | $18.07 | $28.65 |
| 38 | $11.94 | $19.22 | $31.18 |
| 39 | $12.39 | $19.94 | $33.13 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 40 | $12.67 | $21.67 | $36.92 |
| 41 | $13.86 | $23.84 | $39.14 |
| 42 | $14.86 | $26.00 | $42.97 |
| 43 | $15.96 | $28.00 | $46.32 |
| 44 | $17.24 | $30.60 | $51.58 |
| 45 | $17.97 | $33.75 | $59.93 |
| 46 | $19.15 | $36.25 | $64.93 |
| 47 | $20.71 | $39.01 | $70.43 |
| 48 | $21.89 | $42.26 | $76.94 |
| 49 | $23.36 | $46.90 | $85.50 |
Ages 50-60
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 50 | $24.63 | $51.68 | $96.06 |
| 51 | $26.73 | $54.96 | $102.04 |
| 52 | $28.84 | $59.83 | $111.80 |
| 53 | $31.39 | $65.22 | $122.06 |
| 54 | $34.13 | $71.13 | $135.00 |
| 55 | $38.31 | $83.27 | $157.74 |
| 56 | $43.15 | $93.06 | $179.18 |
| 57 | $47.05 | $103.93 | $198.67 |
| 58 | $52.84 | $116.65 | $226.09 |
| 59 | $58.14 | $131.23 | $255.40 |
| 60 | $64.34 | $147.70 | $286.85 |
Female
Pricing samples below are based on a 20-year term for a healthy non-smoking female with a Preferred Plus rating.
Ages 18-28
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 18 | $9.05 | $13.09 | $18.71 |
| 19 | $9.05 | $13.09 | $18.71 |
| 20 | $9.05 | $13.09 | $18.71 |
| 21 | $9.05 | $13.09 | $18.71 |
| 22 | $9.05 | $13.09 | $18.71 |
| 23 | $9.05 | $13.09 | $18.71 |
| 24 | $9.05 | $13.09 | $18.71 |
| 25 | $9.05 | $13.09 | $18.71 |
| 26 | $9.05 | $13.09 | $18.71 |
| 27 | $9.05 | $13.09 | $18.71 |
| 28 | $9.05 | $13.09 | $18.71 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 29 | $9.14 | $13.31 | $19.14 |
| 30 | $9.14 | $13.31 | $19.14 |
| 31 | $9.14 | $13.31 | $19.14 |
| 32 | $9.23 | $13.40 | $19.49 |
| 33 | $9.23 | $13.40 | $19.49 |
| 34 | $9.32 | $13.49 | $19.49 |
| 35 | $9.50 | $13.99 | $21.58 |
| 36 | $10.38 | $15.33 | $22.92 |
| 37 | $10.75 | $16.02 | $24.21 |
| 38 | $11.11 | $16.93 | $25.84 |
| 39 | $11.66 | $17.85 | $27.75 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 40 | $12.12 | $18.99 | $29.67 |
| 41 | $12.67 | $20.13 | $32.06 |
| 42 | $13.22 | $21.50 | $35.41 |
| 43 | $13.86 | $23.33 | $38.18 |
| 44 | $14.49 | $24.93 | $42.01 |
| 45 | $15.32 | $25.94 | $44.98 |
| 46 | $16.23 | $27.83 | $48.71 |
| 47 | $17.14 | $29.49 | $51.68 |
| 48 | $18.24 | $31.70 | $55.51 |
| 49 | $19.06 | $33.86 | $59.81 |
Ages 50-60
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 50 | $20.16 | $36.46 | $65.87 |
| 51 | $21.62 | $38.17 | $69.06 |
| 52 | $23.26 | $41.37 | $72.14 |
| 53 | $24.80 | $44.93 | $79.75 |
| 54 | $26.47 | $49.12 | $88.27 |
| 55 | $28.32 | $53.93 | $97.23 |
| 56 | $30.39 | $58.50 | $106.43 |
| 57 | $32.03 | $63.06 | $115.60 |
| 58 | $33.95 | $68.55 | $128.55 |
| 59 | $37.15 | $76.31 | $142.93 |
| 60 | $42.26 | $90.37 | $173.03 |
*Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
30 Year Term Life Insurance Rates By Age
A 30-year term offers the longest term coverage. Like the above-mentioned term lengths the 30-year term will offer a level term premium for the first 30 years, and after this initial period of can renew annually up to age 95 depending on the policy.
Male
Pricing samples below are rates based on a 30-year term for a healthy non-smoking male with a Preferred Plus rating.
Ages 18-28
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 18 | $12.96 | $21.53 | $33.06 |
| 19 | $12.96 | $21.53 | $33.06 |
| 20 | $12.96 | $21.53 | $33.06 |
| 21 | $12.96 | $21.53 | $33.06 |
| 22 | $12.96 | $21.53 | $33.06 |
| 23 | $12.96 | $21.53 | $33.06 |
| 24 | $12.96 | $21.53 | $33.06 |
| 25 | $12.96 | $21.53 | $33.06 |
| 26 | $12.96 | $21.75 | $33.50 |
| 27 | $13.05 | $21.75 | $33.50 |
| 28 | $13.14 | $21.97 | $33.76 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 29 | $13.22 | $22.19 | $33.84 |
| 30 | $13.31 | $22.62 | $34.28 |
| 31 | $13.40 | $22.84 | $35.15 |
| 32 | $13.57 | $23.27 | $36.02 |
| 33 | $13.83 | $23.36 | $36.89 |
| 34 | $14.18 | $23.38 | $38.19 |
| 35 | $14.70 | $23.64 | $39.50 |
| 36 | $16.50 | $26.20 | $43.37 |
| 37 | $17.33 | $27.59 | $46.06 |
| 38 | $18.42 | $29.90 | $50.63 |
| 39 | $19.43 | $31.60 | $54.21 |
Ages 40-50
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 40 | $20.52 | $33.12 | $57.26 |
| 41 | $21.80 | $36.67 | $64.07 |
| 42 | $23.36 | $40.13 | $70.79 |
| 43 | $25.09 | $42.57 | $76.17 |
| 44 | $26.59 | $46.49 | $82.89 |
| 45 | $26.59 | $50.87 | $90.51 |
| 46 | $28.62 | $55.02 | $98.30 |
| 47 | $30.93 | $59.63 | $106.14 |
| 48 | $33.51 | $65.40 | $116.85 |
| 49 | $36.46 | $71.25 | $129.44 |
| 50 | $39.78 | $77.94 | $141.99 |
Female
Pricing samples below are based on a 30-year term for a healthy non-smoking female with a Preferred Plus rating.
Ages 18-28
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 18 | $11.92 | $18.49 | $26.97 |
| 19 | $11.92 | $18.49 | $26.97 |
| 20 | $11.92 | $18.49 | $26.97 |
| 21 | $11.92 | $18.49 | $26.97 |
| 22 | $11.92 | $18.49 | $26.97 |
| 23 | $11.92 | $18.71 | $26.97 |
| 24 | $11.92 | $18.71 | $26.97 |
| 25 | $11.92 | $18.71 | $26.97 |
| 26 | $12.09 | $18.92 | $27.41 |
| 27 | $12.27 | $19.36 | $27.41 |
| 28 | $12.44 | $19.58 | $27.84 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 29 | $12.62 | $20.01 | $28.28 |
| 30 | $12.88 | $20.45 | $28.62 |
| 31 | $13.05 | $20.88 | $29.49 |
| 32 | $13.31 | $21.32 | $30.36 |
| 33 | $13.57 | $21.75 | $31.23 |
| 34 | $13.83 | $22.40 | $32.10 |
| 35 | $14.18 | $23.27 | $33.41 |
| 36 | $15.68 | $25.08 | $36.20 |
| 37 | $16.23 | $25.11 | $38.44 |
| 38 | $16.87 | $25.13 | $41.22 |
| 39 | $17.51 | $26.34 | $43.91 |
Ages 40-50
| Age | $100,000 | $250,000 | $500,000 |
|---|---|---|---|
| 40 | $18.15 | $27.61 | $46.51 |
| 41 | $18.70 | $29.56 | $50.40 |
| 42 | $19.61 | $31.68 | $54.21 |
| 43 | $20.62 | $33.97 | $58.16 |
| 44 | $21.24 | $36.71 | $63.43 |
| 45 | $21.25 | $40.23 | $68.46 |
| 46 | $22.90 | $43.49 | $73.84 |
| 47 | $24.63 | $46.77 | $80.11 |
| 48 | $26.92 | $50.42 | $87.73 |
| 49 | $29.29 | $54.67 | $96.33 |
| 50 | $31.94 | $59.64 | $105.66 |
*Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
UL Universal Life Insurance Quotes
Universal life, or sometimes called lifetime coverage, is a policy that offers a level premium for life. A universal life policy will offer coverage to up to age 121. The death benefit is fixed.
Male
Pricing samples below are rates based on a No Lapse Universal Life quote for a healthy non-smoking male with a Preferred Plus rating.
Ages 16-28
| Age | $100,000 | $200,000 | $300,000 |
|---|---|---|---|
| 16 | $35.63 | $71.26 | $93.10 |
| 17 | $35.65 | $71.30 | $93.15 |
| 18 | $35.67 | $71.34 | $93.18 |
| 19 | $35.68 | $71.36 | $93.23 |
| 20 | $35.70 | $71.40 | $93.27 |
| 21 | $35.72 | $71.44 | $93.32 |
| 22 | $35.73 | $71.46 | $93.35 |
| 23 | $35.75 | $71.50 | $93.40 |
| 24 | $35.76 | $71.52 | $93.44 |
| 25 | $35.78 | $71.56 | $93.48 |
| 26 | $37.63 | $75.26 | $98.24 |
| 27 | $39.40 | $78.80 | $102.81 |
| 28 | $41.11 | $82.22 | $107.22 |
| 29 | $42.75 | $85.50 | $111.50 |
Ages 29-39
| Age | $100,000 | $200,000 | $300,000 |
|---|---|---|---|
| 30 | $44.34 | $88.68 | $115.62 |
| 31 | $45.88 | $91.76 | $119.63 |
| 32 | $47.37 | $94.74 | $123.52 |
| 33 | $48.81 | $97.62 | $127.30 |
| 34 | $50.21 | $100.42 | $130.96 |
| 35 | $51.57 | $103.14 | $134.52 |
| 36 | $53.96 | $107.92 | $142.80 |
| 37 | $56.28 | $112.56 | $150.74 |
| 38 | $58.53 | $117.06 | $158.38 |
| 39 | $60.72 | $121.44 | $165.76 |
Ages 40-49
| Age | $100,000 | $200,000 | $300,000 |
|---|---|---|---|
| 40 | $62.84 | $125.68 | $172.89 |
| 41 | $64.91 | $129.82 | $179.79 |
| 42 | $66.92 | $133.84 | $186.47 |
| 43 | $68.88 | $137.76 | $192.96 |
| 44 | $70.80 | $141.60 | $199.26 |
| 45 | $72.66 | $145.32 | $205.37 |
| 46 | $79.20 | $158.40 | $222.54 |
| 47 | $85.38 | $170.76 | $238.79 |
| 48 | $91.26 | $182.52 | $254.32 |
| 49 | $96.86 | $193.72 | $269.20 |
Ages 50-59
| Age | $100,000 | $200,000 | $300,000 | $400,000 |
|---|---|---|---|---|
| 50 | $102.22 | $204.44 | $283.48 | |
| 51 | $102.57 | $205.14 | $283.78 | |
| 52 | $107.32 | $214.64 | $296.52 | |
| 53 | $111.89 | $223.78 | $308.82 | |
| 54 | $116.30 | $232.60 | $320.72 | |
| 55 | $120.57 | $241.14 | $332.21 | |
| 56 | $131.47 | $262.94 | $362.26 | |
| 57 | $141.79 | $283.58 | $390.68 | |
| 58 | $151.61 | $303.22 | $417.77 | |
| 59 | $160.99 | $321.98 | $443.67 |
Ages 60-65
| Age | $100,000 | $200,000 | $300,000 |
|---|---|---|---|
| 60 | $169.95 | $339.90 | $468.50 |
| 61 | $175.11 | $350.22 | $482.75 |
| 62 | $183.23 | $366.46 | $505.31 |
| 63 | $191.05 | $382.10 | $527.04 |
| 64 | $198.60 | $397.20 | $548.03 |
| 65 | $205.89 | $411.78 | $568.35 |
Female
Pricing samples below are rates based on a No Lapse Universal Life quote for a healthy non-smoking female with a Preferred Plus rating.
Ages 16-28
| Age | $100,000 | $200,000 | $300,000 |
|---|---|---|---|
| 16 | $31.61 | $63.22 | $80.99 |
| 17 | $31.63 | $63.26 | $81.03 |
| 18 | $31.64 | $63.28 | $81.06 |
| 19 | $31.66 | $63.32 | $81.10 |
| 20 | $31.67 | $63.34 | $81.15 |
| 21 | $31.69 | $63.38 | $81.18 |
| 22 | $31.70 | $63.40 | $81.22 |
| 23 | $31.72 | $63.44 | $81.26 |
| 24 | $31.73 | $63.46 | $81.29 |
| 25 | $31.74 | $63.48 | $81.33 |
| 26 | $32.98 | $65.96 | $85.53 |
| 27 | $34.18 | $68.36 | $89.56 |
| 28 | $35.34 | $70.68 | $93.44 |
Ages 29-39
| Age | $100,000 | $200,000 | $300,000 |
|---|---|---|---|
| 29 | $36.47 | $72.94 | $97.18 |
| 30 | $37.56 | $75.12 | $100.80 |
| 31 | $38.63 | $77.26 | $104.31 |
| 32 | $39.66 | $79.32 | $107.70 |
| 33 | $40.68 | $81.36 | $111.00 |
| 34 | $41.66 | $83.32 | $114.22 |
| 35 | $42.63 | $85.26 | $117.35 |
| 36 | $44.93 | $89.86 | $123.05 |
| 37 | $47.15 | $94.30 | $128.52 |
| 38 | $49.28 | $98.56 | $133.82 |
| 39 | $51.34 | $102.68 | $138.95 |
Ages 40-49
| Age | $100,000 | $200,000 | $300,000 |
|---|---|---|---|
| 40 | $53.34 | $106.68 | $143.94 |
| 41 | $55.27 | $110.54 | $148.80 |
| 42 | $57.15 | $114.30 | $153.52 |
| 43 | $58.97 | $117.94 | $158.13 |
| 44 | $60.75 | $121.50 | $162.62 |
| 45 | $62.48 | $124.96 | $166.97 |
| 46 | $67.41 | $134.82 | $181.30 |
| 47 | $72.03 | $144.03 | $194.56 |
| 48 | $76.42 | $152.84 | $207.12 |
| 49 | $80.61 | $161.22 | $219.10 |
Ages 50-59
| Age | $100,000 | $200,000 | $300,000 |
|---|---|---|---|
| 50 | $84.61 | $169.22 | $230.54 |
| 51 | $86.39 | $172.78 | $235.80 |
| 52 | $90.01 | $180.02 | $246.11 |
| 53 | $93.50 | $187.00 | $256.06 |
| 54 | $96.87 | $193.74 | $265.65 |
| 55 | $100.12 | $200.24 | $274.90 |
| 56 | $109.33 | $218.66 | $302.66 |
| 57 | $117.93 | $235.86 | $328.28 |
| 58 | $126.05 | $252.10 | $352.42 |
| 59 | $133.76 | $267.52 | $375.27 |
Ages 60-65
| Age | $100,000 | $200,000 | $300,000 |
|---|---|---|---|
| 60 | $141.11 | $282.22 | $397.01 |
| 61 | $142.29 | $284.58 | $401.12 |
| 62 | $148.81 | $297.62 | $420.34 |
| 63 | $155.08 | $310.16 | $438.81 |
| 64 | $161.13 | $322.26 | $456.60 |
| 65 | $166.98 | $333.96 | $473.78 |
*Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.