Term Life Insurance Rates by Age
Getting a life insurance quote online can result in a flood of calls and emails. For this reason we have decided to publish sample life insurance rates by age and gender. Our hope is that it helps our customers to make an informed decision.
Average Cost of Term Life Insurance
Research shows that Americans assume term life insurance costs about twice as much as it does. Term life insurance rates are between $8-$26 per month on average depending on the term length and coverage amount. The charts below provide average rates for a 30 year old woman in good health.
Life insurance rates do not increase over the term period of the policy.
| Term Life Coverage Amount | Average Rates for 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. If you are older you can expect the rates to be higher. Click here for a more accurate quote. The prices listed above are for term life insurance products.
Get the Best Term Life Insurance Quotes
Haven Life is backed by A++ rated Mass Mutual, and is our #1 recommendation. Competitive rates and best in class application process earn it the #1 spot for the best rates. Click the button below to see your custom rate.
AIG, also know as American International Group, has been in business since 1919. AIG's strong financial rating, product selection and competitive pricing place it in the #2 spot for best rates. Get a quote by clicking below.
Ethos is backed by Assurity life insurance, which has very strong financial ratings. Ethos offers a term life insurance product that is trusted and affordable. This earns Ethos the #3 spot for the best term rates.
How Does This Work?
Every life insurance company is different. They each have their own way of determining risk and prices. While your quote might come back higher with one company, you may get a lower quote with another. This is why it’s important to work with an experienced broker. A good agent will know what companies can offer you the best rates based on your health profile.
How Life Insurance Rates Work
Life insurance rates are calculated by factoring in your age, gender, height, weight, and overall health.
The rate charts below are the starting point. Age, gender, height and weight will determine your rate class. The rate classes are usually preferred plus, preferred, standard, and rated.
Once you are ok with the life insurance quote, a good agent will ask some preliminary questions. These are to determine if you will stay in the initial 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. Family members that have a history of heart disease or cancer before the age of 60 can also have an effect.
These questions are important because they save time. If your initial quote was for $15 per month, but you get moved to another rate class you may not be ok with the new price. This results in a bad customer experience. Consumers refer to it as the bait and switch. By asking these questions, agents can help to avoid having to come back with a higher price. However, the medical exam will determine what rate class you end up in.
How Much Coverage Do You Need?
At least 7 to 10 times your annual income in life insurance coverage is a good rule of thumb.
The answer to this question varies based on a multitude of factors. You must consider the size of your family and their needs in the future as well. College tuition and weddings are two obligations that come to mind. You also have to consider any debts you carry, such as a mortgage. Adding these up will give you a good idea of how much life insurance you need. This is the same thing the fancy life insurance calculators will do for you.
Calculate Your Rate
Use the calculator to see a custom life insurance rate from Haven Life.
What Term Length is Best?
The right term length is one that provides coverage while you need it most. A 30 year term will provide the best value, but may not be necessary given your situation.
I am going to assume that since you are looking for quotes that you are price shopping. For this reason, I will exclude whole life insurance. When choosing a term length you have to consider your age and your insurance needs in the future. It makes sense to go for a 30 year policy term if you can afford it. This is because the older you are, the more expensive life insurance is. A 30 year policy term policy at age 40 is cheaper than a 20 year at age 50. Most importantly, the policy must meet your needs and be affordable.
Whole life insurance, specifically its cash value component, is confusing to many people. It's also much more expensive, which is why we almost always recommend term.
Choosing the Right Company
Once you've compared the different types of life insurance and determined the correct amount of coverage, it is time to narrow down the list of companies.
The end goal is to protect your loved ones, and choosing the right company is an important part of that. Any life insurance agent will tell you that financial strength is of the utmost importance when choosing a provider.
We recommend using an insurance agency that has access to the top term life insurance companies.
How to Get a Term Life Insurance Quote
Your first step is to find a broker who can provide you with quotes from more than one company. As an online broker, we have software that will give you quotes from the best life insurance companies to compare. Simply visit noexam.com/apply-now/ and complete the form with your information.
How to Get the Best Life Insurance Rate
Getting the best rate is something that takes work. You must get quotes from at least 10 life insurance companies. From there you can choose the lowest price and begin the application process. If you sail through underwriting and get the policy in force, pat yourself on the back. You now have the best term insurance rate possible.
If the insurance company comes back with a higher price, do not feel like you have to accept it. You can apply with another company to see if you get a lower rate.
10 Year Term Life Insurance Rates
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 | $1,000,000 |
|---|---|---|---|---|
| 18 | $9.41 | $13.92 | $18.27 | $29.58 |
| 19 | $9.41 | $13.92 | $18.27 | $29.58 |
| 20 | $9.41 | $13.92 | $18.27 | $29.58 |
| 21 | $9.41 | $13.92 | $18.27 | $29.58 |
| 22 | $9.41 | $13.92 | $18.27 | $29.58 |
| 23 | $9.41 | $13.92 | $18.27 | $29.58 |
| 24 | $9.41 | $13.92 | $18.27 | $29.58 |
| 25 | $9.41 | $13.92 | $18.27 | $29.58 |
| 26 | $9.41 | $13.92 | $18.27 | $29.58 |
| 27 | $9.41 | $13.92 | $18.27 | $29.58 |
| 28 | $9.41 | $13.92 | $18.27 | $29.58 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 29 | $9.45 | $13.92 | $18.27 | $29.58 |
| 30 | $9.45 | $13.92 | $18.27 | $29.58 |
| 31 | $9.45 | $13.92 | $18.27 | $29.58 |
| 32 | $9.45 | $13.92 | $18.27 | $29.58 |
| 33 | $9.45 | $13.92 | $18.27 | $29.58 |
| 34 | $9.45 | $13.92 | $18.27 | $29.58 |
| 35 | $9.45 | $13.92 | $18.27 | $29.58 |
| 36 | $10.02 | $15.11 | $19.71 | $31.32 |
| 37 | $10.11 | $15.33 | $21.06 | $33.93 |
| 38 | $10.29 | $15.56 | $22.36 | $36.54 |
| 39 | $10.48 | $15.79 | $23.50 | $38.28 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 40 | $10.75 | $16.25 | $23.75 | $40.80 |
| 41 | $11.02 | $16.70 | $24.34 | $41.96 |
| 42 | $11.39 | $17.85 | $25.41 | $43.00 |
| 43 | $12.12 | $19.44 | $25.54 | $44.05 |
| 44 | $12.94 | $21.04 | $27.56 | $47.85 |
| 45 | $13.76 | $22.64 | $29.39 | $49.33 |
| 45 | $13.76 | $22.64 | $29.39 | $49.33 |
| 47 | $15.41 | $26.07 | $35.40 | $59.94 |
| 48 | $16.23 | $26.60 | $38.53 | $65.25 |
| 49 | $17.05 | $27.13 | $41.67 | $71.56 |
Ages 50-59
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 50 | $17.87 | $27.67 | $45.70 | $79.17 |
| 51 | $18.70 | $29.95 | $50.63 | $88.65 |
| 52 | $19.61 | $32.46 | $56.01 | $98.31 |
| 53 | $20.62 | $35.43 | $61.74 | $109.18 |
| 54 | $21.80 | $38.63 | $68.01 | $120.49 |
| 55 | $23.36 | $42.28 | $74.56 | $135.72 |
| 56 | $25.27 | $45.94 | $81.90 | $150.51 |
| 57 | $27.56 | $50.05 | $90.51 | $166.08 |
| 58 | $30.12 | $56.21 | $99.02 | $181.83 |
| 59 | $33.04 | $61.69 | $109.32 | $200.97 |
Ages 60-69
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 60 | $36.14 | $68.32 | $127.32 | $223.59 |
| 61 | $37.94 | $71.91 | $131.81 | $249.69 |
| 62 | $41.77 | $79.52 | $147.90 | $278.40 |
| 63 | $46.03 | $87.78 | $165.30 | $311.46 |
| 64 | $50.73 | $98.88 | $185.75 | $351.48 |
| 65 | $56.04 | $109.1 | $207.5 | $391.50 |
| 66 | $61.52 | $122.15 | $230.12 | $431.52 |
| 67 | $67.70 | $136.72 | $254.48 | $470.67 |
| 68 | $74.66 | $153.47 | $281.88 | $515.04 |
| 69 | $82.58 | $172.61 | $314.94 | $575.07 |
Ages 70-74
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 70 | $91.88 | $195.01 | $355.40 | $651.63 |
| 71 | $102.15 | $219.81 | $401.51 | $742.11 |
| 72 | $112.85 | $246.34 | $451.97 | $849.12 |
| 73 | $125.12 | $276.79 | $510.26 | $973.53 |
| 74 | $140.78 | $313.98 | $586.82 | $1127.52 |
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 | $1,000,000* |
|---|---|---|---|---|
| 18 | $8.04 | $10.34 | $13.05 | $20.88 |
| 19 | $8.04 | $10.34 | $13.05 | $20.88 |
| 20 | $8.04 | $10.34 | $13.05 | $20.88 |
| 21 | $8.04 | $10.34 | $13.05 | $20.88 |
| 22 | $8.04 | $10.34 | $13.05 | $20.88 |
| 23 | $8.04 | $10.34 | $13.05 | $20.88 |
| 24 | $8.04 | $10.34 | $13.05 | $20.88 |
| 25 | $8.04 | $10.34 | $13.05 | $20.88 |
| 26 | $8.04 | $10.34 | $13.05 | $20.88 |
| 27 | $8.06 | $10.34 | $13.05 | $20.88 |
| 28 | $8.08 | $10.34 | $13.05 | $20.88 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 29 | $8.08 | $10.34 | $13.05 | $20.88 |
| 30 | $8.10 | $10.34 | $13.05 | $20.88 |
| 31 | $8.10 | $10.34 | $13.05 | $20.88 |
| 32 | $8.10 | $10.47 | $13.05 | $20.88 |
| 33 | $8.10 | $10.61 | $13.49 | $21.75 |
| 34 | $8.21 | $10.73 | $13.49 | $21.75 |
| 35 | $8.22 | $10.98 | $13.92 | $22.62 |
| 36 | $8.74 | $11.68 | $14.79 | $23.49 |
| 37 | $8.92 | $12.14 | $15.23 | $24.36 |
| 38 | $9.20 | $12.59 | $15.68 | $25.23 |
| 39 | $9.56 | $13.05 | $16.58 | $26.97 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 40 | $9.93 | $13.96 | $17.70 | $29.15 |
| 41 | $10.48 | $15.11 | $19.04 | $31.76 |
| 42 | $11.21 | $16.48 | $20.83 | $35.23 |
| 43 | $11.85 | $16.89 | $22.59 | $38.65 |
| 44 | $12.58 | $16.91 | $25.09 | $43.50 |
| 45 | $13.22 | $16.93 | $26.66 | $46.55 |
| 46 | $13.76 | $17.98 | $28.59 | $50.29 |
| 47 | $14.31 | $18.99 | $30.82 | $54.63 |
| 48 | $14.86 | $20.13 | $33.15 | $59.16 |
| 49 | $15.32 | $21.50 | $35.40 | $63.51 |
Ages 50-59
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 50 | $15.87 | $22.87 | $38.08 | $68.73 |
| 51 | $16.41 | $24.47 | $40.77 | $73.95 |
| 52 | $16.87 | $26.07 | $43.91 | $80.04 |
| 53 | $17.33 | $27.89 | $47.94 | $87.87 |
| 54 | $17.97 | $29.95 | $51.88 | $95.53 |
| 55 | $18.97 | $32.23 | $55.78 | $103.10 |
| 56 | $20.07 | $34.29 | $59.50 | $110.32 |
| 57 | $21.25 | $36.34 | $62.28 | $115.71 |
| 58 | $22.72 | $38.86 | $65.86 | $122.67 |
| 59 | $24.63 | $42.74 | $71.69 | $133.98 |
Ages 60-69
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 60 | $27.47 | $48.22 | $83.13 | $153.12 |
| 61 | $28.46 | $52.11 | $86.94 | $168.66 |
| 62 | $30.77 | $62.99 | $111.80 | $218.37 |
| 63 | $40.21 | $75.17 | $133.55 | $261.87 |
| 64 | $46.03 | $86.65 | $156.60 | $307.98 |
| 65 | $51.86 | $99.31 | $180.09 | $354.96 |
| 66 | $57.52 | $111.06 | $202.28 | $399.33 |
| 67 | $63.44 | $123.45 | $224.90 | $444.57 |
| 68 | $69.61 | $136.50 | $249.26 | $493.29 |
| 69 | $76.49 | $151.73 | $278.40 | $551.58 |
Ages 70-74
| Age | $100,000 | $250,000 | $500,000 | $1,000,000* |
|---|---|---|---|---|
| 70 | $84.14 | $169.78 | $314.51 | $623.79 |
| 71 | $92.49 | $191.10 | $357.57 | $709.92 |
| 72 | $101.19 | $214.59 | $407.60 | $809.97 |
| 73 | $110.94 | $241.56 | $464.58 | $923.94 |
| 74 | $122.25 | $272.66 | $528.96 | $1,052.70 |
*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
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 18-28
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 18 | $9.50 | $14.14 | $19.14 | $30.45 |
| 19 | $9.50 | $14.14 | $19.14 | $30.45 |
| 20 | $9.50 | $14.14 | $19.14 | $30.45 |
| 21 | $9.50 | $14.14 | $19.14 | $30.45 |
| 22 | $9.50 | $14.14 | $19.14 | $30.45 |
| 23 | $9.50 | $14.14 | $19.14 | $30.45 |
| 24 | $9.50 | $14.14 | $19.14 | $30.45 |
| 25 | $9.50 | $14.14 | $19.14 | $30.45 |
| 26 | $9.50 | $14.14 | $19.14 | $30.45 |
| 27 | $9.50 | $14.14 | $19.14 | $30.45 |
| 28 | $9.50 | $14.14 | $19.14 | $30.45 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 29 | $9.50 | $14.14 | $19.14 | $30.45 |
| 30 | $9.50 | $14.14 | $19.14 | $30.45 |
| 31 | $9.50 | $14.14 | $19.14 | $31.32 |
| 32 | $9.50 | $14.14 | $19.58 | $31.32 |
| 33 | $9.50 | $14.14 | $19.58 | $32.19 |
| 34 | $9.50 | $14.14 | $20.01 | $33.93 |
| 35 | $9.50 | $14.14 | $20.45 | $35.58 |
| 36 | $10.11 | $15.33 | $22.36 | $37.32 |
| 37 | $10.20 | $15.56 | $22.40 | $37.41 |
| 38 | $10.48 | $16.25 | $22.40 | $37.41 |
| 39 | $10.75 | $16.93 | $25.26 | $39.96 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 40 | $11.30 | $17.85 | $27.67 | $44.11 |
| 41 | $12.03 | $19.22 | $29.57 | $48.46 |
| 42 | $12.85 | $20.81 | $30.97 | $53.07 |
| 43 | $13.40 | $22.64 | $33.42 | $58.29 |
| 44 | $14.40 | $24.45 | $37.77 | $65.68 |
| 45 | $15.41 | $24.47 | $41.93 | $73.88 |
| 46 | $16.41 | $26.66 | $45.13 | $80.04 |
| 47 | $17.51 | $28.49 | $48.78 | $87.00 |
| 48 | $18.61 | $30.63 | $53.35 | $94.39 |
| 49 | $19.79 | $33.27 | $59.57 | $103.09 |
Ages 50-59
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 50 | $21.07 | $37.31 | $67.62 | $111.27 |
| 51 | $22.44 | $39.79 | $72.44 | $122.23 |
| 52 | $23.90 | $43.14 | $78.86 | $133.89 |
| 53 | $25.64 | $46.97 | $86.51 | $147.81 |
| 54 | $27.47 | $51.93 | $96.46 | $162.17 |
| 55 | $28.96 | $60.81 | $113.69 | $179.22 |
| 56 | $31.15 | $66.81 | $124.24 | $198.25 |
| 57 | $34.41 | $73.86 | $136.76 | $219.56 |
| 58 | $38.02 | $81.95 | $151.38 | $242.69 |
| 59 | $42.17 | $91.09 | $168.08 | $271.44 |
Ages 60-65
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 60 | $47.63 | $105.29 | $196.29 | $301.02 |
| 61 | $46.30 | $106.05 | $176.61 | $336.69 |
| 62 | $51.43 | $106.49 | $199.23 | $373.23 |
| 63 | $57.43 | $119.00 | $224.90 | $414.12 |
| 64 | $64.04 | $134.09 | $254.48 | $464.58 |
| 65 | $71.96 | $151.84 | $291.45 | $525.48 |
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 | $1,000,000 |
|---|---|---|---|---|
| 18 | $8.51 | $11.65 | $15.66 | $26.10 |
| 19 | $8.51 | $11.65 | $15.66 | $26.10 |
| 20 | $8.51 | $11.65 | $15.66 | $26.10 |
| 21 | $8.51 | $11.65 | $15.66 | $26.10 |
| 22 | $8.51 | $11.65 | $15.66 | $26.10 |
| 23 | $8.51 | $11.65 | $15.66 | $26.10 |
| 24 | $8.51 | $11.65 | $15.66 | $26.10 |
| 25 | $8.51 | $11.65 | $15.66 | $26.10 |
| 26 | $8.51 | $11.65 | $15.66 | $26.10 |
| 27 | $8.51 | $11.65 | $15.66 | $26.10 |
| 28 | $8.51 | $11.65 | $15.66 | $26.10 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 29 | $8.51 | $11.65 | $15.66 | $26.10 |
| 30 | $8.51 | $11.65 | $15.66 | $26.10 |
| 31 | $8.51 | $11.65 | $15.66 | $26.10 |
| 32 | $8.51 | $11.65 | $15.66 | $26.10 |
| 33 | $8.59 | $11.88 | $16.10 | $26.97 |
| 34 | $8.59 | $11.88 | $16.10 | $26.97 |
| 35 | $8.68 | $12.10 | $16.53 | $27.84 |
| 36 | $9.20 | $12.59 | $17.92 | $29.58 |
| 37 | $9.56 | $13.28 | $18.37 | $30.45 |
| 38 | $9.93 | $13.96 | $19.27 | $32.19 |
| 39 | $10.29 | $14.88 | $20.52 | $34.62 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 40 | $10.75 | $15.79 | $22.46 | $36.37 |
| 41 | $11.21 | $16.70 | $24.34 | $39.85 |
| 42 | $11.75 | $17.85 | $26.68 | $44.19 |
| 43 | $12.30 | $19.22 | $29.03 | $48.54 |
| 44 | $12.94 | $19.79 | $31.85 | $53.76 |
| 45 | $13.58 | $19.81 | $33.11 | $57.25 |
| 46 | $14.22 | $21.27 | $35.96 | $62.64 |
| 47 | $14.95 | $22.41 | $38.27 | $66.99 |
| 48 | $15.68 | $24.01 | $41.50 | $73.08 |
| 49 | $16.41 | $26.49 | $45.10 | $78.30 |
Ages 50-59
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 50 | $17.33 | $29.35 | $51.08 | $84.39 |
| 51 | $18.33 | $31.60 | $52.63 | $90.48 |
| 52 | $19.43 | $33.60 | $56.46 | $97.44 |
| 53 | $19.88 | $35.35 | $63.03 | $104.40 |
| 54 | $21.07 | $38.69 | $69.81 | $113.10 |
| 55 | $22.53 | $42.41 | $76.73 | $122.67 |
| 56 | $24.18 | $45.93 | $83.52 | $133.98 |
| 57 | $25.18 | $49.59 | $89.78 | $144.42 |
| 58 | $26.55 | $54.03 | $97.61 | $157.47 |
| 59 | $28.74 | $60.55 | $109.10 | $176.61 |
Ages 60-65
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 60 | $32.31 | $69.28 | $124.24 | $201.84 |
| 61 | $36.38 | $68.64 | $121.37 | $237.51 |
| 62 | $43.08 | $79.08 | $143.99 | $282.75 |
| 63 | $50.99 | $93.00 | $164.00 | $322.77 |
| 64 | $59.61 | $109.32 | $183.57 | $361.92 |
| 65 | $67.96 | $126.06 | $204.45 | $403.68 |
*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
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 | $1,000,000 |
|---|---|---|---|---|
| 18 | $9.92 | $14.57 | $20.88 | $35.67 |
| 19 | $9.92 | $14.57 | $20.88 | $35.67 |
| 20 | $9.92 | $14.57 | $20.88 | $35.67 |
| 21 | $9.92 | $14.57 | $20.88 | $35.67 |
| 22 | $9.92 | $14.57 | $20.88 | $35.67 |
| 23 | $9.92 | $14.57 | $20.88 | $35.67 |
| 24 | $9.92 | $14.57 | $20.88 | $35.67 |
| 25 | $9.92 | $14.57 | $20.88 | $35.67 |
| 26 | $9.92 | $14.57 | $20.88 | $35.67 |
| 27 | $9.92 | $14.57 | $20.88 | $35.67 |
| 28 | $9.92 | $14.57 | $20.88 | $36.11 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 29 | $9.92 | $14.57 | $20.88 | $36.11 |
| 30 | $9.92 | $14.79 | $21.32 | $36.54 |
| 31 | $9.92 | $14.79 | $22.19 | $37.32 |
| 32 | $9.92 | $14.79 | $22.19 | $37.76 |
| 33 | $9.92 | $15.09 | $22.33 | $38.50 |
| 34 | $9.92 | $15.16 | $22.38 | $39.37 |
| 35 | $10.41 | $16.29 | $25.91 | $39.76 |
| 36 | $11.21 | $16.93 | $26.70 | $42.37 |
| 37 | $11.57 | $18.07 | $28.65 | $45.85 |
| 38 | $11.94 | $19.22 | $31.18 | $49.58 |
| 39 | $12.39 | $19.94 | $33.13 | $53.29 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 40 | $12.67 | $21.67 | $36.92 | $58.90 |
| 41 | $13.86 | $23.84 | $39.14 | $64.81 |
| 42 | $14.86 | $26.00 | $42.97 | $71.77 |
| 43 | $15.96 | $28.00 | $46.32 | $78.65 |
| 44 | $17.24 | $30.60 | $51.58 | $88.22 |
| 45 | $17.97 | $33.75 | $59.93 | $98.31 |
| 46 | $19.15 | $36.25 | $64.93 | $106.49 |
| 47 | $20.71 | $39.01 | $70.43 | $115.71 |
| 48 | $21.89 | $42.26 | $76.94 | $126.50 |
| 49 | $23.36 | $46.90 | $85.50 | $137.81 |
Ages 50-60
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 50 | $24.63 | $51.68 | $96.06 | $149.55 |
| 51 | $26.73 | $54.96 | $102.04 | $165.30 |
| 52 | $28.84 | $59.83 | $111.80 | $181.31 |
| 53 | $31.39 | $65.22 | $122.06 | $200.97 |
| 54 | $34.13 | $71.13 | $135.00 | $221.60 |
| 55 | $38.31 | $83.27 | $157.74 | $246.21 |
| 56 | $43.15 | $93.06 | $179.18 | $272.66 |
| 57 | $47.05 | $103.93 | $198.67 | $302.32 |
| 58 | $52.84 | $116.65 | $226.09 | $335.82 |
| 59 | $58.14 | $131.23 | $255.40 | $374.88 |
| 60 | $64.34 | $147.70 | $286.85 | $422.38 |
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 | $1,000,000 |
|---|---|---|---|---|
| 18 | $9.05 | $13.09 | $18.71 | $32.19 |
| 19 | $9.05 | $13.09 | $18.71 | $32.19 |
| 20 | $9.05 | $13.09 | $18.71 | $32.19 |
| 21 | $9.05 | $13.09 | $18.71 | $32.19 |
| 22 | $9.05 | $13.09 | $18.71 | $32.19 |
| 23 | $9.05 | $13.09 | $18.71 | $32.19 |
| 24 | $9.05 | $13.09 | $18.71 | $32.19 |
| 25 | $9.05 | $13.09 | $18.71 | $32.19 |
| 26 | $9.05 | $13.09 | $18.71 | $32.19 |
| 27 | $9.05 | $13.09 | $18.71 | $32.19 |
| 28 | $9.05 | $13.09 | $18.71 | $32.19 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 29 | $9.14 | $13.31 | $19.14 | $33.06 |
| 30 | $9.14 | $13.31 | $19.14 | $33.06 |
| 31 | $9.14 | $13.31 | $19.14 | $33.06 |
| 32 | $9.23 | $13.40 | $19.49 | $33.75 |
| 33 | $9.23 | $13.40 | $19.49 | $33.75 |
| 34 | $9.32 | $13.49 | $19.49 | $33.75 |
| 35 | $9.50 | $13.99 | $21.58 | $34.02 |
| 36 | $10.38 | $15.33 | $22.92 | $36.45 |
| 37 | $10.75 | $16.02 | $24.21 | $38.80 |
| 38 | $11.11 | $16.93 | $25.84 | $41.76 |
| 39 | $11.66 | $17.85 | $27.75 | $45.24 |
Ages 40-49
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 40 | $12.12 | $18.99 | $29.67 | $48.72 |
| 41 | $12.67 | $20.13 | $32.06 | $53.07 |
| 42 | $13.22 | $21.50 | $35.41 | $59.16 |
| 43 | $13.86 | $23.33 | $38.18 | $64.20 |
| 44 | $14.49 | $24.93 | $42.01 | $71.16 |
| 45 | $15.32 | $25.94 | $44.98 | $76.56 |
| 46 | $16.23 | $27.83 | $48.71 | $83.34 |
| 47 | $17.14 | $29.49 | $51.68 | $88.74 |
| 48 | $18.24 | $31.70 | $55.51 | $95.70 |
| 49 | $19.06 | $33.86 | $59.81 | $103.53 |
Ages 50-60
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 50 | $20.16 | $36.46 | $65.87 | $111.36 |
| 51 | $21.62 | $38.17 | $69.06 | $122.67 |
| 52 | $23.26 | $41.37 | $72.14 | $134.85 |
| 53 | $24.80 | $44.93 | $79.75 | $149.64 |
| 54 | $26.47 | $49.12 | $88.27 | $166.17 |
| 55 | $28.32 | $53.93 | $97.23 | $183.57 |
| 56 | $30.39 | $58.50 | $106.43 | $201.44 |
| 57 | $32.03 | $63.06 | $115.60 | $219.24 |
| 58 | $33.95 | $68.55 | $128.55 | $244.38 |
| 59 | $37.15 | $76.31 | $142.93 | $272.31 |
| 60 | $42.26 | $90.37 | $173.03 | $301.02 |
*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
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 | $1,000,000 |
|---|---|---|---|---|
| 18 | $12.96 | $21.53 | $33.06 | $55.00 |
| 19 | $12.96 | $21.53 | $33.06 | $55.00 |
| 20 | $12.96 | $21.53 | $33.06 | $55.00 |
| 21 | $12.96 | $21.53 | $33.06 | $55.00 |
| 22 | $12.96 | $21.53 | $33.06 | $55.00 |
| 23 | $12.96 | $21.53 | $33.06 | $55.00 |
| 24 | $12.96 | $21.53 | $33.06 | $55.00 |
| 25 | $12.96 | $21.53 | $33.06 | $55.00 |
| 26 | $12.96 | $21.75 | $33.50 | $56.35 |
| 27 | $13.05 | $21.75 | $33.50 | $57.42 |
| 28 | $13.14 | $21.97 | $33.76 | $59.16 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 29 | $13.22 | $22.19 | $33.84 | $60.03 |
| 30 | $13.31 | $22.62 | $34.28 | $61.77 |
| 31 | $13.40 | $22.84 | $35.15 | $63.51 |
| 32 | $13.57 | $23.27 | $36.02 | $64.38 |
| 33 | $13.83 | $23.36 | $36.89 | $66.12 |
| 34 | $14.18 | $23.38 | $38.19 | $67.86 |
| 35 | $14.70 | $23.64 | $39.50 | $70.82 |
| 36 | $16.50 | $26.20 | $43.37 | $76.04 |
| 37 | $17.33 | $27.59 | $46.06 | $82.77 |
| 38 | $18.42 | $29.90 | $50.63 | $90.48 |
| 39 | $19.43 | $31.60 | $54.21 | $97.44 |
Ages 40-50
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 40 | $20.52 | $33.12 | $57.26 | $103.53 |
| 41 | $21.80 | $36.67 | $64.07 | $115.71 |
| 42 | $23.36 | $40.13 | $70.79 | $127.89 |
| 43 | $25.09 | $42.57 | $76.17 | $137.91 |
| 44 | $26.59 | $46.49 | $82.89 | $149.99 |
| 45 | $26.59 | $50.87 | $90.51 | $164.34 |
| 46 | $28.62 | $55.02 | $98.30 | $179.57 |
| 47 | $30.93 | $59.63 | $106.14 | $196.10 |
| 48 | $33.51 | $65.40 | $116.85 | $216.11 |
| 49 | $36.46 | $71.25 | $129.44 | $236.99 |
| 50 | $39.78 | $77.94 | $141.99 | $258.39 |
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 | $1,000,000 |
|---|---|---|---|---|
| 18 | $11.92 | $18.49 | $26.97 | $48.72 |
| 19 | $11.92 | $18.49 | $26.97 | $48.72 |
| 20 | $11.92 | $18.49 | $26.97 | $48.72 |
| 21 | $11.92 | $18.49 | $26.97 | $48.72 |
| 22 | $11.92 | $18.49 | $26.97 | $48.72 |
| 23 | $11.92 | $18.71 | $26.97 | $48.72 |
| 24 | $11.92 | $18.71 | $26.97 | $48.72 |
| 25 | $11.92 | $18.71 | $26.97 | $48.72 |
| 26 | $12.09 | $18.92 | $27.41 | $49.59 |
| 27 | $12.27 | $19.36 | $27.41 | $49.59 |
| 28 | $12.44 | $19.58 | $27.84 | $50.46 |
Ages 29-39
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 29 | $12.62 | $20.01 | $28.28 | $51.33 |
| 30 | $12.88 | $20.45 | $28.62 | $52.03 |
| 31 | $13.05 | $20.88 | $29.49 | $53.77 |
| 32 | $13.31 | $21.32 | $30.36 | $55.51 |
| 33 | $13.57 | $21.75 | $31.23 | $57.24 |
| 34 | $13.83 | $22.40 | $32.10 | $58.98 |
| 35 | $14.18 | $23.27 | $33.41 | $61.60 |
| 36 | $15.68 | $25.08 | $36.20 | $65.07 |
| 37 | $16.23 | $25.11 | $38.44 | $69.42 |
| 38 | $16.87 | $25.13 | $41.22 | $74.82 |
| 39 | $17.51 | $26.34 | $43.91 | $80.04 |
Ages 40-50
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 40 | $18.15 | $27.61 | $46.51 | $85.09 |
| 41 | $18.70 | $29.56 | $50.40 | $92.65 |
| 42 | $19.61 | $31.68 | $54.21 | $100.05 |
| 43 | $20.62 | $33.97 | $58.16 | $107.71 |
| 44 | $21.24 | $36.71 | $63.43 | $117.95 |
| 45 | $21.25 | $40.23 | $68.46 | $127.72 |
| 46 | $22.90 | $43.49 | $73.84 | $138.16 |
| 47 | $24.63 | $46.77 | $80.11 | $150.33 |
| 48 | $26.92 | $50.42 | $87.73 | $165.12 |
| 49 | $29.29 | $54.67 | $96.33 | $181.83 |
| 50 | $31.94 | $59.64 | $105.66 | $199.95 |
*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 | $400,000 |
|---|---|---|---|---|
| 16 | $35.63 | $71.26 | $93.10 | $124.13 |
| 17 | $35.65 | $71.30 | $93.15 | $124.20 |
| 18 | $35.67 | $71.34 | $93.18 | $124.24 |
| 19 | $35.68 | $71.36 | $93.23 | $124.31 |
| 20 | $35.70 | $71.40 | $93.27 | $124.36 |
| 21 | $35.72 | $71.44 | $93.32 | $124.42 |
| 22 | $35.73 | $71.46 | $93.35 | $124.47 |
| 23 | $35.75 | $71.50 | $93.40 | $124.53 |
| 24 | $35.76 | $71.52 | $93.44 | $124.58 |
| 25 | $35.78 | $71.56 | $93.48 | $124.64 |
| 26 | $37.63 | $75.26 | $98.24 | $130.98 |
| 27 | $39.40 | $78.80 | $102.81 | $137.08 |
| 28 | $41.11 | $82.22 | $107.22 | $142.96 |
| 29 | $42.75 | $85.50 | $111.50 | $148.66 |
Ages 29-39
| Age | $100,000 | $200,000 | $300,000 | $400,000 |
|---|---|---|---|---|
| 30 | $44.34 | $88.68 | $115.62 | $159.51 |
| 31 | $45.88 | $91.76 | $119.63 | $164.69 |
| 32 | $47.37 | $94.74 | $123.52 | $169.73 |
| 33 | $48.81 | $97.62 | $127.30 | $174.61 |
| 34 | $50.21 | $100.42 | $130.96 | $179.38 |
| 35 | $51.57 | $103.14 | $134.52 | $190.40 |
| 36 | $53.96 | $107.92 | $142.80 | $200.98 |
| 37 | $56.28 | $112.56 | $150.74 | $211.17 |
| 38 | $58.53 | $117.06 | $158.38 | $221.01 |
| 39 | $60.72 | $121.44 | $165.76 | $230.52 |
Ages 40-49
| Age | $100,000 | $200,000 | $300,000 | $400,000 |
|---|---|---|---|---|
| 40 | $62.84 | $125.68 | $172.89 | $239.72 |
| 41 | $64.91 | $129.82 | $179.79 | $239.72 |
| 42 | $66.92 | $133.84 | $186.47 | $248.63 |
| 43 | $68.88 | $137.76 | $192.96 | $257.28 |
| 44 | $70.80 | $141.60 | $199.26 | $265.68 |
| 45 | $72.66 | $145.32 | $205.37 | $273.83 |
| 46 | $79.20 | $158.40 | $222.54 | $296.72 |
| 47 | $85.38 | $170.76 | $238.79 | $318.39 |
| 48 | $91.26 | $182.52 | $254.32 | $339.09 |
| 49 | $96.86 | $193.72 | $269.20 | $358.93 |
Ages 50-59
| Age | $100,000 | $200,000 | $300,000 | $400,000 |
|---|---|---|---|---|
| 50 | $102.22 | $204.44 | $283.48 | $377.97 |
| 51 | $102.57 | $205.14 | $283.78 | $378.37 |
| 52 | $107.32 | $214.64 | $296.52 | $395.36 |
| 53 | $111.89 | $223.78 | $308.82 | $411.76 |
| 54 | $116.30 | $232.60 | $320.72 | $427.62 |
| 55 | $120.57 | $241.14 | $332.21 | $442.95 |
| 56 | $131.47 | $262.94 | $362.26 | $483.01 |
| 57 | $141.79 | $283.58 | $390.68 | $520.90 |
| 58 | $151.61 | $303.22 | $417.77 | $557.06 |
| 59 | $160.99 | $321.98 | $443.67 | $591.56 |
Ages 60-65
| Age | $100,000 | $200,000 | $300,000 | $400,000 |
|---|---|---|---|---|
| 60 | $169.95 | $339.90 | $468.50 | $624.66 |
| 61 | $175.11 | $350.22 | $482.75 | $643.67 |
| 62 | $183.23 | $366.46 | $505.31 | $673.75 |
| 63 | $191.05 | $382.10 | $527.04 | $702.72 |
| 64 | $198.60 | $397.20 | $548.03 | $730.71 |
| 65 | $205.89 | $411.78 | $568.35 | $757.80 |
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 | $400,000 |
|---|---|---|---|---|
| 16 | $31.61 | $63.22 | $80.99 | $107.99 |
| 17 | $31.63 | $63.26 | $81.03 | $108.04 |
| 18 | $31.64 | $63.28 | $81.06 | $108.08 |
| 19 | $31.66 | $63.32 | $81.10 | $108.13 |
| 20 | $31.67 | $63.34 | $81.15 | $108.20 |
| 21 | $31.69 | $63.38 | $81.18 | $108.24 |
| 22 | $31.70 | $63.40 | $81.22 | $108.29 |
| 23 | $31.72 | $63.44 | $81.26 | $108.34 |
| 24 | $31.73 | $63.46 | $81.29 | $108.39 |
| 25 | $31.74 | $63.48 | $81.33 | $108.44 |
| 26 | $32.98 | $65.96 | $85.53 | $114.04 |
| 27 | $34.18 | $68.36 | $89.56 | $119.41 |
| 28 | $35.34 | $70.68 | $93.44 | $124.58 |
Ages 29-39
| Age | $100,000 | $200,000 | $300,000 | $400,000 |
|---|---|---|---|---|
| 29 | $36.47 | $72.94 | $97.18 | $129.57 |
| 30 | $37.56 | $75.12 | $100.80 | $134.40 |
| 31 | $38.63 | $77.26 | $104.31 | $139.08 |
| 32 | $39.66 | $79.32 | $107.70 | $143.60 |
| 33 | $40.68 | $81.36 | $111.00 | $148.00 |
| 34 | $41.66 | $83.32 | $114.22 | $152.29 |
| 35 | $42.63 | $85.26 | $117.35 | $156.47 |
| 36 | $44.93 | $89.86 | $123.05 | $164.07 |
| 37 | $47.15 | $94.30 | $128.52 | $171.36 |
| 38 | $49.28 | $98.56 | $133.82 | $178.42 |
| 39 | $51.34 | $102.68 | $138.95 | $185.27 |
Ages 40-49
| Age | $100,000 | $200,000 | $300,000 | $400,000 |
|---|---|---|---|---|
| 40 | $53.34 | $106.68 | $143.94 | $191.92 |
| 41 | $55.27 | $110.54 | $148.80 | $198.40 |
| 42 | $57.15 | $114.30 | $153.52 | $204.69 |
| 43 | $58.97 | $117.94 | $158.13 | $210.84 |
| 44 | $60.75 | $121.50 | $162.62 | $216.82 |
| 45 | $62.48 | $124.96 | $166.97 | $222.63 |
| 46 | $67.41 | $134.82 | $181.30 | $241.73 |
| 47 | $72.03 | $144.03 | $194.56 | $259.41 |
| 48 | $76.42 | $152.84 | $207.12 | $276.16 |
| 49 | $80.61 | $161.22 | $219.10 | $292.13 |
Ages 50-59
| Age | $100,000 | $200,000 | $300,000 | $400,000 |
|---|---|---|---|---|
| 50 | $84.61 | $169.22 | $230.54 | $307.38 |
| 51 | $86.39 | $172.78 | $235.80 | $314.40 |
| 52 | $90.01 | $180.02 | $246.11 | $328.15 |
| 53 | $93.50 | $187.00 | $256.06 | $341.41 |
| 54 | $96.87 | $193.74 | $265.65 | $354.20 |
| 55 | $100.12 | $200.24 | $274.90 | $366.53 |
| 56 | $109.33 | $218.66 | $302.66 | $403.54 |
| 57 | $117.93 | $235.86 | $328.28 | $437.70 |
| 58 | $126.05 | $252.10 | $352.42 | $469.89 |
| 59 | $133.76 | $267.52 | $375.27 | $500.36 |
Ages 60-65
| Age | $100,000 | $200,000 | $300,000 | $400,000 |
|---|---|---|---|---|
| 60 | $141.11 | $282.22 | $397.01 | $529.35 |
| 61 | $142.29 | $284.58 | $401.12 | $534.82 |
| 62 | $148.81 | $297.62 | $420.34 | $560.45 |
| 63 | $155.08 | $310.16 | $438.81 | $585.08 |
| 64 | $161.13 | $322.26 | $456.60 | $608.80 |
| 65 | $166.98 | $333.96 | $473.78 | $631.70 |
*Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
Last Updated May 17th, 2019