Getting a life insurance quote online can often result in being bombarded by calls or emails from aggressive agents seeking a commission. That is why we have decided to publish sample life insurance rates by age and gender to help our customers make an informed decision.
We have assembled various term life insurance rates by age below for you to get an estimate of what it will cost based on term length, coverage amount, and age. We present rates for no exam life insurance policies as well as policies that do require an exam.
Should you find these rates to be satisfactory, please call 888-407-0714 to speak with a licensed agent. You can apply for these insurance products online or over the phone in just a few minutes.
How Much Coverage Do You Need?
The answer to this question varies based on a multitude of factors. Generally speaking, you want at least 7 to 10 times your annual income. However, you must consider the size of your family and their needs in the future as well.
Cost of Term Life Insurance
| 10 Year Term | 20 Year Term | 30 Year Term |
|---|---|---|
| From $14/mo* | From $15/mo* | From $22/mo* |
| $168 per year | $180 per year | $264 per year |
| $250,000 of Coverage | $250,000 of Coverage | $250,000 of Coverage |
| Apply Now | Apply Now | Apply Now |
Rates do not increase over the term period of the policy.
* The above term rates are for a healthy 18 year old male. If you are older you can expect the rates to be higher. For a more accurate quote, click here. The prices listed below are for term life insurance products.
10 Year Term Life Insurance Quotes
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.
[expand title=”18-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-49 Years Old”]
| 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 |
[expand title=”50-59 Years Old”]
| 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 |
[expand title=”60-69 Years Old”]
| 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 |
[expand title=”70-74 Years Old”]
| 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.
[expand title=”18-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-49 Years Old”]
| 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 |
[expand title=”50-59 Years Old”]
| 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 |
[expand title=”60-69 Years Old”]
| 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 |
[expand title=”70-74 Years Old”]
| 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. Valid as of 10/19/16. The above quotes are for a non-smoker in excellent health and are subject to changes.
15 Year Term Life Insurance Quotes
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.
[expand title=”18-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-49 Years Old”]
| 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 |
[expand title=”50-59 Years Old”]
| 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 |
[expand title=”60-65 Years Old”]
| 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.
[expand title=”18-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-49 Years Old”]
| 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 |
[expand title=”50-59 Years Old”]
| 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 |
[expand title=”60-65 Years Old”]
| 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. Valid as of 10/19/16. The above quotes are for a non-smoker in excellent health and are subject to changes.
20 Year Term Life Insurance Quotes
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.
[expand title=”18-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-49 Years Old”]
| 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 |
[expand title=”50-60 Years Old”]
| 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.
[expand title=”18-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-49 Years Old”]
| 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 |
[expand title=”50-60 Years Old”]
| 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. Valid as of 10/19/16. The above quotes are for a non-smoker in excellent health and are subject to changes.
30 Year Term Life Insurance Quotes
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.
[expand title=”18-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-50 Years Old”]
| 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.
[expand title=”18-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-50 Years Old”]
| 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. Valid as of 10/19/16. 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.
[expand title=”16-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-49 Years Old”]
| 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 |
[expand title=”50-59 Years Old”]
| 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 |
[expand title=”60-65 Years Old”]
| 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.
[expand title=”16-28 Years Old”]
| 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 |
[expand title=”29-39 Years Old”]
| 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 |
[expand title=”40-49 Years Old”]
| 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 |
[expand title=”50-59 Years Old”]
| 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 |
[expand title=”60-65 Years Old”]
| 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. Valid as of 10/19/16. The above quotes are for a non-smoker in excellent health and are subject to changes.
Jon Fritz is a licensed life insurance agent at NoExam.com. Please see our complete guide to life insurance rates and learn how to choose the best life insurance policy.
Life Insurance Rates By Age by Jon Fritz
