Term Life Insurance Rates by Age
Trying to find life insurance rates online can be like walking through a minefield. One wrong move and your phone and email inbox are blowing up with aggressive agents.
So what can you do?
Check Your Life Insurance Rate
Our life insurance quote tool will generate term life insurance rates in your state to compare. Let's get started.
Life insurance rates are estimations based on basic information provided by you. They are not firm offers. To get the most accurate rate, click apply and complete a quote with a company directly.
What Determines My Life Insurance Rate?
Life insurance rates are calculated by factoring in your age, gender, height, weight, and overall health.
The rate charts on this page 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. We recommend you use the comparison tool on this page to get a quote.
Once you are ok with the life insurance quote, click "apply" to get started. Once you begin the application, there will be health 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.
Term Life Insurance Calculator
Use the term coverage calculator to determine how much coverage to get. A good rule of thumb is at least 7 to 10 times your annual income in life insurance coverage.
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.
Pick a Term Length
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 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.
Compare Term Life Insurance Rates by Age
Here are sample term life insurance rates by age to use for comparison purposes. The rates are broken up by term length, gender, age and coverage amounts. We recommend you use our comparison tool which will allow you to compare actual rates from the best life insurance companies.
Our research shows that Americans have no idea how much term life insurance should cost. We asked 2,000 people to guess the price of life insurance which resulted in 96% of people guessing nowhere close to the actual price.
Average Cost of Life Insurance - How Much Does Term Life Insurance Cost?
Term life insurance can cost as low as $10 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's important to note that 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. If you are older you can expect the rates to be higher. Use our comparison tool for a personalized quote. The prices listed above are for term life insurance products.
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 | $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 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 18-28
| 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 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 | $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 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 | $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 August 23rd, 2019