Life insurance rates are heavily influenced by age. The older you are, the higher the rate. If you are curious about how much life insurance will cost for someone your age, use the tool below to quickly show sample life insurance rates from seven companies.
Below are sample term life insurance rates by age for comparison purposes. The rates are broken up by term length, gender, age, and coverage amounts. We recommend you use this comparison tool to compare actual rates from the best life insurance companies.
A 10-year term policy usually has the lowest rate. It will offer a level premium for 10 years. Once the initial 10 years are up, the premium will rise annually if the policy is renewable.
| Age | $100,000 | $250,000 | $500,000 |
|---|
| 18 | $9.41 | $13.92 | $18.27 |
| 19 | $9.41 | $13.92 | $18.27 |
| 20 | $9.41 | $13.92 | $18.27 |
| 21 | $9.41 | $13.92 | $18.27 |
| 22 | $9.41 | $13.92 | $18.27 |
| 23 | $9.41 | $13.92 | $18.27 |
| 24 | $9.41 | $13.92 | $18.27 |
| 25 | $9.41 | $13.92 | $18.27 |
| 26 | $9.41 | $13.92 | $18.27 |
| 27 | $9.41 | $13.92 | $18.27 |
| 28 | $9.41 | $13.92 | $18.27 |
| 29 | $9.45 | $13.92 | $18.27 |
| 30 | $9.45 | $13.92 | $18.27 |
| 31 | $9.45 | $13.92 | $18.27 |
| 32 | $9.45 | $13.92 | $18.27 |
| 33 | $9.45 | $13.92 | $18.27 |
| 34 | $9.45 | $13.92 | $18.27 |
| 35 | $9.45 | $13.92 | $18.27 |
| 36 | $10.02 | $15.11 | $19.71 |
| 37 | $10.11 | $15.33 | $21.06 |
| 38 | $10.29 | $15.56 | $22.36 |
| 39 | $10.48 | $15.79 | $23.50 |
| 40 | $10.75 | $16.25 | $23.75 |
| 41 | $11.02 | $16.70 | $24.34 |
| 42 | $11.39 | $17.85 | $25.41 |
| 43 | $12.12 | $19.44 | $25.54 |
| 44 | $12.94 | $21.04 | $27.56 |
| 45 | $13.76 | $22.64 | $29.39 |
| 46 | $13.76 | $22.64 | $29.39 |
| 47 | $15.41 | $26.07 | $35.40 |
| 48 | $16.23 | $26.60 | $38.53 |
| 49 | $17.05 | $27.13 | $41.67 |
| 50 | $17.87 | $27.67 | $45.70 |
| 51 | $18.70 | $29.95 | $50.63 |
| 52 | $19.61 | $32.46 | $56.01 |
| 53 | $20.62 | $35.43 | $61.74 |
| 54 | $21.80 | $38.63 | $68.01 |
| 55 | $23.36 | $42.28 | $74.56 |
| 56 | $25.27 | $45.94 | $81.90 |
| 57 | $27.56 | $50.05 | $90.51 |
| 58 | $30.12 | $56.21 | $99.02 |
| 59 | $33.04 | $61.69 | $109.32 |
| 60 | $36.14 | $68.32 | $127.32 |
| 61 | $37.94 | $71.91 | $131.81 |
| 62 | $41.77 | $79.52 | $147.90 |
| 63 | $46.03 | $87.78 | $165.30 |
| 64 | $50.73 | $98.88 | $185.75 |
| 65 | $56.04 | $109.10 | $207.50 |
| 66 | $61.52 | $122.15 | $230.12 |
| 67 | $67.70 | $136.72 | $254.48 |
| 68 | $74.66 | $153.47 | $281.88 |
| 69 | $82.58 | $172.61 | $314.94 |
| 70 | $91.88 | $195.01 | $355.40 |
| 71 | $102.15 | $219.81 | $401.51 |
| 72 | $112.85 | $246.34 | $451.97 |
| 73 | $125.12 | $276.79 | $510.26 |
| 74 | $140.78 | $313.98 | $586.82 |
| Age | $100,000 | $250,000 | $500,000 |
|---|
| 18 | $8.04 | $10.34 | $13.05 |
| 19 | $8.04 | $10.34 | $13.05 |
| 20 | $8.04 | $10.34 | $13.05 |
| 21 | $8.04 | $10.34 | $13.05 |
| 22 | $8.04 | $10.34 | $13.05 |
| 23 | $8.04 | $10.34 | $13.05 |
| 24 | $8.04 | $10.34 | $13.05 |
| 25 | $8.04 | $10.34 | $13.05 |
| 26 | $8.04 | $10.34 | $13.05 |
| 27 | $8.06 | $10.34 | $13.05 |
| 28 | $8.08 | $10.34 | $13.05 |
| 29 | $8.08 | $10.34 | $13.05 |
| 30 | $8.10 | $10.34 | $13.05 |
| 31 | $8.10 | $10.34 | $13.05 |
| 32 | $8.10 | $10.47 | $13.05 |
| 33 | $8.10 | $10.61 | $13.49 |
| 34 | $8.21 | $10.73 | $13.49 |
| 35 | $8.22 | $10.98 | $13.92 |
| 36 | $8.74 | $11.68 | $14.79 |
| 37 | $8.92 | $12.14 | $15.23 |
| 38 | $9.20 | $12.59 | $15.68 |
| 39 | $9.56 | $13.05 | $16.58 |
| 40 | $9.93 | $13.96 | $17.70 |
| 41 | $10.48 | $15.11 | $19.04 |
| 42 | $11.21 | $16.48 | $20.83 |
| 43 | $11.85 | $16.89 | $22.59 |
| 44 | $12.58 | $16.91 | $25.09 |
| 45 | $13.22 | $16.93 | $26.66 |
| 46 | $13.76 | $17.98 | $28.59 |
| 47 | $14.31 | $18.99 | $30.82 |
| 48 | $14.86 | $20.13 | $33.15 |
| 49 | $15.32 | $21.50 | $35.40 |
| 50 | $15.87 | $22.87 | $38.08 |
| 51 | $16.41 | $24.47 | $40.77 |
| 52 | $16.87 | $26.07 | $43.91 |
| 53 | $17.33 | $27.89 | $47.94 |
| 54 | $17.97 | $29.95 | $51.88 |
| 55 | $18.97 | $32.23 | $55.78 |
| 56 | $20.07 | $34.29 | $59.50 |
| 57 | $21.25 | $36.34 | $62.28 |
| 58 | $22.72 | $38.86 | $65.86 |
| 59 | $24.63 | $42.74 | $71.69 |
| 60 | $27.47 | $48.22 | $83.13 |
| 61 | $28.46 | $52.11 | $86.94 |
| 62 | $30.77 | $62.99 | $111.80 |
| 63 | $40.21 | $75.17 | $133.55 |
| 64 | $46.03 | $86.65 | $156.60 |
| 65 | $51.86 | $99.31 | $180.09 |
| 66 | $57.52 | $111.06 | $202.28 |
| 67 | $63.44 | $123.45 | $224.90 |
| 68 | $69.61 | $136.50 | $249.26 |
| 69 | $76.49 | $151.73 | $278.40 |
| 70 | $84.14 | $169.78 | $314.51 |
| 71 | $92.49 | $191.10 | $357.57 |
| 72 | $101.19 | $214.59 | $407.60 |
| 73 | $110.94/td> | $241.56 | $464.58 |
| 74 | $122.25 | $272.66 | $528.96 |
* Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
* Pricing samples above are rates based on a 10-year term for a healthy non-smoking male with a Preferred Plus rating.
A 15-year term policy will offer a level premium for 15 years. Once the initial 15 years are up, the premium will rise annually if the policy is renewable.
| Age | $100,000 | $250,000 | $500,000 |
|---|
| 18 | $9.50 | $14.14 | $19.14 |
| 19 | $9.50 | $14.14 | $19.14 |
| 20 | $9.50 | $14.14 | $19.14 |
| 21 | $9.50 | $14.14 | $19.14 |
| 22 | $9.50 | $14.14 | $19.14 |
| 23 | $9.50 | $14.14 | $19.14 |
| 24 | $9.50 | $14.14 | $19.14 |
| 25 | $9.50 | $14.14 | $19.14 |
| 26 | $9.50 | $14.14 | $19.14 |
| 27 | $9.50 | $14.14 | $19.14 |
| 28 | $9.50 | $14.14 | $19.14 |
| 29 | $9.50 | $14.14 | $19.14 |
| 30 | $9.50 | $14.14 | $19.14 |
| 31 | $9.50 | $14.14 | $19.14 |
| 32 | $9.50 | $14.14 | $19.58 |
| 33 | $9.50 | $14.14 | $19.58 |
| 34 | $9.50 | $14.14 | $20.01 |
| 35 | $9.50 | $14.14 | $20.45 |
| 36 | $10.11 | $15.33 | $22.36 |
| 37 | $10.20 | $15.56 | $22.40 |
| 38 | $10.48 | $16.25 | $22.40 |
| 39 | $10.75 | $16.93 | $25.26 |
| 40 | $11.30 | $17.85 | $27.67 |
| 41 | $12.03 | $19.22 | $29.57 |
| 42 | $12.85 | $20.81 | $30.97 |
| 43 | $13.40 | $22.64 | $33.42 |
| 44 | $14.40 | $24.45 | $37.77 |
| 45 | $15.41 | $24.47 | $41.93 |
| 46 | $16.41 | $26.66 | $45.13 |
| 47 | $17.51 | $28.49 | $48.78 |
| 48 | $18.61 | $30.63 | $53.35 |
| 49 | $19.79 | $33.27 | $59.57 |
| 50 | $21.07 | $37.31 | $67.62 |
| 51 | $22.44 | $39.79 | $72.44 |
| 52 | $23.90 | $43.14 | $78.86 |
| 53 | $25.64 | $46.97 | $86.51 |
| 54 | $27.47 | $51.93 | $96.46 |
| 55 | $28.96 | $60.81 | $113.69 |
| 56 | $31.15 | $66.81 | $124.24 |
| 57 | $34.41 | $73.86 | $136.76 |
| 58 | $38.02 | $81.95 | $151.38 |
| 59 | $42.17 | $91.09 | $168.08 |
| 60 | $47.63 | $105.29 | $196.29 |
| 61 | $46.30 | $106.05 | $176.61 |
| 62 | $51.43 | $106.49 | $199.23 |
| 63 | $57.43 | $119.00 | $224.90 |
| 64 | $64.04 | $134.09 | $254.48 |
| 65 | $71.96 | $151.84 | $291.45 |
| Age | $100,000 | $250,000 | $500,000 |
|---|
| 18 | $8.51 | $11.65 | $15.66 |
| 19 | $8.51 | $11.65 | $15.66 |
| 20 | $8.51 | $11.65 | $15.66 |
| 21 | $8.51 | $11.65 | $15.66 |
| 22 | $8.51 | $11.65 | $15.66 |
| 23 | $8.51 | $11.65 | $15.66 |
| 24 | $8.51 | $11.65 | $15.66 |
| 25 | $8.51 | $11.65 | $15.66 |
| 26 | $8.51 | $11.65 | $15.66 |
| 27 | $8.51 | $11.65 | $15.66 |
| 28 | $8.51 | $11.65 | $15.66 |
| 29 | $8.51 | $11.65 | $15.66 |
| 30 | $8.51 | $11.65 | $15.66 |
| 31 | $8.51 | $11.65 | $15.66 |
| 32 | $8.51 | $11.65 | $15.66 |
| 33 | $8.59 | $11.88 | $16.10 |
| 34 | $8.59 | $11.88 | $16.10 |
| 35 | $8.68 | $12.10 | $16.53 |
| 36 | $9.20 | $12.59 | $17.92 |
| 37 | $9.56 | $13.28 | $18.37 |
| 38 | $9.93 | $13.96 | $19.27 |
| 39 | $10.29 | $14.88 | $20.52 |
| 40 | $10.75 | $15.79 | $22.46 |
| 41 | $11.21 | $16.70 | $24.34 |
| 42 | $11.75 | $17.85 | $26.68 |
| 43 | $12.30 | $19.22 | $29.03 |
| 44 | $12.94 | $19.79 | $31.85 |
| 45 | $13.58 | $19.81 | $33.11 |
| 46 | $14.22 | $21.27 | $35.96 |
| 47 | $14.95 | $22.41 | $38.27 |
| 48 | $15.68 | $24.01 | $41.50 |
| 49 | $16.41 | $26.49 | $45.10 |
| 50 | $17.33 | $29.35 | $51.08 |
| 51 | $18.33 | $31.60 | $52.63 |
| 52 | $19.43 | $33.60 | $56.46 |
| 53 | $19.88 | $35.35 | $63.03 |
| 54 | $21.07 | $38.69 | $69.81 |
| 55 | $22.53 | $42.41 | $76.73 |
| 56 | $24.18 | $45.93 | $83.52 |
| 57 | $25.18 | $49.59 | $89.78 |
| 58 | $26.55 | $54.03 | $97.61 |
| 59 | $28.74 | $60.55 | $109.10 |
| 60 | $32.31 | $69.28 | $124.24 |
| 61 | $36.38 | $68.64 | $121.37 |
| 62 | $43.08 | $79.08 | $143.99 |
| 63 | $50.99 | $93.00 | $164.00 |
| 64 | $59.61 | $109.32 | $183.57 |
| 65 | $67.96 | $126.06 | $204.45 |
* Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
* Pricing samples above are rates based on a 15-year term for a healthy non-smoking male with a Preferred Plus rating.
A 20-year term policy will offer a level premium for 20 years. Once the initial 20 years are up, the premium will rise annually if the policy is renewable.
| Age | $100,000 | $250,000 | $500,000 |
|---|
| 18 | $9.92 | $14.57 | $20.88 |
| 19 | $9.92 | $14.57 | $20.88 |
| 20 | $9.92 | $14.57 | $20.88 |
| 21 | $9.92 | $14.57 | $20.88 |
| 22 | $9.92 | $14.57 | $20.88 |
| 23 | $9.92 | $14.57 | $20.88 |
| 24 | $9.92 | $14.57 | $20.88 |
| 25 | $9.92 | $14.57 | $20.88 |
| 26 | $9.92 | $14.57 | $20.88 |
| 27 | $9.92 | $14.57 | $20.88 |
| 28 | $9.92 | $14.57 | $20.88 |
| 29 | $9.92 | $14.57 | $20.88 |
| 30 | $9.92 | $14.79 | $21.32 |
| 31 | $9.92 | $14.79 | $22.19 |
| 32 | $9.92 | $14.79 | $22.19 |
| 33 | $9.92 | $15.09 | $22.33 |
| 34 | $9.92 | $15.16 | $22.38 |
| 35 | $10.41 | $16.29 | $25.91 |
| 36 | $11.21 | $16.93 | $26.70 |
| 37 | $11.57 | $18.07 | $28.65 |
| 38 | $11.94 | $19.22 | $31.18 |
| 39 | $12.39 | $19.94 | $33.13 |
| 40 | $12.67 | $21.67 | $36.92 |
| 41 | $13.86 | $23.84 | $39.14 |
| 42 | $14.86 | $26.00 | $42.97 |
| 43 | $15.96 | $28.00 | $46.32 |
| 44 | $17.24 | $30.60 | $51.58 |
| 45 | $17.97 | $33.75 | $59.93 |
| 46 | $19.15 | $36.25 | $64.93 |
| 47 | $20.71 | $39.01 | $70.43 |
| 48 | $21.89 | $42.26 | $76.94 |
| 49 | $23.36 | $46.90 | $85.50 |
| 50 | $24.63 | $51.68 | $96.06 |
| 51 | $26.73 | $54.96 | $102.04 |
| 52 | $28.84 | $59.83 | $111.80 |
| 53 | $31.39 | $65.22 | $122.06 |
| 54 | $34.13 | $71.13 | $135.00 |
| 55 | $38.31 | $83.27 | $157.74 |
| 56 | $43.15 | $93.06 | $179.18 |
| 57 | $47.05 | $103.93 | $198.67 |
| 58 | $52.84 | $116.65 | $226.09 |
| 59 | $58.14 | $131.23 | $255.40 |
| 60 | $64.34 | $147.70 | $286.85 |
| Age | $100,000 | $250,000 | $500,000 |
|---|
| 18 | $9.05 | $13.09 | $18.71 |
| 19 | $9.05 | $13.09 | $18.71 |
| 20 | $9.05 | $13.09 | $18.71 |
| 21 | $9.05 | $13.09 | $18.71 |
| 22 | $9.05 | $13.09 | $18.71 |
| 23 | $9.05 | $13.09 | $18.71 |
| 24 | $9.05 | $13.09 | $18.71 |
| 25 | $9.05 | $13.09 | $18.71 |
| 26 | $9.05 | $13.09 | $18.71 |
| 27 | $9.05 | $13.09 | $18.71 |
| 28 | $9.05 | $13.09 | $18.71 |
| 29 | $9.14 | $13.31 | $19.14 |
| 30 | $9.14 | $13.31 | $19.14 |
| 31 | $9.14 | $13.31 | $19.14 |
| 32 | $9.23 | $13.40 | $19.49 |
| 33 | $9.23 | $13.40 | $19.49 |
| 34 | $9.32 | $13.49 | $19.49 |
| 35 | $9.50 | $13.99 | $21.58 |
| 36 | $10.38 | $15.33 | $22.92 |
| 37 | $10.75 | $16.02 | $24.21 |
| 38 | $11.11 | $16.93 | $25.84 |
| 39 | $11.66 | $17.85 | $27.75 |
| 40 | $12.12 | $18.99 | $29.67 |
| 41 | $12.67 | $20.13 | $32.06 |
| 42 | $13.22 | $21.50 | $35.41 |
| 43 | $13.86 | $23.33 | $38.18 |
| 44 | $14.49 | $24.93 | $42.01 |
| 45 | $15.32 | $25.94 | $44.98 |
| 46 | $16.23 | $27.83 | $48.71 |
| 47 | $17.14 | $29.49 | $51.68 |
| 48 | $18.24 | $31.70 | $55.51 |
| 49 | $19.06 | $33.86 | $59.81 |
| 50 | $20.16 | $36.46 | $65.87 |
| 51 | $21.62 | $38.17 | $69.06 |
| 52 | $23.26 | $41.37 | $72.14 |
| 53 | $24.80 | $44.93 | $79.75 |
| 54 | $26.47 | $49.12 | $88.27 |
| 55 | $28.32 | $53.93 | $97.23 |
| 56 | $30.39 | $58.50 | $106.43 |
| 57 | $32.03 | $63.06 | $115.60 |
| 58 | $33.95 | $68.55 | $128.55 |
| 59 | $37.15 | $76.31 | $142.93 |
| 60 | $42.26 | $90.37 | $173.03 |
* Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
* Pricing samples above are rates based on a 20-year term for a healthy non-smoking male with a Preferred Plus rating.
A 30-year term policy will offer a level premium for 30 years. Once the initial 30 years are up, the premium will rise annually if the policy is renewable.
| Age | $100,000 | $250,000 | $500,000 |
|---|
| 18 | $12.96 | $21.53 | $33.06 |
| 19 | $12.96 | $21.53 | $33.06 |
| 20 | $12.96 | $21.53 | $33.06 |
| 21 | $12.96 | $21.53 | $33.06 |
| 22 | $12.96 | $21.53 | $33.06 |
| 23 | $12.96 | $21.53 | $33.06 |
| 24 | $12.96 | $21.53 | $33.06 |
| 25 | $12.96 | $21.53 | $33.06 |
| 26 | $12.96 | $21.75 | $33.50 |
| 27 | $13.05 | $21.75 | $33.50 |
| 28 | $13.14 | $21.97 | $33.76 |
| 29 | $13.22 | $22.19 | $33.84 |
| 30 | $13.31 | $22.62 | $34.28 |
| 31 | $13.40 | $22.84 | $35.15 |
| 32 | $13.57 | $23.27 | $36.02 |
| 33 | $13.83 | $23.36 | $36.89 |
| 34 | $14.18 | $23.38 | $38.19 |
| 35 | $14.70 | $23.64 | $39.50 |
| 36 | $16.50 | $26.20 | $43.37 |
| 37 | $17.33 | $27.59 | $46.06 |
| 38 | $18.42 | $29.90 | $50.63 |
| 39 | $19.43 | $31.60 | $54.21 |
| 40 | $20.52 | $33.12 | $57.26 |
| 41 | $21.80 | $36.67 | $64.07 |
| 42 | $23.36 | $40.13 | $70.79 |
| 43 | $25.09 | $42.57 | $76.17 |
| 44 | $26.59 | $46.49 | $82.89 |
| 45 | $26.59 | $50.87 | $90.51 |
| 46 | $28.62 | $55.02 | $98.30 |
| 47 | $30.93 | $59.63 | $106.14 |
| 48 | $33.51 | $65.40 | $116.85 |
| 49 | $36.46 | $71.25 | $129.44 |
| 50 | $39.78 | $77.94 | $141.99 |
| Age | $100,000 | $250,000 | $500,000 |
|---|
| 18 | $11.92 | $18.49 | $26.97 |
| 19 | $11.92 | $18.49 | $26.97 |
| 20 | $11.92 | $18.49 | $26.97 |
| 21 | $11.92 | $18.49 | $26.97 |
| 22 | $11.92 | $18.49 | $26.97 |
| 23 | $11.92 | $18.71 | $26.97 |
| 24 | $11.92 | $18.71 | $26.97 |
| 25 | $11.92 | $18.71 | $26.97 |
| 26 | $12.09 | $18.92 | $27.41 |
| 27 | $12.27 | $19.36 | $27.41 |
| 28 | $12.44 | $19.58 | $27.84 |
| 29 | $12.62 | $20.01 | $28.28 |
| 30 | $12.88 | $20.45 | $28.62 |
| 31 | $13.05 | $20.88 | $29.49 |
| 32 | $13.31 | $21.32 | $30.36 |
| 33 | $13.57 | $21.75 | $31.23 |
| 34 | $13.83 | $22.40 | $32.10 |
| 35 | $14.18 | $23.27 | $33.41 |
| 36 | $15.68 | $25.08 | $36.20 |
| 37 | $16.23 | $25.11 | $38.44 |
| 38 | $16.87 | $25.13 | $41.22 |
| 39 | $17.51 | $26.34 | $43.91 |
| 40 | $18.15 | $27.61 | $46.51 |
| 41 | $18.70 | $29.56 | $50.40 |
| 42 | $19.61 | $31.68 | $54.21 |
| 43 | $20.62 | $33.97 | $58.16 |
| 44 | $21.24 | $36.71 | $63.43 |
| 45 | $21.25 | $40.23 | $68.46 |
| 46 | $22.90 | $43.49 | $73.84 |
| 47 | $24.63 | $46.77 | $80.11 |
| 48 | $26.92 | $50.42 | $87.73 |
| 49 | $29.29 | $54.67 | $96.33 |
| 50 | $31.94 | $59.64 | $105.66 |
* Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
* Pricing samples above are rates based on a 30-year term for a healthy non-smoking male with a Preferred Plus rating.
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.
| Age | $100,000 | $200,000 | $300,000 |
|---|
| 18 | $35.67 | $71.34 | $93.18 |
| 19 | $35.68 | $71.36 | $93.23 |
| 20 | $35.70 | $71.40 | $93.27 |
| 21 | $35.72 | $71.44 | $93.32 |
| 22 | $35.73 | $71.46 | $93.35 |
| 23 | $35.75 | $71.50 | $93.40 |
| 24 | $35.76 | $71.52 | $93.44 |
| 25 | $35.78 | $71.56 | $93.48 |
| 26 | $37.63 | $75.26 | $98.24 |
| 27 | $39.40 | $78.80 | $102.81 |
| 28 | $41.11 | $82.22 | $107.22 |
| 29 | $42.75 | $85.50 | $111.50 |
| 30 | $44.34 | $88.68 | $115.62 |
| 31 | $45.88 | $91.76 | $119.63 |
| 32 | $47.37 | $94.74 | $123.52 |
| 33 | $48.81 | $97.62 | $127.30 |
| 34 | $50.21 | $100.42 | $130.96 |
| 35 | $51.57 | $103.14 | $134.52 |
| 36 | $53.96 | $107.92 | $142.80 |
| 37 | $56.28 | $112.56 | $150.74 |
| 38 | $58.53 | $117.06 | $158.38 |
| 39 | $60.72 | $121.44 | $165.76 |
| 40 | $62.84 | $125.68 | $172.89 |
| 41 | $64.91 | $129.82 | $179.79 |
| 42 | $66.92 | $133.84 | $186.47 |
| 43 | $68.88 | $137.76 | $192.96 |
| 44 | $70.80 | $141.60 | $199.26 |
| 45 | $72.66 | $145.32 | $205.37 |
| 46 | $79.20 | $158.40 | $222.54 |
| 47 | $85.38 | $170.76 | $238.79 |
| 48 | $91.26 | $182.52 | $254.32 |
| 49 | $96.86 | $193.72 | $269.20 |
| 50 | $102.22 | $204.44 | $283.48 |
| 51 | $102.57 | $205.14 | $283.78 |
| 52 | $107.32 | $214.64 | $296.52 |
| 53 | $111.89 | $223.78 | $308.82 |
| 54 | $116.30 | $232.60 | $320.72 |
| 55 | $120.57 | $241.14 | $332.21 |
| 56 | $131.47 | $262.94 | $362.26 |
| 57 | $141.79 | $283.58 | $390.68 |
| 58 | $151.61 | $303.22 | $417.77 |
| 59 | $160.99 | $321.98 | $443.67 |
| 60 | $169.95 | $339.90 | $468.50 |
| 61 | $175.11 | $350.22 | $482.75 |
| 62 | $183.23 | $366.46 | $505.31 |
| 63 | $191.05 | $382.10 | $527.31 |
| 64 | $198.60 | $397.20 | $548.03 |
| 65 | $205.89 | $411.78 | $568.35 |
| Age | $100,000 | $200,000 | $300,000 |
|---|
| 18 | $31.64 | $63.28 | $81.06 |
| 19 | $31.66 | $63.32 | $81.10 |
| 20 | $31.67 | $63.34 | $81.15 |
| 21 | $31.69 | $63.38 | $81.18 |
| 22 | $31.70 | $63.40 | $81.22 |
| 23 | $31.72 | $63.44 | $81.26 |
| 24 | $31.73 | $63.46 | $81.29 |
| 25 | $31.74 | $63.48 | $81.33 |
| 26 | $32.98 | $65.96 | $85.53 |
| 27 | $34.18 | $68.36 | $89.56 |
| 28 | $35.34 | $70.68 | $93.44 |
| 29 | $36.47 | $72.94 | $97.18 |
| 30 | $37.56 | $75.12 | $100.80 |
| 31 | $38.63 | $77.26 | $104.31 |
| 32 | $39.66 | $79.32 | $107.70 |
| 33 | $40.68 | $81.36 | $111.00 |
| 34 | $41.66 | $83.32 | $114.22 |
| 35 | $42.63 | $85.26 | $117.35 |
| 36 | $44.93 | $89.86 | $123.05 |
| 37 | $47.15 | $94.30 | $128.52 |
| 38 | $49.28 | $98.56 | $133.82 |
| 39 | $51.34 | $102.68 | $138.95 |
| 40 | $53.34 | $106.68 | $143.94 |
| 41 | $55.27 | $110.54 | $148.80 |
| 42 | $57.15 | $114.30 | $153.52 |
| 43 | $58.97 | $117.94 | $158.13 |
| 44 | $60.75 | $121.50 | $162.62 |
| 45 | $62.48 | $124.96 | $166.97 |
| 46 | $67.41 | $134.82 | $181.30 |
| 47 | $72.03 | $144.03 | $194.56 |
| 48 | $76.42 | $152.84 | $207.12 |
| 49 | $80.61 | $161.22 | $219.10 |
| 50 | $84.61 | $169.22 | $230.54 |
| 51 | $86.39 | $172.78 | $235.80 |
| 52 | $90.01 | $180.02 | $246.11 |
| 53 | $93.50 | $187.00 | $256.06 |
| 54 | $96.87 | $193.74 | $265.65 |
| 55 | $100.12 | $200.24 | $274.90 |
| 56 | $109.33 | $218.66 | $302.66 |
| 57 | $117.93 | $235.86 | $328.28 |
| 58 | $126.05 | $252.10 | $352.42 |
| 59 | $133.76 | $267.52 | $375.27 |
| 60 | $141.11 | $282.22 | $397.01 |
| 61 | $142.29 | $284.58 | $401.12 |
| 62 | $148.81 | $297.62 | $420.34 |
| 63 | $155.08 | $310.16 | $438.34 |
| 64 | $161.13 | $322.26 | $456.60 |
| 65 | $166.98 | $333.96 | $473.78 |
* Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.
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In a recent study, we analyzed over 100,000 quotes that were requested on our website. The results are significant, but not surprising. The longer you wait to buy it, the more it will cost you in monthly premiums. But what is more surprising is that 60% of shoppers are waiting to get life insurance until after the age of 45. This is the problem that we are working to solve. Helping to raise awareness on the importance of life insurance. If you have financial dependents, get some type of coverage in force. As you are about to find out, you get the most bang for your buck by buying it younger.
As part of our research, we asked nearly 4,000 people to guess their price. The results were surprising. Of the group, 94% of the answers came nowhere close to the actual price of life insurance. Our research shows that Americans have no idea how much term life insurance should cost.
The data shows that the price increases with age.
An important thing to note is that this is for monthly premiums. The total cost of a life insurance policy bought at age 30 vs age 45 could end up being the same if you are in perfect health. This is because as you age your needs decrease (both term length and coverage amount). You'll be paying a higher rate but for a lesser amount of time.
The reason we show the prices in monthly premiums is that most people do their budgets on a monthly basis. Cash in, cash out. If your income increases along this same curve you won't feel a squeeze. If it doesn't, you will certainly be feeling it when you go to buy coverage later in life.
NoExam.com has been in business since 2013. As a small business, we have helped 10,000 families purchase life insurance. We have over 1,000 verified 3rd party reviews and maintain a score of 4.8 out of 5. Our philosophy is to go above and beyond without any expectation for something in return.
