Quick Rates Guide
10 Year Term Quotes: Sample Rates from Ages 20 to 80
15 Year Term Quotes: Sample Rates from Ages 20 to 70
20 Year Term Quotes: Sample Rates from Ages 20 to 70
30 Year Term Quotes: Sample Rates from Ages 20 to 50
Lifetime Coverage to Age 121: Sample Rates from Ages 20 to 80
Search Sample Rates by Amount–$25,000 to $5,000,000: Quotes for any age or amount up to $5 Million
10 year term is one of the least expensive types of life insurance. It offers guaranteed level premiums for an initial period of 10 years. After the initial period, premiums increase annually thereafter. Below we’ve provided quotes for $250,000 to $1,000,000.
10 Year Term Life Insurance Rates
- Male
- Female
10 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$9.63
$14.05
$18.36
$21.30
21
$9.63
$14.05
$18.36
$21.30
22
$9.63
$14.05
$18.36
$21.30
23
$9.63
$14.05
$18.36
$21.30
24
$9.63
$14.05
$18.36
$21.30
25
$9.63
$14.05
$18.36
$21.30
26
$9.63
$14.05
$18.36
$21.30
27
$9.63
$14.05
$18.36
$21.30
28
$9.63
$14.05
$19.04
$21.30
29
$9.63
$14.05
$19.04
$21.30
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$9.63
$14.05
$19.04
$21.30
31
$9.63
$14.05
$19.04
$21.50
32
$9.63
$14.05
$19.04
$21.60
33
$9.63
$14.05
$19.04
$21.80
34
$9.63
$14.05
$19.04
$21.90
35
$9.63
$14.05
$19.04
$22.10
36
$10.00
$14.76
$19.04
$23.31
37
$10.40
$15.21
$19.71
$24.21
38
$10.80
$16.11
$21.06
$26.01
39
$11.25
$16.84
$22.41
$27.34
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$11.70
$17.46
$23.09
$28.71
41
$12.60
$19.26
$25.79
$32.30
42
$13.55
$21.51
$29.16
$35.70
43
$14.58
$23.76
$32.54
$39.40
44
$15.70
$26.10
$36.59
$43.50
45
$16.93
$28.50
$40.19
$47.80
46
$18.05
$30.70
$44.70
$52.30
47
$19.30
$33.10
$48.94
$57.20
48
$20.65
$35.70
$53.51
$62.50
49
$22.15
$38.60
$57.90
$68.40
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$23.80
$41.75
$62.63
$74.80
51
$26.20
$46.55
$69.83
$83.90
52
$28.80
$51.80
$77.53
$93.90
53
$31.68
$57.55
$86.33
$104.80
54
$34.80
$63.80
$95.70
$116.70
55
$38.20
$70.65
$105.26
$129.60
56
$41.63
$77.25
$115.17
$142.90
57
$45.33
$84.35
$125.08
$157.20
58
$49.35
$92.10
$138.15
$172.70
59
$54.40
$101.85
$152.78
$192.30
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$60.10
$112.75
$169.13
$214.20
61
$67.63
$127.20
$190.80
$240.70
62
$75.90
$143.25
$211.71
$270.10
63
$84.70
$160.75
$238.68
$302.20
64
$94.82
$179.60
$269.40
$336.80
65
$105.35
$199.45
$299.18
$373.20
66
$117.60
$221.95
$330.27
$409.90
67
$130.30
$239.85
$355.28
$448.00
68
$145.67
$259.09
$384.13
$500.50
69
$158.21
$285.59
$423.89
$553.64
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$172.48
$321.93
$478.40
$609.50
71
$198.00
$367.67
$547.01
$716.09
72
$226.76
$420.26
$625.88
$819.54
73
$262.44
$483.53
$720.79
$943.52
74
$299.85
$560.05
$835.57
$1,094.85
75
$342.24
$654.90
$982.35
$1,241.30
76
$407.98
$798.74
$1,195.34
$1,474.44
77
$482.58
$943.63
$1,412.67
$1,685.64
78
$574.71
$1,117.38
$1,673.88
$1,939.96
79
$671.15
$1,310.82
$1,963.46
$2,243.56
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
80
$748.35
$1,490.57
$2,232.79
$2,604.36
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
10 Year Term Life Insurance Rates
- Male
- Female
10 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$8.80
$12.32
$15.40
$18.48
21
$8.80
$12.32
$15.40
$18.48
22
$8.80
$12.32
$15.40
$18.48
23
$8.80
$12.32
$15.40
$18.48
24
$8.80
$12.40
$16.06
$18.80
25
$8.80
$12.40
$16.06
$18.80
26
$8.80
$12.40
$16.34
$18.80
27
$8.80
$12.40
$16.34
$18.80
28
$8.80
$12.40
$16.34
$18.80
29
$8.80
$12.40
$16.34
$18.80
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$8.80
$12.40
$16.34
$18.80
31
$8.83
$12.50
$16.34
$19.00
32
$8.85
$12.55
$16.34
$19.10
33
$8.90
$12.65
$17.01
$19.30
34
$8.95
$12.75
$17.01
$19.50
35
$9.00
$12.85
$17.01
$19.70
36
$9.33
$13.50
$17.69
$20.80
37
$9.68
$13.86
$17.69
$21.51
38
$10.05
$14.31
$18.36
$22.41
39
$10.45
$15.21
$19.71
$24.21
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$10.88
$16.11
$21.06
$26.01
41
$11.60
$17.91
$23.76
$28.90
42
$12.38
$19.55
$26.46
$31.80
43
$13.25
$21.06
$28.49
$35.10
44
$14.20
$23.15
$32.54
$38.60
45
$15.25
$25.20
$35.91
$42.50
46
$16.08
$26.85
$38.72
$45.80
47
$17.00
$28.65
$41.34
$49.40
48
$18.03
$30.70
$44.63
$53.40
49
$19.18
$33.00
$47.91
$57.90
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$20.45
$35.55
$51.84
$63.00
51
$21.90
$38.25
$55.72
$68.20
52
$23.50
$41.25
$59.65
$74.00
53
$25.25
$44.60
$64.84
$80.50
54
$27.25
$48.35
$71.27
$87.70
55
$29.43
$52.45
$77.53
$95.70
56
$31.43
$56.15
$83.21
$102.60
57
$33.60
$60.20
$88.09
$110.20
58
$36.03
$63.95
$93.31
$118.50
59
$38.93
$69.60
$101.79
$128.60
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$42.15
$76.00
$114.00
$139.80
61
$46.38
$84.20
$125.41
$155.20
62
$51.05
$93.30
$136.70
$172.20
63
$56.10
$103.15
$151.73
$190.60
64
$61.43
$113.55
$169.31
$204.80
65
$66.98
$124.30
$186.45
$227.88
66
$73.85
$136.95
$203.94
$246.69
67
$80.80
$149.65
$219.97
$266.36
68
$89.75
$162.47
$239.21
$289.44
69
$98.88
$180.00
$265.50
$321.93
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$108.25
$200.30
$300.45
$372.38
71
$130.59
$242.24
$359.43
$439.07
72
$151.59
$277.03
$411.60
$514.76
73
$176.09
$323.44
$481.23
$600.78
74
$201.24
$381.41
$568.18
$706.19
75
$223.52
$424.50
$636.75
$787.70
76
$269.58
$528.43
$789.87
$912.12
77
$321.48
$627.51
$937.32
$1,029.16
78
$385.92
$749.00
$1,121.31
$1,173.48
79
$453.39
$890.31
$1,333.28
$1,352.12
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
80
$529.94
$1,054.35
$1,578.75
$1,569.48
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
Warning! You may not be able to qualify for the sample rates above. Life insurance companies consider factors like:
- Family history
- Occupational risk
- Travels
- or Hazardous hobbies
… while deciding if they’ll approve you.
As its name implies, 15 year level term policies offer guaranteed level premiums for a period of 15 years. Since it’s still one of our shorter terms, it is best for the following situations:
- Nearing Retirement (short term coverage needs)
- Business Policy
- Younger Individual seeking the maximum amount of coverage for lowest premium
We’ve provided sample quotes for $250,000 to $1 million below.
15 Year Term Life Insurance Rates
- Male
- Female
15 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$10.68
$15.48
$20.46
$25.00
21
$10.68
$15.48
$20.46
$25.00
22
$10.68
$15.48
$20.46
$25.00
23
$10.68
$15.48
$20.46
$25.00
24
$10.68
$15.48
$20.46
$25.00
25
$10.68
$15.48
$20.46
$25.00
26
$10.68
$15.48
$20.46
$25.00
27
$10.68
$15.48
$20.46
$25.00
28
$10.68
$15.48
$20.46
$25.00
29
$10.68
$15.48
$20.46
$25.00
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$10.68
$15.48
$20.46
$25.00
31
$10.70
$15.80
$21.11
$25.10
32
$10.75
$15.90
$21.11
$25.30
33
$10.80
$15.95
$21.75
$25.50
34
$10.83
$16.05
$22.04
$25.60
35
$10.88
$16.15
$22.41
$25.80
36
$11.30
$17.00
$25.00
$27.60
37
$11.73
$17.85
$26.30
$29.40
38
$12.18
$18.70
$28.05
$31.40
39
$12.65
$19.65
$29.48
$33.40
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$13.18
$20.65
$30.98
$35.60
41
$14.85
$23.85
$35.78
$41.80
42
$16.60
$27.15
$40.73
$48.20
43
$18.55
$30.85
$44.43
$55.30
44
$20.68
$34.85
$50.56
$63.20
45
$22.98
$39.15
$56.79
$71.60
46
$24.95
$42.73
$61.33
$78.40
47
$26.88
$46.19
$66.52
$84.35
48
$28.93
$50.52
$72.84
$92.05
49
$30.76
$55.16
$80.13
$101.55
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$33.19
$60.28
$87.56
$110.20
51
$36.02
$65.56
$95.42
$120.58
52
$38.94
$71.28
$102.97
$131.60
53
$42.54
$77.96
$113.01
$145.16
54
$46.24
$85.00
$125.48
$158.90
55
$50.68
$92.10
$138.01
$172.90
56
$55.44
$101.55
$152.25
$192.00
57
$60.94
$111.75
$166.49
$212.60
58
$66.88
$122.85
$184.28
$235.10
59
$73.92
$136.75
$205.13
$260.71
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$81.84
$152.40
$228.60
$287.53
61
$91.30
$173.50
$259.85
$318.67
62
$101.86
$195.82
$289.23
$355.00
63
$114.40
$221.35
$329.26
$399.11
64
$128.58
$248.60
$370.13
$444.96
65
$143.50
$278.88
$415.55
$497.72
66
$160.59
$313.04
$466.80
$573.84
67
$177.10
$345.84
$514.58
$659.48
68
$194.70
$381.04
$567.38
$730.84
69
$214.06
$419.76
$625.46
$805.64
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$235.62
$462.88
$690.14
$889.24
71
$313.91
$620.12
$927.41
$1,214.50
72
$378.57
$718.59
$1,075.16
$1,385.34
73
$432.47
$797.34
$1,193.28
$1,567.34
74
$479.28
$897.97
$1,344.22
$1,769.47
75
$636.55
$1,257.75
$1,885.34
$2,494.00
76
$755.73
$1,480.06
$2,218.80
$2,937.76
77
$865.59
$1,696.35
$2,543.24
$3,367.76
78
$1,010.50
$1,981.87
$2,971.52
$3,936.22
79
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
15 Year Term Life Insurance Rates
- Male
- Female
15 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$10.05
$13.64
$17.38
$21.12
21
$10.05
$13.64
$17.38
$21.12
22
$10.05
$14.08
$18.04
$22.00
23
$10.05
$14.08
$18.04
$22.00
24
$10.05
$14.52
$18.70
$22.88
25
$10.05
$14.62
$19.16
$23.70
26
$10.08
$14.62
$19.16
$23.70
27
$10.10
$14.62
$19.16
$23.70
28
$10.15
$14.90
$19.81
$24.00
29
$10.20
$14.90
$19.81
$24.00
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$10.25
$14.90
$19.81
$24.00
31
$10.33
$15.05
$19.81
$24.30
32
$10.40
$15.20
$20.46
$24.60
33
$10.50
$15.35
$21.11
$25.00
34
$10.58
$15.55
$21.11
$25.30
35
$10.68
$15.70
$21.75
$25.70
36
$11.03
$16.50
$22.97
$27.30
37
$11.43
$17.35
$24.14
$29.10
38
$11.83
$18.25
$25.45
$30.90
39
$12.28
$19.20
$27.27
$32.80
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$12.75
$20.25
$28.58
$35.00
41
$13.65
$21.90
$31.19
$38.30
42
$14.63
$23.65
$34.45
$42.10
43
$15.70
$25.65
$37.71
$46.20
44
$16.88
$27.80
$41.34
$50.70
45
$18.18
$30.15
$44.24
$55.60
46
$19.18
$32.15
$47.58
$59.40
47
$20.28
$34.30
$50.53
$63.60
48
$21.50
$36.75
$54.47
$68.40
49
$22.90
$39.50
$59.25
$73.70
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$24.43
$42.55
$63.83
$79.60
51
$26.00
$45.55
$68.33
$85.40
52
$27.75
$48.85
$72.58
$91.80
53
$29.68
$52.50
$78.09
$99.00
54
$31.85
$56.60
$84.90
$107.00
55
$34.23
$61.15
$91.73
$115.80
56
$37.63
$66.95
$100.43
$127.60
57
$41.33
$73.35
$109.40
$140.40
58
$45.02
$80.40
$119.41
$154.43
59
$50.40
$88.85
$133.28
$171.70
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$55.93
$98.30
$147.45
$190.70
61
$61.88
$110.45
$165.68
$211.90
62
$68.48
$123.90
$183.16
$235.40
63
$75.60
$138.45
$205.08
$260.80
64
$83.13
$153.80
$230.70
$287.50
65
$90.95
$169.75
$254.63
$315.40
66
$101.93
$191.45
$286.39
$356.73
67
$160.70
$205.04
$303.38
$389.40
68
$115.06
$221.76
$328.46
$421.96
69
$124.30
$240.24
$356.18
$458.04
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$134.20
$260.04
$385.88
$495.88
71
$193.38
$359.76
$535.70
$665.53
72
$225.75
$425.47
$634.27
$795.46
73
$269.06
$513.14
$765.78
$960.05
74
$323.31
$601.78
$899.94
$1,155.12
75
$373.16
$725.65
$1,085.70
$1,359.26
76
$450.64
$857.85
$1,285.49
$1,621.96
77
$522.02
$995.02
$1,491.24
$1,888.56
78
$606.09
$1,158.85
$1,736.99
$2,201.60
79
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
20 year term is the most common type of life insurance policy we sell. It offers guaranteed level premiums for an initial period of 20 years. After the initial period, premiums increase annually thereafter.
20 Year Term Life Insurance Rates
- Male
- Female
20 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$13.18
$20.60
$28.24
$34.80
21
$13.18
$20.60
$28.24
$34.90
22
$13.18
$20.60
$28.24
$35.00
23
$13.18
$20.60
$28.24
$35.20
24
$13.18
$20.60
$28.24
$35.40
25
$13.18
$20.60
$28.24
$35.50
26
$13.23
$20.60
$28.24
$35.50
27
$13.28
$20.65
$28.24
$35.50
28
$13.33
$20.65
$28.71
$35.50
29
$13.38
$20.65
$28.71
$35.50
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$13.43
$20.70
$28.89
$35.50
31
$13.54
$20.95
$28.89
$35.90
32
$13.75
$21.20
$29.54
$36.20
33
$13.75
$21.45
$29.54
$36.60
34
$13.75
$21.45
$29.54
$36.90
35
$13.97
$21.90
$30.19
$37.20
36
$14.62
$23.27
$32.13
$40.10
37
$15.27
$24.57
$34.03
$43.00
38
$16.35
$26.15
$37.32
$46.10
39
$17.21
$27.70
$39.92
$49.30
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$18.18
$29.35
$43.16
$52.80
41
$20.00
$33.05
$47.70
$60.00
42
$21.75
$36.90
$53.54
$67.60
43
$24.05
$41.15
$60.03
$75.90
44
$26.38
$45.80
$67.17
$85.00
45
$28.88
$50.80
$74.95
$94.90
46
$31.13
$55.30
$81.44
$103.30
47
$33.65
$60.25
$88.58
$112.60
48
$36.33
$65.60
$96.47
$122.70
49
$39.30
$71.50
$106.04
$133.80
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$42.58
$78.00
$115.49
$146.00
51
$46.38
$85.60
$126.72
$160.90
52
$50.52
$94.00
$137.22
$177.30
53
$55.05
$103.10
$151.33
$195.10
54
$60.00
$113.05
$168.85
$214.60
55
$65.40
$123.90
$185.85
$235.90
56
$73.10
$137.55
$206.00
$262.60
57
$81.38
$152.30
$226.73
$291.60
58
$89.69
$168.35
$252.53
$323.00
59
$99.97
$188.45
$282.68
$362.40
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$114.17
$211.00
$316.50
$406.70
61
$128.63
$242.55
$361.05
$468.20
62
$146.74
$274.55
$409.06
$533.75
63
$166.76
$313.91
$468.09
$608.65
64
$184.75
$355.43
$530.37
$680.78
65
$208.78
$402.14
$600.44
$776.20
66
$244.06
$463.55
$692.56
$905.14
67
$277.15
$533.62
$797.66
$1,030.05
68
$317.80
$619.69
$926.76
$1,186.15
69
$360.62
$710.08
$1,062.35
$1,369.64
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$406.57
$807.97
$1,210.67
$1,553.16
71
72
73
74
75
76
77
78
79
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
20 Year Term Life Insurance Rates
- Male
- Female
20 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$11.81
$14.08
$18.04
$22.00
21
$11.81
$14.52
$18.70
$22.88
22
$11.81
$14.96
$19.36
$23.76
23
$11.81
$15.40
$20.02
$24.64
24
$11.81
$15.84
$20.68
$25.52
25
$11.81
$16.28
$21.34
$26.40
26
$11.81
$16.72
$22.00
$27.28
27
$11.81
$17.60
$23.32
$29.04
28
$12.02
$17.63
$24.28
$29.50
29
$12.02
$18.06
$24.35
$29.70
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$12.02
$18.06
$24.35
$29.90
31
$12.20
$18.35
$25.00
$30.30
32
$12.24
$18.50
$25.46
$30.60
33
$12.38
$18.70
$25.79
$31.00
34
$12.45
$18.85
$26.62
$31.50
35
$12.55
$19.05
$26.82
$31.90
36
$13.10
$20.20
$28.49
$34.10
37
$13.68
$21.40
$29.84
$36.50
38
$14.30
$22.70
$31.86
$39.00
39
$14.95
$24.10
$34.56
$41.70
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$15.68
$25.65
$37.85
$44.60
41
$16.93
$28.00
$40.69
$49.10
42
$18.30
$30.60
$45.36
$54.00
43
$19.83
$33.45
$49.46
$59.50
44
$21.48
$36.60
$54.68
$65.40
45
$23.30
$40.10
$58.73
$72.00
46
$24.70
$42.70
$63.00
$77.20
47
$26.25
$45.60
$66.94
$83.10
48
$28.00
$48.85
$72.19
$89.60
49
$29.95
$52.55
$78.29
$96.90
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$32.15
$56.60
$84.66
$105.10
51
$35.10
$62.30
$92.73
$115.50
52
$38.40
$68.60
$100.87
$127.20
53
$42.08
$75.60
$111.69
$140.10
54
$46.18
$83.45
$125.15
$154.60
55
$50.52
$92.10
$138.15
$170.50
56
$55.25
$100.10
$150.15
$186.70
57
$59.81
$108.80
$162.49
$204.40
58
$65.03
$118.40
$177.60
$224.00
59
$72.33
$130.00
$195.00
$247.60
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$79.70
$142.90
$214.35
$273.90
61
$90.00
$162.95
$244.43
$312.61
62
$99.44
$184.67
$273.07
$347.21
63
$107.14
$205.92
$304.70
$389.40
64
$117.48
$226.60
$335.72
$435.16
65
$128.92
$249.48
$370.04
$486.48
66
$159.07
$306.56
$457.07
$566.06
67
$180.48
$348.60
$518.96
$656.02
68
$206.86
$400.97
$597.52
$767.60
69
$234.54
$461.39
$689.32
$884.38
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$265.90
$525.83
$785.98
$1,016.72
71
72
73
74
75
76
77
78
79
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
Warning! You may not be able to qualify for the sample rates above. Life insurance companies consider factors like:
- Family history
- Occupational risk
- Travels
- or Hazardous hobbies
… while deciding if they’ll approve you.
If you are a 70+ male or female, read this article about life insurance over 70 for a 20 year term and longer pricing sample.
30 year term is the longest term you can purchase, however, that does not mean the policy automatically cancels after 30 years. It offers guaranteed level premiums for an initial period of 30 years. After the initial period, premiums increase annually thereafter. Many term policies renew annually to age 95.
30 Year Term Life Insurance Rates
- Male
- Female
30 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$19.63
$24.64
$33.88
$43.12
21
$19.65
$25.08
$34.54
$44.00
22
$19.65
$25.52
$35.20
$44.88
23
$19.68
$26.40
$36.52
$46.64
24
$19.70
$27.28
$37.84
$48.40
25
$19.73
$28.60
$39.82
$51.04
26
$19.93
$29.92
$41.80
$53.68
27
$20.15
$31.24
$43.78
$56.32
28
$20.33
$33.00
$46.42
$58.20
29
$20.43
$33.65
$47.70
$59.40
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$20.43
$33.97
$48.35
$60.50
31
$21.05
$34.83
$49.65
$62.30
32
$21.43
$35.81
$50.95
$64.00
33
$21.97
$36.68
$52.25
$65.60
34
$22.58
$37.97
$54.19
$67.82
35
$23.22
$39.13
$56.14
$70.00
36
$24.35
$41.80
$60.03
$75.30
37
$25.65
$44.40
$63.19
$80.79
38
$27.38
$47.25
$69.11
$87.71
39
$28.89
$50.85
$74.30
$95.50
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$30.75
$53.95
$79.70
$102.34
41
$33.43
$60.03
$87.28
$112.80
42
$36.24
$64.79
$94.41
$122.31
43
$39.60
$71.28
$104.15
$135.29
44
$42.68
$78.20
$114.53
$148.23
45
$46.20
$85.55
$125.55
$163.40
46
$50.60
$93.33
$137.23
$178.54
47
$55.44
$101.98
$150.21
$193.64
48
$61.11
$112.80
$166.43
$212.63
49
$66.73
$124.04
$183.29
$235.63
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$72.67
$134.35
$198.94
$258.39
51
$82.09
$155.61
$230.65
$295.31
52
$92.47
$176.18
$260.33
$331.19
53
$105.23
$200.90
$297.41
$378.70
54
$118.63
$229.57
$341.59
$435.44
55
$133.77
$258.86
$387.00
$490.20
56
$151.15
$288.10
$430.86
$549.54
57
$168.78
$320.78
$479.88
$615.76
58
$187.70
$356.47
$533.42
$679.40
59
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
61
62
63
64
65
66
67
68
69
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
30 Year Term Life Insurance Rates
- Male
- Female
30 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$16.23
$17.16
$22.66
$28.16
21
$16.25
$17.60
$23.32
$29.04
22
$16.28
$18.48
$24.64
$30.80
23
$16.30
$18.92
$25.30
$31.68
24
$16.33
$20.24
$27.28
$34.32
25
$16.35
$21.12
$28.60
$36.08
26
$16.55
$22.44
$30.58
$38.72
27
$16.75
$23.76
$32.56
$41.36
28
$17.00
$25.08
$34.54
$44.00
29
$17.21
$26.84
$37.18
$47.52
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$17.63
$28.08
$39.53
$49.02
31
$17.86
$28.94
$40.82
$50.74
32
$18.29
$30.05
$42.51
$52.46
33
$18.73
$31.05
$43.81
$54.40
34
$19.16
$31.92
$45.11
$56.70
35
$19.59
$33.11
$47.06
$58.48
36
$20.46
$34.95
$49.65
$62.64
37
$21.54
$37.11
$52.89
$66.99
38
$22.62
$39.27
$56.14
$71.70
39
$23.92
$41.04
$58.97
$76.03
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$25.43
$43.20
$62.21
$80.35
41
$27.16
$47.92
$69.11
$89.10
42
$29.32
$51.81
$74.95
$96.36
43
$31.83
$56.14
$81.38
$104.15
44
$34.27
$60.85
$88.58
$113.66
45
$37.41
$66.00
$96.36
$123.18
46
$39.92
$71.28
$104.15
$130.96
47
$42.73
$77.33
$112.22
$139.61
48
$46.19
$84.60
$123.38
$149.99
49
$49.87
$92.47
$135.93
$161.24
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$53.98
$101.12
$148.91
$173.35
51
$60.25
$112.90
$167.72
$199.30
52
$67.17
$127.40
$187.16
$227.06
53
$76.03
$144.11
$212.23
$261.71
54
$85.12
$162.90
$242.33
$302.20
55
$95.50
$183.35
$273.47
$343.20
56
$117.18
$222.74
$332.82
$436.88
57
$130.72
$248.54
$371.52
$486.76
58
$145.77
$276.92
$414.09
$541.80
59
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
If you are a 60+ male for female, read this article about life insurance over 60 for a 30 year term and longer pricing sample.
Lifetime coverage quotes are based on the type of policy with the longest guarantee we have, a guaranteed universal life policy to age 121. The premiums and death benefit stay fixed for life.
Universal Life Insurance to Age 121
- Male
- Female
Guaranteed lifetime pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$25,000
$50,000
$100,000
$250,000
20
$14.37
$23.75
$29.97
$60.38
21
$14.38
$24.05
$31.29
$62.56
22
$14.38
$24.45
$32.59
$64.75
23
$14.39
$24.80
$33.89
$67.16
24
$14.40
$25.20
$36.31
$69.56
25
$14.40
$25.65
$36.49
$72.19
26
$14.84
$26.15
$37.53
$75.25
27
$15.26
$26.65
$38.58
$78.09
28
$15.67
$27.00
$39.61
$81.16
29
$16.06
$27.40
$40.66
$84.22
30-39 years old
Face Value
$25,000
$50,000
$100,000
$250,000
30
$16.45
$27.85
$41.70
$87.06
31
$16.82
$28.25
$42.72
$90.56
32
$17.18
$28.70
$43.72
$93.84
33
$17.54
$29.30
$44.72
$97.13
34
$17.89
$29.80
$45.70
$100.63
35
$18.22
$30.45
$46.70
$103.69
36
$18.87
$31.25
$48.73
$108.06
37
$19.50
$32.10
$50.78
$112.88
38
$20.12
$33.00
$52.78
$117.91
39
$20.71
$34.00
$54.78
$123.16
40-49 years old
Face Value
$25,000
$50,000
$100,000
$250,000
40
$21.29
$35.10
$56.76
$128.63
41
$21.86
$36.25
$58.73
$133.66
42
$22.41
$37.55
$60.66
$138.69
43
$22.95
$38.80
$62.60
$143.28
44
$23.47
$40.15
$64.53
$147.66
45
$23.98
$41.60
$66.42
$151.81
46
$25.72
$43.20
$70.94
$158.16
47
$27.38
$44.80
$74.46
$164.94
48
$28.96
$46.55
$77.18
$171.72
49
$30.48
$48.35
$79.98
$178.72
50-59 years old
Face Value
$25,000
$50,000
$100,000
$250,000
50
$31.93
$50.30
$82.60
$185.50
51
$32.58
$52.35
$87.15
$196.66
52
$33.19
$54.45
$91.96
$208.69
53
$34.44
$56.60
$97.21
$221.81
54
$35.64
$58.90
$102.90
$236.03
55
$36.81
$61.45
$108.85
$249.48
56
$39.87
$64.10
$114.19
$264.25
57
$42.77
$67.00
$119.79
$278.25
58
$45.53
$70.20
$125.74
$293.13
59
$48.15
$73.70
$131.78
$308.44
60-69 years old
Face Value
$25,000
$50,000
$100,000
$250,000
60
$41.48
$77.65
$137.99
$323.97
61
$43.60
$81.90
$145.78
$343.00
62
$46.00
$86.70
$154.00
$363.34
63
$48.60
$91.95
$163.45
$386.53
64
$51.48
$97.65
$173.43
$411.03
65
$54.60
$103.90
$184.19
$437.50
66
$57.93
$110.55
$196.18
$466.00
67
$61.45
$117.60
$209.13
$498.00
68
$65.13
$124.95
$224.96
$531.00
69
$69.03
$132.75
$240.71
$567.00
70-79 years old
Face Value
$25,000
$50,000
$100,000
$250,000
70
$73.15
$140.95
$255.40
$597.47
71
$77.50
$149.70
$271.06
$634.95
72
$82.15
$158.95
$285.64
$683.00
73
$87.08
$168.85
$301.38
$708.26
74
$92.40
$179.45
$318.62
$749.91
75
$98.13
$190.95
$342.78
$807.80
76
$104.43
$203.55
$377.93
$891.52
77
$111.48
$217.60
$413.75
$976.90
78
$119.43
$233.50
$457.57
$1,081.23
79
$128.60
$251.85
$492.98
$1,180.99
80 years old
Face Value
$25,000
$50,000
$100,000
$250,000
80
$139.10
$272.85
$535.76
$1,303.85
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
Universal Life Insurance to Age 121
- Male
- Female
Guaranteed lifetime pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$25,000
$50,000
$100,000
$250,000
20
$13.00
$20.62
$24.84
$51.84
21
$13.00
$21.39
$25.89
$53.81
22
$13.01
$22.23
$26.91
$55.78
23
$13.01
$23.11
$27.93
$57.75
24
$13.02
$23.40
$28.93
$59.94
25
$13.03
$23.80
$29.91
$61.91
26
$13.39
$24.15
$30.81
$64.09
27
$13.74
$24.45
$31.68
$66.50
28
$14.08
$24.80
$32.53
$68.69
29
$14.41
$25.15
$33.39
$70.66
30-39 years old
Face Value
$25,000
$50,000
$100,000
$250,000
30
$14.74
$25.55
$34.26
$72.41
31
$15.05
$25.95
$35.08
$75.03
32
$15.37
$26.35
$35.90
$77.66
33
$15.67
$26.90
$36.74
$80.06
34
$15.97
$27.40
$37.55
$82.25
35
$16.26
$28.10
$38.36
$84.22
36
$16.86
$28.90
$39.88
$87.72
37
$17.43
$29.75
$41.42
$91.44
38
$17.99
$30.60
$42.94
$95.16
39
$18.54
$31.55
$44.45
$98.88
40-49 years old
Face Value
$25,000
$50,000
$100,000
$250,000
40
$19.07
$32.50
$45.92
$102.81
41
$19.59
$33.40
$47.40
$107.19
42
$20.09
$34.45
$48.85
$111.56
43
$20.58
$35.65
$50.29
$116.16
44
$21.07
$36.85
$51.72
$120.75
45
$21.54
$38.10
$53.08
$125.13
46
$22.81
$39.30
$56.76
$131.69
47
$24.02
$40.55
$60.46
$138.25
48
$25.18
$41.80
$64.11
$145.25
49
$26.29
$43.15
$67.78
$152.69
50-59 years old
Face Value
$25,000
$50,000
$100,000
$250,000
50
$27.36
$44.75
$71.44
$160.34
51
$27.76
$46.50
$75.05
$168.88
52
$28.73
$48.30
$78.65
$178.06
53
$29.67
$50.20
$82.22
$188.13
54
$30.58
$52.15
$85.78
$198.63
55
$31.46
$54.25
$89.22
$210.22
56
$34.11
$56.65
$95.75
$221.81
57
$36.60
$59.30
$101.85
$233.41
58
$38.95
$62.05
$106.66
$245.44
59
$41.18
$64.90
$111.65
$257.91
60-69 years old
Face Value
$25,000
$50,000
$100,000
$250,000
60
$36.60
$67.90
$116.73
$270.81
61
$38.18
$71.05
$123.20
$286.13
62
$39.88
$74.45
$130.29
$303.41
63
$41.65
$78.00
$137.64
$320.91
64
$43.53
$81.70
$145.16
$338.84
65
$45.45
$85.60
$152.86
$357.44
66
$47.63
$89.90
$164.76
$386.00
67
$50.10
$94.85
$177.90
$414.00
68
$52.83
$100.30
$189.78
$453.78
69
$56.00
$106.65
$201.65
$476.00
70-79 years old
Face Value
$25,000
$50,000
$100,000
$250,000
70
$59.70
$114.05
$213.52
$510.00
71
$63.98
$122.65
$232.82
$545.62
72
$68.88
$132.40
$249.73
$585.00
73
$74.40
$143.40
$266.39
$625.00
74
$80.50
$155.65
$285.14
$671.19
75
$87.18
$169.00
$305.79
$718.00
76
$94.08
$182.80
$344.58
$786.98
77
$101.28
$197.15
$363.60
$859.03
78
$108.90
$212.40
$394.68
$933.38
79
$116.93
$228.45
$424.11
$1,011.05
80 years old
Face Value
$25,000
$50,000
$100,000
$250,000
80
$125.50
$245.60
$456.58
$1,101.64
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
As we have allowed you to see the average premium above for ages 20 to 80, in most cases, the samples above only showed $100,000 and $250,000 death benefits.
But if it’s simpler for you to search by death benefit amount, please see the following charts:
Average Cost for $25,000 to $100,000 of Life Insurance
At these lower levels of coverage, there are a few factors you’ll want to consider:
- How much to buy? In some cases it actually costs LESS to buy more coverage
- Should I take an exam? Carriers are less stringent about needing a medical exam at these lower coverage levels.
Therefore, for more information about the average cost of life insurance for the following amounts: $25,000, $50,000, $75,000 or $100,000 at any term length, we recommend you visit our article: Average Cost of Life Insurance from $25,000 to $100,000
10 Year Term Life Insurance Rates
- Male
- Female
10 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$25,000
$50,000
$75,000
$100,000
20
$8.13
$7.74
$9.42
$7.17
21
$8.13
$7.74
$9.42
$7.17
22
$8.13
$7.74
$9.42
$7.17
23
$8.11
$7.74
$9.42
$7.17
24
$8.11
$7.74
$9.42
$7.17
25
$8.11
$7.74
$9.42
$7.17
26
$8.11
$7.74
$9.42
$7.17
27
$8.11
$7.74
$9.42
$7.17
28
$8.11
$7.74
$9.42
$7.17
29
$8.11
$7.79
$9.48
$7.17
30-39 years old
Face Value
$25,000
$50,000
$75,000
$100,000
30
$8.11
$7.79
$9.48
$7.17
31
$8.21
$7.83
$9.55
$7.17
32
$8.32
$7.83
$9.55
$7.17
33
$8.43
$7.83
$9.55
$7.17
34
$8.54
$7.88
$9.61
$7.17
35
$8.64
$7.92
$9.68
$7.17
36
$8.84
$8.18
$10.08
$7.40
37
$9.03
$8.58
$10.67
$7.62
38
$9.20
$8.93
$11.20
$7.85
39
$9.40
$9.33
$11.79
$8.10
40-49 years old
Face Value
$25,000
$50,000
$75,000
$100,000
40
$9.59
$9.72
$12.39
$8.37
41
$9.89
$10.25
$13.18
$8.80
42
$10.21
$10.69
$13.84
$9.26
43
$10.51
$11.26
$14.70
$9.77
44
$10.84
$11.88
$15.62
$10.32
45
$11.14
$12.54
$16.61
$10.92
46
$11.70
$13.20
$17.60
$11.45
47
$12.26
$13.90
$18.66
$12.04
48
$12.81
$14.74
$19.91
$12.68
49
$13.37
$15.53
$21.10
$13.38
50-59 years old
Face Value
$25,000
$50,000
$75,000
$100,000
50
$13.93
$16.41
$22.33
$14.15
51
$14.79
$17.34
$23.70
$15.06
52
$15.67
$18.44
$25.32
$16.05
53
$16.53
$19.54
$27.10
$17.13
54
$17.42
$20.77
$28.95
$18.31
55
$18.28
$22.13
$31.00
$19.60
56
$19.78
$25.62
$35.27
$21.01
57
$21.29
$27.67
$38.35
$22.54
58
$22.81
$29.84
$41.61
$24.20
59
$24.32
$32.19
$45.14
$26.28
60-69 years old
Face Value
$25,000
$50,000
$75,000
$100,000
60
$25.82
$34.77
$49.00
$28.62
61
$28.34
$37.64
$53.30
$32.62
62
$30.85
$40.85
$58.12
$37.08
63
$33.37
$44.46
$63.53
$41.95
64
$35.88
$48.52
$69.63
$47.18
65
$38.40
$53.10
$76.50
$52.69
66
$42.38
$58.14
$84.07
$58.29
67
$46.35
$63.57
$92.20
$64.09
68
$50.33
$69.37
$100.91
$72.08
69
$54.31
$75.56
$110.19
$80.10
70-79 years old
Face Value
$25,000
$50,000
$75,000
$100,000
70
$58.29
$82.13
$120.04
$88.68
71
$69.21
$89.08
$130.46
$99.13
72
$80.15
$96.41
$141.46
$110.63
73
$91.07
$104.12
$153.03
$124.08
74
$102.02
$112.21
$165.16
$139.65
75
$112.94
$120.68
$177.87
$155.73
76
$131.60
$258.04
$384.48
$186.84
77
$150.26
$295.37
$440.47
$221.09
78
$168.95
$332.73
$496.52
$263.48
79
$187.67
$370.06
$552.51
$307.85
80 years old
Face Value
$25,000
$50,000
$75,000
$100,000
80
$206.27
$407.38
$608.49
$356.21
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
10 Year Term Life Insurance Rates
- Male
- Female
10 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$25,000
$50,000
$75,000
$100,000
20
$7.42
$7.18
$7.72
$6.92
21
$7.42
$7.18
$7.72
$6.92
22
$7.42
$7.18
$7.72
$6.92
23
$7.42
$7.18
$7.72
$6.92
24
$7.42
$7.22
$7.79
$6.92
25
$7.42
$7.26
$7.85
$6.92
26
$7.42
$7.31
$7.92
$6.92
27
$7.42
$7.40
$8.05
$6.92
28
$7.42
$7.48
$8.18
$6.92
29
$7.42
$7.48
$8.31
$6.92
30-39 years old
Face Value
$25,000
$50,000
$75,000
$100,000
30
$7.42
$7.48
$8.50
$6.92
31
$7.46
$7.48
$8.77
$6.92
32
$7.53
$7.48
$9.02
$6.92
33
$7.57
$7.48
$9.02
$6.92
34
$7.63
$7.48
$9.02
$6.92
35
$7.70
$7.48
$9.02
$6.92
36
$7.85
$7.70
$9.35
$7.10
37
$7.98
$7.92
$9.68
$7.29
38
$8.13
$8.23
$10.14
$7.49
39
$8.26
$8.58
$10.67
$7.71
40-49 years old
Face Value
$25,000
$50,000
$75,000
$100,000
40
$8.41
$8.84
$11.07
$7.94
41
$8.79
$9.20
$11.59
$8.27
42
$9.16
$9.59
$12.19
$8.64
43
$9.55
$9.77
$12.45
$9.05
44
$9.91
$10.16
$13.05
$9.49
45
$10.30
$10.47
$13.51
$9.98
46
$10.58
$11.04
$14.37
$10.42
47
$10.86
$11.48
$15.03
$10.89
48
$11.16
$12.06
$15.88
$11.43
49
$11.44
$12.67
$16.81
$12.03
50-59 years old
Face Value
$25,000
$50,000
$75,000
$100,000
50
$11.72
$13.38
$17.86
$12.70
51
$12.26
$14.08
$18.92
$13.41
52
$12.79
$14.87
$20.11
$14.20
53
$13.31
$15.66
$21.30
$15.07
54
$13.85
$16.50
$22.55
$16.05
55
$14.38
$17.60
$24.20
$17.13
56
$15.05
$19.83
$26.60
$18.12
57
$15.72
$20.60
$27.75
$19.20
58
$16.38
$21.30
$28.80
$20.39
59
$17.05
$22.05
$29.93
$21.82
60-69 years old
Face Value
$25,000
$50,000
$75,000
$100,000
60
$17.72
$22.96
$31.29
$23.43
61
$19.52
$24.12
$33.04
$25.13
62
$21.33
$25.66
$35.33
$27.02
63
$23.13
$27.66
$38.34
$29.07
64
$24.94
$30.25
$42.22
$31.22
65
$26.75
$33.53
$47.14
$33.47
66
$30.01
$37.40
$52.95
$37.59
67
$33.28
$41.71
$59.42
$41.75
68
$36.53
$46.46
$66.55
$46.90
69
$39.80
$51.65
$74.33
$52.54
70-79 years old
Face Value
$25,000
$50,000
$75,000
$100,000
70
$43.06
$57.28
$82.77
$58.22
71
$51.36
$63.35
$91.87
$66.18
72
$59.68
$69.85
$101.63
$74.80
73
$67.98
$76.80
$112.05
$84.79
74
$76.30
$84.18
$123.12
$96.78
75
$84.60
$92.00
$134.85
$109.10
76
$98.96
$192.77
$286.57
$130.70
77
$113.31
$221.45
$329.60
$154.58
78
$127.67
$250.17
$372.68
$184.16
79
$142.01
$278.86
$415.70
$215.13
80 years old
Face Value
$25,000
$50,000
$75,000
$100,000
80
$156.37
$307.58
$458.79
$250.24
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
20 Year Term Life Insurance Rates
- Male
- Female
20 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$25,000
$50,000
$75,000
$100,000
20
$8.94
$9.44
$11.11
$9.31
21
$8.94
$9.44
$11.11
$9.31
22
$8.94
$9.44
$11.11
$9.31
23
$8.94
$9.44
$11.11
$9.31
24
$8.94
$9.44
$11.11
$9.31
25
$8.94
$9.48
$11.18
$9.31
26
$8.94
$9.55
$11.38
$9.31
27
$8.94
$9.55
$11.57
$9.31
28
$8.94
$9.55
$11.77
$9.31
29
$8.94
$9.64
$11.80
$9.31
30-39 years old
Face Value
$25,000
$50,000
$75,000
$100,000
30
$8.94
$9.64
$11.89
$9.31
31
$9.12
$9.77
$12.11
$9.33
32
$9.27
$9.77
$12.45
$9.34
33
$9.44
$9.90
$12.65
$9.36
34
$9.59
$10.12
$12.98
$9.38
35
$9.76
$10.34
$13.31
$9.39
36
$10.00
$10.65
$13.77
$9.74
37
$10.23
$11.09
$14.43
$10.09
38
$10.49
$11.57
$15.16
$10.46
39
$10.73
$12.06
$15.88
$10.85
40-49 years old
Face Value
$25,000
$50,000
$75,000
$100,000
40
$10.97
$12.63
$16.74
$11.27
41
$11.44
$13.55
$18.13
$12.17
42
$11.91
$14.43
$19.45
$13.12
43
$12.36
$15.44
$20.97
$14.16
44
$12.84
$16.59
$22.68
$15.31
45
$13.31
$17.78
$24.46
$16.25
46
$14.08
$19.10
$26.44
$17.54
47
$14.86
$20.59
$28.69
$18.76
48
$15.61
$22.18
$31.06
$20.01
49
$16.38
$23.94
$33.70
$21.40
50-59 years old
Face Value
$25,000
$50,000
$75,000
$100,000
50
$17.16
$25.87
$36.61
$22.88
51
$18.45
$27.63
$39.25
$24.86
52
$19.74
$29.66
$42.28
$26.98
53
$21.03
$31.90
$45.65
$29.30
54
$22.32
$34.41
$49.41
$31.82
55
$23.61
$37.18
$53.57
$34.23
56
$26.19
$43.51
$62.11
$37.73
57
$28.75
$46.96
$67.28
$41.13
58
$31.33
$50.61
$72.76
$44.82
59
$33.88
$54.46
$78.54
$49.45
60-69 years old
Face Value
$25,000
$50,000
$75,000
$100,000
60
$36.46
$58.52
$84.63
$54.66
61
$40.44
$62.78
$91.02
$61.93
62
$44.44
$67.24
$97.71
$69.72
63
$48.42
$71.91
$104.71
$79.32
64
$52.42
$76.78
$112.01
$89.44
65
$56.39
$81.85
$119.62
$100.36
66
$112.97
67
$126.72
68
$143.76
69
$161.50
70-79 years old
Face Value
$25,000
$50,000
$75,000
$100,000
70
$180.77
71
72
73
74
75
76
77
78
79
80 years old
Face Value
$25,000
$50,000
$75,000
$100,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
20 Year Term Life Insurance Rates
- Male
- Female
20 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$25,000
$50,000
$75,000
$100,000
20
$8.23
$7.53
$8.24
$8.51
21
$8.23
$7.57
$8.31
$8.51
22
$8.23
$7.66
$8.44
$8.51
23
$8.23
$7.74
$8.57
$8.51
24
$8.23
$7.83
$8.70
$8.51
25
$8.23
$7.96
$8.90
$8.51
26
$8.23
$8.09
$9.09
$8.51
27
$8.23
$8.22
$9.29
$8.51
28
$8.23
$8.40
$9.55
$8.54
29
$8.23
$8.61
$9.87
$8.54
30-39 years old
Face Value
$25,000
$50,000
$75,000
$100,000
30
$8.23
$8.76
$10.20
$8.54
31
$8.36
$8.89
$10.59
$8.59
32
$8.49
$8.98
$11.05
$8.64
33
$8.60
$9.02
$11.33
$8.69
34
$8.73
$9.15
$11.53
$8.74
35
$8.86
$9.42
$11.92
$8.80
36
$9.09
$9.55
$12.12
$9.11
37
$9.31
$9.72
$12.39
$9.44
38
$9.55
$9.94
$12.72
$9.80
39
$9.76
$10.25
$13.18
$10.17
40-49 years old
Face Value
$25,000
$50,000
$75,000
$100,000
40
$10.00
$10.65
$13.77
$10.58
41
$10.28
$11.35
$14.83
$11.13
42
$10.56
$12.14
$16.02
$11.73
43
$10.86
$12.94
$17.05
$12.39
44
$11.14
$13.82
$18.05
$13.11
45
$11.42
$14.83
$19.21
$13.75
46
$12.00
$15.69
$20.39
$14.53
47
$12.58
$16.43
$21.50
$15.40
48
$13.14
$17.18
$22.61
$16.44
49
$13.72
$18.43
$24.50
$17.56
50-59 years old
Face Value
$25,000
$50,000
$75,000
$100,000
50
$14.30
$19.69
$26.39
$18.75
51
$15.11
$20.95
$28.27
$19.90
52
$15.93
$22.21
$30.16
$21.11
53
$16.73
$23.46
$32.04
$22.57
54
$17.54
$24.72
$33.93
$24.12
55
$18.36
$26.99
$37.33
$25.81
56
$20.15
$29.59
$41.23
$27.73
57
$21.91
$32.44
$45.51
$29.81
58
$23.69
$35.55
$50.17
$32.02
59
$25.46
$38.91
$55.21
$34.89
60-69 years old
Face Value
$25,000
$50,000
$75,000
$100,000
60
$27.24
$42.52
$60.63
$37.98
61
$30.01
$46.39
$66.43
$42.56
62
$32.79
$50.51
$72.61
$47.14
63
$35.58
$54.88
$79.17
$52.94
64
$38.36
$59.50
$86.11
$58.99
65
$41.13
$64.38
$93.42
$65.55
66
$75.17
67
$85.81
68
$98.87
69
$112.62
70-79 years old
Face Value
$25,000
$50,000
$75,000
$100,000
70
$128.19
71
72
73
74
75
76
77
78
79
80 years old
Face Value
$25,000
$50,000
$75,000
$100,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
30 Year Term Life Insurance Rates
- Male
- Female
30 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$25,000
$50,000
$75,000
$100,000
20
$10.99
$10.18
$12.22
$12.30
21
$10.99
$10.22
$12.29
$12.30
22
$10.99
$10.31
$12.42
$12.30
23
$10.99
$10.44
$12.62
$12.30
24
$10.99
$10.61
$12.88
$12.30
25
$10.99
$10.83
$13.20
$12.30
26
$11.12
$11.09
$13.59
$12.38
27
$11.22
$11.40
$14.05
$12.47
28
$11.35
$11.75
$14.57
$12.47
29
$11.46
$12.14
$15.16
$12.56
30-39 years old
Face Value
$25,000
$50,000
$75,000
$100,000
30
$11.59
$12.66
$15.94
$12.64
31
$11.85
$13.27
$16.86
$12.90
32
$12.10
$13.92
$17.84
$13.16
33
$12.34
$14.66
$18.94
$13.42
34
$12.60
$15.49
$20.18
$13.67
35
$12.86
$16.36
$21.49
$13.93
36
$13.12
$17.27
$22.86
$14.71
37
$13.37
$18.27
$24.36
$15.48
38
$13.61
$19.31
$25.93
$16.34
39
$13.87
$20.53
$27.75
$17.11
40-49 years old
Face Value
$25,000
$50,000
$75,000
$100,000
40
$14.13
$21.92
$29.84
$17.89
41
$14.71
$23.49
$32.19
$19.35
42
$15.29
$25.23
$34.80
$20.81
43
$15.85
$26.53
$37.22
$22.22
44
$16.43
$27.69
$38.96
$25.54
45
$17.01
$28.85
$40.70
$24.79
46
$18.49
$31.82
$45.15
$26.71
47
$20.00
$34.83
$49.67
$28.88
48
$21.48
$37.80
$54.12
$31.32
49
$22.98
$40.81
$58.63
$34.10
50-59 years old
Face Value
$25,000
$50,000
$75,000
$100,000
50
$24.47
$43.77
$63.08
$37.24
51
$57.54
$83.24
$42.44
52
$60.03
$86.98
$48.56
53
$61.87
$89.74
$55.91
54
$61.91
$89.80
$64.92
55
$61.96
$89.87
$73.96
56
$81.10
57
$89.10
58
$97.52
59
60-69 years old
Face Value
$25,000
$50,000
$75,000
$100,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
30 Year Term Life Insurance Rates
- Male
- Female
30 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$25,000
$50,000
$75,000
$100,000
20
$10.04
$8.48
$9.22
$10.38
21
$10.04
$8.31
$9.42
$10.65
22
$10.04
$8.44
$9.61
$10.91
23
$10.04
$8.61
$9.87
$11.26
24
$10.04
$8.83
$10.20
$11.52
25
$10.04
$9.05
$10.53
$11.52
26
$10.15
$9.27
$10.85
$11.52
27
$10.26
$9.53
$11.24
$11.52
28
$10.38
$9.79
$11.64
$11.61
29
$10.49
$10.14
$12.16
$11.61
30-39 years old
Face Value
$25,000
$50,000
$75,000
$100,000
30
$10.60
$10.48
$12.68
$11.61
31
$10.79
$10.92
$13.33
$11.70
32
$10.97
$11.35
$13.99
$11.78
33
$11.16
$11.88
$14.77
$11.87
34
$11.33
$12.40
$15.55
$11.95
35
$11.52
$13.01
$16.46
$12.04
36
$11.76
$13.62
$17.38
$12.56
37
$12.00
$14.27
$18.36
$13.07
38
$12.23
$14.96
$19.40
$13.50
39
$12.47
$15.79
$20.64
$14.02
40-49 years old
Face Value
$25,000
$50,000
$75,000
$100,000
40
$12.71
$16.70
$22.01
$14.53
41
$13.20
$17.75
$23.58
$15.57
42
$13.67
$18.88
$25.27
$16.44
43
$14.17
$20.10
$27.10
$17.47
44
$14.64
$21.49
$29.19
$18.60
45
$15.14
$23.01
$31.47
$19.78
46
$16.00
$24.66
$33.95
$21.37
47
$16.88
$26.40
$36.56
$23.01
48
$17.74
$28.28
$39.37
$25.17
49
$18.62
$30.41
$42.56
$27.42
50-59 years old
Face Value
$25,000
$50,000
$75,000
$100,000
50
$19.48
$32.76
$46.09
$29.84
51
$49.27
$70.84
$33.22
52
$54.61
$78.84
$36.94
53
$61.82
$89.67
$41.52
54
$61.87
$89.74
$46.28
55
$61.91
$89.80
$51.51
56
$57.02
57
$63.21
58
$70.09
59
60-69 years old
Face Value
$25,000
$50,000
$75,000
$100,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
Warning! You may not be able to qualify for the sample rates above. Life insurance companies consider factors like:
- Family history
- Occupational risk
- Travels
- or Hazardous hobbies
… while deciding if they’ll approve you.
First of all, we highly recommend you seek out the advice of a knowledgeable agent for this amount of coverage.
It’s imperative when you spend this sort of money to get placed with the insurance company that will treat you the fairest for any health condition you might have.
For example, every company rates the following health conditions slightly differently:
- diabetes
- sleep apnea
- history of heart disease
- history of cancer
- cigarette or cigar smoking
- overweight
- high blood pressure
- high cholesterol
Take a look at the sample life insurance rates by age below, and we’ll come back to how a good agent can save you money.
10 Year Term Life Insurance Rates
- Male
- Female
10 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$9.63
$14.05
$18.36
$21.30
21
$9.63
$14.05
$18.36
$21.30
22
$9.63
$14.05
$18.36
$21.30
23
$9.63
$14.05
$18.36
$21.30
24
$9.63
$14.05
$18.36
$21.30
25
$9.63
$14.05
$18.36
$21.30
26
$9.63
$14.05
$18.36
$21.30
27
$9.63
$14.05
$18.36
$21.30
28
$9.63
$14.05
$19.04
$21.30
29
$9.63
$14.05
$19.04
$21.30
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$9.63
$14.05
$19.04
$21.30
31
$9.63
$14.05
$19.04
$21.50
32
$9.63
$14.05
$19.04
$21.60
33
$9.63
$14.05
$19.04
$21.80
34
$9.63
$14.05
$19.04
$21.90
35
$9.63
$14.05
$19.04
$22.10
36
$10.00
$14.76
$19.04
$23.31
37
$10.40
$15.21
$19.71
$24.21
38
$10.80
$16.11
$21.06
$26.01
39
$11.25
$16.84
$22.41
$27.34
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$11.70
$17.46
$23.09
$28.71
41
$12.60
$19.26
$25.79
$32.30
42
$13.55
$21.51
$29.16
$35.70
43
$14.58
$23.76
$32.54
$39.40
44
$15.70
$26.10
$36.59
$43.50
45
$16.93
$28.50
$40.19
$47.80
46
$18.05
$30.70
$44.70
$52.30
47
$19.30
$33.10
$48.94
$57.20
48
$20.65
$35.70
$53.51
$62.50
49
$22.15
$38.60
$57.90
$68.40
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$23.80
$41.75
$62.63
$74.80
51
$26.20
$46.55
$69.83
$83.90
52
$28.80
$51.80
$77.53
$93.90
53
$31.68
$57.55
$86.33
$104.80
54
$34.80
$63.80
$95.70
$116.70
55
$38.20
$70.65
$105.26
$129.60
56
$41.63
$77.25
$115.17
$142.90
57
$45.33
$84.35
$125.08
$157.20
58
$49.35
$92.10
$138.15
$172.70
59
$54.40
$101.85
$152.78
$192.30
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$60.10
$112.75
$169.13
$214.20
61
$67.63
$127.20
$190.80
$240.70
62
$75.90
$143.25
$211.71
$270.10
63
$84.70
$160.75
$238.68
$302.20
64
$94.82
$179.60
$269.40
$336.80
65
$105.35
$199.45
$299.18
$373.20
66
$117.60
$221.95
$330.27
$409.90
67
$130.30
$239.85
$355.28
$448.00
68
$145.67
$259.09
$384.13
$500.50
69
$158.21
$285.59
$423.89
$553.64
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$172.48
$321.93
$478.40
$609.50
71
$198.00
$367.67
$547.01
$716.09
72
$226.76
$420.26
$625.88
$819.54
73
$262.44
$483.53
$720.79
$943.52
74
$299.85
$560.05
$835.57
$1,094.85
75
$342.24
$654.90
$982.35
$1,241.30
76
$407.98
$798.74
$1,195.34
$1,474.44
77
$482.58
$943.63
$1,412.67
$1,685.64
78
$574.71
$1,117.38
$1,673.88
$1,939.96
79
$671.15
$1,310.82
$1,963.46
$2,243.56
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
80
$748.35
$1,490.57
$2,232.79
$2,604.36
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
10 Year Term Life Insurance Rates
- Male
- Female
10 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$8.80
$12.32
$15.40
$18.48
21
$8.80
$12.32
$15.40
$18.48
22
$8.80
$12.32
$15.40
$18.48
23
$8.80
$12.32
$15.40
$18.48
24
$8.80
$12.40
$16.06
$18.80
25
$8.80
$12.40
$16.06
$18.80
26
$8.80
$12.40
$16.34
$18.80
27
$8.80
$12.40
$16.34
$18.80
28
$8.80
$12.40
$16.34
$18.80
29
$8.80
$12.40
$16.34
$18.80
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$8.80
$12.40
$16.34
$18.80
31
$8.83
$12.50
$16.34
$19.00
32
$8.85
$12.55
$16.34
$19.10
33
$8.90
$12.65
$17.01
$19.30
34
$8.95
$12.75
$17.01
$19.50
35
$9.00
$12.85
$17.01
$19.70
36
$9.33
$13.50
$17.69
$20.80
37
$9.68
$13.86
$17.69
$21.51
38
$10.05
$14.31
$18.36
$22.41
39
$10.45
$15.21
$19.71
$24.21
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$10.88
$16.11
$21.06
$26.01
41
$11.60
$17.91
$23.76
$28.90
42
$12.38
$19.55
$26.46
$31.80
43
$13.25
$21.06
$28.49
$35.10
44
$14.20
$23.15
$32.54
$38.60
45
$15.25
$25.20
$35.91
$42.50
46
$16.08
$26.85
$38.72
$45.80
47
$17.00
$28.65
$41.34
$49.40
48
$18.03
$30.70
$44.63
$53.40
49
$19.18
$33.00
$47.91
$57.90
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$20.45
$35.55
$51.84
$63.00
51
$21.90
$38.25
$55.72
$68.20
52
$23.50
$41.25
$59.65
$74.00
53
$25.25
$44.60
$64.84
$80.50
54
$27.25
$48.35
$71.27
$87.70
55
$29.43
$52.45
$77.53
$95.70
56
$31.43
$56.15
$83.21
$102.60
57
$33.60
$60.20
$88.09
$110.20
58
$36.03
$63.95
$93.31
$118.50
59
$38.93
$69.60
$101.79
$128.60
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$42.15
$76.00
$114.00
$139.80
61
$46.38
$84.20
$125.41
$155.20
62
$51.05
$93.30
$136.70
$172.20
63
$56.10
$103.15
$151.73
$190.60
64
$61.43
$113.55
$169.31
$204.80
65
$66.98
$124.30
$186.45
$227.88
66
$73.85
$136.95
$203.94
$246.69
67
$80.80
$149.65
$219.97
$266.36
68
$89.75
$162.47
$239.21
$289.44
69
$98.88
$180.00
$265.50
$321.93
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$108.25
$200.30
$300.45
$372.38
71
$130.59
$242.24
$359.43
$439.07
72
$151.59
$277.03
$411.60
$514.76
73
$176.09
$323.44
$481.23
$600.78
74
$201.24
$381.41
$568.18
$706.19
75
$223.52
$424.50
$636.75
$787.70
76
$269.58
$528.43
$789.87
$912.12
77
$321.48
$627.51
$937.32
$1,029.16
78
$385.92
$749.00
$1,121.31
$1,173.48
79
$453.39
$890.31
$1,333.28
$1,352.12
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
80
$529.94
$1,054.35
$1,578.75
$1,569.48
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
20 Year Term Life Insurance Rates
- Male
- Female
20 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$11.81
$14.08
$18.04
$22.00
21
$11.81
$14.52
$18.70
$22.88
22
$11.81
$14.96
$19.36
$23.76
23
$11.81
$15.40
$20.02
$24.64
24
$11.81
$15.84
$20.68
$25.52
25
$11.81
$16.28
$21.34
$26.40
26
$11.81
$16.72
$22.00
$27.28
27
$11.81
$17.60
$23.32
$29.04
28
$12.02
$17.63
$24.28
$29.50
29
$12.02
$18.06
$24.35
$29.70
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$12.02
$18.06
$24.35
$29.90
31
$12.20
$18.35
$25.00
$30.30
32
$12.24
$18.50
$25.46
$30.60
33
$12.38
$18.70
$25.79
$31.00
34
$12.45
$18.85
$26.62
$31.50
35
$12.55
$19.05
$26.82
$31.90
36
$13.10
$20.20
$28.49
$34.10
37
$13.68
$21.40
$29.84
$36.50
38
$14.30
$22.70
$31.86
$39.00
39
$14.95
$24.10
$34.56
$41.70
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$15.68
$25.65
$37.85
$44.60
41
$16.93
$28.00
$40.69
$49.10
42
$18.30
$30.60
$45.36
$54.00
43
$19.83
$33.45
$49.46
$59.50
44
$21.48
$36.60
$54.68
$65.40
45
$23.30
$40.10
$58.73
$72.00
46
$24.70
$42.70
$63.00
$77.20
47
$26.25
$45.60
$66.94
$83.10
48
$28.00
$48.85
$72.19
$89.60
49
$29.95
$52.55
$78.29
$96.90
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$32.15
$56.60
$84.66
$105.10
51
$35.10
$62.30
$92.73
$115.50
52
$38.40
$68.60
$100.87
$127.20
53
$42.08
$75.60
$111.69
$140.10
54
$46.18
$83.45
$125.15
$154.60
55
$50.52
$92.10
$138.15
$170.50
56
$55.25
$100.10
$150.15
$186.70
57
$59.81
$108.80
$162.49
$204.40
58
$65.03
$118.40
$177.60
$224.00
59
$72.33
$130.00
$195.00
$247.60
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$79.70
$142.90
$214.35
$273.90
61
$90.00
$162.95
$244.43
$312.61
62
$99.44
$184.67
$273.07
$347.21
63
$107.14
$205.92
$304.70
$389.40
64
$117.48
$226.60
$335.72
$435.16
65
$128.92
$249.48
$370.04
$486.48
66
$159.07
$306.56
$457.07
$566.06
67
$180.48
$348.60
$518.96
$656.02
68
$206.86
$400.97
$597.52
$767.60
69
$234.54
$461.39
$689.32
$884.38
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$265.90
$525.83
$785.98
$1,016.72
71
72
73
74
75
76
77
78
79
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
20 Year Term Life Insurance Rates
- Male
- Female
20 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$11.81
$14.08
$18.04
$22.00
21
$11.81
$14.52
$18.70
$22.88
22
$11.81
$14.96
$19.36
$23.76
23
$11.81
$15.40
$20.02
$24.64
24
$11.81
$15.84
$20.68
$25.52
25
$11.81
$16.28
$21.34
$26.40
26
$11.81
$16.72
$22.00
$27.28
27
$11.81
$17.60
$23.32
$29.04
28
$12.02
$17.63
$24.28
$29.50
29
$12.02
$18.06
$24.35
$29.70
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$12.02
$18.06
$24.35
$29.90
31
$12.20
$18.35
$25.00
$30.30
32
$12.24
$18.50
$25.46
$30.60
33
$12.38
$18.70
$25.79
$31.00
34
$12.45
$18.85
$26.62
$31.50
35
$12.55
$19.05
$26.82
$31.90
36
$13.10
$20.20
$28.49
$34.10
37
$13.68
$21.40
$29.84
$36.50
38
$14.30
$22.70
$31.86
$39.00
39
$14.95
$24.10
$34.56
$41.70
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$15.68
$25.65
$37.85
$44.60
41
$16.93
$28.00
$40.69
$49.10
42
$18.30
$30.60
$45.36
$54.00
43
$19.83
$33.45
$49.46
$59.50
44
$21.48
$36.60
$54.68
$65.40
45
$23.30
$40.10
$58.73
$72.00
46
$24.70
$42.70
$63.00
$77.20
47
$26.25
$45.60
$66.94
$83.10
48
$28.00
$48.85
$72.19
$89.60
49
$29.95
$52.55
$78.29
$96.90
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$32.15
$56.60
$84.66
$105.10
51
$35.10
$62.30
$92.73
$115.50
52
$38.40
$68.60
$100.87
$127.20
53
$42.08
$75.60
$111.69
$140.10
54
$46.18
$83.45
$125.15
$154.60
55
$50.52
$92.10
$138.15
$170.50
56
$55.25
$100.10
$150.15
$186.70
57
$59.81
$108.80
$162.49
$204.40
58
$65.03
$118.40
$177.60
$224.00
59
$72.33
$130.00
$195.00
$247.60
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
$79.70
$142.90
$214.35
$273.90
61
$90.00
$162.95
$244.43
$312.61
62
$99.44
$184.67
$273.07
$347.21
63
$107.14
$205.92
$304.70
$389.40
64
$117.48
$226.60
$335.72
$435.16
65
$128.92
$249.48
$370.04
$486.48
66
$159.07
$306.56
$457.07
$566.06
67
$180.48
$348.60
$518.96
$656.02
68
$206.86
$400.97
$597.52
$767.60
69
$234.54
$461.39
$689.32
$884.38
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
70
$265.90
$525.83
$785.98
$1,016.72
71
72
73
74
75
76
77
78
79
80 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
30 Year Term Life Insurance Rates
- Male
- Female
30 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$19.63
$24.64
$33.88
$43.12
21
$19.65
$25.08
$34.54
$44.00
22
$19.65
$25.52
$35.20
$44.88
23
$19.68
$26.40
$36.52
$46.64
24
$19.70
$27.28
$37.84
$48.40
25
$19.73
$28.60
$39.82
$51.04
26
$19.93
$29.92
$41.80
$53.68
27
$20.15
$31.24
$43.78
$56.32
28
$20.33
$33.00
$46.42
$58.20
29
$20.43
$33.65
$47.70
$59.40
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$20.43
$33.97
$48.35
$60.50
31
$21.05
$34.83
$49.65
$62.30
32
$21.43
$35.81
$50.95
$64.00
33
$21.97
$36.68
$52.25
$65.60
34
$22.58
$37.97
$54.19
$67.82
35
$23.22
$39.13
$56.14
$70.00
36
$24.35
$41.80
$60.03
$75.30
37
$25.65
$44.40
$63.19
$80.79
38
$27.38
$47.25
$69.11
$87.71
39
$28.89
$50.85
$74.30
$95.50
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$30.75
$53.95
$79.70
$102.34
41
$33.43
$60.03
$87.28
$112.80
42
$36.24
$64.79
$94.41
$122.31
43
$39.60
$71.28
$104.15
$135.29
44
$42.68
$78.20
$114.53
$148.23
45
$46.20
$85.55
$125.55
$163.40
46
$50.60
$93.33
$137.23
$178.54
47
$55.44
$101.98
$150.21
$193.64
48
$61.11
$112.80
$166.43
$212.63
49
$66.73
$124.04
$183.29
$235.63
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$72.67
$134.35
$198.94
$258.39
51
$82.09
$155.61
$230.65
$295.31
52
$92.47
$176.18
$260.33
$331.19
53
$105.23
$200.90
$297.41
$378.70
54
$118.63
$229.57
$341.59
$435.44
55
$133.77
$258.86
$387.00
$490.20
56
$151.15
$288.10
$430.86
$549.54
57
$168.78
$320.78
$479.88
$615.76
58
$187.70
$356.47
$533.42
$679.40
59
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
60
61
62
63
64
65
66
67
68
69
70-79 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
30 Year Term Life Insurance Rates
- Male
- Female
30 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
20
$16.23
$17.16
$22.66
$28.16
21
$16.25
$17.60
$23.32
$29.04
22
$16.28
$18.48
$24.64
$30.80
23
$16.30
$18.92
$25.30
$31.68
24
$16.33
$20.24
$27.28
$34.32
25
$16.35
$21.12
$28.60
$36.08
26
$16.55
$22.44
$30.58
$38.72
27
$16.75
$23.76
$32.56
$41.36
28
$17.00
$25.08
$34.54
$44.00
29
$17.21
$26.84
$37.18
$47.52
30-39 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
30
$17.63
$28.08
$39.53
$49.02
31
$17.86
$28.94
$40.82
$50.74
32
$18.29
$30.05
$42.51
$52.46
33
$18.73
$31.05
$43.81
$54.40
34
$19.16
$31.92
$45.11
$56.70
35
$19.59
$33.11
$47.06
$58.48
36
$20.46
$34.95
$49.65
$62.64
37
$21.54
$37.11
$52.89
$66.99
38
$22.62
$39.27
$56.14
$71.70
39
$23.92
$41.04
$58.97
$76.03
40-49 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
40
$25.43
$43.20
$62.21
$80.35
41
$27.16
$47.92
$69.11
$89.10
42
$29.32
$51.81
$74.95
$96.36
43
$31.83
$56.14
$81.38
$104.15
44
$34.27
$60.85
$88.58
$113.66
45
$37.41
$66.00
$96.36
$123.18
46
$39.92
$71.28
$104.15
$130.96
47
$42.73
$77.33
$112.22
$139.61
48
$46.19
$84.60
$123.38
$149.99
49
$49.87
$92.47
$135.93
$161.24
50-59 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
50
$53.98
$101.12
$148.91
$173.35
51
$60.25
$112.90
$167.72
$199.30
52
$67.17
$127.40
$187.16
$227.06
53
$76.03
$144.11
$212.23
$261.71
54
$85.12
$162.90
$242.33
$302.20
55
$95.50
$183.35
$273.47
$343.20
56
$117.18
$222.74
$332.82
$436.88
57
$130.72
$248.54
$371.52
$486.76
58
$145.77
$276.92
$414.09
$541.80
59
60-69 years old
Face Value
$250,000
$500,000
$750,000
$1,000,000
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
How a Good Independent Agent Can Save you Money:
Take the 20 year term sample rate for a 50 year old for $500,000. It costs $81.81 per month.
That’s what a healthy male would pay who qualifies for the “preferred best” health category. However, let’s say this individual takes medication for high blood pressure. Many companies DON’T ACCEPT individuals for the “best rate” if they take medication for high blood pressure, so rather than paying $81.81, this man could end up paying closer to $102 per month, a 25% increase. But had he come to an agent who knew which companies allow treatment for blood pressure, he could have maintained his best rating, and saved $4,908 over the life of the 20 year term.
For more information about the average premium of term life for the following death benefit amounts: $250,000, $500,000, $750,000 or $1,000,000, please visit:
As described above in our section for 250k to 1 million of coverage, you definitely want to seek out the counsel of an insurance advisor for face values over 1 million.
Our team here at JRC Insurance Group is well versed on the needs of our higher income clients needing these levels of coverage, especially surrounding:
- estate planning – liquidity needs and tax considerations
- income replacement
- charitable giving
10 Year Term Life Insurance Rates
- Male
- Female
10 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
2 Million
3 Million
4 Million
5 Million
20
$38.61
$54.81
$71.01
$87.21
21
$38.61
$54.81
$71.01
$87.21
22
$38.61
$54.81
$71.01
$87.21
23
$38.61
$54.81
$71.01
$87.21
24
$38.61
$54.81
$71.01
$87.21
25
$38.61
$54.81
$71.01
$87.21
26
$38.61
$54.81
$71.01
$87.21
27
$38.61
$54.81
$71.01
$87.21
28
$40.04
$55.88
$71.72
$87.56
29
$40.04
$55.88
$71.72
$87.56
30-39 years old
Face Value
2 Million
3 Million
4 Million
5 Million
30
$40.41
$57.51
$74.61
$91.71
31
$40.41
$57.51
$74.61
$91.71
32
$40.41
$57.51
$74.61
$91.71
33
$40.41
$57.51
$74.61
$91.71
34
$40.41
$57.51
$74.61
$91.71
35
$40.41
$57.51
$74.61
$91.71
36
$40.41
$57.51
$74.61
$91.71
37
$42.21
$60.21
$78.21
$96.21
38
$45.81
$65.61
$85.41
$105.21
39
$49.22
$71.01
$92.61
$114.21
40-49 years old
Face Value
2 Million
3 Million
4 Million
5 Million
40
$51.21
$73.71
$96.21
$118.71
41
$58.41
$84.51
$110.61
$136.71
42
$67.41
$98.01
$128.61
$159.21
43
$76.41
$111.51
$146.61
$181.71
44
$85.41
$125.01
$164.61
$204.21
45
$91.35
$133.09
$174.83
$216.56
46
$99.75
$145.69
$191.63
$237.56
47
$108.15
$158.29
$208.43
$258.56
48
$119.35
$175.09
$230.83
$286.56
49
$132.12
$193.68
$255.24
$316.80
50-59 years old
Face Value
2 Million
3 Million
4 Million
5 Million
50
$147.18
$216.83
$286.48
$356.13
51
$164.15
$242.29
$320.43
$398.56
52
$181.13
$267.75
$354.38
$441.00
53
$203.88
$301.88
$399.88
$497.88
54
$231.30
$342.45
$453.60
$564.75
55
$259.20
$386.93
$513.28
$639.63
56
$285.80
$426.04
$565.43
$704.81
57
$312.90
$465.41
$617.93
$770.44
58
$345.40
$517.65
$687.58
$857.50
59
$384.60
$576.90
$769.20
$961.50
60-69 years old
Face Value
2 Million
3 Million
4 Million
5 Million
60
$428.40
$642.60
$856.80
$1,071.00
61
$481.40
$722.10
$960.58
$1,198.75
62
$533.93
$796.95
$1,059.98
$1,323.00
63
$600.08
$896.18
$1,192.28
$1,488.38
64
$673.60
$1,010.40
$1,347.20
$1,684.00
65
$746.40
$1,119.60
$1,492.80
$1,866.00
66
$819.80
$1,229.70
$1,639.60
$2,049.50
67
$896.00
$1,344.00
$1,792.00
$2,240.00
68
$993.96
$1,486.44
$1,978.92
$2,471.40
69
$1,098.27
$1,642.91
$2,187.54
$2,732.18
70-79 years old
Face Value
2 Million
3 Million
4 Million
5 Million
70
$1,219.00
$1,828.50
$2,438.00
$3,047.50
71
$1,423.17
$2,130.26
$2,837.34
$3,544.43
72
$1,630.08
$2,440.62
$3,251.16
$4,061.70
73
$1,878.03
$2,812.55
$3,747.06
$4,681.58
74
$2,180.70
$3,266.55
$4,352.40
$5,438.25
75
$2,482.60
$3,723.90
$4,965.20
$6,206.50
76
$2,940.52
$4,406.60
$5,872.68
$7,338.76
77
$3,362.92
$5,040.20
$6,717.48
$8,394.76
78
$3,871.56
$5,803.16
$7,734.76
$9,666.36
79
$4,478.76
$6,713.96
$8,949.16
$11,184.36
80 years old
Face Value
2 Million
3 Million
4 Million
5 Million
80
$5,200.36
$7,796.36
$10,392.36
$12,988.36
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
10 Year Term Life Insurance Rates
- Male
- Female
10 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
2 Million
3 Million
4 Million
5 Million
20
$30.80
$43.12
$55.44
$67.76
21
$30.80
$43.12
$55.44
$67.76
22
$30.80
$43.12
$55.44
$67.76
23
$30.80
$43.12
$55.44
$67.76
24
$32.56
$45.76
$58.96
$72.16
25
$32.56
$45.76
$58.96
$72.16
26
$33.21
$46.71
$60.21
$73.71
27
$33.21
$46.71
$60.21
$73.71
28
$33.21
$46.71
$60.21
$73.71
29
$33.21
$46.71
$60.21
$73.71
30-39 years old
Face Value
2 Million
3 Million
4 Million
5 Million
30
$33.21
$46.71
$60.21
$73.71
31
$33.21
$46.71
$60.21
$73.71
32
$33.21
$46.71
$60.21
$73.71
33
$34.80
$49.41
$63.81
$78.21
34
$34.80
$49.41
$63.81
$78.21
35
$35.01
$49.41
$63.81
$78.21
36
$36.81
$52.11
$67.41
$82.71
37
$36.81
$52.11
$67.41
$82.71
38
$38.61
$54.81
$71.01
$87.21
39
$42.21
$60.21
$78.21
$96.21
40-49 years old
Face Value
2 Million
3 Million
4 Million
5 Million
40
$45.81
$65.61
$85.41
$105.21
41
$53.01
$76.41
$99.81
$123.21
42
$59.94
$87.21
$114.21
$141.21
43
$65.61
$95.31
$125.01
$154.71
44
$75.53
$110.01
$144.38
$178.50
45
$80.33
$116.55
$152.78
$189.00
46
$86.63
$126.00
$165.38
$204.75
47
$92.93
$135.45
$177.98
$220.50
48
$101.33
$148.05
$194.78
$241.50
49
$111.65
$163.54
$215.43
$267.31
50-59 years old
Face Value
2 Million
3 Million
4 Million
5 Million
50
$122.15
$179.29
$236.43
$293.56
51
$132.83
$195.30
$257.78
$320.25
52
$143.68
$211.58
$279.75
$347.38
53
$158.03
$233.10
$308.18
$383.25
54
$173.80
$256.52
$339.24
$421.96
55
$186.12
$275.00
$363.88
$452.76
56
$205.20
$306.34
$405.83
$505.31
57
$219.68
$326.29
$432.43
$538.56
58
$232.29
$345.83
$459.36
$572.90
59
$253.17
$377.15
$501.12
$625.10
60-69 years old
Face Value
2 Million
3 Million
4 Million
5 Million
60
$279.60
$418.69
$555.63
$692.56
61
$309.40
$460.16
$610.93
$761.69
62
$337.23
$501.90
$666.58
$831.25
63
$373.23
$555.35
$737.46
$919.58
64
$400.59
$596.39
$792.18
$987.98
65
$446.76
$665.64
$884.52
$1,103.40
66
$484.38
$722.07
$959.76
$1,197.45
67
$523.71
$781.07
$1,038.42
$1,295.78
68
$569.88
$850.32
$1,130.76
$1,411.20
69
$634.86
$947.79
$1,260.72
$1,573.65
70-79 years old
Face Value
2 Million
3 Million
4 Million
5 Million
70
$735.75
$1,099.13
$1,462.50
$1,825.88
71
$869.13
$1,299.20
$1,729.26
$2,159.33
72
$1,021.65
$1,528.54
$2,035.42
$2,542.31
73
$1,193.67
$1,786.58
$2,379.47
$2,972.38
74
$1,406.84
$2,107.49
$2,808.00
$3,508.79
75
$1,575.40
$2,363.10
$3,150.00
$3,938.50
76
$1,815.88
$2,719.64
$3,623.40
$4,527.16
77
$2,049.96
$3,070.76
$4,091.56
$5,112.36
78
$2,338.60
$3,503.72
$4,668.84
$5,833.96
79
$2,695.88
$4,039.64
$5,383.40
$6,727.16
80 years old
Face Value
2 Million
3 Million
4 Million
5 Million
80
$3,130.60
$4,691.72
$6,252.84
$7,813.96
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
20 Year Term Life Insurance Rates
- Male
- Female
20 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
2 Million
3 Million
4 Million
5 Million
20
$66.09
$96.36
$126.64
$156.91
21
$66.09
$96.36
$126.64
$156.91
22
$66.09
$96.36
$126.64
$156.91
23
$66.09
$96.36
$126.64
$156.91
24
$66.09
$96.36
$126.64
$156.91
25
$66.09
$96.36
$126.64
$156.91
26
$66.09
$96.36
$126.64
$156.91
27
$66.09
$96.36
$126.64
$156.91
28
$66.99
$97.88
$128.76
$159.65
29
$66.99
$97.88
$128.76
$159.65
30-39 years old
Face Value
2 Million
3 Million
4 Million
5 Million
30
$67.82
$98.96
$130.10
$161.24
31
$67.82
$98.96
$130.10
$161.24
32
$69.55
$101.55
$133.56
$165.56
33
$69.55
$101.55
$133.56
$165.56
34
$69.55
$101.55
$133.56
$165.56
35
$71.28
$104.15
$137.02
$169.89
36
$76.47
$111.93
$147.40
$182.86
37
$81.66
$119.72
$157.78
$195.84
38
$90.31
$132.69
$175.08
$217.46
39
$97.23
$143.07
$188.92
$234.76
40-49 years old
Face Value
2 Million
3 Million
4 Million
5 Million
40
$105.60
$156.05
$206.22
$256.39
41
$117.99
$174.21
$230.44
$286.66
42
$133.56
$197.57
$261.58
$325.59
43
$150.86
$223.52
$296.18
$368.84
44
$169.89
$252.06
$334.24
$416.41
45
$188.65
$279.04
$369.43
$459.81
46
$204.23
$302.40
$400.58
$498.75
47
$219.80
$325.76
$431.73
$537.69
48
$240.45
$356.74
$473.03
$589.31
49
$266.35
$395.59
$524.83
$654.06
50-59 years old
Face Value
2 Million
3 Million
4 Million
5 Million
50
$292.00
$434.44
$576.63
$718.81
51
$320.60
$476.96
$633.33
$789.69
52
$348.78
$519.23
$689.68
$860.13
53
$386.58
$575.93
$765.28
$954.63
54
$429.20
$643.80
$857.06
$1,069.69
55
$471.80
$707.70
$943.60
$1,179.50
56
$525.20
$787.80
$1,050.40
$1,313.00
57
$583.20
$874.80
$1,166.03
$1,455.56
58
$646.00
$969.00
$1,292.00
$1,615.00
59
$724.80
$1,087.20
$1,449.60
$1,812.00
60-69 years old
Face Value
2 Million
3 Million
4 Million
5 Million
60
$813.40
$1,220.10
$1,626.80
$2,033.50
61
$936.40
$1,404.60
$1,872.80
$2,341.00
62
$1,059.63
$1,585.50
$2,111.38
$2,637.25
63
$1,209.42
$1,810.20
$2,410.97
$3,011.75
64
$1,354.99
$2,029.20
$2,703.42
$3,377.63
65
$1,552.40
$2,328.60
$3,104.80
$3,881.00
66
$1,804.74
$2,704.34
$2,603.64
$4,503.54
67
$2,052.22
$3,074.40
$4,096.57
$5,118.75
68
$2,364.43
$3,542.70
$4,720.98
$5,899.25
69
$2,733.75
$4,097.85
$5,461.96
$6,826.06
70-79 years old
Face Value
2 Million
3 Million
4 Million
5 Million
70
$3,103.74
$4,654.32
$6,204.90
$7,755.48
71
72
73
74
75
76
77
78
79
80 years old
Face Value
2 Million
3 Million
4 Million
5 Million
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
20 Year Term Life Insurance Rates
- Male
- Female
20 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
2 Million
3 Million
4 Million
5 Million
20
$37.84
$53.68
$69.52
$85.36
21
$39.60
$56.32
$73.04
$89.76
22
$41.36
$58.96
$76.56
$94.16
23
$43.12
$61.60
$80.08
$98.56
24
$44.88
$64.24
$83.60
$102.96
25
$46.64
$66.88
$87.12
$107.36
26
$48.40
$69.52
$90.64
$111.76
27
$51.92
$74.80
$97.68
$120.56
28
$54.78
$79.54
$104.30
$129.06
29
$55.68
$80.09
$105.04
$129.98
30-39 years old
Face Value
2 Million
3 Million
4 Million
5 Million
30
$55.54
$80.68
$105.83
$130.96
31
$56.32
$81.86
$107.39
$132.93
32
$57.09
$83.01
$108.93
$134.85
33
$58.41
$84.51
$110.61
$136.71
34
$60.21
$87.21
$114.21
$141.21
35
$62.01
$89.91
$117.81
$145.71
36
$65.61
$95.31
$125.01
$154.71
37
$67.41
$98.01
$128.61
$159.21
38
$72.81
$106.11
$139.41
$172.71
39
$81.81
$119.61
$157.41
$195.21
40-49 years old
Face Value
2 Million
3 Million
4 Million
5 Million
40
$87.21
$127.71
$168.21
$208.71
41
$98.01
$143.91
$189.81
$235.71
42
$108.00
$160.11
$211.41
$262.71
43
$118.15
$174.61
$231.07
$287.54
44
$130.38
$191.63
$252.88
$314.13
45
$141.23
$207.90
$274.58
$341.25
46
$151.55
$223.39
$295.23
$367.06
47
$161.88
$238.88
$315.88
$392.88
48
$175.53
$259.35
$343.18
$427.00
49
$192.68
$285.08
$377.48
$469.88
50-59 years old
Face Value
2 Million
3 Million
4 Million
5 Million
50
$209.83
$310.80
$411.78
$512.75
51
$230.13
$341.25
$452.38
$563.50
52
$250.43
$371.70
$492.98
$614.25
53
$277.55
$412.39
$547.23
$682.06
54
$309.20
$463.31
$615.13
$766.94
55
$341.00
$511.50
$682.00
$851.38
56
$373.40
$560.10
$746.80
$931.88
57
$408.80
$610.58
$811.48
$1,012.38
58
$448.00
$672.00
$896.00
$1,119.56
59
$495.20
$742.80
$990.40
$1,238.00
60-69 years old
Face Value
2 Million
3 Million
4 Million
5 Million
60
$547.80
$821.70
$1,095.60
$1,369.50
61
$619.69
$926.76
$1,233.84
$1,540.91
62
$688.89
$1,030.56
$1,372.24
$1,713.91
63
$773.08
$1,156.76
$1,540.44
$1,924.12
64
$864.60
$1,294.04
$1,723.48
$2,152.92
65
$967.42
$1,447.16
$1,926.76
$2,406.36
66
$1,126.58
$1,687.10
$2,247.62
$2,808.14
67
$1,306.50
$1,956.98
$2,607.46
$3,257.94
68
$1,529.67
$2,291.73
$3,053.80
$3,815.86
69
$1,763.22
$2,642.06
$3,520.90
$4,399.74
70-79 years old
Face Value
2 Million
3 Million
4 Million
5 Million
70
$2,027.91
$3,039.09
$4,050.28
$5,061.46
71
72
73
74
75
76
77
78
79
80 years old
Face Value
2 Million
3 Million
4 Million
5 Million
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
30 Year Term Life Insurance Rates
- Male
- Female
30 year term pricing samples below are based on a healthy, non smoking male, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
2 Million
3 Million
4 Million
5 Million
20
$80.08
$117.04
$154.00
$190.96
21
$81.84
$119.68
$157.52
$195.36
22
$83.60
$122.32
$161.04
$199.76
23
$87.12
$127.60
$168.08
$208.56
24
$90.64
$132.88
$175.12
$217.36
25
$95.92
$140.80
$185.68
$230.56
26
$101.20
$148.72
$196.24
$243.76
27
$106.48
$156.64
$206.80
$256.96
28
$112.80
$166.43
$220.06
$273.69
29
$114.53
$169.02
$223.52
$278.01
30-39 years old
Face Value
2 Million
3 Million
4 Million
5 Million
30
$117.99
$174.21
$230.44
$286.66
31
$121.45
$179.40
$237.36
$295.31
32
$123.18
$182.00
$240.82
$299.64
33
$126.64
$187.19
$247.74
$308.29
34
$130.10
$192.38
$254.66
$316.94
35
$135.29
$200.16
$265.04
$329.91
36
$145.67
$215.73
$285.80
$355.86
37
$156.05
$231.30
$306.56
$381.81
38
$169.89
$252.06
$334.24
$416.41
39
$185.46
$275.42
$365.38
$455.34
40-49 years old
Face Value
2 Million
3 Million
4 Million
5 Million
40
$200.45
$298.08
$395.71
$493.34
41
$220.06
$327.32
$434.58
$541.84
42
$239.09
$355.86
$472.64
$589.41
43
$265.04
$394.79
$524.54
$654.29
44
$289.91
$431.58
$573.25
$714.92
45
$322.13
$480.11
$637.53
$794.94
46
$351.05
$522.64
$694.23
$865.81
47
$379.40
$565.16
$750.93
$936.69
48
$417.38
$622.13
$826.88
$1,031.63
49
$464.63
$693.00
$921.38
$1,149.75
50-59 years old
Face Value
2 Million
3 Million
4 Million
5 Million
50
$511.56
$736.88
$1,015.88
$1,267.88
51
$583.10
$870.11
$1,158.33
$1,445.94
52
$654.50
$977.81
$1,301.13
$1,624.44
53
$749.53
$1,120.35
$1,491.17
$1,862.00
54
$865.35
$1,295.25
$1,725.16
$2,155.06
55
$977.82
$1,465.44
$1,953.06
$2,440.68
56
$1,096.50
$1,643.46
$2,190.42
$2,737.38
57
$1,228.94
$1,842.12
$2,455.30
$3,068.48
58
$1,356.22
$2,033.04
$2,709.86
$3,386.68
59
60-69 years old
Face Value
2 Million
3 Million
4 Million
5 Million
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a male, in excellent health, non-smoker, and are subject to change.
30 Year Term Life Insurance Rates
- Male
- Female
30 year term pricing samples below are based on a healthy, non smoking female, who qualifies for a Preferred Plus rating.
20-29 years old
Face Value
2 Million
3 Million
4 Million
5 Million
20
$50.16
$72.19
$94.16
$116.16
21
$51.92
$74.80
$97.68
$120.56
22
$55.44
$80.08
$104.72
$129.36
23
$57.20
$82.72
$108.24
$133.76
24
$62.48
$90.64
$118.80
$146.96
25
$66.00
$95.92
$125.84
$155.76
26
$71.28
$103.84
$136.40
$168.96
27
$76.56
$111.76
$146.96
$182.16
28
$81.84
$119.68
$157.52
$195.36
29
$88.88
$130.24
$171.60
$212.96
30-39 years old
Face Value
2 Million
3 Million
4 Million
5 Million
30
$93.31
$137.38
$181.44
$225.50
31
$96.77
$142.56
$188.35
$234.14
32
$100.69
$148.26
$195.84
$243.41
33
$104.15
$153.45
$202.76
$252.06
34
$109.34
$161.24
$213.14
$265.04
35
$113.10
$167.04
$220.98
$274.92
36
$102.06
$177.48
$234.90
$292.32
37
$128.76
$190.53
$251.91
$313.25
38
$138.24
$204.77
$271.30
$337.82
39
$146.88
$217.73
$288.58
$359.42
40-49 years old
Face Value
2 Million
3 Million
4 Million
5 Million
40
$155.52
$230.69
$305.86
$381.02
41
$173.35
$257.25
$341.16
$425.06
42
$187.19
$278.01
$368.38
$258.50
43
$202.76
$301.37
$399.88
$497.88
44
$221.79
$329.52
$437.17
$544.82
45
$240.87
$358.46
$476.10
$593.74
46
$256.39
$381.81
$507.24
$632.66
47
$273.53
$406.35
$539.18
$672.00
48
$293.13
$435.75
$578.38
$721.00
49
$316.94
$472.50
$627.38
$782.25
50-59 years old
Face Value
2 Million
3 Million
4 Million
5 Million
50
$341.16
$508.97
$676.38
$843.50
51
$393.06
$586.82
$780.33
$973.44
52
$446.25
$665.44
$884.63
$1,103.81
53
$515.55
$769.39
$1,023.23
$1,277.06
54
$600.66
$898.22
$1,195.78
$1,493.34
55
$686.40
$1,027.97
$1,368.78
$1,709.59
56
$871.18
$1,305.48
$1,750.10
$2,186.98
57
$970.94
$1,455.12
$1,949.62
$2,436.38
58
$1,081.02
$1,620.24
$2,169.78
$2,711.58
59
60-69 years old
Face Value
2 Million
3 Million
4 Million
5 Million
*All quotes are based on a monthly premium and valid as of 02/01/16. Quotes are for a female, in excellent health, non-smoker, and are subject to change.
Also be sure to see our article for individuals in excellent health.
As you can see from the sample quotes above, searching for life insurance can be a bit confusing, especially when it comes to how much coverage you need or which term length is right for you.
If you have any questions, call your friend in the insurance industry, JRC Insurance Group, at 855-247-9555. Our team is eagerly waiting to help you!
