Life Insurance Rates by Age – What Does Life Insurance Cost?

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. These policies are usually best for:

Middle Aged Applicants that Plan to Retire within 10 Years
Collateralizing An SBA Loan (or any type of business loan)
Cigarette Smokers (that plan to quit, or anyone with a health issue that should improve)

Below we’ve provided quotes for $250,000 to $1,000,000 in coverage.

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

$9.68

$13.33

$17.00

$18.92

21

$9.68

$13.33

$17.00

$18.92

22

$9.68

$13.33

$17.00

$18.06

23

$9.68

$13.33

$17.00

$18.06

24

$9.68

$13.33

$17.00

$17.20

25

$9.68

$13.33

$17.00

$17.20

26

$9.68

$13.33

$17.00

$17.20

27

$9.68

$13.33

$17.00

$18.06

28

$9.68

$13.33

$17.00

$18.06

29

$9.68

$13.33

$17.00

$18.92

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$9.68

$13.33

$17.00

$18.92

31

$9.68

$13.33

$17.13

$18.92

32

$9.68

$13.64

$17.16

$18.92

33

$9.68

$13.64

$17.16

$18.92

34

$9.68

$13.64

$17.16

$18.92

35

$9.68

$14.06

$17.99

$18.92

36

$10.10

$14.62

$19.00

$19.78

37

$10.40

$15.48

$19.96

$20.64

38

$10.82

$15.91

$21.27

$21.50

39

$11.32

$16.77

$22.71

$22.36

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$11.83

$17.20

$24.48

$23.22

41

$12.82

$19.35

$26.58

$27.52

42

$13.80

$21.07

$28.75

$31.82

43

$14.85

$23.22

$31.57

$36.12

44

$15.69

$24.94

$34.56

$40.42

45

$16.81

$27.09

$37.64

$44.66

46

$18.31

$29.01

$40.49

$48.56

47

$19.55

$31.36

$44.01

$52.76

48

$20.95

$33.76

$47.61

$57.06

49

$22.39

$36.41

$51.59

$62.16

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$23.46

$39.01

$55.49

$68.26

51

$25.46

$42.91

$61.34

$75.76

52

$27.69

$47.36

$68.01

$84.56

53

$30.16

$52.46

$75.66

$94.16

54

$32.99

$58.21

$84.29

$103.96

55

$36.06

$64.66

$93.96

$118.56

56

$39.06

$70.21

$102.29

$130.46

57

$42.51

$77.16

$112.71

$143.46

58

$46.26

$84.66

$123.96

$158.56

59

$50.74

$93.91

$137.39

$176.46

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$55.34

$102.51

$150.74

$194.16

61

$61.36

$114.51

$168.74

$216.86

62

$68.31

$128.06

$189.06

$242.06

63

$76.29

$143.56

$212.36

$272.06

64

$85.51

$161.46

$239.16

$306.06

65

$96.71

$183.16

$271.71

$346.66

66

$111.51

$212.21

$315.29

$398.36

67

$127.49

$234.47

$349.16

$440.81

68

$142.18

$258.82

$385.69

$486.72

69

$156.92

$286.02

$426.49

$542.06

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$173.25

$317.47

$473.66

$597.95

71

$197.71

$362.95

$541.87

$673.71

72

$223.84

$413.47

$617.87

$767.39

73

$252.81

$473.07

$707.27

$885.43

74

$292.34

$549.02

$821.20

$1,035.91

75

$337.09

$638.77

$955.81

$1,213.80

76

$401.39

$770.01

$1,152.46

$1,475.42

77

$478.20

$915.38

$1,370.52

$1,757.48

78

$569.12

$1,094.95

$1,639.77

$2,104.13

79

$662.20

$1,283.07

$1,922.05

$2,470.94

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

$750.66

$1,455.46

$2,180.16

$2,841.46

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$8.39

$11.18

$13.95

$14.62

21

$8.39

$11.18

$13.95

$14.62

22

$8.39

$11.18

$13.95

$14.62

23

$8.39

$11.18

$13.95

$14.62

24

$8.39

$11.18

$13.95

$14.62

25

$8.39

$11.18

$13.95

$14.62

26

$8.39

$11.18

$13.95

$14.62

27

$8.39

$11.18

$13.95

$14.62

28

$8.60

$11.38

$13.95

$14.62

29

$8.60

$11.42

$13.95

$14.62

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$8.60

$11.44

$13.95

$14.62

31

$8.60

$11.61

$13.95

$14.62

32

$8.79

$11.61

$14.38

$14.62

33

$8.82

$11.82

$14.38

$15.48

34

$8.94

$11.88

$14.77

$15.48

35

$8.98

$11.96

$15.03

$15.48

36

$9.31

$12.59

$15.69

$16.34

37

$9.40

$13.32

$17.04

$18.06

38

$9.85

$13.91

$17.72

$18.92

39

$10.43

$14.79

$19.03

$20.64

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$10.86

$15.54

$19.60

$21.50

41

$11.58

$16.88

$21.56

$24.94

42

$12.37

$18.57

$23.99

$28.38

43

$13.24

$20.48

$26.85

$31.82

44

$14.19

$22.01

$29.99

$35.26

45

$15.15

$23.41

$32.09

$38.70

46

$16.17

$24.66

$33.96

$41.76

47

$17.08

$26.86

$37.26

$45.36

48

$18.05

$28.71

$40.04

$48.66

49

$19.30

$30.76

$43.11

$52.26

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$19.76

$32.51

$45.74

$56.36

51

$21.04

$34.51

$48.74

$60.26

52

$22.46

$37.66

$53.46

$66.36

53

$24.01

$40.61

$57.89

$71.86

54

$25.76

$44.06

$63.06

$78.56

55

$27.71

$48.26

$69.36

$86.66

56

$29.61

$51.71

$74.54

$93.36

57

$31.74

$55.61

$80.39

$100.26

58

$34.09

$59.01

$85.49

$108.96

59

$36.84

$63.66

$92.46

$117.86

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$39.61

$70.26

$102.36

$127.16

61

$43.54

$76.06

$111.06

$141.06

62

$47.91

$83.61

$122.39

$156.06

63

$52.74

$91.96

$134.91

$172.66

64

$58.51

$101.76

$149.61

$192.36

65

$65.56

$113.71

$167.54

$216.36

66

$72.53

$133.07

$197.27

$243.46

67

$79.81

$145.98

$216.64

$267.28

68

$88.60

$161.46

$239.63

$296.02

69

$98.09

$178.07

$264.56

$329.08

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$107.84

$199.43

$296.77

$365.91

71

$124.45

$233.96

$348.60

$430.41

72

$143.77

$271.04

$403.70

$500.89

73

$166.12

$314.47

$469.04

$580.80

74

$189.60

$362.59

$541.54

$670.71

75

$216.31

$417.34

$623.67

$773.06

76

$270.31

$528.19

$789.73

$977.42

77

$328.71

$641.71

$960.01

$1,179.19

78

$399.68

$785.14

$1,175.17

$1,441.57

79

$485.40

$938.38

$1,405.02

$1,743.69

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

$575.02

$1,066.63

$1,597.09

$2,065.41

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$10.19

$14.76

$19.03

$22.14

21

$10.19

$14.76

$19.03

$22.14

22

$10.19

$14.76

$19.03

$22.14

23

$10.19

$14.76

$19.03

$22.14

24

$10.19

$14.76

$19.03

$22.14

25

$10.19

$14.62

$19.03

$21.50

26

$10.19

$14.62

$19.03

$21.50

27

$10.19

$14.62

$19.03

$21.50

28

$10.32

$14.62

$19.03

$21.50

29

$10.32

$14.62

$19.03

$21.50

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$10.32

$14.62

$19.03

$21.50

31

$10.32

$15.05

$19.33

$22.36

32

$10.54

$15.05

$19.69

$23.22

33

$10.54

$15.24

$19.99

$23.22

34

$10.66

$15.32

$20.12

$24.08

35

$10.75

$15.91

$20.68

$24.94

36

$11.16

$16.69

$21.60

$26.66

37

$11.49

$17.35

$22.85

$28.38

38

$11.96

$18.27

$24.27

$30.44

39

$12.49

$19.32

$25.80

$32.65

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$13.08

$20.49

$27.63

$34.40

41

$14.59

$23.32

$31.44

$40.04

42

$16.11

$25.96

$35.25

$45.32

43

$17.77

$29.20

$41.05

$51.48

44

$19.56

$32.36

$45.51

$57.16

45

$21.53

$35.11

$49.64

$63.26

46

$23.16

$37.91

$53.84

$68.36

47

$24.97

$40.96

$58.41

$74.06

48

$26.63

$44.46

$63.66

$80.46

49

$28.24

$48.36

$69.51

$87.56

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$29.86

$52.26

$75.36

$95.66

51

$32.29

$56.71

$82.04

$103.66

52

$34.91

$61.71

$89.54

$113.86

53

$38.01

$67.46

$98.16

$125.06

54

$41.26

$73.61

$107.39

$137.76

55

$44.44

$81.31

$118.94

$152.66

56

$48.41

$88.86

$130.26

$168.16

57

$52.91

$98.16

$144.21

$185.26

58

$58.09

$108.76

$160.11

$205.26

59

$64.09

$121.16

$178.71

$228.66

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$71.41

$134.71

$199.04

$253.86

61

$80.06

$149.91

$221.84

$282.56

62

$89.84

$167.71

$248.54

$315.86

63

$101.39

$188.51

$279.74

$354.66

64

$114.99

$212.91

$316.34

$400.26

65

$131.39

$242.31

$360.44

$454.96

66

$152.16

$286.36

$426.51

$534.16

67

$170.48

$325.47

$485.86

$614.51

68

$192.85

$368.48

$550.37

$701.41

69

$220.18

$421.08

$629.28

$808.06

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$251.59

$481.70

$720.22

$931.71

71

$310.32

$586.02

$876.44

$1,136.01

72

$369.32

$704.22

$1,053.75

$1,367.95

73

$432.03

$846.47

$1,267.17

$1,647.45

74

$517.67

$1,017.66

$1,523.91

$1,984.28

75

$620.49

$1,223.69

$1,832.96

$2,338.34

76

$733.80

$1,448.24

$2,171.07

$2,754.58

77

$840.44

$1,659.80

$2,488.41

$3,157.92

78

$981.26

$1,938.87

$2,907.02

$3,691.12

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$9.35

$12.96

$16.86

$19.31

21

$9.35

$12.96

$16.86

$19.31

22

$9.35

$12.96

$16.86

$19.31

23

$9.35

$12.96

$16.86

$19.31

24

$9.35

$12.96

$16.86

$19.31

25

$9.35

$12.96

$16.87

$19.31

26

$9.38

$13.03

$16.96

$19.35

27

$9.46

$13.26

$17.00

$19.46

28

$9.56

$13.33

$17.00

$18.92

29

$9.66

$13.33

$17.00

$18.92

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$9.68

$13.33

$17.00

$18.92

31

$9.68

$13.76

$17.00

$19.78

32

$9.76

$13.76

$17.66

$19.78

33

$9.76

$14.19

$17.66

$20.64

34

$10.01

$14.19

$18.31

$20.64

35

$10.01

$14.62

$18.64

$21.50

36

$10.01

$15.35

$19.63

$24.08

37

$10.53

$15.91

$20.94

$26.66

38

$11.42

$17.63

$22.97

$28.38

39

$12.19

$18.78

$24.94

$30.90

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$12.67

$19.78

$26.60

$33.37

41

$13.55

$21.50

$28.53

$35.93

42

$14.53

$23.00

$30.89

$39.08

43

$15.20

$24.54

$33.47

$42.93

44

$16.36

$26.32

$36.75

$46.44

45

$17.42

$28.38

$39.97

$49.88

46

$18.40

$30.16

$42.90

$54.93

47

$19.40

$32.41

$46.28

$59.22

48

$21.11

$34.92

$50.04

$63.98

49

$22.46

$37.69

$54.20

$69.27

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$23.95

$40.80

$58.85

$75.18

51

$25.73

$44.18

$63.81

$81.66

52

$27.48

$47.47

$68.66

$88.06

53

$29.35

$51.04

$74.01

$94.86

54

$31.37

$54.91

$79.88

$102.21

55

$33.52

$59.01

$86.18

$110.06

56

$36.42

$64.15

$93.88

$120.28

57

$39.63

$69.85

$102.43

$131.65

58

$43.57

$76.82

$112.89

$145.58

59

$48.18

$85.01

$125.18

$162.00

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$53.55

$94.71

$139.73

$181.46

61

$58.48

$104.25

$154.03

$198.15

62

$64.17

$115.45

$170.84

$217.76

63

$71.35

$129.60

$192.07

$242.54

64

$79.47

$145.60

$216.06

$270.59

65

$89.03

$164.47

$243.03

$303.68

66

$98.51

$183.28

$272.58

$342.11

67

$109.50

$205.14

$305.37

$386.94

68

$122.65

$229.24

$341.00

$440.76

69

$138.28

$254.76

$379.28

$496.76

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$155.87

$283.36

$422.18

$561.88

71

$195.48

$376.13

$561.65

$695.50

72

$231.39

$452.56

$676.28

$837.15

73

$279.31

$544.77

$814.61

$1,007.93

74

$339.17

$656.05

$981.53

$1,163.86

75

$390.38

$770.76

$1,153.59

$1,396.85

76

$529.12

$1,008.35

$1,511.24

$1,924.68

77

$612.97

$1,169.60

$1,753.11

$2,241.16

78

$711.87

$1,362.24

$2,042.07

$2,612.68

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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. This term length is ideal for:

Young Families (that want to secure their income until their children move out)
Early Middle Aged Individuals (that want to secure a replacement income for their family until retirement)
Homeowners (that are several years into their mortgage)

The following table offers quotes for $250,000, $500,000, $750,000, and $1 million of coverage.

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

$12.53

$18.99

$26.02

$30.96

21

$12.53

$18.99

$26.02

$30.96

22

$12.53

$18.99

$26.02

$30.96

23

$12.53

$18.99

$26.02

$30.96

24

$12.53

$18.99

$26.02

$30.96

25

$12.53

$18.99

$26.02

$30.96

26

$12.53

$18.99

$26.02

$30.96

27

$12.54

$19.02

$26.06

$30.96

28

$12.59

$19.11

$26.06

$31.45

29

$12.69

$19.30

$26.06

$31.45

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$12.70

$19.31

$26.09

$31.45

31

$12.74

$19.38

$26.42

$31.58

32

$12.98

$19.79

$26.75

$32.30

33

$13.17

$20.21

$27.34

$33.04

34

$13.30

$20.64

$28.16

$33.54

35

$13.45

$21.07

$28.73

$34.40

36

$14.13

$22.41

$30.64

$37.11

37

$14.73

$23.55

$32.13

$39.33

38

$15.80

$25.13

$34.39

$42.40

39

$15.86

$25.42

$34.69

$44.16

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$17.03

$27.76

$38.17

$48.66

41

$18.59

$30.16

$42.21

$53.26

42

$20.50

$33.11

$46.64

$59.06

43

$22.76

$36.36

$51.51

$65.86

44

$24.86

$39.96

$56.91

$73.36

45

$26.86

$44.46

$63.66

$82.36

46

$28.98

$47.71

$68.54

$89.06

47

$31.28

$51.76

$74.61

$96.76

48

$33.78

$56.21

$81.29

$105.46

49

$36.44

$61.01

$88.49

$115.26

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$39.34

$66.36

$96.51

$125.16

51

$42.49

$72.41

$105.59

$136.66

52

$46.16

$79.56

$116.31

$150.56

53

$50.54

$87.61

$128.39

$166.16

54

$55.74

$96.91

$142.34

$183.16

55

$61.51

$107.46

$158.16

$204.36

56

$68.11

$119.61

$176.39

$226.86

57

$75.72

$132.91

$196.34

$252.06

58

$84.82

$148.26

$219.36

$280.86

59

$95.01

$166.26

$246.36

$314.56

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$106.25

$183.86

$272.76

$354.26

61

$120.51

$212.91

$316.34

$399.36

62

$136.30

$245.06

$364.56

$455.06

63

$154.21

$283.01

$421.49

$520.06

64

$174.23

$327.91

$488.84

$596.06

65

$199.96

$381.11

$568.64

$685.56

66

$237.67

$453.09

$677.06

$866.59

67

$272.04

$515.96

$771.35

$1,000.78

68

$314.50

$595.46

$890.61

$1,144.83

69

$358.98

$697.98

$1,044.38

$1,340.05

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$409.53

$799.93

$1,197.31

$1,537.34

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$11.04

$15.84

$21.18

$23.78

21

$11.04

$15.84

$21.18

$23.78

22

$11.04

$15.84

$21.18

$23.78

23

$11.04

$15.84

$21.18

$23.78

24

$11.04

$15.84

$21.18

$23.78

25

$11.04

$15.84

$21.18

$23.78

26

$11.06

$15.91

$21.43

$23.89

27

$11.10

$16.17

$21.56

$24.19

28

$11.14

$16.34

$21.56

$24.54

29

$11.19

$16.47

$21.56

$24.90

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$11.26

$16.53

$21.76

$25.39

31

$11.40

$16.77

$21.86

$26.16

32

$11.56

$17.09

$22.32

$26.66

33

$11.61

$17.20

$22.74

$27.52

34

$11.73

$17.63

$23.24

$27.52

35

$11.83

$17.63

$23.99

$28.38

36

$12.39

$18.92

$25.73

$30.96

37

$12.99

$19.93

$26.75

$33.54

38

$13.35

$20.40

$27.45

$34.50

39

$14.01

$21.72

$29.43

$37.14

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$15.27

$24.48

$33.58

$42.14

41

$16.47

$26.31

$36.44

$45.46

42

$17.68

$28.91

$40.34

$50.66

43

$18.77

$31.47

$44.56

$55.77

44

$20.19

$34.00

$48.65

$61.05

45

$21.70

$36.91

$53.03

$67.15

46

$23.06

$39.62

$57.09

$72.11

47

$24.66

$42.83

$61.91

$78.01

48

$26.41

$46.33

$67.16

$84.44

49

$28.32

$50.15

$72.89

$91.45

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$30.44

$54.39

$79.25

$98.04

51

$32.84

$59.12

$86.34

$108.78

52

$35.34

$64.05

$93.74

$118.75

53

$38.23

$69.75

$102.29

$130.29

54

$41.54

$76.29

$112.10

$143.57

55

$45.33

$83.77

$123.32

$158.79

56

$49.71

$91.41

$134.77

$173.51

57

$54.63

$99.99

$147.64

$190.09

58

$60.70

$110.59

$163.54

$210.60

59

$67.78

$122.97

$182.12

$234.60

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$76.13

$137.57

$204.02

$262.98

61

$84.19

$154.17

$228.91

$293.95

62

$93.65

$173.69

$258.19

$329.18

63

$105.20

$197.54

$293.96

$373.09

64

$118.64

$225.32

$335.64

$424.40

65

$134.08

$257.27

$383.57

$483.61

66

$187.72

$313.25

$467.03

$608.56

67

$215.32

$356.56

$532.00

$691.69

68

$247.19

$401.19

$598.94

$776.56

69

$280.18

$552.20

$825.57

$961.74

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$317.89

$629.41

$941.38

$1,104.05

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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.

A 25 year term is one of the least commonly purchased life insurance policies. Only a handful of companies offer these policies, so oftentimes a 30 year term is only a few dollars more. 25 year term policies are often purchased by people that are at least a few years into their mortgage and parents that want to insure their children’s college education expenses.

25 Year Term Life Insurance Rates

Male
Female

All quotes are based on a monthly premium and valid as of 01/15/2020. Quotes are for a male, in excellent health, non-smoker, and are subject to change.

20-29 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

20

$15.93

$24.57

$34.52

$42.46

21

$15.93

$24.57

$34.52

$42.46

22

$15.93

$24.57

$34.52

$42.46

23

$15.93

$24.57

$34.52

$42.46

24

$15.93

$24.57

$34.52

$42.46

25

$15.93

$24.57

$34.52

$42.46

26

$15.93

$24.57

$34.52

$42.46

27

$15.99

$24.73

$34.76

$42.70

28

$16.10

$25.04

$35.22

$43.16

29

$16.29

$25.53

$35.96

$43.92

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$16.35

$25.70

$36.20

$44.16

31

$16.49

$26.02

$36.69

$44.84

32

$16.83

$26.84

$37.93

$46.58

33

$17.19

$27.68

$39.18

$48.34

34

$17.62

$28.71

$40.72

$50.50

35

$18.05

$29.73

$42.25

$52.65

36

$18.99

$31.60

$45.06

$56.40

37

$19.94

$33.50

$47.92

$60.21

38

$21.24

$36.11

$51.82

$65.42

39

$22.74

$39.10

$56.30

$71.40

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$24.42

$42.46

$61.35

$78.13

41

$26.77

$46.88

$67.98

$86.65

42

$29.19

$51.32

$74.43

$95.38

43

$31.77

$56.26

$82.05

$104.77

44

$34.53

$61.43

$89.81

$114.75

45

$37.58

$67.15

$98.39

$125.80

46

$41.01

$73.22

$107.49

$137.45

47

$44.86

$80.02

$117.70

$150.53

48

$49.13

$87.58

$129.04

$165.08

49

$53.78

$95.82

$141.39

$180.97

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$58.93

$104.95

$155.08

$198.60

51

$64.79

$117.02

$173.19

$221.62

52

$71.57

$131.02

$194.19

$248.34

53

$79.62

$147.62

$219.08

$280.07

54

$89.34

$167.71

$249.23

$318.54

55

$100.21

$190.17

$282.91

$361.63

56

$120.47

$219.85

$327.20

$415.72

57

$137.19

$250.58

$373.33

$470.78

58

$156.34

$286.12

$426.61

$536.08

59

$178.25

$326.57

$487.28

$608.61

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$203.35

$372.85

$556.69

$691.03

61

$231.56

$425.12

$634.94

$782.17

62

$257.36

$481.87

$720.06

$880.85

63

$283.37

$543.52

$813.99

$1,002.74

64

$309.17

$595.12

$891.39

$1,150.68

65

$349.16

$668.65

$1,001.60

$1,290.86

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. Quotes are for a male, in excellent health, non-smoker, and are subject to change.

25 Year Term Life Insurance Rates

Male
Female

All quotes are based on a monthly premium and valid as of 01/15/2020. Quotes are for a female, in excellent health, non-smoker, and are subject to change.

20-29 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

20

$13.38

$19.96

$27.60

$32.27

21

$13.38

$19.96

$27.60

$32.27

22

$13.38

$19.96

$27.60

$32.27

23

$13.38

$19.96

$27.60

$32.27

24

$13.38

$19.96

$27.60

$32.27

25

$13.38

$19.96

$27.60

$32.27

26

$13.43

$20.06

$27.76

$32.55

27

$13.53

$20.29

$28.10

$33.15

28

$13.65

$20.56

$28.50

$33.86

29

$13.78

$20.85

$28.94

$34.65

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$13.95

$21.23

$29.51

$35.67

31

$14.26

$21.82

$30.40

$36.98

32

$14.63

$22.55

$31.48

$38.59

33

$15.01

$23.28

$32.58

$40.23

34

$15.44

$24.10

$33.81

$42.05

35

$15.93

$25.05

$35.24

$44.16

36

$16.69

$26.66

$37.65

$47.23

37

$17.52

$28.39

$40.24

$50.53

38

$18.44

$30.33

$43.15

$54.23

39

$19.39

$32.32

$46.14

$58.03

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$20.38

$34.40

$49.25

$62.00

41

$21.91

$37.24

$53.52

$67.68

42

$23.57

$40.32

$58.15

$73.84

43

$25.34

$43.63

$63.11

$80.45

44

$27.28

$47.24

$68.53

$87.67

45

$29.51

$51.39

$74.75

$95.96

46

$31.89

$55.71

$81.22

$104.06

47

$34.73

$60.86

$88.96

$113.74

48

$37.89

$66.61

$97.58

$124.55

49

$41.43

$73.05

$107.24

$136.68

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$45.46

$80.40

$118.26

$150.53

51

$49.95

$89.03

$131.20

$166.86

52

$54.82

$98.41

$145.28

$184.66

53

$60.53

$109.42

$161.79

$205.57

54

$67.08

$122.08

$180.78

$229.66

55

$74.63

$136.66

$202.65

$257.48

56

$87.33

$156.44

$232.08

$295.21

57

$100.85

$176.32

$261.93

$333.23

58

$116.59

$199.31

$296.39

$378.66

59

$134.92

$225.11

$335.08

$428.65

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$150.30

$254.33

$378.91

$485.34

61

$176.04

$288.05

$429.34

$549.18

62

$197.37

$324.57

$484.11

$618.28

63

$222.03

$369.67

$551.77

$694.05

64

$254.35

$497.94

$745.62

$979.54

65

$279.72

$548.25

$821.09

$1,079.30

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. Quotes are for a female, in excellent health, non-smoker, and are subject to change.

With most life insurance companies, a 30 year term is the longest term you can purchase, but that does not mean the policy automatically cancels after 30 years. After the initial period, premiums increase annually thereafter. Many term policies can be annually renewed until age 95. A 30 year term is an excellent option for:

Protecting a Mortgage (insure your balance until the family home is paid off)
Young Couples (especially those that plan to start a family in the future)
Family Breadwinners (that want to secure their income as long as possible)

Below we’ve provided quotes for $250k, $500k, $750k and $1mm of coverage for 30 years.

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

$18.05

$28.88

$40.97

$49.26

21

$18.05

$28.88

$40.97

$49.26

22

$18.05

$28.88

$40.97

$49.26

23

$18.05

$28.88

$40.97

$49.26

24

$18.05

$28.88

$40.97

$49.26

25

$18.05

$28.88

$40.97

$49.27

26

$18.09

$28.99

$41.15

$49.58

27

$18.21

$29.33

$41.65

$50.42

28

$18.40

$29.84

$42.42

$51.74

29

$18.67

$30.60

$43.56

$53.67

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$18.79

$30.93

$44.06

$54.52

31

$19.03

$31.38

$44.73

$55.39

32

$19.54

$32.34

$46.17

$57.28

33

$20.09

$33.36

$47.70

$59.28

34

$20.76

$34.61

$49.57

$61.74

35

$21.45

$35.89

$51.50

$64.26

36

$22.54

$38.11

$54.83

$68.70

37

$23.67

$40.41

$58.27

$73.27

38

$25.13

$43.36

$62.71

$79.18

39

$26.79

$46.73

$67.76

$85.91

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$28.66

$50.53

$73.45

$93.50

41

$31.17

$55.33

$80.66

$103.08

42

$33.82

$60.40

$88.26

$113.05

43

$36.74

$65.99

$96.65

$124.39

44

$39.94

$72.11

$105.82

$136.64

45

$43.52

$78.99

$116.14

$150.45

46

$47.53

$86.73

$127.76

$165.38

47

$52.04

$94.64

$139.38

$179.65

48

$57.07

$105.20

$155.46

$201.07

49

$62.57

$115.88

$171.48

$221.78

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$68.68

$127.73

$189.26

$244.80

51

$76.20

$142.45

$211.34

$274.46

52

$84.91

$159.53

$236.95

$308.98

53

$95.19

$179.71

$267.23

$349.91

54

$107.66

$204.23

$304.00

$399.76

55

$121.94

$232.33

$346.15

$457.15

56

$150.50

$272.62

$407.64

$537.50

57

$168.99

$305.73

$457.31

$603.72

58

$190.92

$345.72

$517.29

$683.70

59

N/A

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

N/A

61

N/A

62

N/A

63

N/A

64

N/A

65

N/A

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$14.87

$22.51

$31.42

$37.37

21

$14.87

$22.51

$31.42

$37.37

22

$14.87

$22.51

$31.42

$37.37

23

$14.87

$22.51

$31.42

$37.37

24

$14.87

$22.51

$31.42

$37.37

25

$14.98

$22.93

$32.06

$38.22

26

$15.11

$23.26

$32.55

$38.87

27

$15.31

$23.80

$33.37

$39.96

28

$15.55

$24.42

$34.29

$41.19

29

$15.80

$25.09

$35.29

$42.53

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$16.11

$25.90

$36.52

$44.16

31

$16.47

$26.58

$37.53

$45.56

32

$16.92

$27.39

$38.75

$47.25

33

$17.37

$28.24

$40.02

$49.01

34

$17.88

$29.19

$41.44

$50.96

35

$18.47

$30.27

$43.07

$53.21

36

$19.36

$32.11

$45.82

$57.03

37

$20.31

$34.08

$48.78

$61.14

38

$21.36

$36.25

$52.04

$65.68

39

$22.45

$38.52

$55.44

$70.40

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$23.61

$40.91

$59.03

$75.38

41

$25.27

$44.06

$63.74

$81.78

42

$27.11

$47.53

$68.95

$88.86

43

$29.13

$51.35

$74.69

$96.67

44

$31.39

$55.62

$81.10

$105.40

45

$34.02

$60.61

$88.57

$115.60

46

$36.68

$65.54

$95.96

$124.90

47

$39.84

$71.40

$104.77

$136.00

48

$43.42

$78.06

$114.76

$148.61

49

$47.46

$85.60

$126.05

$159.78

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$52.11

$94.25

$139.03

$179.35

51

$58.00

$105.12

$155.35

$201.57

52

$64.58

$117.30

$173.60

$226.54

53

$72.28

$131.56

$194.99

$255.90

54

$81.29

$148.27

$220.06

$290.43

55

$91.56

$167.34

$248.66

$329.99

56

$110.30

$205.97

$307.67

$389.58

57

$124.70

$233.06

$348.30

$441.18

58

$138.89

$260.15

$388.94

$492.78

59

N/A

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

N/A

61

N/A

62

N/A

63

N/A

64

N/A

65

N/A

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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 benefits stay fixed for life. These policies do not require any investment risk which makes them ideal for:

Estate Planning Needs (reducing or avoiding State and Federal estate taxes)
Leaving a Tax-Free Inheritance Behind
Pension Maximization Strategies (if you are in fair or better health)

Below we’ve provided quotes for coverage that is guaranteed until the age of 121.

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

$21.58

$27.00

$28.94

$67.95

21

$21.70

$27.50

$30.28

$69.72

22

$21.83

$28.00

$31.58

$71.54

23

$21.95

$28.50

$32.88

$73.33

24

$22.00

$29.00

$34.00

$75.16

25

$22.13

$30.00

$35.00

$76.79

26

$22.20

$30.00

$36.00

$79.53

27

$22.20

$30.50

$38.00

$82.15

28

$22.20

$31.00

$39.00

$84.76

29

$22.25

$31.50

$40.00

$87.38

30-39 years old

Face Value

$25,000

$50,000

$100,000

$250,000

30

$22.25

$32.00

$42.00

$90.03

31

$22.38

$32.50

$43.00

$93.65

32

$22.45

$33.50

$44.00

$97.32

33

$22.50

$34.00

$45.00

$101.09

34

$22.63

$34.50

$47.00

$104.88

35

$22.75

$35.00

$48.00

$108.74

36

$23.13

$36.00

$50.00

$113.08

37

$23.38

$37.35

$52.00

$117.30

38

$23.70

$38.40

$54.00

$121.78

39

$24.08

$39.65

$56.00

$126.20

40-49 years old

Face Value

$25,000

$50,000

$100,000

$250,000

40

$24.38

$40.90

$59.00

$130.73

41

$24.88

$42.30

$61.00

$135.65

42

$25.20

$43.65

$64.00

$140.70

43

$25.58

$45.00

$66.00

$145.85

44

$26.20

$46.50

$69.00

$151.28

45

$26.63

$47.50

$71.31

$156.65

46

$27.75

$49.50

$75.00

$164.78

47

$28.65

$51.45

$79.00

$173.03

48

$29.60

$53.35

$83.00

$181.45

49

$30.63

$55.45

$87.00

$190.00

50-59 years old

Face Value

$25,000

$50,000

$100,000

$250,000

50

$31.75

$57.65

$91.00

$198.70

51

$32.93

$60.00

$95.00

$210.35

52

$34.18

$62.50

$99.46

$222.35

53

$35.45

$65.05

$103.48

$234.40

54

$36.83

$67.80

$107.51

$246.55

55

$38.30

$70.75

$111.54

$258.40

56

$39.98

$74.10

$119.61

$273.23

57

$41.78

$77.75

$127.67

$288.65

58

$43.83

$81.50

$134.00

$303.76

59

$46.08

$85.50

$142.00

$319.05

60-69 years old

Face Value

$25,000

$50,000

$100,000

$250,000

60

$47.75

$90.00

$150.00

$334.70

61

$50.00

$95.00

$158.00

$358.00

62

$52.75

$100.50

$167.00

$378.00

63

$55.75

$106.50

$176.24

$399.00

64

$59.00

$113.00

$184.35

$420.00

65

$62.25

$119.50

$192.48

$442.00

66

$66.25

$127.00

$210.00

$474.00

67

$70.25

$135.00

$222.83

$508.00

68

$74.25

$143.50

$234.75

$541.00

69

$78.50

$152.00

$247.40

$578.00

70-79 years old

Face Value

$25,000

$50,000

$100,000

$250,000

70

$82.50

$159.50

$260.83

$611.65

71

$89.50

$172.85

$278.54

$655.93

72

$94.75

$183.65

$297.57

$703.50

73

$100.00

$195.00

$318.04

$754.68

74

$106.00

$207.00

$340.05

$809.73

75

$112.25

$219.50

$363.74

$865.00

76

$120.00

$234.50

$399.59

$931.00

77

$127.75

$250.00

$433.00

$1,047.00

78

$138.00

$270.50

$475.00

$1,165.00

79

$148.50

$291.50

$509.00

$1,265.00

80 years old

Face Value

$25,000

$50,000

$100,000

$250,000

80

$160.75

$316.50

$559.00

$1,390.00

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$20.50

$26.00

$23.97

$57.00

21

$20.63

$26.13

$25.18

$58.00

22

$20.75

$26.50

$26.38

$60.00

23

$20.88

$27.00

$27.60

$62.00

24

$21.00

$27.50

$28.81

$64.00

25

$21.33

$27.50

$30.00

$67.00

26

$21.38

$28.00

$31.00

$69.00

27

$21.63

$28.50

$32.00

$72.00

28

$21.70

$29.00

$33.00

$74.48

29

$21.70

$29.50

$34.00

$76.99

30-39 years old

Face Value

$25,000

$50,000

$100,000

$250,000

30

$21.75

$29.50

$35.00

$79.00

31

$22.08

$30.00

$36.50

$82.50

32

$22.08

$30.50

$37.80

$85.75

33

$22.08

$31.00

$39.00

$89.00

34

$22.13

$31.50

$41.00

$92.00

35

$22.25

$32.00

$42.00

$95.00

36

$22.58

$33.50

$43.90

$99.00

37

$22.88

$34.00

$45.59

$103.00

38

$23.13

$35.50

$47.00

$107.00

39

$23.58

$36.00

$48.98

$112.00

40-49 years old

Face Value

$25,000

$50,000

$100,000

$250,000

40

$23.75

$37.50

$50.67

$114.00

41

$24.13

$38.25

$52.42

$119.00

42

$24.45

$39.35

$54.12

$124.00

43

$24.88

$40.70

$55.81

$129.00

44

$25.13

$42.10

$57.50

$134.00

45

$25.58

$43.40

$59.20

$139.00

46

$26.00

$44.90

$62.88

$146.00

47

$26.33

$46.50

$66.56

$154.00

48

$27.05

$48.00

$70.24

$162.00

49

$27.95

$50.00

$73.93

$170.00

50-59 years old

Face Value

$25,000

$50,000

$100,000

$250,000

50

$28.83

$51.50

$77.62

$178.00

51

$29.85

$53.50

$81.00

$187.00

52

$30.88

$55.50

$84.99

$195.00

53

$31.95

$58.00

$88.68

$204.00

54

$33.08

$60.30

$92.36

$213.00

55

$34.30

$62.50

$96.06

$222.00

56

$35.58

$65.25

$102.44

$236.88

57

$36.88

$67.90

$108.83

$248.00

58

$38.33

$70.75

$115.00

$262.00

59

$39.85

$73.85

$121.63

$275.00

60-69 years old

Face Value

$25,000

$50,000

$100,000

$250,000

60

$41.53

$77.20

$128.00

$289.00

61

$43.33

$80.80

$134.44

$304.00

62

$45.38

$84.90

$140.85

$319.00

63

$47.70

$89.40

$147.26

$335.00

64

$49.75

$94.20

$153.68

$352.00

65

$52.00

$98.50

$160.11

$375.00

66

$54.50

$104.00

$168.38

$404.00

67

$57.75

$110.00

$185.00

$432.85

68

$60.75

$116.00

$197.10

$462.33

69

$64.50

$123.50

$209.80

$493.00

70-79 years old

Face Value

$25,000

$50,000

$100,000

$250,000

70

$68.75

$132.00

$224.00

$519.00

71

$73.75

$142.00

$239.00

$561.00

72

$79.25

$153.00

$256.00

$597.00

73

$84.75

$164.50

$274.93

$636.00

74

$92.50

$179.02

$293.19

$678.00

75

$99.25

$190.17

$312.82

$734.00

76

$106.83

$207.70

$333.52

$793.40

77

$114.20

$222.45

$364.99

$872.10

78

$122.18

$238.45

$399.83

$959.20

79

$130.95

$255.95

$438.30

$1,055.40

80 years old

Face Value

$25,000

$50,000

$100,000

$250,000

80

$142.75

$277.75

$476.00

$1,161.93

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$6.87

$7.39

$7.93

$7.30

21

$6.87

$7.40

$7.95

$7.30

22

$6.87

$7.41

$7.97

$7.30

23

$6.87

$7.43

$7.99

$7.30

24

$6.87

$7.44

$8.01

$7.30

25

$6.87

$7.45

$8.03

$7.30

26

$6.87

$7.46

$8.04

$7.30

27

$6.87

$7.47

$8.05

$7.30

28

$6.87

$7.48

$8.07

$7.30

29

$6.87

$7.49

$8.09

$7.30

30-39 years old

Face Value

$25,000

$50,000

$75,000

$100,000

30

$6.87

$7.51

$8.11

$7.30

31

$6.87

$7.52

$8.14

$7.30

32

$6.87

$7.54

$8.16

$7.30

33

$6.87

$7.56

$8.19

$7.30

34

$6.87

$7.58

$8.22

$7.30

35

$6.87

$7.61

$8.27

$7.30

36

$6.92

$7.62

$8.27

$7.49

37

$6.98

$7.67

$8.36

$7.66

38

$7.07

$7.87

$8.66

$7.91

39

$7.18

$8.09

$8.99

$8.11

40-49 years old

Face Value

$25,000

$50,000

$75,000

$100,000

40

$7.29

$8.23

$9.20

$8.25

41

$7.42

$8.47

$9.56

$8.63

42

$7.55

$8.73

$9.94

$8.72

43

$7.72

$9.01

$10.37

$9.58

44

$7.90

$9.43

$10.99

$9.86

45

$8.11

$9.89

$11.69

$11.00

46

$8.35

$10.61

$12.85

$11.63

47

$8.63

$11.18

$13.72

$12.22

48

$8.92

$11.75

$14.57

$12.89

49

$9.24

$12.40

$15.55

$13.62

50-59 years old

Face Value

$25,000

$50,000

$75,000

$100,000

50

$9.59

$13.01

$16.36

$14.41

51

$9.94

$13.69

$17.39

$15.32

52

$10.29

$14.49

$18.58

$16.30

53

$10.68

$15.27

$19.86

$17.39

54

$11.14

$16.18

$21.23

$18.61

55

$11.68

$17.27

$22.86

$19.94

56

$12.31

$18.53

$24.75

$21.32

57

$13.03

$19.97

$26.90

$22.92

58

$13.83

$21.34

$28.87

$24.84

59

$14.68

$22.56

$30.69

$26.92

60-69 years old

Face Value

$25,000

$50,000

$75,000

$100,000

60

$15.62

$23.98

$32.82

$29.05

61

$16.62

$25.33

$34.85

$32.77

62

$17.70

$27.45

$38.03

$36.78

63

$18.86

$30.09

$41.99

$41.19

64

$20.08

$33.37

$46.90

$46.43

65

$21.34

$36.58

$51.83

$52.57

66

$22.47

$38.85

$55.22

$57.71

67

$23.27

$40.85

$58.22

$63.63

68

$24.62

$43.15

$61.68

$70.37

69

$26.23

$46.37

$66.51

$78.31

70-79 years old

Face Value

$25,000

$50,000

$75,000

$100,000

70

$28.58

$51.07

$73.56

$86.61

71

$31.56

$57.03

$82.50

$94.60

72

$35.02

$63.95

$92.87

$104.48

73

$39.04

$71.99

$104.94

$116.91

74

$43.80

$81.52

$119.23

$132.76

75

$49.42

$92.74

$136.07

$151.47

76

N/A

$153.55

$227.78

$201.33

77

N/A

$184.55

$274.28

$248.63

78

N/A

$222.03

$330.49

$295.07

79

N/A

$267.33

$398.45

$341.59

80 years old

Face Value

$25,000

$50,000

$75,000

$100,000

80

N/A

$322.09

$480.59

$388.03

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$6.46

$6.83

$7.20

$6.79

21

$6.46

$6.83

$7.20

$6.79

22

$6.46

$6.83

$7.20

$6.79

23

$6.46

$6.83

$7.20

$6.79

24

$6.46

$6.83

$7.20

$6.79

25

$6.46

$6.83

$7.20

$6.79

26

$6.46

$6.83

$7.20

$6.79

27

$6.46

$6.83

$7.20

$6.79

28

$6.46

$6.83

$7.20

$6.79

29

$6.46

$6.83

$7.20

$6.79

30-39 years old

Face Value

$25,000

$50,000

$75,000

$100,000

30

$6.46

$6.83

$7.20

$6.79

31

$6.48

$6.87

$7.26

$6.79

32

$6.53

$6.96

$7.40

$6.88

33

$6.57

$7.05

$7.53

$6.88

34

$6.63

$7.14

$7.56

$6.97

35

$6.68

$7.16

$7.59

$6.97

36

$6.74

$7.32

$7.82

$7.14

37

$6.79

$7.48

$8.08

$7.31

38

$6.85

$7.61

$8.37

$7.57

39

$6.92

$7.74

$8.57

$7.74

40-49 years old

Face Value

$25,000

$50,000

$75,000

$100,000

40

$7.00

$7.92

$8.83

$7.91

41

$7.09

$8.09

$9.09

$8.34

42

$7.18

$8.27

$9.35

$8.69

43

$7.26

$8.44

$9.61

$9.12

44

$7.37

$8.66

$9.94

$9.16

45

$7.53

$8.96

$10.40

$9.89

46

$7.72

$9.35

$10.98

$10.41

47

$7.92

$9.74

$11.57

$10.92

48

$8.18

$10.27

$12.35

$11.48

49

$8.42

$10.74

$13.07

$12.04

50-59 years old

Face Value

$25,000

$50,000

$75,000

$100,000

50

$8.70

$11.31

$13.92

$12.56

51

$8.98

$11.88

$14.77

$13.38

52

$9.27

$12.44

$15.55

$14.11

53

$9.59

$13.00

$16.35

$15.12

54

$9.92

$13.59

$17.24

$16.12

55

$10.31

$14.27

$18.26

$17.41

56

$10.72

$14.89

$19.19

$18.46

57

$11.14

$15.37

$19.90

$19.58

58

$11.59

$15.78

$20.52

$20.86

59

$12.14

$16.22

$21.19

$22.24

60-69 years old

Face Value

$25,000

$50,000

$75,000

$100,000

60

$12.75

$16.78

$22.02

$23.75

61

$13.46

$17.53

$23.14

$25.09

62

$14.25

$18.56

$24.69

$26.63

63

$15.12

$19.96

$26.78

$28.86

64

$16.05

$21.81

$29.56

$31.12

65

$17.01

$24.19

$33.14

$34.08

66

$17.90

$27.04

$37.42

$37.69

67

$18.71

$30.23

$42.20

$41.90

68

$19.64

$33.19

$46.74

$46.97

69

$20.56

$35.63

$50.39

$52.80

70-79 years old

Face Value

$25,000

$50,000

$75,000

$100,000

70

$22.25

$39.06

$55.55

$59.29

71

$24.71

$43.33

$61.94

$67.18

72

$27.14

$48.20

$69.25

$75.92

73

$29.99

$53.90

$77.80

$85.57

74

$33.30

$60.51

$87.72

$96.56

75

$37.21

$67.94

$98.76

$109.05

76

N/A

$112.40

$166.04

$141.67

77

N/A

$139.10

$206.10

$177.90

78

N/A

$172.46

$256.14

$220.46

79

N/A

$214.11

$318.62

$256.07

80 years old

Face Value

$25,000

$50,000

$75,000

$100,000

80

N/A

$266.14

$396.66

$291.58

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$7.03

$7.88

$8.68

$8.71

21

$7.03

$7.90

$8.70

$8.71

22

$7.03

$7.91

$8.71

23

$7.03

$7.92

$8.73

$8.71

24

$7.03

$7.93

$8.75

$8.71

25

$7.03

$7.95

$8.77

$8.71

26

$7.03

$7.95

$8.78

$8.71

27

$7.03

$7.96

$8.78

$8.81

28

$7.03

$7.96

$8.80

$8.81

29

$7.03

$7.96

$8.82

$8.81

30-39 years old

Face Value

$25,000

$50,000

$75,000

$100,000

30

$7.03

$7.96

$8.84

$8.81

31

$7.05

$8.00

$8.87

$8.91

32

$7.09

$8.03

$8.89

$8.91

33

$7.16

$8.05

$8.92

$8.91

34

$7.22

$8.06

$8.95

$8.91

35

$7.33

$8.08

$8.97

$9.03

36

$7.46

$8.17

$9.11

$9.46

37

$7.61

$8.27

$9.25

$9.67

38

$7.79

$8.36

$9.39

$9.97

39

$8.00

$8.36

$9.40

$10.26

40-49 years old

Face Value

$25,000

$50,000

$75,000

$100,000

40

$8.22

$8.61

$9.76

$10.60

41

$8.46

$8.94

$10.26

$11.47

42

$8.70

$9.32

$10.83

$12.29

43

$8.98

$9.77

$11.50

$13.17

44

$9.31

$10.36

$12.39

$14.35

45

$9.68

$11.06

$13.44

$15.69

46

$10.11

$12.31

$15.32

$16.72

47

$10.59

$13.40

$16.95

$17.82

48

$11.11

$14.29

$18.29

$19.06

49

$11.68

$15.27

$19.75

$20.37

50-59 years old

Face Value

$25,000

$50,000

$75,000

$100,000

50

$12.33

$16.37

$21.40

$21.79

51

$13.01

$17.63

$23.30

$23.40

52

$13.68

$19.10

$25.49

$25.28

53

$14.44

$20.80

$28.04

$27.38

54

$15.33

$22.77

$31.01

$29.79

55

$16.44

$25.06

$34.45

$33.16

56

$17.75

$27.64

$38.30

$35.99

57

$19.23

$30.43

$42.50

$39.25

58

$20.88

$33.46

$47.04

$43.14

59

$22.66

$36.71

$51.91

$47.50

60-69 years old

Face Value

$25,000

$50,000

$75,000

$100,000

60

$24.62

$40.18

$57.12

$52.31

61

$27.08

$43.88

$62.67

$59.14

62

$30.02

$47.80

$68.56

$66.71

63

$32.95

$51.95

$74.78

$75.28

64

$35.37

$56.33

$81.34

$85.37

65

$36.76

$60.93

$88.24

$97.15

66

N/A

$115.32

67

N/A

$133.50

68

N/A

$155.95

69

N/A

$179.48

70-79 years old

Face Value

$25,000

$50,000

$75,000

$100,000

70

N/A

$206.14

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$25,000

$50,000

$75,000

$100,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$6.74

$7.36

$7.89

$8.10

21

$6.74

$7.37

$7.91

$8.10

22

$6.74

$7.39

$7.93

$8.10

23

$6.74

$7.40

$7.95

$8.10

24

$6.74

$7.40

$7.97

$8.10

25

$6.74

$7.40

$7.99

$8.10

26

$6.74

$7.40

$8.01

$8.10

27

$6.74

$7.40

$8.03

$8.10

28

$6.74

$7.40

$8.05

$8.10

29

$6.74

$7.40

$8.05

$8.17

30-39 years old

Face Value

$25,000

$50,000

$75,000

$100,000

30

$6.74

$7.40

$8.05

$8.17

31

$6.79

$7.48

$8.14

$8.21

32

$6.85

$7.55

$8.17

$8.21

33

$6.92

$7.56

$8.20

$8.21

34

$7.00

$7.58

$8.22

$8.28

35

$7.09

$7.60

$8.25

$8.31

36

$7.18

$7.71

$8.41

$8.48

37

$7.29

$7.81

$8.56

$8.90

38

$7.40

$7.91

$8.72

$9.15

39

$7.53

$8.03

$8.90

$9.40

40-49 years old

Face Value

$25,000

$50,000

$75,000

$100,000

40

$7.68

$8.18

$9.12

$9.83

41

$7.83

$8.36

$9.39

$10.28

42

$8.00

$8.63

$9.79

$10.95

43

$8.20

$8.93

$10.24

$11.55

44

$8.42

$9.23

$10.70

$12.16

45

$8.70

$9.66

$11.35

$13.03

46

$9.03

$10.52

$12.64

$13.83

47

$9.42

$11.04

$13.42

$14.70

48

$9.83

$11.59

$14.24

$15.50

49

$10.27

$12.19

$15.14

$16.34

50-59 years old

Face Value

$25,000

$50,000

$75,000

$100,000

50

$10.74

$12.87

$16.15

$17.31

51

$11.20

$13.64

$17.31

$18.44

52

$11.68

$14.54

$18.65

$19.87

53

$12.18

$15.58

$20.22

$21.41

54

$12.79

$16.79

$22.03

$22.96

55

$13.51

$18.68

$24.87

$24.70

56

$14.31

$20.32

$27.32

$26.36

57

$15.16

$22.10

$29.99

$28.22

58

$16.14

$24.02

$32.88

$30.53

59

$17.31

$26.08

$35.97

$33.21

60-69 years old

Face Value

$25,000

$50,000

$75,000

$100,000

60

$18.73

$28.29

$39.28

$36.37

61

$20.71

$30.63

$42.80

$40.17

62

$23.19

$33.12

$46.53

$44.63

63

$25.73

$35.75

$50.48

$50.07

64

$27.88

$38.52

$54.63

$56.40

65

$29.17

$41.44

$59.00

$63.66

66

N/A

$95.39

67

N/A

$110.61

68

N/A

$129.04

69

N/A

$149.11

70-79 years old

Face Value

$25,000

$50,000

$75,000

$100,000

70

N/A

$171.48

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$25,000

$50,000

$75,000

$100,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$7.70

$9.31

$10.92

$10.59

21

$7.70

$9.31

$10.92

$10.59

22

$7.70

$9.31

$10.92

$10.59

23

$7.70

$9.31

$10.92

$10.59

24

$7.70

$9.31

$10.92

$10.59

25

$7.70

$9.31

$10.92

$10.59

26

$7.70

$9.31

$10.92

$10.71

27

$7.70

$9.31

$10.92

$10.83

28

$7.70

$9.31

$10.92

$10.96

29

$7.70

$9.31

$10.92

$11.02

30-39 years old

Face Value

$25,000

$50,000

$75,000

$100,000

30

$7.70

$9.31

$10.92

$11.14

31

$7.74

$9.40

$11.05

$11.14

32

$7.79

$9.48

$11.18

$11.14

33

$7.85

$9.61

$11.38

$11.24

34

$7.96

$9.83

$11.70

$11.74

35

$8.11

$10.14

$12.16

$12.34

36

$8.33

$10.57

$12.81

$12.79

37

$8.57

$11.05

$13.53

$13.49

38

$8.87

$11.66

$14.44

$13.99

39

$9.20

$12.31

$15.42

$14.76

40-49 years old

Face Value

$25,000

$50,000

$75,000

$100,000

40

$9.57

$13.05

$16.53

$15.39

41

$9.96

$13.83

$17.70

$16.69

42

$10.37

$14.66

$18.94

$17.61

43

$10.83

$15.57

$20.31

$18.76

44

$11.38

$16.66

$21.95

$19.91

45

$11.98

$17.88

$23.77

$21.67

46

$12.68

$19.27

$25.86

$25.78

47

$13.42

$20.75

$28.08

$28.01

48

$14.25

$22.40

$30.56

$30.45

49

$15.18

$24.27

$33.36

$33.13

50-59 years old

Face Value

$25,000

$50,000

$75,000

$100,000

50

$16.25

$26.40

$36.56

$36.09

51

$17.66

$29.23

$40.80

$40.56

52

$19.42

$32.76

$46.09

$45.73

53

$21.18

$36.28

$51.37

$51.83

54

$22.58

$39.06

$55.55

$59.22

55

$23.29

$40.50

$57.70

$67.68

56

N/A

$73.36

57

N/A

$82.22

58

N/A

$89.87

59

N/A

60-69 years old

Face Value

$25,000

$50,000

$75,000

$100,000

60

N/A

61

N/A

62

N/A

63

N/A

64

N/A

65

N/A

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

$25,000

$50,000

$75,000

$100,000

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$25,000

$50,000

$75,000

$100,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$7.20

$8.31

$9.42

$9.29

21

$7.20

$8.31

$9.42

$9.29

22

$7.20

$8.31

$9.42

$9.29

23

$7.20

$8.31

$9.42

$9.29

24

$7.20

$8.31

$9.42

$9.29

25

$7.20

$8.31

$9.42

$9.29

26

$7.20

$8.31

$9.42

$9.40

27

$7.20

$8.31

$9.42

$9.51

28

$7.20

$8.31

$9.42

$9.63

29

$7.20

$8.31

$9.42

$9.74

30-39 years old

Face Value

$25,000

$50,000

$75,000

$100,000

30

$7.20

$8.31

$9.42

$9.85

31

$7.24

$8.40

$9.55

$9.85

32

$7.29

$8.48

$9.68

$9.85

33

$7.37

$8.66

$9.94

$9.85

34

$7.46

$8.83

$10.20

$10.02

35

$7.59

$9.09

$10.59

$11.03

36

$7.76

$9.44

$11.11

$11.40

37

$7.94

$9.79

$11.64

$11.77

38

$8.18

$10.27

$12.35

$12.22

39

$8.42

$10.74

$13.07

$12.82

40-49 years old

Face Value

$25,000

$50,000

$75,000

$100,000

40

$8.68

$11.27

$13.85

$13.27

41

$8.96

$11.83

$14.70

$14.01

42

$9.24

$12.40

$15.55

$14.84

43

$9.55

$13.01

$16.46

$15.75

44

$9.92

$13.75

$17.57

$16.66

45

$10.35

$14.62

$18.88

$18.07

46

$10.85

$15.62

$20.38

$20.85

47

$11.40

$16.70

$22.01

$22.52

48

$12.01

$17.92

$23.84

$24.41

49

$12.68

$19.27

$25.86

$26.55

50-59 years old

Face Value

$25,000

$50,000

$75,000

$100,000

50

$13.46

$20.84

$28.21

$29.00

51

$14.51

$22.92

$31.34

$32.07

52

$15.81

$25.53

$35.26

$35.50

53

$17.10

$28.10

$39.11

$39.51

54

$18.12

$30.15

$42.17

$44.20

55

$18.62

$31.15

$43.67

$49.53

56

N/A

$58.47

57

N/A

$65.96

58

N/A

$73.10

59

N/A

60-69 years old

Face Value

$25,000

$50,000

$75,000

$100,000

60

N/A

61

N/A

62

N/A

63

N/A

64

N/A

65

N/A

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

$25,000

$50,000

$75,000

$100,000

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$25,000

$50,000

$75,000

$100,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$9.68

$13.33

$17.00

$18.92

21

$9.68

$13.33

$17.00

$18.92

22

$9.68

$13.33

$17.00

$18.06

23

$9.68

$13.33

$17.00

$18.06

24

$9.68

$13.33

$17.00

$17.20

25

$9.68

$13.33

$17.00

$17.20

26

$9.68

$13.33

$17.00

$17.20

27

$9.68

$13.33

$17.00

$18.06

28

$9.68

$13.33

$17.00

$18.06

29

$9.68

$13.33

$17.00

$18.92

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$9.68

$13.33

$17.00

$18.92

31

$9.68

$13.33

$17.13

$18.92

32

$9.68

$13.64

$17.16

$18.92

33

$9.68

$13.64

$17.16

$18.92

34

$9.68

$13.64

$17.16

$18.92

35

$9.68

$14.06

$17.99

$18.92

36

$10.10

$14.62

$19.00

$19.78

37

$10.40

$15.48

$19.96

$20.64

38

$10.82

$15.91

$21.27

$21.50

39

$11.32

$16.77

$22.71

$22.36

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$11.83

$17.20

$24.48

$23.22

41

$12.82

$19.35

$26.58

$27.52

42

$13.80

$21.07

$28.75

$31.82

43

$14.85

$23.22

$31.57

$36.12

44

$15.69

$24.94

$34.56

$40.42

45

$16.81

$27.09

$37.64

$44.66

46

$18.31

$29.01

$40.49

$48.56

47

$19.55

$31.36

$44.01

$52.76

48

$20.95

$33.76

$47.61

$57.06

49

$22.39

$36.41

$51.59

$62.16

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$23.46

$39.01

$55.49

$68.26

51

$25.46

$42.91

$61.34

$75.76

52

$27.69

$47.36

$68.01

$84.56

53

$30.16

$52.46

$75.66

$94.16

54

$32.99

$58.21

$84.29

$103.96

55

$36.06

$64.66

$93.96

$118.56

56

$39.06

$70.21

$102.29

$130.46

57

$42.51

$77.16

$112.71

$143.46

58

$46.26

$84.66

$123.96

$158.56

59

$50.74

$93.91

$137.39

$176.46

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$55.34

$102.51

$150.74

$194.16

61

$61.36

$114.51

$168.74

$216.86

62

$68.31

$128.06

$189.06

$242.06

63

$76.29

$143.56

$212.36

$272.06

64

$85.51

$161.46

$239.16

$306.06

65

$96.71

$183.16

$271.71

$346.66

66

$111.51

$212.21

$315.29

$398.36

67

$127.49

$234.47

$349.16

$440.81

68

$142.18

$258.82

$385.69

$486.72

69

$156.92

$286.02

$426.49

$542.06

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$173.25

$317.47

$473.66

$597.95

71

$197.71

$362.95

$541.87

$673.71

72

$223.84

$413.47

$617.87

$767.39

73

$252.81

$473.07

$707.27

$885.43

74

$292.34

$549.02

$821.20

$1,035.91

75

$337.09

$638.77

$955.81

$1,213.80

76

$401.39

$770.01

$1,152.46

$1,475.42

77

$478.20

$915.38

$1,370.52

$1,757.48

78

$569.12

$1,094.95

$1,639.77

$2,104.13

79

$662.20

$1,283.07

$1,922.05

$2,470.94

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

$750.66

$1,455.46

$2,180.16

$2,841.46

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$8.39

$11.18

$13.95

$14.62

21

$8.39

$11.18

$13.95

$14.62

22

$8.39

$11.18

$13.95

$14.62

23

$8.39

$11.18

$13.95

$14.62

24

$8.39

$11.18

$13.95

$14.62

25

$8.39

$11.18

$13.95

$14.62

26

$8.39

$11.18

$13.95

$14.62

27

$8.39

$11.18

$13.95

$14.62

28

$8.60

$11.38

$13.95

$14.62

29

$8.60

$11.42

$13.95

$14.62

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$8.60

$11.44

$13.95

$14.62

31

$8.60

$11.61

$13.95

$14.62

32

$8.79

$11.61

$14.38

$14.62

33

$8.82

$11.82

$14.38

$15.48

34

$8.94

$11.88

$14.77

$15.48

35

$8.98

$11.96

$15.03

$15.48

36

$9.31

$12.59

$15.69

$16.34

37

$9.40

$13.32

$17.04

$18.06

38

$9.85

$13.91

$17.72

$18.92

39

$10.43

$14.79

$19.03

$20.64

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$10.86

$15.54

$19.60

$21.50

41

$11.58

$16.88

$21.56

$24.94

42

$12.37

$18.57

$23.99

$28.38

43

$13.24

$20.48

$26.85

$31.82

44

$14.19

$22.01

$29.99

$35.26

45

$15.15

$23.41

$32.09

$38.70

46

$16.17

$24.66

$33.96

$41.76

47

$17.08

$26.86

$37.26

$45.36

48

$18.05

$28.71

$40.04

$48.66

49

$19.30

$30.76

$43.11

$52.26

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$19.76

$32.51

$45.74

$56.36

51

$21.04

$34.51

$48.74

$60.26

52

$22.46

$37.66

$53.46

$66.36

53

$24.01

$40.61

$57.89

$71.86

54

$25.76

$44.06

$63.06

$78.56

55

$27.71

$48.26

$69.36

$86.66

56

$29.61

$51.71

$74.54

$93.36

57

$31.74

$55.61

$80.39

$100.26

58

$34.09

$59.01

$85.49

$108.96

59

$36.84

$63.66

$92.46

$117.86

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$39.61

$70.26

$102.36

$127.16

61

$43.54

$76.06

$111.06

$141.06

62

$47.91

$83.61

$122.39

$156.06

63

$52.74

$91.96

$134.91

$172.66

64

$58.51

$101.76

$149.61

$192.36

65

$65.56

$113.71

$167.54

$216.36

66

$72.53

$133.07

$197.27

$243.46

67

$79.81

$145.98

$216.64

$267.28

68

$88.60

$161.46

$239.63

$296.02

69

$98.09

$178.07

$264.56

$329.08

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$107.84

$199.43

$296.77

$365.91

71

$124.45

$233.96

$348.60

$430.41

72

$143.77

$271.04

$403.70

$500.89

73

$166.12

$314.47

$469.04

$580.80

74

$189.60

$362.59

$541.54

$670.71

75

$216.31

$417.34

$623.67

$773.06

76

$270.31

$528.19

$789.73

$977.42

77

$328.71

$641.71

$960.01

$1,179.19

78

$399.68

$785.14

$1,175.17

$1,441.57

79

$485.40

$938.38

$1,405.02

$1,743.69

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

$575.02

$1,066.63

$1,597.09

$2,065.41

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$12.53

$18.99

$26.02

$30.96

21

$12.53

$18.99

$26.02

$30.96

22

$12.53

$18.99

$26.02

$30.96

23

$12.53

$18.99

$26.02

$30.96

24

$12.53

$18.99

$26.02

$30.96

25

$12.53

$18.99

$26.02

$30.96

26

$12.53

$18.99

$26.02

$30.96

27

$12.54

$19.02

$26.06

$30.96

28

$12.59

$19.11

$26.06

$31.45

29

$12.69

$19.30

$26.06

$31.45

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$12.70

$19.31

$26.09

$31.45

31

$12.74

$19.38

$26.42

$31.58

32

$12.98

$19.79

$26.75

$32.30

33

$13.17

$20.21

$27.34

$33.04

34

$13.30

$20.64

$28.16

$33.54

35

$13.45

$21.07

$28.73

$34.40

36

$14.13

$22.41

$30.64

$37.11

37

$14.73

$23.55

$32.13

$39.33

38

$15.80

$25.13

$34.39

$42.40

39

$15.86

$25.42

$34.69

$44.16

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$17.03

$27.76

$38.17

$48.66

41

$18.59

$30.16

$42.21

$53.26

42

$20.50

$33.11

$46.64

$59.06

43

$22.76

$36.36

$51.51

$65.86

44

$24.86

$39.96

$56.91

$73.36

45

$26.86

$44.46

$63.66

$82.36

46

$28.98

$47.71

$68.54

$89.06

47

$31.28

$51.76

$74.61

$96.76

48

$33.78

$56.21

$81.29

$105.46

49

$36.44

$61.01

$88.49

$115.26

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$39.34

$66.36

$96.51

$125.16

51

$42.49

$72.41

$105.59

$136.66

52

$46.16

$79.56

$116.31

$150.56

53

$50.54

$87.61

$128.39

$166.16

54

$55.74

$96.91

$142.34

$183.16

55

$61.51

$107.46

$158.16

$204.36

56

$68.11

$119.61

$176.39

$226.86

57

$75.72

$132.91

$196.34

$252.06

58

$84.82

$148.26

$219.36

$280.86

59

$95.01

$166.26

$246.36

$314.56

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$106.25

$183.86

$272.76

$354.26

61

$120.51

$212.91

$316.34

$399.36

62

$136.30

$245.06

$364.56

$455.06

63

$154.21

$283.01

$421.49

$520.06

64

$174.23

$327.91

$488.84

$596.06

65

$199.96

$381.11

$568.64

$685.56

66

$237.67

$453.09

$677.06

$866.59

67

$272.04

$515.96

$771.35

$1,000.78

68

$314.50

$595.46

$890.61

$1,144.83

69

$358.98

$697.98

$1,044.38

$1,340.05

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$409.53

$799.93

$1,197.31

$1,537.34

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$11.04

$15.84

$21.18

$23.78

21

$11.04

$15.84

$21.18

$23.78

22

$11.04

$15.84

$21.18

$23.78

23

$11.04

$15.84

$21.18

$23.78

24

$11.04

$15.84

$21.18

$23.78

25

$11.04

$15.84

$21.18

$23.78

26

$11.06

$15.91

$21.43

$23.89

27

$11.10

$16.17

$21.56

$24.19

28

$11.14

$16.34

$21.56

$24.54

29

$11.19

$16.47

$21.56

$24.90

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$11.26

$16.53

$21.76

$25.39

31

$11.40

$16.77

$21.86

$26.16

32

$11.56

$17.09

$22.32

$26.66

33

$11.61

$17.20

$22.74

$27.52

34

$11.73

$17.63

$23.24

$27.52

35

$11.83

$17.63

$23.99

$28.38

36

$12.39

$18.92

$25.73

$30.96

37

$12.99

$19.93

$26.75

$33.54

38

$13.35

$20.40

$27.45

$34.50

39

$14.01

$21.72

$29.43

$37.14

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$15.27

$24.48

$33.58

$42.14

41

$16.47

$26.31

$36.44

$45.46

42

$17.68

$28.91

$40.34

$50.66

43

$18.77

$31.47

$44.56

$55.77

44

$20.19

$34.00

$48.65

$61.05

45

$21.70

$36.91

$53.03

$67.15

46

$23.06

$39.62

$57.09

$72.11

47

$24.66

$42.83

$61.91

$78.01

48

$26.41

$46.33

$67.16

$84.44

49

$28.32

$50.15

$72.89

$91.45

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$30.44

$54.39

$79.25

$98.04

51

$32.84

$59.12

$86.34

$108.78

52

$35.34

$64.05

$93.74

$118.75

53

$38.23

$69.75

$102.29

$130.29

54

$41.54

$76.29

$112.10

$143.57

55

$45.33

$83.77

$123.32

$158.79

56

$49.71

$91.41

$134.77

$173.51

57

$54.63

$99.99

$147.64

$190.09

58

$60.70

$110.59

$163.54

$210.60

59

$67.78

$122.97

$182.12

$234.60

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

$76.13

$137.57

$204.02

$262.98

61

$84.19

$154.17

$228.91

$293.95

62

$93.65

$173.69

$258.19

$329.18

63

$105.20

$197.54

$293.96

$373.09

64

$118.64

$225.32

$335.64

$424.40

65

$134.08

$257.27

$383.57

$483.61

66

$187.72

$313.25

$467.03

$608.56

67

$215.32

$356.56

$532.00

$691.69

68

$247.19

$401.19

$598.94

$776.56

69

$280.18

$552.20

$825.57

$961.74

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

$317.89

$629.41

$941.38

$1,104.05

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$18.05

$28.88

$40.97

$49.26

21

$18.05

$28.88

$40.97

$49.26

22

$18.05

$28.88

$40.97

$49.26

23

$18.05

$28.88

$40.97

$49.26

24

$18.05

$28.88

$40.97

$49.26

25

$18.05

$28.88

$40.97

$49.27

26

$18.09

$28.99

$41.15

$49.58

27

$18.21

$29.33

$41.65

$50.42

28

$18.40

$29.84

$42.42

$51.74

29

$18.67

$30.60

$43.56

$53.67

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$18.79

$30.93

$44.06

$54.52

31

$19.03

$31.38

$44.73

$55.39

32

$19.54

$32.34

$46.17

$57.28

33

$20.09

$33.36

$47.70

$59.28

34

$20.76

$34.61

$49.57

$61.74

35

$21.45

$35.89

$51.50

$64.26

36

$22.54

$38.11

$54.83

$68.70

37

$23.67

$40.41

$58.27

$73.27

38

$25.13

$43.36

$62.71

$79.18

39

$26.79

$46.73

$67.76

$85.91

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$28.66

$50.53

$73.45

$93.50

41

$31.17

$55.33

$80.66

$103.08

42

$33.82

$60.40

$88.26

$113.05

43

$36.74

$65.99

$96.65

$124.39

44

$39.94

$72.11

$105.82

$136.64

45

$43.52

$78.99

$116.14

$150.45

46

$47.53

$86.73

$127.76

$165.38

47

$52.04

$94.64

$139.38

$179.65

48

$57.07

$105.20

$155.46

$201.07

49

$62.57

$115.88

$171.48

$221.78

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$68.68

$127.73

$189.26

$244.80

51

$76.20

$142.45

$211.34

$274.46

52

$84.91

$159.53

$236.95

$308.98

53

$95.19

$179.71

$267.23

$349.91

54

$107.66

$204.23

$304.00

$399.76

55

$121.94

$232.33

$346.15

$457.15

56

$150.50

$272.62

$407.64

$537.50

57

$168.99

$305.73

$457.31

$603.72

58

$190.92

$345.72

$517.29

$683.70

59

N/A

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

N/A

61

N/A

62

N/A

63

N/A

64

N/A

65

N/A

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$14.87

$22.51

$31.42

$37.37

21

$14.87

$22.51

$31.42

$37.37

22

$14.87

$22.51

$31.42

$37.37

23

$14.87

$22.51

$31.42

$37.37

24

$14.87

$22.51

$31.42

$37.37

25

$14.98

$22.93

$32.06

$38.22

26

$15.11

$23.26

$32.55

$38.87

27

$15.31

$23.80

$33.37

$39.96

28

$15.55

$24.42

$34.29

$41.19

29

$15.80

$25.09

$35.29

$42.53

30-39 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

30

$16.11

$25.90

$36.52

$44.16

31

$16.47

$26.58

$37.53

$45.56

32

$16.92

$27.39

$38.75

$47.25

33

$17.37

$28.24

$40.02

$49.01

34

$17.88

$29.19

$41.44

$50.96

35

$18.47

$30.27

$43.07

$53.21

36

$19.36

$32.11

$45.82

$57.03

37

$20.31

$34.08

$48.78

$61.14

38

$21.36

$36.25

$52.04

$65.68

39

$22.45

$38.52

$55.44

$70.40

40-49 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

40

$23.61

$40.91

$59.03

$75.38

41

$25.27

$44.06

$63.74

$81.78

42

$27.11

$47.53

$68.95

$88.86

43

$29.13

$51.35

$74.69

$96.67

44

$31.39

$55.62

$81.10

$105.40

45

$34.02

$60.61

$88.57

$115.60

46

$36.68

$65.54

$95.96

$124.90

47

$39.84

$71.40

$104.77

$136.00

48

$43.42

$78.06

$114.76

$148.61

49

$47.46

$85.60

$126.05

$159.78

50-59 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

50

$52.11

$94.25

$139.03

$179.35

51

$58.00

$105.12

$155.35

$201.57

52

$64.58

$117.30

$173.60

$226.54

53

$72.28

$131.56

$194.99

$255.90

54

$81.29

$148.27

$220.06

$290.43

55

$91.56

$167.34

$248.66

$329.99

56

$110.30

$205.97

$307.67

$389.58

57

$124.70

$233.06

$348.30

$441.18

58

$138.89

$260.15

$388.94

$492.78

59

N/A

60-69 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

60

N/A

61

N/A

62

N/A

63

N/A

64

N/A

65

N/A

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

$250,000

$500,000

$750,000

$1,000,000

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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:

Average Cost of Life Insurance from $250,000 to $1 Million

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

$33.67

$46.99

$60.03

$73.06

21

$33.67

$46.99

$60.03

$73.06

22

$33.54

$46.99

$60.03

$73.06

23

$33.54

$46.99

$60.03

$73.06

24

$31.82

$46.44

$60.03

$73.06

25

$31.82

$46.44

$60.03

$73.06

26

$31.82

$46.44

$60.03

$73.06

27

$33.54

$46.99

$60.03

$73.06

28

$33.54

$46.99

$60.03

$73.06

29

$33.67

$46.99

$60.03

$73.06

30-39 years old

Face Value

2 Million

3 Million

4 Million

5 Million

30

$33.67

$46.99

$60.03

$73.06

31

$34.04

$47.12

$60.20

$73.28

32

$35.18

$48.83

$62.48

$76.13

33

$35.26

$49.74

$63.70

$77.66

34

$35.26

$50.79

$65.10

$79.41

35

$35.26

$51.60

$66.41

$81.05

36

$36.98

$54.18

$70.53

$86.19

37

$38.70

$56.76

$74.81

$91.55

38

$40.42

$59.34

$78.26

$97.18

39

$42.14

$61.92

$81.70

$101.48

40-49 years old

Face Value

2 Million

3 Million

4 Million

5 Million

40

$43.86

$64.50

$85.14

$105.78

41

$52.46

$77.31

$100.45

$123.59

42

$61.06

$88.59

$115.50

$142.41

43

$68.16

$98.31

$128.45

$158.59

44

$76.06

$111.06

$146.06

$181.06

45

$82.66

$120.96

$159.26

$197.56

46

$90.46

$132.66

$174.86

$217.06

47

$99.06

$145.56

$192.06

$238.56

48

$107.66

$158.46

$209.26

$260.06

49

$117.86

$173.76

$229.66

$285.56

50-59 years old

Face Value

2 Million

3 Million

4 Million

5 Million

50

$129.86

$191.76

$253.66

$315.56

51

$145.06

$214.56

$284.06

$353.56

52

$162.46

$240.66

$318.86

$397.06

53

$181.86

$269.76

$357.66

$445.56

54

$201.46

$299.16

$396.86

$494.56

55

$230.46

$342.66

$454.86

$567.06

56

$254.26

$378.36

$502.46

$626.56

57

$280.46

$417.66

$554.86

$692.06

58

$310.46

$462.66

$614.86

$767.06

59

$346.26

$516.36

$686.46

$856.56

60-69 years old

Face Value

2 Million

3 Million

4 Million

5 Million

60

$381.66

$569.46

$757.26

$945.06

61

$427.06

$637.56

$848.06

$1,058.56

62

$477.46

$713.16

$948.86

$1,184.56

63

$537.46

$803.16

$1,068.86

$1,334.56

64

$605.46

$905.16

$1,204.86

$1,504.56

65

$686.66

$1,026.96

$1,367.26

$1,707.56

66

$790.06

$1,179.22

$1,570.39

$1,961.57

67

$876.93

$1,309.84

$1,744.56

$2,179.28

68

$968.77

$1,450.81

$1,932.85

$2,414.90

69

$1,079.44

$1,616.82

$2,154.19

$2,691.57

70-79 years old

Face Value

2 Million

3 Million

4 Million

5 Million

70

$1,191.23

$1,784.50

$2,377.78

$2,971.05

71

$1,342.73

$2,011.76

$2,680.79

$3,349.81

72

$1,530.11

$2,292.82

$3,055.53

$3,818.25

73

$1,766.19

$2,646.94

$3,527.69

$4,408.44

74

$2,067.14

$3,098.37

$4,129.59

$5,160.82

75

$2,422.91

$3,632.03

$4,841.15

$6,050.26

76

$2,945.74

$4,312.11

$5,747.58

$7,183.06

77

$3,509.87

$4,859.57

$6,477.54

$8,095.50

78

$4,200.39

$5,520.62

$7,358.93

$9,197.24

79

$4,936.78

$6,150.74

$8,199.09

$10,247.44

80 years old

Face Value

2 Million

3 Million

4 Million

5 Million

80

$5,676.26

$6,812.73

$9,081.75

$11,350.76

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$26.66

$37.25

$47.85

$58.44

21

$26.66

$37.25

$47.85

$58.44

22

$26.66

$37.25

$47.85

$58.44

23

$26.66

$37.25

$47.85

$58.44

24

$26.66

$37.25

$47.85

$58.44

25

$26.66

$37.25

$47.85

$58.44

26

$26.66

$37.25

$47.85

$58.44

27

$26.66

$37.25

$47.85

$58.44

28

$26.66

$37.25

$47.85

$58.44

29

$26.66

$37.25

$47.85

$58.44

30-39 years old

Face Value

2 Million

3 Million

4 Million

5 Million

30

$26.66

$37.25

$47.85

$58.44

31

$26.66

$38.70

$49.70

$60.16

32

$26.66

$38.70

$50.74

$62.78

33

$28.38

$41.28

$53.20

$64.53

34

$28.38

$41.28

$54.18

$66.17

35

$28.38

$41.28

$54.18

$67.08

36

$30.10

$43.86

$57.62

$71.38

37

$33.54

$48.61

$62.71

$76.81

38

$35.26

$50.25

$64.90

$79.55

39

$38.64

$54.81

$70.97

$87.14

40-49 years old

Face Value

2 Million

3 Million

4 Million

5 Million

40

$40.42

$59.34

$77.36

$95.12

41

$47.00

$67.35

$87.70

$108.05

42

$53.48

$77.07

$100.66

$124.25

43

$59.46

$86.16

$112.86

$139.56

44

$65.06

$94.56

$124.06

$153.56

45

$72.86

$106.26

$139.66

$173.06

46

$77.06

$112.56

$148.06

$183.56

47

$84.06

$123.06

$162.06

$201.06

48

$90.66

$132.96

$175.26

$217.56

49

$97.86

$143.76

$189.66

$235.56

50-59 years old

Face Value

2 Million

3 Million

4 Million

5 Million

50

$106.26

$156.36

$206.46

$256.56

51

$114.06

$168.06

$222.06

$276.06

52

$126.06

$186.06

$246.06

$306.06

53

$137.26

$202.86

$268.46

$334.06

54

$150.46

$222.66

$294.86

$367.06

55

$166.86

$247.26

$327.66

$408.06

56

$180.06

$267.06

$354.06

$441.06

57

$193.86

$287.76

$381.66

$475.56

58

$211.46

$314.16

$416.86

$519.56

59

$229.06

$340.56

$452.06

$563.56

60-69 years old

Face Value

2 Million

3 Million

4 Million

5 Million

60

$247.66

$368.46

$489.26

$610.66

61

$275.66

$410.46

$545.26

$680.06

62

$305.46

$455.16

$604.86

$754.56

63

$338.66

$504.96

$671.26

$837.56

64

$378.26

$564.36

$750.46

$936.56

65

$426.06

$636.06

$846.06

$1,056.06

66

$482.24

$721.03

$959.81

$1,198.59

67

$529.88

$792.28

$1,054.68

$1,317.07

68

$587.35

$878.69

$1,170.03

$1,461.37

69

$653.48

$977.89

$1,302.29

$1,626.69

70-79 years old

Face Value

2 Million

3 Million

4 Million

5 Million

70

$727.15

$1,088.38

$1,449.61

$1,810.84

71

$856.14

$1,281.87

$1,707.60

$2,133.33

72

$993.91

$1,486.93

$1,979.95

$2,472.97

73

$1,154.91

$1,728.43

$2,301.95

$2,875.47

74

$1,336.75

$2,002.78

$2,668.82

$3,334.85

75

$1,541.45

$2,309.83

$3,078.21

$3,846.59

76

$1,949.37

$2,773.56

$3,696.18

$4,618.81

77

$2,350.51

$3,521.83

$4,693.15

$5,864.47

78

$2,878.03

$4,314.50

$5,636.30

$7,043.73

79

$3,482.28

$4,616.45

$6,153.37

$7,690.29

80 years old

Face Value

2 Million

3 Million

4 Million

5 Million

80

$4,125.73

$5,534.36

$7,377.25

$9,220.14

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$57.75

$82.68

$107.62

$132.56

21

$57.75

$82.68

$107.62

$132.56

22

$57.75

$82.68

$107.62

$132.56

23

$57.75

$82.68

$107.62

$132.56

24

$57.75

$82.68

$107.62

$132.56

25

$57.75

$82.68

$107.62

$132.56

26

$57.75

$82.68

$107.62

$132.56

27

$57.75

$82.68

$107.62

$132.56

28

$57.75

$82.68

$107.62

$132.56

29

$57.75

$82.68

$107.62

$132.56

30-39 years old

Face Value

2 Million

3 Million

4 Million

5 Million

30

$57.75

$82.68

$107.62

$132.56

31

$57.71

$82.62

$107.54

$132.45

32

$59.11

$84.72

$110.34

$135.95

33

$60.59

$86.95

$113.31

$139.67

34

$62.43

$89.71

$116.99

$144.27

35

$64.28

$94.49

$120.69

$148.90

36

$68.91

$99.42

$129.94

$160.45

37

$72.84

$106.11

$139.30

$172.16

38

$78.67

$114.86

$151.05

$187.23

39

$79.46

$116.03

$152.61

$189.19

40-49 years old

Face Value

2 Million

3 Million

4 Million

5 Million

40

$90.66

$132.96

$175.26

$217.56

41

$100.06

$147.06

$194.06

$241.06

42

$111.66

$164.46

$217.26

$270.06

43

$125.06

$184.56

$244.06

$303.56

44

$140.06

$207.06

$274.06

$341.06

45

$158.06

$234.06

$310.06

$386.06

46

$171.66

$254.46

$337.26

$420.06

47

$187.06

$277.56

$368.06

$458.56

48

$204.26

$303.36

$402.46

$501.56

49

$223.86

$332.76

$441.66

$550.56

50-59 years old

Face Value

2 Million

3 Million

4 Million

5 Million

50

$243.86

$362.76

$481.66

$600.56

51

$266.86

$397.26

$527.66

$658.06

52

$294.66

$438.96

$583.26

$727.56

53

$325.86

$485.76

$645.66

$805.56

54

$359.66

$536.46

$713.26

$890.06

55

$402.06

$600.06

$798.06

$996.06

56

$447.26

$667.86

$888.46

$1,109.06

57

$497.46

$743.16

$988.86

$1,234.56

58

$555.26

$829.86

$1,104.46

$1,379.06

59

$622.66

$930.96

$1,239.26

$1,547.56

60-69 years old

Face Value

2 Million

3 Million

4 Million

5 Million

60

$701.86

$1,049.76

$1,397.66

$1,745.56

61

$792.26

$1,185.36

$1,578.46

$1,971.56

62

$903.66

$1,352.46

$1,801.26

$2,250.06

63

$1,033.46

$1,547.16

$2,060.86

$2,574.56

64

$1,185.66

$1,775.46

$2,365.26

$2,955.06

65

$1,364.66

$2,043.96

$2,723.26

$3,402.56

66

$1,727.73

$2,588.86

$3,449.99

$4,311.12

67

$1,996.10

$2,991.41

$3,986.73

$4,982.04

68

$2,284.50

$3,424.17

$4,563.84

$5,703.52

69

$2,674.94

$4,009.67

$5,344.40

$6,679.13

70-79 years old

Face Value

2 Million

3 Million

4 Million

5 Million

70

$3,069.51

$4,601.67

$6,133.74

$7,665.80

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

2 Million

3 Million

4 Million

5 Million

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$42.88

$61.76

$80.63

$99.20

21

$42.88

$61.76

$80.63

$99.20

22

$42.88

$61.76

$80.63

$99.20

23

$42.88

$61.76

$80.63

$99.20

24

$42.88

$61.76

$80.63

$99.20

25

$42.88

$61.77

$80.63

$99.20

26

$43.10

$62.09

$80.94

$99.20

27

$43.69

$62.67

$80.94

$99.20

28

$44.39

$62.67

$80.94

$99.20

29

$44.41

$62.67

$80.94

$99.20

30-39 years old

Face Value

2 Million

3 Million

4 Million

5 Million

30

$44.41

$62.67

$80.94

$99.20

31

$45.89

$64.90

$83.91

$102.92

32

$47.47

$67.27

$87.06

$106.86

33

$49.89

$70.90

$91.90

$112.91

34

$52.46

$75.01

$97.39

$119.77

35

$54.18

$78.81

$102.81

$126.55

36

$57.22

$82.68

$108.14

$133.60

37

$59.03

$85.39

$111.75

$138.11

38

$60.83

$88.10

$115.37

$142.64

39

$65.94

$95.76

$125.58

$155.40

40-49 years old

Face Value

2 Million

3 Million

4 Million

5 Million

40

$78.32

$114.33

$150.34

$186.35

41

$84.26

$123.36

$162.46

$201.56

42

$94.86

$139.26

$183.66

$228.06

43

$106.46

$156.06

$205.45

$254.84

44

$117.42

$173.80

$229.90

$285.95

45

$129.61

$192.08

$254.55

$317.01

46

$139.54

$206.97

$274.40

$341.60

47

$151.34

$224.67

$298.00

$371.33

48

$164.19

$243.95

$323.70

$403.46

49

$178.22

$264.98

$351.75

$438.52

50-59 years old

Face Value

2 Million

3 Million

4 Million

5 Million

50

$193.50

$288.32

$382.86

$477.41

51

$212.88

$316.98

$421.08

$525.18

52

$232.82

$346.89

$460.96

$575.03

53

$255.91

$381.52

$507.13

$632.74

54

$282.46

$421.35

$560.24

$699.13

55

$312.91

$467.02

$621.13

$775.25

56

$342.33

$511.16

$679.99

$848.81

57

$375.50

$560.91

$746.32

$931.73

58

$416.52

$622.44

$828.36

$1,034.28

59

$464.53

$694.45

$924.38

$1,154.30

60-69 years old

Face Value

2 Million

3 Million

4 Million

5 Million

60

$521.28

$779.57

$1,037.87

$1,296.17

61

$582.02

$870.69

$1,159.35

$1,448.02

62

$653.69

$978.19

$1,302.70

$1,627.20

63

$741.49

$1,109.90

$1,478.31

$1,846.71

64

$844.12

$1,263.84

$1,683.57

$2,103.29

65

$962.54

$1,441.48

$1,920.41

$2,399.34

66

$1,211.44

$1,757.51

$2,341.45

$2,925.39

67

$1,377.69

$2,063.69

$2,749.69

$3,435.69

68

$1,547.44

$2,318.31

$3,089.19

$3,860.06

69

$1,918.00

$2,874.27

$3,830.54

$4,786.80

70-79 years old

Face Value

2 Million

3 Million

4 Million

5 Million

70

$2,202.63

$3,301.21

$4,399.80

$5,498.38

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

2 Million

3 Million

4 Million

5 Million

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$93.84

$138.43

$183.01

$227.59

21

$93.84

$138.43

$183.01

$227.59

22

$93.84

$138.43

$183.01

$227.59

23

$93.84

$138.43

$183.01

$227.59

24

$93.84

$138.43

$183.01

$227.59

25

$93.86

$138.45

$183.04

$227.63

26

$94.47

$139.37

$184.27

$229.16

27

$96.16

$141.90

$187.63

$233.37

28

$98.79

$145.85

$192.90

$239.96

29

$102.67

$151.66

$200.66

$249.65

30-39 years old

Face Value

2 Million

3 Million

4 Million

5 Million

30

$104.35

$154.19

$203.35

$252.22

31

$106.10

$156.81

$207.38

$257.25

32

$109.88

$162.47

$214.99

$266.77

33

$113.89

$168.49

$223.04

$276.83

34

$118.80

$175.86

$232.92

$289.19

35

$123.85

$183.43

$243.02

$302.27

36

$132.72

$196.75

$260.66

$323.86

37

$141.87

$210.46

$279.06

$347.65

38

$153.68

$228.19

$302.69

$377.19

39

$167.15

$248.38

$329.62

$410.85

40-49 years old

Face Value

2 Million

3 Million

4 Million

5 Million

40

$182.31

$271.13

$359.95

$448.76

41

$201.49

$297.43

$394.68

$491.93

42

$221.00

$327.94

$435.36

$542.77

43

$244.11

$363.82

$483.54

$603.25

44

$268.60

$398.12

$528.93

$659.74

45

$296.21

$441.98

$587.75

$733.51

46

$326.08

$484.29

$643.82

$803.35

47

$354.29

$528.94

$703.58

$878.23

48

$397.46

$593.09

$790.25

$986.64

49

$438.88

$655.98

$873.07

$1,090.17

50-59 years old

Face Value

2 Million

3 Million

4 Million

5 Million

50

$484.91

$725.03

$965.15

$1,205.26

51

$544.24

$814.02

$1,083.81

$1,353.59

52

$613.28

$917.58

$1,221.88

$1,526.18

53

$695.13

$1,040.36

$1,385.59

$1,730.82

54

$794.84

$1,189.92

$1,585.00

$1,908.08

55

$909.62

$1,362.10

$1,814.57

$2,267.04

56

$1,072.42

$1,607.34

$2,142.26

$2,677.18

57

$1,204.86

$1,806.00

$2,407.14

$3,008.28

58

$1,364.82

$2,045.94

$2,727.06

$3,408.18

59

N/A

60-69 years old

Face Value

2 Million

3 Million

4 Million

5 Million

60

N/A

61

N/A

62

N/A

63

N/A

64

N/A

65

N/A

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

2 Million

3 Million

4 Million

5 Million

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

2 Million

3 Million

4 Million

5 Million

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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

$70.06

$102.75

$135.44

$168.13

21

$70.06

$102.75

$135.44

$168.13

22

$70.06

$102.75

$135.44

$168.13

23

$70.06

$102.75

$135.44

$168.13

24

$70.06

$102.75

$135.44

$168.13

25

$71.76

$105.30

$138.84

$172.38

26

$73.05

$107.24

$141.43

$175.61

27

$75.25

$110.53

$145.81

$181.10

28

$77.69

$114.20

$150.71

$187.22

29

$80.38

$118.23

$156.08

$193.93

30-39 years old

Face Value

2 Million

3 Million

4 Million

5 Million

30

$83.64

$123.11

$161.53

$199.94

31

$86.43

$127.31

$168.19

$208.30

32

$89.82

$132.38

$174.77

$216.50

33

$93.33

$137.66

$181.46

$224.85

34

$97.24

$143.53

$188.88

$234.13

35

$101.75

$149.56

$196.79

$244.02

36

$109.38

$161.17

$212.26

$263.36

37

$117.24

$171.92

$226.60

$281.29

38

$126.67

$187.67

$247.99

$308.02

39

$136.12

$201.85

$267.57

$332.78

40-49 years old

Face Value

2 Million

3 Million

4 Million

5 Million

40

$146.09

$216.79

$287.49

$358.19

41

$158.89

$235.99

$313.09

$390.20

42

$173.05

$257.23

$341.42

$425.60

43

$188.65

$280.64

$372.63

$464.61

44

$206.13

$306.85

$407.58

$508.30

45

$226.51

$337.43

$448.35

$559.26

46

$245.13

$365.35

$485.58

$605.80

47

$267.33

$398.65

$529.98

$661.30

48

$292.54

$436.47

$580.40

$724.33

49

$314.55

$469.33

$624.11

$778.89

50-59 years old

Face Value

2 Million

3 Million

4 Million

5 Million

50

$354.01

$528.68

$703.35

$878.01

51

$398.45

$595.34

$792.22

$989.11

52

$448.40

$670.26

$892.11

$1,113.97

53

$507.11

$758.33

$1,009.55

$1,260.77

54

$576.19

$861.94

$1,147.69

$1,433.44

55

$655.30

$980.62

$1,305.93

$1,631.24

56

$776.58

$1,163.58

$1,550.58

$1,937.58

57

$879.78

$1,318.38

$1,756.98

$2,195.58

58

$982.98

$1,473.18

$1,963.38

$2,453.58

59

N/A

60-69 years old

Face Value

2 Million

3 Million

4 Million

5 Million

60

N/A

61

N/A

62

N/A

63

N/A

64

N/A

65

N/A

66

N/A

67

N/A

68

N/A

69

N/A

70-79 years old

Face Value

2 Million

3 Million

4 Million

5 Million

70

N/A

71

N/A

72

N/A

73

N/A

74

N/A

75

N/A

76

N/A

77

N/A

78

N/A

79

N/A

80 years old

Face Value

2 Million

3 Million

4 Million

5 Million

80

N/A

*All quotes are based on a monthly premium and valid as of 01/15/2020. 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!

Actual Life Insurance Rates By Age

Quick Rates Guide

10 Year Term Quotes

10 Year Term Life Insurance Rates

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

30-39 years old

40-49 years old

50-59 years old

60-69 years old

70-79 years old

80 years old

10 Year Term Life Insurance Rates

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

30-39 years old

40-49 years old

50-59 years old

60-69 years old

70-79 years old

80 years old

15 Year Term Quotes

15 Year Term Life Insurance Rates

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

30-39 years old

40-49 years old

50-59 years old

60-69 years old

70-79 years old

80 years old

15 Year Term Life Insurance Rates

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

30-39 years old

40-49 years old

50-59 years old

60-69 years old

70-79 years old

80 years old

20 Year Term Quotes

20 Year Term Life Insurance Rates

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

30-39 years old

40-49 years old

50-59 years old

60-69 years old

70-79 years old

80 years old

20 Year Term Life Insurance Rates

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

30-39 years old

40-49 years old

50-59 years old

60-69 years old

70-79 years old

80 years old

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.

25 Year Term Quotes

25 Year Term Life Insurance Rates

All quotes are based on a monthly premium and valid as of 01/15/2020. Quotes are for a male, in excellent health, non-smoker, and are subject to change.

20-29 years old

30-39 years old

40-49 years old

50-59 years old

60-69 years old

70-79 years old

80 years old

25 Year Term Life Insurance Rates

All quotes are based on a monthly premium and valid as of 01/15/2020. Quotes are for a female, in excellent health, non-smoker, and are subject to change.

20-29 years old

30-39 years old

40-49 years old

50-59 years old

60-69 years old

70-79 years old

80 years old

30 Year Term Quotes