Are you looking to purchase life insurance, but aren’t ready to speak with an agent yet?
Do you wish you could get a general idea about what it might cost to purchase a life insurance policy without having to give someone your phone number or email address?
We’ll if so, you’ve come to the right place, because in this article we wanted to provide folks with the ability to get a “general” idea about what a life insurance policy might cost them as well as provide them with an opportunity to see how prices can vary significantly when comparing Term vs Whole life insurance rates.
You see, at I&E, our goal is to align our clients with the best life insurance policy for each person’s unique need, based on your specific goals and objectives.
What that means for you, is we take the time to talk with you about what your goals are and the best life insurance would be, specifically tailored to your unique need.
Sometimes that means the best coverage for you will be term life insurance.
Other times, whole life insurance might be the best option.
And there are circumstances when both types of coverage are ideal.
The bottom line is, there is no cookie cutter, “one size fits all” recommendation here. We will not tell you to buy term and invest the difference, if there is a better option for you.
So, if you are looking for something more than “just a quote”, we are here to help you make the best decision on life insurance for you, custom fit to meet your specific goals.
How Much Does Life Insurance Cost?
There is a lot that goes into determining your life insurance rates. What rates class you qualify at, current age, health and lifestyle are huge factors.
In addition, the face amount, term length and type of policy also weigh heavily on your life insurance cost.
Some tips on getting the best life insurance rates:
- Pay annually, rather than monthly premium payments.
- For term life, consider an income provider option rider that pays the death benefit in payments rather than one lump sum.
- For whole life, choose a policy that extends your premium payments out to age 121, versus a limited pay life insurance policy where the premium is due in a shorter period of time.
Please note, the following life insurance rates are here to help you get an idea of what a policy would cost for someone in the top rate class.
Life Insurance Rate Classes include:
- Preferred Plus
- Preferred
- Standard Plus
- Standard
- Table Rated (A-J)
Since your rate class is determined by a variety of factors, getting life insurance rates specifically tailored to you may require you speak to a licensed professional.
For complimentary life insurance quotes, please give us a call today or enter your info in our quote forms below.
Term Life vs Whole Life Insurance Rates
Life Insurance Rates By Age
The following life insurance rates by age charts are segmented based on the term length for ages 20-80 for term life and ages 20-60 for whole life insurance.
Price Bands
The life insurance quotes below are segmented into bands consisting of $250,000, $500,000, $750,000 and $1,000,000 of life insurance because carriers offer price breaks on coverage as you increase your total insurance.
So, for example, the life insurance cost per unit for $1,000,000 will be less than the total cost per unit for $250,000.
Top Rated
All of the life insurance rates below are from top rated life insurance companies with an A.M. Best A- rating and better.
10 Year Term Life Insurance Rates
10 year term life insurance is ideal for SBA loans that require life insurance as collateral.
Since the term is shorter, 10 year term life is cheaper than the longer term lengths and is ideal for the person who wants the lowest cost life insurance.
10 year term is available up to age 80.
MaleFemale
10 Year Term Life Insurance Rates
The following 10 year sample quotes are based on a male qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $9.77 | $14.02 | $18.32 | $19.57 |
| 21 | $9.77 | $14.02 | $18.32 | $19.57 |
| 22 | $9.77 | $14.02 | $18.32 | $19.57 |
| 23 | $9.77 | $14.02 | $18.32 | $19.57 |
| 24 | $9.77 | $14.02 | $18.32 | $19.57 |
| 25 | $9.77 | $14.02 | $18.32 | $19.57 |
| 26 | $9.77 | $14.02 | $18.32 | $19.57 |
| 27 | $9.77 | $14.02 | $18.32 | $19.57 |
| 28 | $9.77 | $14.02 | $18.32 | $19.57 |
| 29 | $9.77 | $14.02 | $18.32 | $19.57 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $9.77 | $13.76 | $18.32 | $19.57 |
| 31 | $9.77 | $14.02 | $18.51 | $19.94 |
| 32 | $9.77 | $14.07 | $18.72 | $20.36 |
| 33 | $9.77 | $14.06 | $18.84 | $20.81 |
| 34 | $9.77 | $14.06 | $18.96 | $21.40 |
| 35 | $9.77 | $14.06 | $19.04 | $21.92 |
| 36 | $10.10 | $14.90 | $20.02 | $23.09 |
| 37 | $10.39 | $15.49 | $20.89 | $24.12 |
| 38 | $10.82 | $16.33 | $22.16 | $25.62 |
| 39 | $11.32 | $17.31 | $23.63 | $27.36 |
40-49 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $11.89 | $18.43 | $25.31 | $29.23 |
| 41 | $12.81 | $20.25 | $28.04 | $32.11 |
| 42 | $13.80 | $21.83 | $30.77 | $34.74 |
| 43 | $14.84 | $24.06 | $33.12 | $38.76 |
| 44 | $15.69 | $25.38 | $35.15 | $43.01 |
| 45 | $16.81 | $27.62 | $38.92 | $46.88 |
| 46 | $18.30 | $30.60 | $43.20 | $51.05 |
| 47 | $19.55 | $33.07 | $47.11 | $55.59 |
| 48 | $20.95 | $35.84 | $51.20 | $60.66 |
| 49 | $22.49 | $38.88 | $54.28 | $66.25 |
50-59 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $24.17 | $42.22 | $59.38 | $72.38 |
| 51 | $26.34 | $46.53 | $67.26 | $81.26 |
| 52 | $28.67 | $51.19 | $74.45 | $90.87 |
| 53 | $31.36 | $56.55 | $82.49 | $101.92 |
| 54 | $34.39 | $63.33 | $91.55 | $113.77 |
| 55 | $37.34 | $68.49 | $100.40 | $126.56 |
| 56 | $40.64 | $74.85 | $109.93 | $139.05 |
| 57 | $44.46 | $82.22 | $120.99 | $153.54 |
| 58 | $49.06 | $91.09 | $134.29 | $170.30 |
| 59 | $54.03 | $100.66 | $148.65 | $189.81 |
60-69 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $59.11 | $110.46 | $163.36 | $209.09 |
| 61 | $65.86 | $123.33 | $182.65 | $233.24 |
| 62 | $73.15 | $137.20 | $203.46 | $259.28 |
| 63 | $81.62 | $152.56 | $226.27 | $289.59 |
| 64 | $91.39 | $171.69 | $254.95 | $324.54 |
| 65 | $99.97 | $193.76 | $287.66 | $365.49 |
| 66 | $114.28 | $213.34 | $317.43 | $400.49 |
| 67 | $127.47 | $234.46 | $349.11 | $440.80 |
| 68 | $142.50 | $263.72 | $393.00 | $486.72 |
| 69 | $160.59 | $295.64 | $440.88 | $544.20 |
70-79 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $178.86 | $327.89 | $489.50 | $597.95 |
| 71 | $198.97 | $366.15 | $546.64 | $673.70 |
| 72 | $223.83 | $413.47 | $619.03 | $767.39 |
| 73 | $252.79 | $473.07 | $707.26 | $885.43 |
| 74 | $292.33 | $549.02 | $821.19 | $1,035.90 |
| 75 | $336.66 | $638.76 | $955.81 | $1,213.79 |
| 76 | $393.53 | $772.74 | $1,156.56 | $1,485.31 |
| 77 | $450.41 | $894.69 | $1,370.52 | $1,736.00 |
| 78 | $507.06 | $1,008.00 | $1,508.94 | $1,942.50 |
| 79 | $563.94 | $1,121.75 | $1,679.56 | $2,149.00 |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | $620.81 | $1,235.50 | $1,850.19 | $2,354.63 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
10 Year Term Life Insurance Rates
The following 10 year sample quotes are based on a female qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $8.53 | $11.22 | $14.32 | $16.66 |
| 21 | $8.53 | $11.22 | $14.32 | $16.66 |
| 22 | $8.53 | $11.22 | $14.32 | $16.66 |
| 23 | $8.53 | $11.22 | $14.32 | $16.66 |
| 24 | $8.53 | $11.22 | $14.32 | $16.66 |
| 25 | $8.53 | $11.22 | $14.32 | $16.66 |
| 26 | $8.60 | $11.22 | $14.32 | $16.66 |
| 27 | $8.64 | $11.30 | $14.44 | $16.66 |
| 28 | $8.68 | $11.38 | $14.56 | $16.66 |
| 29 | $8.70 | $11.42 | $14.62 | $16.66 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $8.71 | $11.44 | $14.65 | $16.66 |
| 31 | $8.80 | $11.62 | $15.50 | $17.09 |
| 32 | $8.84 | $11.70 | $16.13 | $17.57 |
| 33 | $8.90 | $11.80 | $16.54 | $18.07 |
| 34 | $8.94 | $11.88 | $16.86 | $18.75 |
| 35 | $8.98 | $11.96 | $17.15 | $19.35 |
| 36 | $9.31 | $12.62 | $18.08 | $20.48 |
| 37 | $9.66 | $13.32 | $19.20 | $21.59 |
| 38 | $10.03 | $14.06 | $20.12 | $22.40 |
| 39 | $10.43 | $14.86 | $21.54 | $24.43 |
40-49 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $10.86 | $15.72 | $22.50 | $26.51 |
| 41 | $11.58 | $17.16 | $24.50 | $28.96 |
| 42 | $12.37 | $18.74 | $25.75 | $31.33 |
| 43 | $13.24 | $20.48 | $28.44 | $34.08 |
| 44 | $14.19 | $22.38 | $30.83 | $37.38 |
| 45 | $15.15 | $24.30 | $33.92 | $41.14 |
| 46 | $16.17 | $25.88 | $36.49 | $43.44 |
| 47 | $17.07 | $27.53 | $38.96 | $46.50 |
| 48 | $18.08 | $29.36 | $41.70 | $49.90 |
| 49 | $19.29 | $31.56 | $45.00 | $53.98 |
50-59 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $20.78 | $34.27 | $49.07 | $59.02 |
| 51 | $22.26 | $37.32 | $53.36 | $65.65 |
| 52 | $23.85 | $40.22 | $57.19 | $72.00 |
| 53 | $25.46 | $43.34 | $62.67 | $78.80 |
| 54 | $27.09 | $46.49 | $67.40 | $85.66 |
| 55 | $28.75 | $49.71 | $72.23 | $92.69 |
| 56 | $30.86 | $53.67 | $78.17 | $100.05 |
| 57 | $33.12 | $57.91 | $84.53 | $107.93 |
| 58 | $35.70 | $62.73 | $91.03 | $115.90 |
| 59 | $38.46 | $67.92 | $99.32 | $126.54 |
60-69 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $41.50 | $73.62 | $108.09 | $137.13 |
| 61 | $44.69 | $79.85 | $117.44 | $148.20 |
| 62 | $48.40 | $87.10 | $128.31 | $161.06 |
| 63 | $53.32 | $96.70 | $142.72 | $178.12 |
| 64 | $59.17 | $108.12 | $159.85 | $198.40 |
| 65 | $66.25 | $121.96 | $180.61 | $222.97 |
| 66 | $72.52 | $133.07 | $197.26 | $243.46 |
| 67 | $79.81 | $149.58 | $216.63 | $267.27 |
| 68 | $88.60 | $161.56 | $240.00 | $296.01 |
| 69 | $98.71 | $179.47 | $266.87 | $329.08 |
70-79 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $109.97 | $198.74 | $296.77 | $365.91 |
| 71 | $126.83 | $233.96 | $348.60 | $430.41 |
| 72 | $145.51 | $272.23 | $406.01 | $501.89 |
| 73 | $166.11 | $314.47 | $469.36 | $580.80 |
| 74 | $189.59 | $362.58 | $541.53 | $670.71 |
| 75 | $216.30 | $417.34 | $623.67 | $773.06 |
| 76 | $271.90 | $530.72 | $793.53 | $971.37 |
| 77 | $333.20 | $648.72 | $970.53 | $1,188.12 |
| 78 | $384.13 | $762.13 | $1,140.13 | $1,453.50 |
| 79 | $435.97 | $865.81 | $1,295.66 | $1,708.00 |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | $486.06 | $966.00 | $1,445.94 | $1,913.63 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
15 Year Term Life Insurance Rates
15 year term life insurance is available for applicants 78 years of age and under.
MaleFemale
15 Year Term Life Insurance Rates
The following 15 year sample quotes are based on a male qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $10.19 | $14.76 | $18.97 | $22.66 |
| 21 | $10.19 | $14.76 | $18.97 | $22.66 |
| 22 | $10.19 | $14.76 | $18.97 | $22.66 |
| 23 | $10.19 | $14.76 | $18.97 | $22.66 |
| 24 | $10.19 | $14.76 | $18.97 | $22.66 |
| 25 | $10.19 | $14.76 | $18.97 | $22.66 |
| 26 | $10.19 | $14.76 | $18.97 | $22.66 |
| 27 | $10.19 | $14.76 | $18.97 | $22.66 |
| 28 | $10.35 | $14.76 | $18.97 | $22.66 |
| 29 | $10.35 | $14.76 | $18.97 | $22.66 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $10.38 | $15.13 | $18.97 | $22.66 |
| 31 | $10.54 | $15.08 | $19.10 | $22.84 |
| 32 | $10.58 | $15.16 | $19.36 | $23.19 |
| 33 | $10.62 | $15.24 | $19.62 | $23.54 |
| 34 | $10.66 | $15.32 | $20.08 | $24.15 |
| 35 | $10.80 | $15.99 | $21.26 | $25.48 |
| 36 | $11.15 | $16.68 | $21.92 | $26.60 |
| 37 | $11.49 | $17.35 | $23.49 | $28.70 |
| 38 | $11.95 | $18.26 | $23.95 | $29.31 |
| 39 | $12.48 | $19.31 | $26.51 | $32.65 |
40-49 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $13.08 | $20.49 | $28.40 | $35.19 |
| 41 | $14.58 | $23.36 | $31.43 | $39.29 |
| 42 | $16.10 | $26.27 | $36.03 | $45.41 |
| 43 | $17.75 | $29.45 | $41.21 | $52.33 |
| 44 | $19.54 | $32.87 | $46.97 | $59.02 |
| 45 | $21.52 | $36.65 | $52.63 | $66.29 |
| 46 | $23.14 | $39.81 | $57.38 | $72.48 |
| 47 | $24.96 | $43.33 | $62.66 | $79.37 |
| 48 | $26.61 | $47.19 | $67.33 | $84.56 |
| 49 | $29.03 | $51.25 | $74.53 | $94.85 |
50-59 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $31.26 | $55.58 | $81.03 | $103.33 |
| 51 | $33.67 | $60.15 | $87.88 | $112.71 |
| 52 | $36.33 | $65.17 | $95.42 | $123.02 |
| 53 | $39.41 | $71.02 | $104.19 | $135.02 |
| 54 | $43.07 | $77.94 | $114.57 | $149.21 |
| 55 | $47.00 | $85.36 | $125.70 | $164.45 |
| 56 | $51.59 | $93.97 | $138.61 | $181.58 |
| 57 | $56.87 | $103.87 | $153.46 | $201.31 |
| 58 | $63.22 | $115.74 | $171.27 | $224.81 |
| 59 | $69.96 | $128.81 | $190.88 | $250.74 |
60-69 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $77.74 | $143.00 | $212.16 | $279.64 |
| 61 | $87.25 | $161.96 | $240.60 | $311.51 |
| 62 | $97.40 | $182.20 | $270.96 | $346.36 |
| 63 | $109.08 | $205.53 | $305.95 | $388.48 |
| 64 | $122.03 | $231.37 | $344.71 | $433.52 |
| 65 | $137.28 | $261.81 | $390.38 | $486.61 |
| 66 | $152.15 | $290.32 | $433.14 | $543.77 |
| 67 | $170.46 | $325.46 | $485.85 | $614.51 |
| 68 | $192.85 | $368.47 | $550.37 | $701.39 |
| 69 | $220.17 | $421.08 | $629.28 | $808.04 |
70-79 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $251.59 | $481.70 | $719.95 | $931.69 |
| 71 | $307.68 | $595.13 | $890.09 | $1,161.34 |
| 72 | $367.16 | $705.97 | $1,056.38 | $1,384.00 |
| 73 | $432.86 | $858.49 | $1,285.15 | $1,689.97 |
| 74 | $519.12 | $1,031.34 | $1,544.42 | $2,057.72 |
| 75 | $620.49 | $1,223.63 | $1,863.62 | $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 | N/A | N/A | N/A |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
15 Year Term Life Insurance Rates
The following 15 year sample quotes are based on a female qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $9.33 | $12.96 | $16.86 | $19.29 |
| 21 | $9.33 | $12.96 | $16.86 | $19.29 |
| 22 | $9.33 | $12.96 | $16.86 | $19.29 |
| 23 | $9.33 | $12.96 | $16.86 | $19.29 |
| 24 | $9.33 | $12.96 | $16.86 | $19.29 |
| 25 | $9.33 | $12.96 | $16.87 | $19.29 |
| 26 | $9.36 | $13.03 | $16.96 | $19.34 |
| 27 | $9.45 | $13.25 | $17.01 | $19.45 |
| 28 | $9.56 | $13.33 | $17.01 | $18.92 |
| 29 | $9.66 | $13.33 | $17.01 | $18.92 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $9.68 | $13.33 | $17.01 | $18.92 |
| 31 | $9.68 | $13.76 | $17.47 | $19.78 |
| 32 | $9.88 | $13.76 | $17.73 | $19.78 |
| 33 | $9.89 | $14.19 | $18.38 | $20.64 |
| 34 | $9.96 | $14.19 | $18.91 | $20.64 |
| 35 | $10.02 | $14.62 | $19.40 | $21.50 |
| 36 | $10.02 | $15.48 | $20.55 | $24.08 |
| 37 | $10.66 | $16.72 | $21.67 | $26.66 |
| 38 | $11.43 | $17.63 | $22.98 | $28.38 |
| 39 | $12.21 | $18.78 | $25.03 | $30.96 |
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 | N/A | N/A | N/A |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
20 Year Term Life Insurance Rates
20 year term life insurance is available for applicants ages 70 and under.
MaleFemale
20 Year Term Life Insurance Rates
The following 20 year sample quotes are based on a male qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $12.51 | $18.97 | $26.03 | $30.96 |
| 21 | $12.51 | $18.97 | $25.88 | $30.96 |
| 22 | $12.51 | $18.97 | $25.88 | $30.96 |
| 23 | $12.51 | $18.97 | $25.88 | $30.96 |
| 24 | $12.51 | $18.97 | $25.88 | $30.96 |
| 25 | $12.51 | $18.97 | $25.88 | $30.96 |
| 26 | $12.53 | $18.97 | $25.88 | $30.96 |
| 27 | $12.53 | $19.00 | $25.92 | $30.96 |
| 28 | $12.58 | $19.09 | $26.06 | $31.45 |
| 29 | $12.68 | $19.28 | $26.10 | $31.46 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $12.69 | $19.29 | $26.10 | $31.46 |
| 31 | $12.73 | $19.37 | $26.47 | $31.58 |
| 32 | $12.96 | $19.77 | $26.92 | $32.30 |
| 33 | $13.14 | $20.21 | $27.51 | $33.04 |
| 34 | $13.26 | $20.64 | $28.10 | $33.54 |
| 35 | $13.53 | $21.07 | $28.79 | $34.40 |
| 36 | $14.12 | $22.41 | $30.64 | $37.11 |
| 37 | $14.72 | $23.55 | $32.13 | $39.33 |
| 38 | $15.74 | $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 | $48.80 |
| 41 | $18.59 | $30.88 | $42.80 | $54.97 |
| 42 | $20.50 | $34.70 | $48.48 | $62.54 |
| 43 | $22.76 | $39.09 | $55.20 | $71.50 |
| 44 | $24.87 | $43.16 | $62.16 | $79.14 |
| 45 | $26.84 | $47.21 | $68.23 | $87.49 |
| 46 | $28.96 | $51.35 | $74.44 | $95.87 |
| 47 | $31.27 | $55.83 | $81.17 | $104.71 |
| 48 | $33.76 | $60.70 | $88.46 | $114.81 |
| 49 | $36.42 | $65.88 | $96.24 | $125.30 |
50-59 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $39.33 | $71.54 | $104.73 | $135.88 |
| 51 | $42.47 | $77.67 | $113.92 | $148.75 |
| 52 | $46.14 | $84.83 | $124.67 | $162.76 |
| 53 | $50.52 | $93.38 | $137.49 | $179.49 |
| 54 | $55.72 | $103.54 | $152.99 | $199.44 |
| 55 | $61.49 | $114.82 | $169.65 | $221.63 |
| 56 | $68.10 | $127.22 | $188.25 | $245.95 |
| 57 | $75.71 | $141.53 | $209.72 | $274.07 |
| 58 | $84.82 | $158.68 | $235.68 | $307.81 |
| 59 | $95.01 | $177.85 | $264.44 | $345.63 |
60-69 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $106.25 | $199.07 | $296.26 | $387.60 |
| 61 | $120.51 | $227.21 | $338.47 | $441.01 |
| 62 | $136.30 | $258.44 | $385.32 | $500.52 |
| 63 | $154.20 | $293.90 | $438.27 | $568.32 |
| 64 | $174.23 | $335.73 | $501.02 | $648.61 |
| 65 | $199.96 | $384.70 | $574.46 | $742.87 |
| 66 | $237.67 | $453.08 | $677.05 | $866.59 |
| 67 | $272.04 | $515.95 | $771.35 | $1,000.78 |
| 68 | $314.50 | $599.28 | $895.62 | $1,144.83 |
| 69 | $358.98 | $642.84 | $1,044.38 | $1,339.99 |
70-79 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $409.53 | $799.86 | $1,197.22 | $1,537.27 |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
20 Year Term Life Insurance Rates
The following 20 year sample quotes are based on a female qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $11.03 | $15.91 | $21.28 | $23.76 |
| 21 | $11.03 | $15.91 | $21.28 | $23.76 |
| 22 | $11.03 | $15.91 | $21.28 | $23.76 |
| 23 | $11.03 | $15.91 | $21.28 | $23.76 |
| 24 | $11.03 | $15.91 | $21.28 | $23.76 |
| 25 | $11.03 | $15.91 | $21.28 | $23.76 |
| 26 | $11.04 | $15.91 | $21.28 | $23.87 |
| 27 | $11.08 | $16.34 | $21.60 | $24.17 |
| 28 | $11.13 | $16.34 | $21.67 | $24.52 |
| 29 | $11.17 | $16.48 | $21.73 | $24.89 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $11.24 | $16.51 | $21.77 | $25.38 |
| 31 | $11.39 | $16.76 | $22.13 | $26.14 |
| 32 | $11.50 | $17.07 | $22.55 | $26.66 |
| 33 | $11.59 | $17.20 | $23.01 | $27.52 |
| 34 | $11.67 | $17.63 | $23.54 | $27.52 |
| 35 | $11.82 | $17.63 | $24.00 | $28.38 |
| 36 | $12.34 | $18.92 | $25.90 | $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 | $16.50 | $26.77 | $37.00 | $46.46 |
| 42 | $17.62 | $29.15 | $40.84 | $50.90 |
| 43 | $18.87 | $31.47 | $45.12 | $57.28 |
| 44 | $20.18 | $34.00 | $49.44 | $61.05 |
| 45 | $21.69 | $36.91 | $53.03 | $67.15 |
| 46 | $23.04 | $39.62 | $57.09 | $72.11 |
| 47 | $24.65 | $42.83 | $61.91 | $78.01 |
| 48 | $26.41 | $46.33 | $67.16 | $84.44 |
| 49 | $28.32 | $50.16 | $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 | $163.55 | $210.60 |
| 59 | $67.78 | $122.97 | $182.12 | $234.61 |
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 | $182.74 | $332.01 | $467.03 | $608.56 |
| 67 | $220.36 | $408.40 | $532.00 | $691.69 |
| 68 | $252.98 | $494.84 | $598.94 | $776.56 |
| 69 | $287.73 | $565.12 | $843.74 | $984.24 |
70-79 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $349.13 | $644.14 | $962.26 | $1,129.88 |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
25 Year Term Life Insurance Rates
25 year term life is available for ages 65 and under.
MaleFemale
25 Year Term Life Insurance Rates
The following 25 year sample quotes are based on a male qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $15.91 | $24.56 | $34.26 | $42.45 |
| 21 | $15.91 | $24.56 | $34.26 | $42.45 |
| 22 | $15.91 | $24.56 | $34.26 | $42.45 |
| 23 | $15.91 | $24.56 | $34.26 | $42.45 |
| 24 | $15.91 | $24.56 | $34.26 | $42.45 |
| 25 | $15.91 | $24.56 | $34.26 | $42.45 |
| 26 | $15.91 | $24.56 | $34.26 | $42.45 |
| 27 | $15.97 | $24.72 | $34.49 | $42.68 |
| 28 | $16.09 | $25.02 | $34.95 | $43.15 |
| 29 | $16.27 | $25.51 | $35.69 | $43.91 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $16.34 | $25.68 | $35.94 | $44.16 |
| 31 | $16.47 | $26.00 | $36.43 | $44.84 |
| 32 | $16.82 | $26.83 | $37.66 | $46.57 |
| 33 | $17.18 | $27.66 | $38.91 | $48.32 |
| 34 | $17.61 | $28.69 | $40.45 | $50.49 |
| 35 | $18.05 | $29.71 | $41.99 | $52.27 |
| 36 | $18.98 | $31.58 | $44.80 | $56.39 |
| 37 | $19.94 | $33.49 | $47.65 | $60.19 |
| 38 | $21.24 | $36.09 | $51.56 | $65.42 |
| 39 | $22.73 | $39.08 | $56.04 | $71.39 |
40-49 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $24.41 | $42.45 | $61.09 | $78.12 |
| 41 | $26.77 | $46.88 | $67.71 | $86.65 |
| 42 | $29.19 | $51.32 | $74.38 | $95.39 |
| 43 | $31.77 | $56.26 | $81.78 | $104.75 |
| 44 | $34.53 | $61.43 | $89.55 | $114.74 |
| 45 | $37.58 | $67.15 | $98.12 | $125.78 |
| 46 | $41.01 | $73.22 | $107.23 | $137.43 |
| 47 | $44.86 | $80.02 | $117.43 | $150.52 |
| 48 | $49.13 | $87.58 | $128.77 | $165.07 |
| 49 | $53.78 | $95.82 | $141.12 | $180.95 |
50-59 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $57.68 | $104.93 | $154.82 | $198.58 |
| 51 | $64.77 | $117.00 | $172.93 | $221.60 |
| 52 | $71.56 | $131.00 | $193.19 | $248.33 |
| 53 | $79.61 | $147.60 | $218.82 | $280.06 |
| 54 | $89.34 | $167.70 | $248.97 | $318.53 |
| 55 | $100.20 | $190.15 | $282.65 | $361.61 |
| 56 | $115.47 | $220.00 | $327.42 | $415.71 |
| 57 | $131.36 | $250.57 | $373.28 | $470.77 |
| 58 | $149.54 | $283.33 | $426.84 | $538.80 |
| 59 | $170.33 | $326.67 | $487.44 | $610.05 |
60-69 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $194.12 | $372.85 | $556.69 | $691.03 |
| 61 | $230.27 | $438.37 | $654.82 | $782.21 |
| 62 | $257.57 | $492.35 | $737.24 | $880.95 |
| 63 | $283.59 | $543.52 | $813.99 | $1,002.92 |
| 64 | $309.39 | $595.12 | $891.39 | $1,158.42 |
| 65 | $349.38 | $668.65 | $1,001.69 | $1,299.46 |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
70-79 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
25 Year Term Life Insurance Rates
The following 25 year sample quotes are based on a female qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $13.37 | $19.95 | $27.59 | $32.27 |
| 21 | $13.37 | $19.95 | $27.59 | $32.27 |
| 22 | $13.37 | $19.95 | $27.59 | $32.27 |
| 23 | $13.37 | $19.95 | $27.59 | $32.27 |
| 24 | $13.37 | $19.96 | $27.59 | $32.27 |
| 25 | $13.37 | $19.95 | $27.59 | $32.27 |
| 26 | $13.42 | $20.06 | $27.75 | $32.55 |
| 27 | $13.52 | $20.29 | $28.09 | $33.15 |
| 28 | $13.64 | $20.55 | $28.49 | $33.86 |
| 29 | $13.77 | $20.85 | $28.93 | $34.65 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $13.94 | $21.23 | $29.51 | $35.67 |
| 31 | $14.24 | $21.82 | $30.39 | $36.98 |
| 32 | $14.62 | $22.54 | $31.48 | $38.59 |
| 33 | $15.01 | $23.28 | $32.58 | $40.21 |
| 34 | $15.43 | $24.10 | $33.81 | $42.03 |
| 35 | $15.92 | $25.05 | $35.24 | $44.15 |
| 36 | $16.69 | $26.66 | $37.65 | $47.21 |
| 37 | $17.51 | $28.38 | $40.23 | $50.51 |
| 38 | $18.44 | $30.31 | $42.89 | $54.22 |
| 39 | $19.39 | $32.31 | $45.88 | $58.03 |
40-49 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $20.38 | $34.38 | $48.99 | $61.99 |
| 41 | $21.91 | $37.22 | $53.26 | $67.68 |
| 42 | $23.56 | $40.31 | $57.88 | $73.83 |
| 43 | $25.34 | $43.62 | $62.84 | $80.43 |
| 44 | $27.28 | $47.23 | $68.26 | $87.65 |
| 45 | $29.51 | $51.38 | $74.75 | $95.95 |
| 46 | $31.89 | $55.69 | $80.96 | $104.05 |
| 47 | $34.72 | $60.85 | $88.69 | $113.73 |
| 48 | $37.55 | $66.59 | $97.31 | $124.53 |
| 49 | $40.52 | $73.04 | $106.98 | $135.81 |
50-59 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $43.75 | $79.66 | $116.94 | $147.60 |
| 51 | $48.52 | $89.01 | $130.94 | $165.38 |
| 52 | $53.87 | $98.40 | $145.02 | $184.64 |
| 53 | $59.89 | $109.41 | $161.53 | $205.55 |
| 54 | $66.64 | $122.06 | $180.51 | $229.64 |
| 55 | $74.23 | $136.64 | $202.39 | $257.46 |
| 56 | $83.19 | $156.81 | $232.63 | $295.20 |
| 57 | $93.32 | $176.31 | $261.89 | $333.22 |
| 58 | $104.75 | $200.13 | $297.64 | $378.83 |
| 59 | $117.67 | $225.57 | $335.81 | $428.76 |
60-69 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $132.26 | $254.33 | $378.91 | $485.34 |
| 61 | $178.18 | $316.31 | $471.73 | $603.54 |
| 62 | $201.97 | $356.48 | $531.98 | $679.55 |
| 63 | $231.35 | $406.09 | $606.40 | $762.90 |
| 64 | $254.35 | $491.87 | $735.68 | $979.49 |
| 65 | $279.72 | $548.20 | $820.17 | $1,079.30 |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
70-79 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
30 Year Term Life Insurance Rates
30 year term life insurance is available for applicants up to age 55. Many people like the 30 year term because it covers a typical mortgage on their home residence.
The 30 year term used to be the longest term offered. However, 40 year term life insurance coverage is now available for applicants up to age 45.
MaleFemale
30 Year Term Life Insurance Rates
The following 30 year sample quotes are based on a male qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $18.04 | $28.87 | $40.97 | $49.25 |
| 21 | $18.04 | $28.87 | $40.97 | $49.25 |
| 22 | $18.04 | $28.87 | $40.97 | $49.25 |
| 23 | $18.04 | $28.87 | $40.97 | $49.25 |
| 24 | $18.04 | $28.87 | $40.97 | $49.25 |
| 25 | $18.04 | $28.87 | $40.97 | $49.26 |
| 26 | $18.08 | $28.99 | $41.15 | $49.56 |
| 27 | $18.20 | $29.32 | $41.64 | $50.40 |
| 28 | $18.38 | $30.10 | $42.57 | $51.72 |
| 29 | $18.66 | $30.59 | $43.30 | $53.66 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $18.77 | $30.92 | $43.80 | $54.50 |
| 31 | $19.01 | $31.36 | $44.46 | $55.38 |
| 32 | $19.53 | $32.32 | $45.91 | $57.26 |
| 33 | $20.07 | $33.34 | $47.44 | $59.28 |
| 34 | $20.74 | $34.59 | $49.31 | $61.74 |
| 35 | $21.43 | $35.88 | $51.24 | $64.26 |
| 36 | $22.53 | $38.10 | $54.57 | $68.70 |
| 37 | $23.66 | $40.39 | $58.01 | $73.27 |
| 38 | $25.12 | $43.36 | $62.70 | $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 | $50.52 | $73.45 | $93.49 |
| 41 | $31.17 | $55.33 | $80.65 | $103.08 |
| 42 | $33.82 | $60.40 | $88.26 | $113.21 |
| 43 | $36.73 | $66.60 | $97.32 | $124.39 |
| 44 | $39.92 | $72.67 | $106.42 | $136.64 |
| 45 | $44.03 | $78.98 | $116.14 | $150.44 |
| 46 | $47.51 | $86.89 | $127.75 | $165.38 |
| 47 | $52.02 | $95.44 | $140.57 | $182.22 |
| 48 | $57.06 | $106.58 | $155.46 | $201.07 |
| 49 | $62.57 | $115.88 | $171.02 | $221.77 |
50-59 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $68.68 | $127.73 | $189.26 | $244.79 |
| 51 | $76.19 | $142.45 | $211.33 | $274.46 |
| 52 | $84.90 | $159.52 | $236.95 | $308.98 |
| 53 | $95.18 | $179.70 | $266.96 | $349.89 |
| 54 | $107.66 | $204.21 | $303.74 | $399.74 |
| 55 | $121.93 | $232.31 | $345.89 | $457.14 |
| 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 | N/A | N/A | N/A |
60-69 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | N/A | N/A | N/A | N/A |
| 61 | N/A | N/A | N/A | N/A |
| 62 | N/A | N/A | N/A | N/A |
| 63 | N/A | N/A | N/A | N/A |
| 64 | N/A | N/A | N/A | N/A |
| 65 | N/A | N/A | N/A | N/A |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
70-79 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | N/A | N/A | N/A | N/A |
*All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
30 Year Term Life Insurance Rates
The following 30 year sample quotes are based on a female qualifying at the top rate class.
20-29 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $14.97 | $22.50 | $31.42 | $37.37 |
| 21 | $14.97 | $22.51 | $31.42 | $37.37 |
| 22 | $14.97 | $22.51 | $31.42 | $37.37 |
| 23 | $14.97 | $22.51 | $31.42 | $37.37 |
| 24 | $14.97 | $22.51 | $31.42 | $37.37 |
| 25 | $14.97 | $22.93 | $32.06 | $38.22 |
| 26 | $15.09 | $23.25 | $32.54 | $38.86 |
| 27 | $15.30 | $23.80 | $33.37 | $39.96 |
| 28 | $15.53 | $24.40 | $34.02 | $41.19 |
| 29 | $15.78 | $25.07 | $35.03 | $42.53 |
30-39 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $16.10 | $25.89 | $36.25 | $42.88 |
| 31 | $16.46 | $26.56 | $37.27 | $45.55 |
| 32 | $16.90 | $27.38 | $38.49 | $47.24 |
| 33 | $17.36 | $28.23 | $39.76 | $48.99 |
| 34 | $17.87 | $29.17 | $41.17 | $50.95 |
| 35 | $18.46 | $30.26 | $42.81 | $53.20 |
| 36 | $19.34 | $32.09 | $45.55 | $57.02 |
| 37 | $20.29 | $34.06 | $48.96 | $61.12 |
| 38 | $21.34 | $36.24 | $51.78 | $65.67 |
| 39 | $22.44 | $38.51 | $55.18 | $70.40 |
40-49 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $23.59 | $41.39 | $59.50 | $75.38 |
| 41 | $25.25 | $44.04 | $63.48 | $81.78 |
| 42 | $27.09 | $47.51 | $68.69 | $88.86 |
| 43 | $29.12 | $51.35 | $74.69 | $96.66 |
| 44 | $31.38 | $55.62 | $81.09 | $105.40 |
| 45 | $34.01 | $60.60 | $88.56 | $115.59 |
| 46 | $36.66 | $65.53 | $95.96 | $124.90 |
| 47 | $39.82 | $71.94 | $104.76 | $136.00 |
| 48 | $43.41 | $78.06 | $114.75 | $148.61 |
| 49 | $47.46 | $85.59 | $126.05 | $159.78 |
50-59 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $52.10 | $94.24 | $139.03 | $179.34 |
| 51 | $57.99 | $105.12 | $155.34 | $201.56 |
| 52 | $64.58 | $117.29 | $173.60 | $226.53 |
| 53 | $72.28 | $131.55 | $194.99 | $255.89 |
| 54 | $81.29 | $148.26 | $220.05 | $290.43 |
| 55 | $91.56 | $167.33 | $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 | N/A | N/A | N/A |
60-69 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | N/A | N/A | N/A | N/A |
| 61 | N/A | N/A | N/A | N/A |
| 62 | N/A | N/A | N/A | N/A |
| 63 | N/A | N/A | N/A | N/A |
| 64 | N/A | N/A | N/A | N/A |
| 65 | N/A | N/A | N/A | N/A |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
70-79 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
80 years old
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 80 | N/A | N/A | N/A | N/A |
*All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
Whole Life Insurance Rates
Whole life insurance is ideal for anyone considering using life insurance as an asset.
People choose whole life for some of the following reasons:
MaleFemale
Whole Life to Age 100 Quotes
The following sample whole life insurance quotes are based on a preferred plus male wanting ordinary whole life insurance to age 100 with an A- rated insurance company or better. Monthly Rates are for informational purposes only and must be qualified for.
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|
| 20 | $83 | $151 | $293 | $580 |
| 25 | $92 | $178 | $348 | $689 |
| 30 | $105 | $216 | $422 | $839 |
| 35 | $121 | $267 | $522 | $1038 |
| 40 | $141 | $326 | $639 | $1273 |
| 45 | $173 | $401 | $789 | $1571 |
| 50 | $214 | $499 | $982 | $1959 |
| 55 | $270 | $629 | $1239 | $2473 |
| 60 | $324 | $802 | $1582 | $3158 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Whole Life to Age 100 Quotes
The following sample whole life insurance quotes are based on a preferred plus female wanting ordinary whole life insurance to age 100 with an A- rated insurance company or better. Monthly Rates are for informational purposes only and must be qualified for.
| Age | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|
| 20 | $56 | $132 | $255 | $504 |
| 25 | $66 | $156 | $304 | $602 |
| 30 | $79 | $188 | $368 | $729 |
| 35 | $96 | $230 | $450 | $894 |
| 40 | $115 | $278 | $544 | $1081 |
| 45 | $143 | $350 | $685 | $1364 |
| 50 | $175 | $429 | $843 | $1681 |
| 55 | $223 | $549 | $1082 | $2158 |
| 60 | $280 | $700 | $1381 | $2756 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
Term Life Insurance Rates by Age
MaleFemale
Life Insurance In Your 20s
The following 20-29 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 21 | $9.77 | $14.02 | $18.32 | $19.57 |
| 22 | $9.77 | $14.02 | $18.32 | $19.57 |
| 23 | $9.77 | $14.02 | $18.32 | $19.57 |
| 24 | $9.77 | $14.02 | $18.32 | $19.57 |
| 25 | $9.77 | $14.02 | $18.32 | $19.57 |
| 26 | $9.77 | $14.02 | $18.32 | $19.57 |
| 27 | $9.77 | $14.02 | $18.32 | $19.57 |
| 28 | $9.77 | $14.02 | $18.32 | $19.57 |
| 29 | $9.77 | $14.02 | $18.32 | $19.57 |
15 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 21 | $10.19 | $14.76 | $18.97 | $22.66 |
| 22 | $10.19 | $14.76 | $18.97 | $22.66 |
| 23 | $10.19 | $14.76 | $18.97 | $22.66 |
| 24 | $10.19 | $14.76 | $18.97 | $22.66 |
| 25 | $10.19 | $14.76 | $18.97 | $22.66 |
| 26 | $10.19 | $14.76 | $18.97 | $22.66 |
| 27 | $10.19 | $14.76 | $18.97 | $22.66 |
| 28 | $10.35 | $14.76 | $18.97 | $22.66 |
| 29 | $10.35 | $14.76 | $18.97 | $22.66 |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 21 | $12.51 | $18.97 | $25.88 | $30.96 |
| 22 | $12.51 | $18.97 | $25.88 | $30.96 |
| 23 | $12.51 | $18.97 | $25.88 | $30.96 |
| 24 | $12.51 | $18.97 | $25.88 | $30.96 |
| 25 | $12.51 | $18.97 | $25.88 | $30.96 |
| 26 | $12.53 | $18.97 | $25.88 | $30.96 |
| 27 | $12.53 | $19.00 | $25.92 | $30.96 |
| 28 | $12.58 | $19.09 | $26.06 | $31.45 |
| 29 | $12.68 | $19.28 | $26.10 | $31.46 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 21 | $15.91 | $24.56 | $34.26 | $42.45 |
| 22 | $15.91 | $24.56 | $34.26 | $42.45 |
| 23 | $15.91 | $24.56 | $34.26 | $42.45 |
| 24 | $15.91 | $24.56 | $34.26 | $42.45 |
| 25 | $15.91 | $24.56 | $34.26 | $42.45 |
| 26 | $15.91 | $24.56 | $34.26 | $42.45 |
| 27 | $15.97 | $24.72 | $34.49 | $42.68 |
| 28 | $16.09 | $25.02 | $34.95 | $43.15 |
| 29 | $16.27 | $25.51 | $35.69 | $43.91 |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 21 | $18.04 | $28.87 | $40.97 | $49.25 |
| 22 | $18.04 | $28.87 | $40.97 | $49.25 |
| 23 | $18.04 | $28.87 | $40.97 | $49.25 |
| 24 | $18.04 | $28.87 | $40.97 | $49.25 |
| 25 | $18.04 | $28.87 | $40.97 | $49.26 |
| 26 | $18.08 | $28.99 | $41.15 | $49.56 |
| 27 | $18.20 | $29.32 | $41.64 | $50.40 |
| 28 | $18.38 | $30.10 | $42.57 | $51.72 |
| 29 | $18.66 | $30.59 | $43.30 | $53.66 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 20s
The following 20-29 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $8.53 | $11.22 | $14.32 | $16.66 |
| 21 | $8.53 | $11.22 | $14.32 | $16.66 |
| 22 | $8.53 | $11.22 | $14.32 | $16.66 |
| 23 | $8.53 | $11.22 | $14.32 | $16.66 |
| 24 | $8.53 | $11.22 | $14.32 | $16.66 |
| 25 | $8.53 | $11.22 | $14.32 | $16.66 |
| 26 | $8.60 | $11.22 | $14.32 | $16.66 |
| 27 | $8.64 | $11.30 | $14.44 | $16.66 |
| 28 | $8.68 | $11.38 | $14.56 | $16.66 |
| 29 | $8.70 | $11.42 | $14.62 | $16.66 |
15 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $9.33 | $12.96 | $16.86 | $19.29 |
| 21 | $9.33 | $12.96 | $16.86 | $19.29 |
| 22 | $9.33 | $12.96 | $16.86 | $19.29 |
| 23 | $9.33 | $12.96 | $16.86 | $19.29 |
| 24 | $9.33 | $12.96 | $16.86 | $19.29 |
| 25 | $9.33 | $12.96 | $16.87 | $19.29 |
| 26 | $9.36 | $13.03 | $16.96 | $19.34 |
| 27 | $9.45 | $13.25 | $17.01 | $19.45 |
| 28 | $9.56 | $13.33 | $17.01 | $18.92 |
| 29 | $9.66 | $13.33 | $17.01 | $18.92 |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $11.03 | $15.91 | $21.28 | $23.76 |
| 21 | $11.03 | $15.91 | $21.28 | $23.76 |
| 22 | $11.03 | $15.91 | $21.28 | $23.76 |
| 23 | $11.03 | $15.91 | $21.28 | $23.76 |
| 24 | $11.03 | $15.91 | $21.28 | $23.76 |
| 25 | $11.03 | $15.91 | $21.28 | $23.76 |
| 26 | $11.04 | $15.91 | $21.28 | $23.87 |
| 27 | $11.08 | $16.34 | $21.60 | $24.17 |
| 28 | $11.13 | $16.34 | $21.67 | $24.52 |
| 29 | $11.17 | $16.48 | $21.73 | $24.89 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $13.37 | $19.95 | $27.59 | $32.27 |
| 21 | $13.37 | $19.95 | $27.59 | $32.27 |
| 22 | $13.37 | $19.95 | $27.59 | $32.27 |
| 23 | $13.37 | $19.95 | $27.59 | $32.27 |
| 24 | $13.37 | $19.96 | $27.59 | $32.27 |
| 25 | $13.37 | $19.95 | $27.59 | $32.27 |
| 26 | $13.42 | $20.06 | $27.75 | $32.55 |
| 27 | $13.52 | $20.29 | $28.09 | $33.15 |
| 28 | $13.64 | $20.55 | $28.49 | $33.86 |
| 29 | $13.77 | $20.85 | $28.93 | $34.65 |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 20 | $14.97 | $22.50 | $31.42 | $37.37 |
| 21 | $14.97 | $22.51 | $31.42 | $37.37 |
| 22 | $14.97 | $22.51 | $31.42 | $37.37 |
| 23 | $14.97 | $22.51 | $31.42 | $37.37 |
| 24 | $14.97 | $22.51 | $31.42 | $37.37 |
| 25 | $14.97 | $22.93 | $32.06 | $38.22 |
| 26 | $15.09 | $23.25 | $32.54 | $38.86 |
| 27 | $15.30 | $23.80 | $33.37 | $39.96 |
| 28 | $15.53 | $24.40 | $34.02 | $41.19 |
| 29 | $15.78 | $25.07 | $35.03 | $42.53 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
MaleFemale
Life Insurance In Your 30s
The following 30-39 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $9.77 | $13.76 | $18.32 | $19.57 |
| 31 | $9.77 | $14.02 | $18.51 | $19.94 |
| 32 | $9.77 | $14.07 | $18.72 | $20.36 |
| 33 | $9.77 | $14.06 | $18.84 | $20.81 |
| 34 | $9.77 | $14.06 | $18.96 | $21.40 |
| 35 | $9.77 | $14.06 | $19.04 | $21.92 |
| 36 | $10.10 | $14.90 | $20.02 | $23.09 |
| 37 | $10.39 | $15.49 | $20.89 | $24.12 |
| 38 | $10.82 | $16.33 | $22.16 | $25.62 |
| 39 | $11.32 | $17.31 | $23.63 | $27.36 |
15 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $10.38 | $15.13 | $18.97 | $22.66 |
| 31 | $10.54 | $15.08 | $19.10 | $22.84 |
| 32 | $10.58 | $15.16 | $19.36 | $23.19 |
| 33 | $10.62 | $15.24 | $19.62 | $23.54 |
| 34 | $10.66 | $15.32 | $20.08 | $24.15 |
| 35 | $10.80 | $15.99 | $21.26 | $25.48 |
| 36 | $11.15 | $16.68 | $21.92 | $26.60 |
| 37 | $11.49 | $17.35 | $23.49 | $28.70 |
| 38 | $11.95 | $18.26 | $23.95 | $29.31 |
| 39 | $12.48 | $19.31 | $26.51 | $32.65 |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $12.69 | $19.29 | $26.10 | $31.46 |
| 31 | $12.73 | $19.37 | $26.47 | $31.58 |
| 32 | $12.96 | $19.77 | $26.92 | $32.30 |
| 33 | $13.14 | $20.21 | $27.51 | $33.04 |
| 34 | $13.26 | $20.64 | $28.10 | $33.54 |
| 35 | $13.53 | $21.07 | $28.79 | $34.40 |
| 36 | $14.12 | $22.41 | $30.64 | $37.11 |
| 37 | $14.72 | $23.55 | $32.13 | $39.33 |
| 38 | $15.74 | $25.13 | $34.39 | $42.40 |
| 39 | $15.86 | $25.42 | $34.69 | $44.16 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $16.34 | $25.68 | $35.94 | $44.16 |
| 31 | $16.47 | $26.00 | $36.43 | $44.84 |
| 32 | $16.82 | $26.83 | $37.66 | $46.57 |
| 33 | $17.18 | $27.66 | $38.91 | $48.32 |
| 34 | $17.61 | $28.69 | $40.45 | $50.49 |
| 35 | $18.05 | $29.71 | $41.99 | $52.27 |
| 36 | $18.98 | $31.58 | $44.80 | $56.39 |
| 37 | $19.94 | $33.49 | $47.65 | $60.19 |
| 38 | $21.24 | $36.09 | $51.56 | $65.42 |
| 39 | $22.73 | $39.08 | $56.04 | $71.39 |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $18.77 | $30.92 | $43.80 | $54.50 |
| 31 | $19.01 | $31.36 | $44.46 | $55.38 |
| 32 | $19.53 | $32.32 | $45.91 | $57.26 |
| 33 | $20.07 | $33.34 | $47.44 | $59.28 |
| 34 | $20.74 | $34.59 | $49.31 | $61.74 |
| 35 | $21.43 | $35.88 | $51.24 | $64.26 |
| 36 | $22.53 | $38.10 | $54.57 | $68.70 |
| 37 | $23.66 | $40.39 | $58.01 | $73.27 |
| 38 | $25.12 | $43.36 | $62.70 | $79.18 |
| 39 | $26.79 | $46.73 | $67.76 | $85.91 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 30s
The following 30-39 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $8.71 | $11.44 | $14.65 | $16.66 |
| 31 | $8.80 | $11.62 | $15.50 | $17.09 |
| 32 | $8.84 | $11.70 | $16.13 | $17.57 |
| 33 | $8.90 | $11.80 | $16.54 | $18.07 |
| 34 | $8.94 | $11.88 | $16.86 | $18.75 |
| 35 | $8.98 | $11.96 | $17.15 | $19.35 |
| 36 | $9.31 | $12.62 | $18.08 | $20.48 |
| 37 | $9.66 | $13.32 | $19.20 | $21.59 |
| 38 | $10.03 | $14.06 | $20.12 | $22.40 |
| 39 | $10.43 | $14.86 | $21.54 | $24.43 |
15 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $9.68 | $13.33 | $17.01 | $18.92 |
| 31 | $9.68 | $13.76 | $17.47 | $19.78 |
| 32 | $9.88 | $13.76 | $17.73 | $19.78 |
| 33 | $9.89 | $14.19 | $18.38 | $20.64 |
| 34 | $9.96 | $14.19 | $18.91 | $20.64 |
| 35 | $10.02 | $14.62 | $19.40 | $21.50 |
| 36 | $10.02 | $15.48 | $20.55 | $24.08 |
| 37 | $10.66 | $16.72 | $21.67 | $26.66 |
| 38 | $11.43 | $17.63 | $22.98 | $28.38 |
| 39 | $12.21 | $18.78 | $25.03 | $30.96 |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $11.24 | $16.51 | $21.77 | $25.38 |
| 31 | $11.39 | $16.76 | $22.13 | $26.14 |
| 32 | $11.50 | $17.07 | $22.55 | $26.66 |
| 33 | $11.59 | $17.20 | $23.01 | $27.52 |
| 34 | $11.67 | $17.63 | $23.54 | $27.52 |
| 35 | $11.82 | $17.63 | $24.00 | $28.38 |
| 36 | $12.34 | $18.92 | $25.90 | $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 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $13.94 | $21.23 | $29.51 | $35.67 |
| 31 | $14.24 | $21.82 | $30.39 | $36.98 |
| 32 | $14.62 | $22.54 | $31.48 | $38.59 |
| 33 | $15.01 | $23.28 | $32.58 | $40.21 |
| 34 | $15.43 | $24.10 | $33.81 | $42.03 |
| 35 | $15.92 | $25.05 | $35.24 | $44.15 |
| 36 | $16.69 | $26.66 | $37.65 | $47.21 |
| 37 | $17.51 | $28.38 | $40.23 | $50.51 |
| 38 | $18.44 | $30.31 | $42.89 | $54.22 |
| 39 | $19.39 | $32.31 | $45.88 | $58.03 |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 30 | $16.10 | $25.89 | $36.25 | $42.88 |
| 31 | $16.46 | $26.56 | $37.27 | $45.55 |
| 32 | $16.90 | $27.38 | $38.49 | $47.24 |
| 33 | $17.36 | $28.23 | $39.76 | $48.99 |
| 34 | $17.87 | $29.17 | $41.17 | $50.95 |
| 35 | $18.46 | $30.26 | $42.81 | $53.20 |
| 36 | $19.34 | $32.09 | $45.55 | $57.02 |
| 37 | $20.29 | $34.06 | $48.96 | $61.12 |
| 38 | $21.34 | $36.24 | $51.78 | $65.67 |
| 39 | $22.44 | $38.51 | $55.18 | $70.40 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
MaleFemale
Life Insurance In Your 40s
The following 40-49 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $11.89 | $18.43 | $25.31 | $29.23 |
| 41 | $12.81 | $20.25 | $28.04 | $32.11 |
| 42 | $13.80 | $21.83 | $30.77 | $34.74 |
| 43 | $14.84 | $24.06 | $33.12 | $38.76 |
| 44 | $15.69 | $25.38 | $35.15 | $43.01 |
| 45 | $16.81 | $27.62 | $38.92 | $46.88 |
| 46 | $18.30 | $30.60 | $43.20 | $51.05 |
| 47 | $19.55 | $33.07 | $47.11 | $55.59 |
| 48 | $20.95 | $35.84 | $51.20 | $60.66 |
| 49 | $22.49 | $38.88 | $54.28 | $66.25 |
15 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $13.08 | $20.49 | $28.40 | $35.19 |
| 41 | $14.58 | $23.36 | $31.43 | $39.29 |
| 42 | $16.10 | $26.27 | $36.03 | $45.41 |
| 43 | $17.75 | $29.45 | $41.21 | $52.33 |
| 44 | $19.54 | $32.87 | $46.97 | $59.02 |
| 45 | $21.52 | $36.65 | $52.63 | $66.29 |
| 46 | $23.14 | $39.81 | $57.38 | $72.48 |
| 47 | $24.96 | $43.33 | $62.66 | $79.37 |
| 48 | $26.61 | $47.19 | $67.33 | $84.56 |
| 49 | $29.03 | $51.25 | $74.53 | $94.85 |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $17.03 | $27.76 | $38.17 | $48.80 |
| 41 | $18.59 | $30.88 | $42.80 | $54.97 |
| 42 | $20.50 | $34.70 | $48.48 | $62.54 |
| 43 | $22.76 | $39.09 | $55.20 | $71.50 |
| 44 | $24.87 | $43.16 | $62.16 | $79.14 |
| 45 | $26.84 | $47.21 | $68.23 | $87.49 |
| 46 | $28.96 | $51.35 | $74.44 | $95.87 |
| 47 | $31.27 | $55.83 | $81.17 | $104.71 |
| 48 | $33.76 | $60.70 | $88.46 | $114.81 |
| 49 | $36.42 | $65.88 | $96.24 | $125.30 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $24.41 | $42.45 | $61.09 | $78.12 |
| 41 | $26.77 | $46.88 | $67.71 | $86.65 |
| 42 | $29.19 | $51.32 | $74.38 | $95.39 |
| 43 | $31.77 | $56.26 | $81.78 | $104.75 |
| 44 | $34.53 | $61.43 | $89.55 | $114.74 |
| 45 | $37.58 | $67.15 | $98.12 | $125.78 |
| 46 | $41.01 | $73.22 | $107.23 | $137.43 |
| 47 | $44.86 | $80.02 | $117.43 | $150.52 |
| 48 | $49.13 | $87.58 | $128.77 | $165.07 |
| 49 | $53.78 | $95.82 | $141.12 | $180.95 |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $28.66 | $50.52 | $73.45 | $93.49 |
| 41 | $31.17 | $55.33 | $80.65 | $103.08 |
| 42 | $33.82 | $60.40 | $88.26 | $113.21 |
| 43 | $36.73 | $66.60 | $97.32 | $124.39 |
| 44 | $39.92 | $72.67 | $106.42 | $136.64 |
| 45 | $44.03 | $78.98 | $116.14 | $150.44 |
| 46 | $47.51 | $86.89 | $127.75 | $165.38 |
| 47 | $52.02 | $95.44 | $140.57 | $182.22 |
| 48 | $57.06 | $106.58 | $155.46 | $201.07 |
| 49 | $62.57 | $115.88 | $171.02 | $221.77 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 40s
The following 40-49 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $10.86 | $15.72 | $22.50 | $26.51 |
| 41 | $11.58 | $17.16 | $24.50 | $28.96 |
| 42 | $12.37 | $18.74 | $25.75 | $31.33 |
| 43 | $13.24 | $20.48 | $28.44 | $34.08 |
| 44 | $14.19 | $22.38 | $30.83 | $37.38 |
| 45 | $15.15 | $24.30 | $33.92 | $41.14 |
| 46 | $16.17 | $25.88 | $36.49 | $43.44 |
| 47 | $17.07 | $27.53 | $38.96 | $46.50 |
| 48 | $18.08 | $29.36 | $41.70 | $49.90 |
| 49 | $19.29 | $31.56 | $45.00 | $53.98 |
15 Year Term
| 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 |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $15.27 | $24.48 | $33.58 | $42.14 |
| 41 | $16.50 | $26.77 | $37.00 | $46.46 |
| 42 | $17.62 | $29.15 | $40.84 | $50.90 |
| 43 | $18.87 | $31.47 | $45.12 | $57.28 |
| 44 | $20.18 | $34.00 | $49.44 | $61.05 |
| 45 | $21.69 | $36.91 | $53.03 | $67.15 |
| 46 | $23.04 | $39.62 | $57.09 | $72.11 |
| 47 | $24.65 | $42.83 | $61.91 | $78.01 |
| 48 | $26.41 | $46.33 | $67.16 | $84.44 |
| 49 | $28.32 | $50.16 | $72.89 | $91.45 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $20.38 | $34.38 | $48.99 | $61.99 |
| 41 | $21.91 | $37.22 | $53.26 | $67.68 |
| 42 | $23.56 | $40.31 | $57.88 | $73.83 |
| 43 | $25.34 | $43.62 | $62.84 | $80.43 |
| 44 | $27.28 | $47.23 | $68.26 | $87.65 |
| 45 | $29.51 | $51.38 | $74.75 | $95.95 |
| 46 | $31.89 | $55.69 | $80.96 | $104.05 |
| 47 | $34.72 | $60.85 | $88.69 | $113.73 |
| 48 | $37.55 | $66.59 | $97.31 | $124.53 |
| 49 | $40.52 | $73.04 | $106.98 | $135.81 |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 40 | $23.59 | $41.39 | $59.50 | $75.38 |
| 41 | $25.25 | $44.04 | $63.48 | $81.78 |
| 42 | $27.09 | $47.51 | $68.69 | $88.86 |
| 43 | $29.12 | $51.35 | $74.69 | $96.66 |
| 44 | $31.38 | $55.62 | $81.09 | $105.40 |
| 45 | $34.01 | $60.60 | $88.56 | $115.59 |
| 46 | $36.66 | $65.53 | $95.96 | $124.90 |
| 47 | $39.82 | $71.94 | $104.76 | $136.00 |
| 48 | $43.41 | $78.06 | $114.75 | $148.61 |
| 49 | $47.46 | $85.59 | $126.05 | $159.78 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
MaleFemale
Life Insurance In Your 50s
The following 50-59 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $24.17 | $42.22 | $59.38 | $72.38 |
| 51 | $26.34 | $46.53 | $67.26 | $81.26 |
| 52 | $28.67 | $51.19 | $74.45 | $90.87 |
| 53 | $31.36 | $56.55 | $82.49 | $101.92 |
| 54 | $34.39 | $63.33 | $91.55 | $113.77 |
| 55 | $37.34 | $68.49 | $100.40 | $126.56 |
| 56 | $40.64 | $74.85 | $109.93 | $139.05 |
| 57 | $44.46 | $82.22 | $120.99 | $153.54 |
| 58 | $49.06 | $91.09 | $134.29 | $170.30 |
| 59 | $54.03 | $100.66 | $148.65 | $189.81 |
15 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $31.26 | $55.58 | $81.03 | $103.33 |
| 51 | $33.67 | $60.15 | $87.88 | $112.71 |
| 52 | $36.33 | $65.17 | $95.42 | $123.02 |
| 53 | $39.41 | $71.02 | $104.19 | $135.02 |
| 54 | $43.07 | $77.94 | $114.57 | $149.21 |
| 55 | $47.00 | $85.36 | $125.70 | $164.45 |
| 56 | $51.59 | $93.97 | $138.61 | $181.58 |
| 57 | $56.87 | $103.87 | $153.46 | $201.31 |
| 58 | $63.22 | $115.74 | $171.27 | $224.81 |
| 59 | $69.96 | $128.81 | $190.88 | $250.74 |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $39.33 | $71.54 | $104.73 | $135.88 |
| 51 | $42.47 | $77.67 | $113.92 | $148.75 |
| 52 | $46.14 | $84.83 | $124.67 | $162.76 |
| 53 | $50.52 | $93.38 | $137.49 | $179.49 |
| 54 | $55.72 | $103.54 | $152.99 | $199.44 |
| 55 | $61.49 | $114.82 | $169.65 | $221.63 |
| 56 | $68.10 | $127.22 | $188.25 | $245.95 |
| 57 | $75.71 | $141.53 | $209.72 | $274.07 |
| 58 | $84.82 | $158.68 | $235.68 | $307.81 |
| 59 | $95.01 | $177.85 | $264.44 | $345.63 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $57.68 | $104.93 | $154.82 | $198.58 |
| 51 | $64.77 | $117.00 | $172.93 | $221.60 |
| 52 | $71.56 | $131.00 | $193.19 | $248.33 |
| 53 | $79.61 | $147.60 | $218.82 | $280.06 |
| 54 | $89.34 | $167.70 | $248.97 | $318.53 |
| 55 | $100.20 | $190.15 | $282.65 | $361.61 |
| 56 | $115.47 | $220.00 | $327.42 | $415.71 |
| 57 | $131.36 | $250.57 | $373.28 | $470.77 |
| 58 | $149.54 | $283.33 | $426.84 | $538.80 |
| 59 | $170.33 | $326.67 | $487.44 | $610.05 |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $68.68 | $127.73 | $189.26 | $244.79 |
| 51 | $76.19 | $142.45 | $211.33 | $274.46 |
| 52 | $84.90 | $159.52 | $236.95 | $308.98 |
| 53 | $95.18 | $179.70 | $266.96 | $349.89 |
| 54 | $107.66 | $204.21 | $303.74 | $399.74 |
| 55 | $121.93 | $232.31 | $345.89 | $457.14 |
| 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 | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 50s
The following 50-59 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $20.78 | $34.27 | $49.07 | $59.02 |
| 51 | $22.26 | $37.32 | $53.36 | $65.65 |
| 52 | $23.85 | $40.22 | $57.19 | $72.00 |
| 53 | $25.46 | $43.34 | $62.67 | $78.80 |
| 54 | $27.09 | $46.49 | $67.40 | $85.66 |
| 55 | $28.75 | $49.71 | $72.23 | $92.69 |
| 56 | $30.86 | $53.67 | $78.17 | $100.05 |
| 57 | $33.12 | $57.91 | $84.53 | $107.93 |
| 58 | $35.70 | $62.73 | $91.03 | $115.90 |
| 59 | $38.46 | $67.92 | $99.32 | $126.54 |
15 Year Term
| 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 |
20 Year Term
| 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 | $163.55 | $210.60 |
| 59 | $67.78 | $122.97 | $182.12 | $234.61 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $43.75 | $79.66 | $116.94 | $147.60 |
| 51 | $48.52 | $89.01 | $130.94 | $165.38 |
| 52 | $53.87 | $98.40 | $145.02 | $184.64 |
| 53 | $59.89 | $109.41 | $161.53 | $205.55 |
| 54 | $66.64 | $122.06 | $180.51 | $229.64 |
| 55 | $74.23 | $136.64 | $202.39 | $257.46 |
| 56 | $83.19 | $156.81 | $232.63 | $295.20 |
| 57 | $93.32 | $176.31 | $261.89 | $333.22 |
| 58 | $104.75 | $200.13 | $297.64 | $378.83 |
| 59 | $117.67 | $225.57 | $335.81 | $428.76 |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 50 | $52.10 | $94.24 | $139.03 | $179.34 |
| 51 | $57.99 | $105.12 | $155.34 | $201.56 |
| 52 | $64.58 | $117.29 | $173.60 | $226.53 |
| 53 | $72.28 | $131.55 | $194.99 | $255.89 |
| 54 | $81.29 | $148.26 | $220.05 | $290.43 |
| 55 | $91.56 | $167.33 | $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 | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
MaleFemale
Life Insurance In Your 60s
The following 60-69 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $59.11 | $110.46 | $163.36 | $209.09 |
| 61 | $65.86 | $123.33 | $182.65 | $233.24 |
| 62 | $73.15 | $137.20 | $203.46 | $259.28 |
| 63 | $81.62 | $152.56 | $226.27 | $289.59 |
| 64 | $91.39 | $171.69 | $254.95 | $324.54 |
| 65 | $99.97 | $193.76 | $287.66 | $365.49 |
| 66 | $114.28 | $213.34 | $317.43 | $400.49 |
| 67 | $127.47 | $234.46 | $349.11 | $440.80 |
| 68 | $142.50 | $263.72 | $393.00 | $486.72 |
| 69 | $160.59 | $295.64 | $440.88 | $544.20 |
15 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $77.74 | $143.00 | $212.16 | $279.64 |
| 61 | $87.25 | $161.96 | $240.60 | $311.51 |
| 62 | $97.40 | $182.20 | $270.96 | $346.36 |
| 63 | $109.08 | $205.53 | $305.95 | $388.48 |
| 64 | $122.03 | $231.37 | $344.71 | $433.52 |
| 65 | $137.28 | $261.81 | $390.38 | $486.61 |
| 66 | $152.15 | $290.32 | $433.14 | $543.77 |
| 67 | $170.46 | $325.46 | $485.85 | $614.51 |
| 68 | $192.85 | $368.47 | $550.37 | $701.39 |
| 69 | $220.17 | $421.08 | $629.28 | $808.04 |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $106.25 | $199.07 | $296.26 | $387.60 |
| 61 | $120.51 | $227.21 | $338.47 | $441.01 |
| 62 | $136.30 | $258.44 | $385.32 | $500.52 |
| 63 | $154.20 | $293.90 | $438.27 | $568.32 |
| 64 | $174.23 | $335.73 | $501.02 | $648.61 |
| 65 | $199.96 | $384.70 | $574.46 | $742.87 |
| 66 | $237.67 | $453.08 | $677.05 | $866.59 |
| 67 | $272.04 | $515.95 | $771.35 | $1,000.78 |
| 68 | $314.50 | $599.28 | $895.62 | $1,144.83 |
| 69 | $358.98 | $642.84 | $1,044.38 | $1,339.99 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $194.12 | $372.85 | $556.69 | $691.03 |
| 61 | $230.27 | $438.37 | $654.82 | $782.21 |
| 62 | $257.57 | $492.35 | $737.24 | $880.95 |
| 63 | $283.59 | $543.52 | $813.99 | $1,002.92 |
| 64 | $309.39 | $595.12 | $891.39 | $1,158.42 |
| 65 | $349.38 | $668.65 | $1,001.69 | $1,299.46 |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | N/A | N/A | N/A | N/A |
| 61 | N/A | N/A | N/A | N/A |
| 62 | N/A | N/A | N/A | N/A |
| 63 | N/A | N/A | N/A | N/A |
| 64 | N/A | N/A | N/A | N/A |
| 65 | N/A | N/A | N/A | N/A |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 60s
The following 60-69 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $41.50 | $73.62 | $108.09 | $137.13 |
| 61 | $44.69 | $79.85 | $117.44 | $148.20 |
| 62 | $48.40 | $87.10 | $128.31 | $161.06 |
| 63 | $53.32 | $96.70 | $142.72 | $178.12 |
| 64 | $59.17 | $108.12 | $159.85 | $198.40 |
| 65 | $66.25 | $121.96 | $180.61 | $222.97 |
| 66 | $72.52 | $133.07 | $197.26 | $243.46 |
| 67 | $79.81 | $149.58 | $216.63 | $267.27 |
| 68 | $88.60 | $161.56 | $240.00 | $296.01 |
| 69 | $98.71 | $179.47 | $266.87 | $329.08 |
15 Year Term
| 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 |
20 Year Term
| 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 | $182.74 | $332.01 | $467.03 | $608.56 |
| 67 | $220.36 | $408.40 | $532.00 | $691.69 |
| 68 | $252.98 | $494.84 | $598.94 | $776.56 |
| 69 | $287.73 | $565.12 | $843.74 | $984.24 |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | $132.26 | $254.33 | $378.91 | $485.34 |
| 61 | $178.18 | $316.31 | $471.73 | $603.54 |
| 62 | $201.97 | $356.48 | $531.98 | $679.55 |
| 63 | $231.35 | $406.09 | $606.40 | $762.90 |
| 64 | $254.35 | $491.87 | $735.68 | $979.49 |
| 65 | $279.72 | $548.20 | $820.17 | $1,079.30 |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 60 | N/A | N/A | N/A | N/A |
| 61 | N/A | N/A | N/A | N/A |
| 62 | N/A | N/A | N/A | N/A |
| 63 | N/A | N/A | N/A | N/A |
| 64 | N/A | N/A | N/A | N/A |
| 65 | N/A | N/A | N/A | N/A |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
MaleFemale
Life Insurance In Your 70s
The following 70-79 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $178.86 | $327.89 | $489.50 | $597.95 |
| 71 | $198.97 | $366.15 | $546.64 | $673.70 |
| 72 | $223.83 | $413.47 | $619.03 | $767.39 |
| 73 | $252.79 | $473.07 | $707.26 | $885.43 |
| 74 | $292.33 | $549.02 | $821.19 | $1,035.90 |
| 75 | $336.66 | $638.76 | $955.81 | $1,213.79 |
| 76 | $393.53 | $772.74 | $1,156.56 | $1,485.31 |
| 77 | $450.41 | $894.69 | $1,370.52 | $1,736.00 |
| 78 | $507.06 | $1,008.00 | $1,508.94 | $1,942.50 |
| 79 | $563.94 | $1,121.75 | $1,679.56 | $2,149.00 |
15 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $251.59 | $481.70 | $719.95 | $931.69 |
| 71 | $307.68 | $595.13 | $890.09 | $1,161.34 |
| 72 | $367.16 | $705.97 | $1,056.38 | $1,384.00 |
| 73 | $432.86 | $858.49 | $1,285.15 | $1,689.97 |
| 74 | $519.12 | $1,031.34 | $1,544.42 | $2,057.72 |
| 75 | $620.49 | $1,223.63 | $1,863.62 | $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 | N/A | N/A | N/A |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $409.53 | $799.86 | $1,197.22 | $1,537.27 |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 70s
The following 70-79 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $109.97 | $198.74 | $296.77 | $365.91 |
| 71 | $126.83 | $233.96 | $348.60 | $430.41 |
| 72 | $145.51 | $272.23 | $406.01 | $501.89 |
| 73 | $166.11 | $314.47 | $469.36 | $580.80 |
| 74 | $189.59 | $362.58 | $541.53 | $670.71 |
| 75 | $216.30 | $417.34 | $623.67 | $773.06 |
| 76 | $271.90 | $530.72 | $793.53 | $971.37 |
| 77 | $333.20 | $648.72 | $970.53 | $1,188.12 |
| 78 | $384.13 | $762.13 | $1,140.13 | $1,453.50 |
| 79 | $435.97 | $865.81 | $1,295.66 | $1,708.00 |
15 Year Term
| 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 | N/A | N/A | N/A |
20 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | $349.13 | $644.14 | $962.26 | $1,129.88 |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
25 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
30 Year Term
| FACE VALUE | $250,000 | $500,000 | $750,000 | $1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
Conclusion
So, there you have the best life insurance rates by age, as well as by term length.
But just know, the price of your life insurance is just one consideration one should take into account when determining what kind of policy you should consider purchasing.
This is why our goal here at I&E is always to help align each client with the right policy and company based on your specific needs and goals.
So, what are you waiting for? Give us a call today for a complimentary strategy session.
