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How much is life insurance?
Let’s talk about price. How much is life insurance? On average, healthy people between the ages of 18 and 70 can expect to pay an around $68 a month when shopping for a $250,000 life insurance policy. How much will it cost you? It will depend on many factors like your age, gender, policy type, health and coverage amount. Finding how much life insurance you need should be your 1st step. Not sure how much you need? It’s easy. Just click the CALCULATE MY NEEDS button at the bottom of this page to get started.
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Final Expense
Universal Life
Whole Life
How much does life insurance cost?
Term Life Insurance
How much is term life insurance? Term life will be the least expensive life insurance policy. Term life insurance costs are low because it's temporary life insurance. A 30-year-old man in good health can expect to pay an average of $20 a month for a 20-year term $500,000 policy
Whole Life Insurance
How much is whole life insurance? Whole life is typically the most expensive type of life insurance. Whole life insurance costs more because it provides lifetime coverage and builds cash value. Whole life insurance can be up to 10 - 20 times as expensive as a comparable term policy
Guaranteed Universal Life
Guaranteed Universal Life insurance provides a good middle ground. It costs more than term, but less than whole life - and it provides lifetime coverage! A 30-year-old male can get coverage to Age 121 for around $171 a month.
Final Expense
Final Expense life insurance typically is not expensive. Final expense has lower costs simply because the coverage amounts are usually lower than other policies. A $10,000 final expense policy will cost around $49 a month for a 65-year-old male.
What's The Average Cost of Life Insurance?
Term life is the least expensive. Whole life builds cash value. How much could these policies cost you per year?
Average Cost Of Life Insurance For Males (Annual Rates)
| Age at Purchase | Coverage Amount | 30-Year Term Life | Whole Life |
|---|---|---|---|
| 30 | $250,000 | $227 | $2,474 |
| $500,000 | $374 | $4,382 | |
| $1,000,000 | $658 | $8,570 | |
| 40 | $250,000 | $341 | $4,013 |
| $500,000 | $604 | $6,251 | |
| $1,000,000 | $1,090 | $12,979 | |
| 50 | $250,000 | $811 | $5,063 |
| $500,000 | $1,508 | $10,025 | |
| $1,000,000 | $2,953 | $19,431 | |
| 60 | $250,000 | $7,300 | $9,169 |
| $500,000 | N/A | $18,082 | |
| $1,000,000 | N/A | $32,09 |
Average Cost Of Life Insurance For Females (Annual Rates)
| Age at purchase | Coverage amount | 30-year term life | Whole life |
|---|---|---|---|
| 30 | $250,000 | $192 | $2,159 |
| $500,000 | $310 | $4,207 | |
| $1,000,000 | $480 | $8,342 | |
| 40 | $250,000 | $284 | $3,177 |
| $500,000 | $493 | $6,217 | |
| $1,000,000 | $800 | $12,342 | |
| 50 | $250,000 | $606 | $4,904 |
| $500,000 | $1,124 | $9,642 | |
| $1,000,000 | $2,000 | $19,212 | |
| 60 | $250,000 | $7,300 | $7,707 |
| $500,000 | N/A | $15,350 | |
| $1,000,000 | N/A | $30,635 |
life insurance costs
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What Type of Life Insurance Do You Need?
Term Life Insurance
Cost Of Term Life Insurance
Term life insurance is typically the most affordable life insurance policy you can buy. The most popular terms are 10, 15, 20, or 30-year level term insurance policies.
Term is great for budget minded shoppers looking for the most coverage at the lowest cost. Term is usually the least expensive way to obtain coverage. So if you don’t need protection for your entire life, buy term.
Cost Of No Medical Exam Life Insurance
The cost for a No Exam life insurance policy is often comparable to policies with an exam. Do you hate needles? Do you want to skip the life insurance medical exam? If so, then a no medical exam life insurance policy is a fantastic option for you. A life insurance policy without the medical exam is a great option for shoppers looking to get covered quickly without the typical hassles or inconveniences of traditional policies.
Fast approval times: Approved anywhere from Instantly – 4 Weeks (Depending on the company). Smaller benefit amounts compared to Term with Medical Exam. Most No Exam companies have a $400,000 – $500,000 maximum. There is one company that provides a $1 Million No Exam policy, but you must be very healthy to qualify.
No Medical Exam Life Insurance
Final Expense Life Insurance
Final Expense Life Insurance Cost
Not everyone is looking for a huge life insurance policy. The cost of final expense policies can be very affordable. If you’re simply shopping for a policy to cover burial and final expenses there are several options available to you. Final Expense policies are typically offered in 2 ways
- Simplified Issue application [Answer questions to qualify]
- Guaranteed Issue option [No health questions].
The biggest difference between Burial Insurance and Final Expense: Final expense insurance includes final expenses as well as the burial costs. Burial insurance is strictly paying for the funeral and nothing else.
Cost Of Whole Life Insurance
Do you need coverage for more that 30 years? There are several options available to shoppers needing coverage for their entire life. Permanent life insurance includes Whole Life, Universal Life, IUL, and Guaranteed Universal Life (also known as GUL and “Lifetime Term”).
Cost of Universal Life Insurance
GUL can provide you lifetime coverage that is less expensive than other permanent products. Great alternative to more expensive permanent products like Whole Life. GUL is not good for cash value. It is made for life insurance coverage.
Lifetime Coverage
Best Prices on life insurance
Life insurance prices vary considerably. Your actual price will be determined when you apply and complete the underwriting process. Life insurance costs will be based on the 4 big underwriting factors: Age, Health, Driving Record, & Lifestyle. At Life Insurance Blog, we’ll find you the best prices on life insurance because we know which companies are strongest based on the Big 4 Factors above.
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Life Insurance Companies Affect Life Insurance Costs
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