life insurance chart rates

Life Insurance Rates By Age Charts

term life insurance rates by age chart

Compare life insurance rates

Want to see how affordable a new life insurance policy is? How much does life insurance cost at different ages? Use our charts to compare sample life insurance rates at every age.

Life Insurance Rates by Age

Your age is a major underwriting risk factor. The older you get the more likely you’ll die sooner when compared to younger people. Therefore, the older you are the higher your premium must be for the insurance company to cover the increased risk. 

You can also get started by finding the type of policy you’re interested in below and click “Let’s Go.” We’ll take you directly to the rates for that age and policy type. You can also scroll down and read this post at your own pace -or- get instant life insurance quotes here.

Instant Life Insurance Rate Calculator

Sample Term life Premiums

Sample Whole Life Premiums

Sample Universal Life Premiums

Most insurance brokerages won’t show show you sample life insurance quotes because they want all your personal information. When you get online quotes – you may be surprised with the endless calls, texts and emails that follow. We wanted to make things easier for you and research all of the life insurance rates by age. 

You’ll get sample quotes by policy type and gender. Our goal is that these sample quotes help you and other life insurance shoppers make an informed decision based on price.  

We calculated the average monthly cost of life insurance — All you need to do is find your age and type of policy.

It’s that easy!

Term Life Insurance Rates By Age Chart

Sample 10-Year Term Life Insurance Rates

The average term life insurance rates by age below are based on a 10-year term policy. Monthly premiums below are for non-smoking men and women with a Preferred Best health class rating (excellent health):

10-Year Term For Males Ages 20-29

AGE$100,000$500,000$750,000$1,000,000
20 years old$7.14$13.76$18.27$21.07
21 years old$7.14$13.76$18.27$21.07
22 years old$7.14$13.76$18.27$21.07
23 years old$7.14$13.76$18.27$21.07
24 years old$7.14$13.76$18.27$21.07
25 years old$7.14$13.76$18.27$21.07
26 years old$7.14$13.76$18.27$21.07
27 years old$7.14$13.76$18.27$21.07
28 years old$7.14$13.76$18.27$21.07
29 years old$7.14$13.76$18.27$21.07

10 Year Term For Females Ages 20-29

AGE$100,000$500,000$750,000$1,000,000
20 years old$6.88$12.04$15.48$17.50
21 years old$6.88$12.04$15.48$18.06
22 years old$6.88$12.04$15.48$18.06
23 years old$6.88$12.04$15.48$18.06
24 years old$6.88$12.04$15.48$18.06
25 years old$6.88$12.04$15.48$18.38
26 years old$6.88$12.04$15.48$18.40
27 years old$6.88$12.04$15.48$18.40
28 years old$6.88$12.04$15.70$18.06
29 years old$6.88$12.04$15.70$18.06

10-Year Term Males Ages 30-39

AGE$100,000$500,000$750,000$1,000,000
30$7.14$13.76$18.27$21.07
31$7.14$13.76$18.27$21.07
32$7.14$13.76$18.27$21.07
33$7.14$13.76$18.27$21.07
34$7.14$13.76$18.27$21.93
35$7.14$13.76$18.27$21.93
36$7.31$14.62$19.71$22.79
37$7.57$15.48$21.06$24.51
38$7.83$16.34$22.36$25.37
39$8.08$17.20$23.44$27.09

10-Year Term For Females Ages 30-39

AGE$100,000$500,000$750,000$1,000,000
30$6.88$12.04$15.70$18.06
31$6.88$12.47$16.34$18.49
32$6.88$12.47$16.34$18.49
33$6.88$12.47$16.34$19.35
34$6.88$12.47$16.34$19.35
35$6.88$12.47$16.34$19.35
36$7.05$13.33$16.34$20.21
37$7.22$13.76$18.27$21.93
38$7.48$14.62$19.57$22.79
39$7.65$15.48$20.19$24.51

10-Year Term For Males Ages 40-49

AGE$100,000$500,000$750,000$1,000,000
40$8.34$18.06$24.73$28.81
41$8.77$19.78$27.31$32.25
42$9.20$21.50$29.89$34.83
43$9.72$23.65$33.11$39.13
44$10.23$25.80$36.34$43.97
45$11.03$28.38$40.21$45.50
46$11.44$30.53$43.43$52.24
47$12.04$33.11$47.30$56.35
48$12.64$35.69$51.17$61.86
49$13.33$38.27$55.04$68.69

10 Year Term Life Insurance Rates For Females Ages 40-49

AGE$100,000$500,000$750,000$1,000,000
40$7.91$9.51$22.15$25.37
41$8.26$17.63$24.08$28.81
42$8.60$19.35$26.66$31.39
43$9.03$21.07$29.24$34.83
44$9.46$22.79$31.82$38.27
45$10.06$24.94$34.63$41.13
46$10.41$26.44$36.68$45.15
47$10.84$28.38$40.21$48.59
48$11.35$30.53$43.97$52.89
49$11.95$32.68$46.66$57.19

10 Year Term For Males Ages 50-59

AGE$100,000$500,000$750,000$1,000,000
50$14.10$41.71$60.20$75.51
51$15.05$46.44$67.30$84.35
52$16.00$51.83$74.62$93.10
53$16.98$57.57$83.06$104.91
54$17.68$63.88$92.75$115.50
55$19.34$70.48$104.67$130.38
56$20.98$76.93$114.38$142.33
57$22.53$85.36$124.10$156.95
58$24.17$25.66$137.09$172.43
59$26.23$101.90$150.50$192.21

10-Year Term For Females Ages 50-59

AGE$100,000$500,000$750,000$1,000,000
50$12.86$35.26$51.19$62.35
51$13.21$37.84$54.53$66.88
52$13.65$41.21$57.88$74.11
53$14.00$44.19$62.34$79.63
54$14.44$47.69$67.92$84.00
55$15.49$51.63$73.50$94.50
56$17.33$55.56$79.41$102.64
57$19.16$59.50$85.31$109.81
58$20.38$64.75$93.19$118.76
59$21.76$69.66$101.78$128.57

10 Year Term For Males Ages 60-69

AGE$100,000$500,000$750,000$1,000,000
60$28.55$112.66$169.51$213.71
61$32.59$129.06$189.66$240.37
62$36.84$142.49$209.80$270.90
63$38.67$157.55$236.64$303.98
64$40.51$178.06$264.03$336.69
65$42.35$187.25$277.81$366.63
66$54.34$219.64$326.89$409.79
67$64.05$237.25$353.30$448.34
68$69.21$256.50$381.54$508.29
69$73.41$283.01$421.30$557.41

10 Year Term For Females Ages 60-69

AGE$100,000$500,000$750,000$1,000,000
60$23.39$75.68$112.88$139.75
61$25.11$85.31$124.03$154.37
62$27.00$92.75$135.19$171.41
63$29.07$102.68$150.08$190.05
64$31.68$115.06$168.66$202.21
65$33.42$124.27$187.23$225.29
66$38.46$139.13$204.75$244.10
67$42.50$147.06$222.27$263.77
68$44.98$159.89$236.62$286.85
69$49.26$177.41$262.91$319.34

10-Year Term For Males Ages 70-79

AGE$100,000$500,000$750,000$1,000,000
70$79.36$322.99$475.81$609.92
71$97.78$365.09$544.42$709.65
72$109.31$417.67$623.29$824.95
73$121.19$480.94$718.20$954.89
74$127.49$557.46$832.98$1,090.25
75$133.79$644.44$963.59$1,248.54
76$155.75$754.25$1,128.31$1,477.88
77$177.71$864.06$1,293.03$1,677.38
78$199.68$973.88$1,457.75$1,876.00
79$221.64$1,083.69$1,622.47$2,075.50

10-Year Term For Females Ages 70-79

AGE$100,000$500,000$750,000$1,000,000
70$55.48$200.43$298.20$369.79
71$66.18$240.45$356.74$445.73
72$74.80$275.54$409.37$510.91
73$85.10$322.25$479.59$597.80
74$90.74$380.89$567.39$706.39
75$96.25$426.79$637.42$788.26
76$115.85$533.44$796.23$990.77
77$135.45$627.51$937.32$1,192.63
78$155.05$750.75$1,123.06$1,444.36
79$175.53$853.13$1,276.63$1,650.25

10-Year Term For Males Age 80

AGE$100,000$500,000$750,000$1,000,000
80$243.60$1,193.50$1,787.19$2,275.00

10-Year Term For Females Age 80

AGE$100,000$500,000$750,000$1,000,000
80$195.21$951.56$1,424.28$1,848.88

Sample 15-Year Term Life Insurance Premiums

The average cost of life insurance on a 15-year term policy is below. Monthly rates for healthy non-smoking men and women with a Preferred Plus health class rating are:

15-Year Term For Males Ages 20-29

AGE$100,000$500,000$750,000$1,000,000
20$7.57$15.05$19.81$23.65
21$7.57$15.05$19.81$23.65
22$7.57$15.05$19.81$23.65
23$7.57$15.05$19.81$23.65
24$7.57$15.05$19.81$23.65
25$7.57$15.05$19.81$23.65
26$7.57$15.05$19.81$23.65
27$7.57$15.05$19.81$23.65
28$7.65$15.05$19.81$23.65
29$7.65$15.05$19.81$23.65

15-Year Term For Females Ages 20-29

AGE$100,000$500,000$750,000$1,000,000
20$7.40$14.10$18.51$21.00
21$7.40$14.10$18.51$21.00
22$7.40$14.10$18.51$21.00
23$7.40$14.10$18.51$21.00
24$7.40$14.10$18.51$21.00
25$7.40$14.10$18.51$21.00
26$7.40$14.10$18.51$22.70
27$7.40$14.10$18.51$22.70
28$7.48$14.10$18.51$22.79
29$7.48$14.10$18.51$22.79

15 Year Term For Males Ages 30-39

AGE$100,000$500,000$750,000$1,000,000
30 years old$7.65$15.05$19.81$23.65
31 years old$7.65$15.48$20.46$24.51
32 years old$7.65$15.48$20.86$24.51
33 years old$7.74$15.48$20.86$24.51
34 years old$7.74$15.48$20.86$24.51
35 years old$7.74$15.48$20.86$24.51
36 years old$8.00$16.34$22.15$26.23
37 years old$8.26$17.20$23.44$28.81
38 years old$8.60$18.45$25.37$30.53
39 years old$8.86$19.35$26.66$32.25

15 Year Term For Females Ages 30-39

AGE$100,000$500,000$750,000$1,000,000
30$7.48$14.10$18.51$22.79
31$7.48$14.53$19.16$23.60
32$7.48$14.53$19.16$23.65
33$7.48$14.96$19.81$23.65
34$7.48$15.05$19.99$24.51
35$7.48$15.05$19.99$24.51
36$7.74$15.91$21.28$26.23
37$8.00$16.77$22.57$27.95
38$8.26$17.63$24.08$29.67
39$8.60$18.49$25.37$31.39

15 Year Term For Males Ages 40-49

AGE$100,000$500,000$750,000$1,000,000
40$9.12$20.21$27.95$34.83
41$9.80$23.22$32.47$40.85
42$10.58$26.23$36.98$46.87
43$11.44$29.84$42.18$53.75
44$12.47$33.97$48.37$61.49
45$13.33$38.03$54.46$68.68
46$14.16$41.19$59.21$74.74
47$15.06$44.63$64.37$80.79
48$16.05$46.87$67.72$88.84
49$17.15$52.46$76.11$96.64

15 Year Term For Females Ages 40-49

AGE$100,000$500,000$750,000$1,000,000
40$8.94$19.97$27.95$33.97
41$9.37$21.07$29.24$37.41
42$9.98$22.79$31.82$40.85
43$10.41$24.94$34.83$45.15
44$10.99$27.09$38.05$49.21
45$11.63$29.24$41.28$53.38
46$12.09$31.39$45.15$57.31
47$12.40$33.54$48.30$61.25
48$12.81$35.69$51.17$66.59
49$13.33$38.70$55.69$71.81

15 Year Term For Males Ages 50-59

AGE$100,000$500,000$750,000$1,000,000
50$18.35$57.19$83.21$106.66
51$19.63$62.91$91.78$116.99
52$21.02$68.63$100.36$128.36
53$22.53$74.91$109.79$141.09
54$24.17$81.82$120.15$155.23
55$25.80$89.41$131.53$168.99
56$27.86$99.02$148.31$187.91
57$30.01$109.18$161.18$207.69
58$32.34$120.40$178.02$230.05
59$35.26$133.73$198.01$257.57

15 Year Term Life For Females Ages 50-59

AGE$100,000$500,000$750,000$1,000,000
50$13.85$41.71$60.20$77.83
51$15.82$44.29$64.07$82.99
52$16.86$47.73$69.23$89.87
53$17.89$51.17$74.39$96.75
54$19.09$55.47$80.84$104.49
55$20.38$60.20$87.94$113.09
56$21.84$65.36$95.68$124.27
57$23.39$71.81$105.35$137.17
58$25.11$78.69$115.67$150.93
59$27.18$86.86$127.93$168.13

15 Year Term For Males Ages 60-69

AGE$100,000$500,000$750,000$1,000,000
60$38.53$148.35$219.95$288.44
61$43.60$163.83$243.16$316.91
62$49.19$181.89$270.25$353.03
63$55.30$212.06$315.10$398.61
64$60.99$239.52$356.30$445.82
65$66.76$270.25$402.79$497.72
66$74.03$304.98$454.89$570.38
67$81.29$342.92$511.81$653.42
68$88.55$388.25$579.79$754.63
69$95.81$438.96$655.85$850.50

15 Year Term For Females Ages 60-69

AGE$100,000$500,000$750,000$1,000,000
60$29.41$96.32$142.12$186.19
61$31.99$107.93$159.53$207.69
62$34.83$121.26$179.53$230.05
63$37.84$135.45$200.81$254.99
64$41.11$150.50$223.39$281.65
65$44.46$165.98$246.61$308.31
66$49.97$187.48$278.86$353.89
67$54.16$208.98$311.11$393.31
68$57.75$234.94$348.47$437.68
69$64.22$264.47$392.77$493.06

15 Year Term For Males Ages 70-79

AGE$100,000$500,000$750,000$1,000,000
70$104.65$495.79$741.11$910.88
71$151.27$595.22$890.26$1,182.80
72$180.72$714.80$1,069.62$1,410.30
73$216.10$859.91$1,287.29$1,680.78
74$252.58$1,008.69$1,510.46$1,972.32
75$280.27$1,177.68$1,763.95$2,304.28
76$331.01$1,476.19$2,213.00$2,930.02
77$382.61$1,692.05$2,536.79$3,359.16
78$445.91$1,976.71$2,963.78$3,925.90
79

15 Year Term For Females Ages 70-79

AGE$100,000$500,000$750,000$1,000,000
70$72.10$294.00$437.06$548.54
71$93.31$359.76$535.70$672.00
72$109.56$425.47$634.27$795.46
73$130.81$513.14$765.78$960.05
74$158.24$622.69$930.10$1,165.76
75$192.17$723.05$1,081.81$1,354.07
76$249.74$1,024.69$1,535.75$1,946.18
77$287.41$1,188.52$1,781.49$2,266.10
78$332.65$1,384.17$2,074.97$2,641.92
79

If you’re shopping for life insurance for ages 80 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with Guaranteed Universal Life insurance. For a customized quote contact us at 888-411-1329

15-Year Term For Males Age 80+

AGE$100,000$250,000$500,000
$1,000,000*
80

15-Year Term For Females Age 80+

AGE$100,000$250,000$500,000
$1,000,000*
80

Sample 20-Year Term Life Insurance Quotes

The average cost of life insurance for a 20-year term is listed below. These sample monthly premiums are for a non-smoking men and women with a Preferred Plus health class rating (excellent health):

20-Year Term For Males Ages 20-29

AGE$100,000$250,000$500,000$1,000,000
20$9.10$8.37$19.69$33.11
21$9.10$12.90$19.69$34.11
22$9.10$12.90$19.69$34.13
23$9.10$12.90$19.69$34.13
24$9.10$12.90$19.69$34.13
25$9.10$12.90$19.69$34.13
26$9.10$12.90$19.69$34.13
27$9.10$13.09$19.69$34.13
28$9.10$13.09$19.69$34.13
29$9.10$13.11$19.78$34.13

20-Year Term For Females Ages 20-29

AGE$100,000$250,000$500,000$1,000,000
20$8.23$11.38$16.63$25.38
21$8.23$11.38$16.63$25.38
22$8.23$11.38$16.63$25.38
23$8.23$11.38$16.63$25.38
24$8.23$11.38$16.63$25.38
25$8.23$11.38$16.63$25.38
26$8.26$11.52$16.68$27.86
27$8.26$11.52$16.68$27.86
28$8.26$11.61$17.11$27.95
29$8.26$11.38$17.11$28.29

20 Year Term For Males Ages 30-39

AGE$100,000$250,000$500,000$1,000,000
30$9.10$13.11$27.09$34.13
31$9.10$13.33$20.12$34.13
32$9.03$13.33$20.55$34.13
33$9.12$13.46$20.67$34.13
34$9.12$13.54$21.11$34.13
35$9.12$13.67$21.07$35.00
36$9.46$14.40$22.36$39.27
37$9.80$15.50$24.41$41.27
38$10.15$16.19$25.37$44.29
39$10.58$16.77$27.09$48.59

20 Year Term For Females Ages 30-39

AGE$100,000$250,000$500,000$1,000,000
30$8.26$11.70$17.11$28.72
31$8.34$11.82$17.54$28.81
32$8.34$11.82$17.54$29.58
33$8.43$12.04$17.97$29.67
34$8.51$12.04$18.06$30.53
35$8.51$12.04$18.49$30.53
36$8.86$12.68$19.35$33.11
37$9.20$13.33$20.64$34.83
38$9.55$13.76$21.93$37.41
39$9.89$14.40$23.22$39.99

20 Year Term For Males Ages 40-49

AGE$100,000$250,000$500,000$1,000,000
40 years old$10.92$17.85$28.38$10.92
41 years old$11.78$19.35$31.82$58.05
42 years old$12.73$21.66$35.69$65.79
43 years old$13.74$23.43$39.99$73.53
44 years old$14.44$25.58$44.29$82.13
45 years old$15.58$27.95$49.29$92.28
46 years old$17.11$30.31$53.56$100.02
47 years old$18.23$32.68$58.25$108.62
48 years old$19.44$34.18$61.06$119.11
49 years old$20.30$37.84$68.37$130.29

20 Year Term For Females Ages 40-49

AGE$100,000$250,000$500,000$1,000,000
40$10.33$15.20$24.94$43.43
41$10.84$16.34$27.52$47.73
42$11.35$17.84$29.67$52.03
43$12.08$19.13$32.25$57.19
44$12.43$20.85$35.69$63.21
45$12.78$22.75$38.70$70.09
46$14.05$24.08$41.28$75.25
47$14.85$25.58$44.29$80.41
48$16.10$27.31$47.30$87.29
49$16.27$29.03$51.60$94.17

20-Year Term For Males Ages 50-59

AGE$100,000$250,000$500,000$1,000,000
50$20.74$40.85$74.39$142.33
51$24.17$44.72$82.13$156.09
52$26.23$49.02$90.60$175.09
53$28.09$53.53$99.50$188.68
54$28.44$58.39$109.35$208.33
55$29.93$63.43$119.54$229.66
56$35.17$70.30$133.30$255.85
57$38.76$79.12$148.25$284.23
58$42.44$88.37$164.26$315.19
59$46.03$100.01$183.61$353.89

20-Year Term For Females Ages 50-59

AGE$100,000$250,000$500,000$1,000,000
50$16.45$31.18$55.47$101.91
51$19.39$34.19$61.06$112.23
52$20.74$37.41$67.08$123.41
53$21.09$40.85$73.53$136.31
54$21.44$44.41$81.27$150.07
55$22.49$47.03$87.94$165.55
56$27.30$53.75$97.61$181.89
57$29.07$58.53$105.78$199.09
58$31.30$64.94$115.67$218.01
59$33.97$70.33$126.42$241.23

20-Year Term For Males Ages 60-69

AGE$100,000$250,000$500,000$1,000,000
60$49.61$110.03$205.97$396.03
61$57.49$127.32$235.68$456.23
62$65.36$143.52$267.20$518.49
63$73.24$160.17$304.78$601.56
64$81.11$177.27$342.01$664.97
65$88.99$213.63$394.69$760.68
66$117.48$244.71$459.58$880.05
67$135.88$281.31$521.16$1,021.56
68$158.50$315.19$602.43$1,159.45
69$182.23$362.19$703.39$1,348.74

20-Year Term For Females Ages 60-69

AGE$100,000$250,000$500,000$1,000,000
60$36.98$77.92$139.32$267.03
61$41.54$87.71$158.67$304.87
62$46.61$100.54$180.60$348.92
63$52.41$111.98$203.82$389.40
64$57.23$125.40$228.76$435.16
65$62.04$136.74$254.13$487.96
66$84.54$174.86$309.36$586.60
67$98.64$198.43$348.60$668.06
68$115.33$218.86$400.97$776.74
69$135.19$244.41$466.42$912.45

20 Year Term For Males Ages 70-79

AGE$100,000$250,000$500,000$1,000,000
70$207.52$411.85$804.87$1,546.62
71
72
73
74
75
76
77
78
79

20 Year Term For Females Ages 70-79

AGE$100,000$250,000$500,000$1,000,000
70$157.21$269.94$531.87$1,048.25
71
72
73
74
75
76
77
78
79

If you’re shopping for life insurance for ages 80 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with Guaranteed Universal Life insurance. For a customized quote contact us at 888-411-1329

20-Year Term For Males Age 80+

AGE$100,000$250,000$500,000
$1,000,000*
80

20-Year Term For Females Age 80+

AGE$100,000$250,000$500,000
$1,000,000*
80

Sample 25-Year Term Life Insurance Rates

Here is the average cost of purchasing a 25-year term policy. Monthly rates are for a healthy non-smoking man and woman with a Preferred Plus health class rating (excellent health):

25 Year Term Life Insurance Rates For Males Ages 20-29

AGE$100,000$500,000$750,000$1,000,000
20$10.76$25.28$35.35$44.11
21$10.76$25.28$35.35$44.11
22$10.85$25.28$35.35$44.11
23$10.85$25.28$35.35$44.11
24$10.94$25.28$35.35$44.11
25$10.94$25.28$35.35$44.11
26$10.94$25.28$35.35$44.20
27$11.03$25.71$35.99$45.06
28$11.03$25.71$35.99$45.06
29$11.11$26.14$36.64$45.92

25 Year Term Life Insurance Rates For Females Ages 20-29

AGE$100,000$500,000$750,000$1,000,000
20$9.63$21.31$29.39$35.44
21$9.71$21.31$29.39$35.44
22$9.71$21.31$29.39$35.44
23$9.71$21.31$29.39$35.44
24$9.80$21.31$29.39$35.44
25$9.80$21.32$29.39$35.44
26$9.89$21.41$29.54$36.10
27$9.89$21.84$30.19$36.77
28$9.89$21.84$30.19$37.32
29$9.98$22.27$30.83$37.32

25 Year Term Life Insurance Rates For Males Ages 30-39

AGE$100,000$500,000$750,000$1,000,000
30$11.11$26.57$37.28$46.78
31$11.74$27.00$37.93$47.64
32$11.86$27.86$39.22$49.36
33$11.98$28.72$40.51$50.22
34$12.11$29.55$41.74$52.13
35$12.24$30.27$42.83$53.46
36$12.75$32.46$46.10$57.75
37$13.29$34.74$49.54$62.41
38$13.87$37.32$53.41$68.68
39$14.50$40.20$57.72$73.87

25 Year Term Life Insurance Rates For Females Ages 30-39

AGE$100,000$500,000$750,000$1,000,000
30$9.98$22.70$31.48$38.18
31$10.29$23.13$32.12$39.04
32$10.35$23.99$33.41$40.76
33$10.41$24.42$34.06$41.62
34$10.48$25.11$35.08$43.59
35$10.54$25.72$36.00$44.88
36$11.02$27.30$38.37$48.05
37$11.55$29.00$40.92$51.48
38$11.90$30.83$43.67$55.18
39$12.08$32.80$46.62$59.18

25 Year Term Life Insurance Rates For Males Ages 40-49

AGE$100,000$500,000$750,000$1,000,000
40$15.17$43.25$62.29$80.79
41$16.07$47.21$68.24$88.58
42$17.06$51.83$75.16$97.23
43$18.13$56.82$82.65$105.57
44$19.30$62.34$90.93$116.38
45$20.58$68.46$100.11$128.35
46$22.23$74.74$109.52$140.46
47$24.06$81.64$119.88$153.76
48$26.08$89.22$131.25$168.36
49$28.31$97.56$143.76$184.40

25 Year Term Life Insurance Rates For Females Ages 40-49

AGE$100,000$500,000$750,000$1,000,000
40$12.51$34.93$49.81$63.49
41$12.95$37.82$54.15$69.12
42$13.65$40.99$58.91$75.29
43$14.18$44.48$64.14$82.06
44$14.70$48.30$69.87$89.48
45$16.80$52.49$76.16$97.61
46$18.05$56.98$82.90$105.96
47$19.44$61.91$90.28$115.06
48$20.97$67.29$98.36$124.98
49$22.67$73.19$107.21$135.80

25 Year Term Life Insurance Rates For Males Ages 50-59

AGE$100,000$500,000$750,000$1,000,000
50$30.79$106.72$157.51$202.02
51$34.49$120.02$177.45$227.52
52$38.73$135.06$200.01$256.33
53$43.58$152.06$225.51$288.86
54$46.03$171.29$254.35$325.62
55$47.25$193.04$286.97$367.13
56$58.36$220.04$327.48$420.45
57$64.93$250.92$373.81$479.36
58$71.40$286.25$426.79$547.30
59$77.96$326.65$487.39$618.68

25 Year Term Life Insurance Rates For Females Ages 50-59

AGE$100,000$500,000$750,000$1,000,000
50$23.80$79.65$116.90$147.59
51$26.95$89.05$130.99$165.37
52$29.66$99.63$146.87$185.38
53$32.71$111.55$164.75$207.88
54$34.21$124.97$184.88$233.18
55$34.83$140.08$207.54$261.65
56$44.28$157.69$233.96$295.32
57$49.09$177.61$263.83$333.16
58$53.90$200.12$297.59$378.82
59$58.80$225.56$335.76$428.75

25 Year Term Life Insurance Rates For Males Ages 60-69

AGE$100,000$500,000$750,000$1,000,000
60$84.53$372.85$556.70$699.52
61$111.11$428.52$640.01$794.42
62$122.72$485.18$725.00$896.49
63$134.25$554.81$829.45$1,023.64
64$145.86$615.76$922.35$1,182.50
65$157.38$668.65$1,001.69$1,299.46
66
67
68
69

25 Year Term Life Insurance Rates For Females Ages 60-69

AGE$100,000$500,000$750,000$1,000,000
60$63.61$254.33$378.91$485.35
61$81.14$287.09$427.87$539.24
62$91.52$320.83$478.47$597.20
63$104.23$362.35$540.75$668.99
64$119.37$513.85$769.49$997.60
65$130.81$565.88$847.53$1,099.08
66
67
68
69

If you’re shopping for life insurance for ages 70 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with Guaranteed Universal Life insurance. For customized quotes contact us at 888-411-1329

25 Year Term Life Insurance Rates For Males Ages 70-79

AGES$100,000$250,000$500,000
$1,000,000*
70-79

25 Year Term Life Insurance Rates For Females Ages 70-79

AGES$100,000$250,000$500,000
$1,000,000*
70-79

If you’re shopping for life insurance for ages 80 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with Guaranteed Universal Life insurance.For customized quotes contact us at 888-411-1329

25 Year Term Life Insurance Rates For Males Age 80+

AGE$100,000$250,000$500,000
$1,000,000*
80

25 Year Term Life Insurance Rates For Females Age 80+

AGE$100,000$250,000$500,000
$1,000,000*
80

Sample 30-Year Term Life Insurance Rates

Here is the average cost of a 30-year term life insurance policy. Monthly rates are for a healthy non-smoking man and woman with a Preferred Best health class rating (excellent health) are as follows:

30-Year Term Life For Males Ages 20-29

AGE$100,000$500,000$750,000$1,000,000
20$11.38$30.96$44.08$51.80
21$11.38$30.96$44.08$51.80
22$11.38$31.23$44.26$51.80
23$11.38$31.23$44.26$51.80
24$11.38$31.23$44.26$51.80
25$11.46$31.23$44.26$51.80
26$11.73$31.30$44.38$52.86
27$11.73$31.65$44.89$53.95
28$11.81$31.73$45.02$55.06
29$11.90$32.07$45.53$56.20

30-Year Term Life Insurance Rates For Females Ages 20-29

AGE$100,000$500,000$750,000$1,000,000
20$10.06$22.79$32.90$40.25
21$10.06$23.22$33.54$40.25
22$10.15$23.65$34.19$40.85
23$10.15$24.08$34.70$40.85
24$10.24$24.51$34.34$40.85
25$10.24$24.85$34.70$40.85
26$10.24$25.28$35.35$42.00
27$10.33$25.71$35.99$42.00
28$10.33$26.14$36.64$42.00
29$10.41$26.57$37.28$42.00

30-Year Term Rates For Males Ages 30-39

AGE$100,000$500,000$750,000$1,000,000
30$11.90$32.29$45.85$57.36
31$12.34$33.24$47.28$59.11
32$12.51$34.22$48.76$60.92
33$12.60$35.17$50.18$61.49
34$12.78$36.30$51.87$64.72
35$12.86$37.39$53.50$66.50
36$13.56$39.99$57.40$69.23
37$14.44$42.57$61.27$76.11
38$14.70$46.01$66.43$85.12
39$15.05$49.45$71.59$92.04

30 Year Term Life Insurance Rates For Females Ages 30-39

AGE$100,000$500,000$750,000$1,000,000
30$10.50$27.19$38.20$42.00
31$10.76$27.86$39.22$48.50
32$10.94$28.72$40.51$50.22
33$10.94$29.58$41.80$51.94
34$10.94$30.19$42.22$53.38
35$11.73$31.44$44.58$54.25
36$12.62$33.35$47.45$59.66
37$13.30$35.17$50.18$63.96
38$13.30$37.60$53.82$68.25
39$13.48$39.90$57.28$69.13

30-Year Term Life Insurance Rates For Males Ages 40-49

AGE$100,000$500,000$750,000$1,000,000
40$15.93$52.46$76.11$95.38
41$18.11$58.82$85.66$108.47
42$19.16$63.98$93.39$118.85
43$19.60$68.80$100.62$129.43
44$20.21$74.39$109.00$140.61
45$22.58$81.27$119.33$153.51
46$26.34$88.15$129.64$168.13
47$28.55$95.46$140.61$181.89
48$29.75$104.92$154.80$208.38
49$30.54$114.81$169.63$229.45

30 Year Term Life Insurance Rates For Females Ages 40-49

AGE$100,000$500,000$750,000$1,000,000
40$14.09$42.49$61.15$70.00
41$14.18$45.95$66.35$78.75
42$14.61$48.56$69.78$84.88
43$15.31$52.06$75.03$91.00
44$16.01$55.56$80.28$97.13
45$18.29$63.31$92.39$112.88
46$21.33$68.80$100.62$130.29
47$22.88$74.82$109.65$141.38
48$23.71$81.27$119.32$151.62
49$24.15$89.01$130.93$161.79

30 Year Term Life Insurance Rates For Males Ages 50-59

AGE$100,000$500,000$750,000$1,000,000
50$33.78$125.13$185.12$254.04
51$41.71$137.60$203.82$286.38
52$47.73$170.28$252.84$324.13
53$52.24$190.92$283.80$370.24
54$53.38$214.14$318.63$420.88
55$55.21$239.94$357.33$431.38
56$78.95$340.13$508.91$671.66
57$88.49$381.84$571.47$761.10
58$96.75$432.15$646.93$858.28
59$252.89

30 Year Term Life Insurance Rates For Females Ages 50-59

AGE$100,000$500,000$750,000$1,000,000
50$25.73$97.18$143.19$175.00
51$31.39$105.78$156.09$202.53
52$36.21$123.41$182.53$231.77
53$36.49$141.68$209.95$263.07
54$36.75$156.52$232.20$284.38
55$37.63$163.63$242.38$294.00
56$68.28$297.56$445.05$582.22
57$76.80$341.85$511.49$669.94
58$85.23$385.71$577.28$758.52
59$252.89

If you’re shopping for life insurance for ages 60 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with Guaranteed Universal Life insurance.For and accurate quote contact us at888-411-1329

30 Year Term Life Insurance Rates For Males Ages 60-69

AGES$100,000$250,000$500,000
$1,000,000*
60-69

30 Year Term Life Insurance Rates For Females Ages 60-69

AGES$100,000$250,000$500,000
$1,000,000*
60-69

If you’re shopping for life insurance for ages 70 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with Guaranteed Universal Life insurance.For and accurate quote contact us at888-411-1329

30 Year Term Life Insurance Rates For Males Ages 70-79

AGES$100,000$250,000$500,000
$1,000,000*
70-79

30 Year Term Life Insurance Rates For Females Ages 70-79

AGES$100,000$250,000$500,000
$1,000,000*
70-79

If you’re shopping for life insurance for ages 80 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with Guaranteed Universal Life insurance.For and accurate quote contact us at888-411-1329

30 Year Term Life Insurance Rates For Males Ages 80-89

AGES$100,000$250,000$500,000
$1,000,000*
80-89

30 Year Term Life Insurance Rates For Females Ages 80-89

AGES$100,000$250,000$500,000
$1,000,000*
80-89

Sample Guaranteed Universal Life Rates to Age 100

We calculated the average cost of a Guaranteed Universal Life insurance policy that provides coverage to age 100. Rates are based on healthy non-smoking men and women with a Preferred Best health class rating (excellent health).

Guaranteed Universal Life Coverage To Age 100: Sample Rates For Men Ages 30-69

Age$50,000$100,000$250,000$500,000
30$24$37$103$182
35$32$47$109$211
40$36$56$132$258
45$46$69$165$315
50$56$86$205$386
55$68$110$263$505
60$87$143$337$664

Guaranteed Universal Life Coverage to Age 100: Sample Rates for Women Ages 30-60

Age$50,000$100,000$250,000$500,000
30$26$34$77$143
35$30$40$92$174
40$34$47$113$214
45$41$54$136$253
50$49$72$175$322
55$61$90$219$428
60$74$120$281$540

Sample Whole Life Insurance Rates By Age Chart

Pricing samples below are based on a Whole Life policy. Rates are based on healthy non-smoking men and women with a Preferred Plus health class rating.

 

Sample Whole Life Rates For Men Ages 20-80

AGE$100,000$500,000$750,000$1,000,000
20$64.22$293.30$436.80$580.30
21$66.50$304.24$453.21$602.17
22$68.69$315.18$469.61$624.05
23$70.88$326.11$486.02$645.92
24$73.06$337.05$502.43$667.80
25$75.25$347.99$518.83$689.68
26$78.31$362.86$541.14$719.43
27$81.38$377.74$563.46$749.18
28$84.35$392.61$585.77$778.93
29$87.41$407.49$608.08$808.68
30$90.39$422.80$631.05$839.30
31$94.41$442.49$660.58$878.68
32$98.44$462.61$690.77$918.93
33$102.46$482.30$720.30$958.30
34$106.58$502.43$750.49$998.55
35$110.60$522.55$780.68$1,038.80
36$115.33$545.74$815.46$1,085.18
37$120.05$569.36$850.89$1,132.43
38$124.78$592.99$886.33$1,179.68
39$129.50$616.17$921.11$1,226.05
40$134.31$639.80$956.55$1,273.30
41$140.26$669.55$1,001.18$1,332.80
42$146.30$699.30$1,045.80$1,392.30
43$152.34$729.49$1,091.08$1,452.68
44$158.38$759.24$1,135.71$1,512.18
45$164.41$788.99$1,180.33$1,571.68
46$172.29$827.93$1,238.74$1,649.55
47$180.08$866.43$1,296.49$1,726.55
48$187.95$905.36$1,354.89$1,804.43
49$195.74$943.86$1,412.64$1,881.43
50$203.53$982.80$1,471.05$1,959.30
51$213.94$1,000.99$1,501.33$2,011.68
52$224.35$1,085.61$1,625.27$2,164.93
53$234.68$1,136.80$1,702.05$2,267.30
54$245.09$1,188.43$1,779.49$2,370.55
55$255.50$1,239.61$1,856.27$2,472.93
56$269.33$1,308.30$1,959.30$2,610.30
57$283.15$1,376.55$2,061.68$2,746.80
58$296.98$1,445.24$2,164.71$2,884.18
59$310.80$1,513.93$2,267.74$3,021.55
60$324.71$1,582.18$2,370.11$3,158.05
61$343.96$1,669.53$2,501.47$3,333.41
62$360.96$1,747.83$2,618.92$3,490.01
63$377.75$1,833.09$2,746.81$3,660.53
64$396.20$1,927.49$2,888.40$3,849.32
65$416.64$2,032.76$3,046.31$4,059.86
66$438.92$2,147.59$3,218.57$4,289.54
67$462.67$2,271.14$3,403.88$4,536.62
68$488.33$2,404.68$3,604.19$4,803.71
69$516.26$2,551.28$3,824.09$5,096.90
70$546.97$2,713.10$4,066.82$5,420.54
71$578.64$2,880.57$4,318.03$5,755.49
72$611.00$3,051.96$4,575.11$6,098.27
73$646.67$3,241.62$4,859.60$6,477.59
74$688.17$3,463.47$5,192.38$6,921.29
75$738.11$3,732.30$5,595.62$7,458.95
76$791.70$4,023.32$6,032.15$8,040.98
77$847.29$4,326.95$6,487.59$8,648.24
78$912.02$4,679.73$7,016.77$9,353.81
79$992.84$5,118.65$7,675.14$10,231.64
80$1,097.07$5,541.55$8,309.17$11,076.80

 

Sample Whole Life Quotes For Women Ages 20-80

AGE$100,000$500,000$750,000$1,000,000
20$56.61$255.24$379.71$504.18
21$58.54$264.86$394.14$523.42
22$60.55$274.93$409.24$543.55
23$62.56$284.55$423.68$562.80
24$64.49$294.61$438.77$582.92
25$66.50$304.24$453.21$602.17
26$69.04$316.93$472.24$627.55
27$71.66$329.61$491.27$652.92
28$74.20$342.30$510.30$678.30
29$76.83$355.43$529.99$704.55
30$79.36$368.11$549.02$729.93
31$82.69$384.30$573.30$762.30
32$86.01$400.93$598.24$795.55
33$89.34$417.55$623.17$828.80
34$92.66$433.74$647.46$861.18
35$95.99$450.36$672.39$894.43
36$99.75$469.18$700.61$932.05
37$103.60$487.99$728.83$969.68
38$107.36$506.36$756.39$1,006.43
39$111.13$525.17$784.61$1,044.05
40$114.98$543.99$812.83$1,081.68
41$120.66$572.42$855.49$1,138.55
42$126.35$600.42$897.49$1,194.55
43$132.04$628.86$940.14$1,251.43
44$137.73$656.86$982.14$1,307.43
45$143.50$685.30$1,024.80$1,364.30
46$149.89$716.80$1,072.05$1,427.30
47$156.28$748.74$1,119.96$1,491.18
48$162.66$780.24$1,167.21$1,554.18
49$169.05$811.74$1,214.46$1,617.18
50$175.44$843.68$1,262.36$1,681.05
51$185.15$891.36$1,333.89$1,776.43
52$194.78$939.05$1,405.43$1,871.80
53$204.40$987.18$1,477.61$1,968.05
54$214.11$1,034.86$1,549.14$2,063.43
55$223.74$1,082.55$1,620.68$2,158.80
56$235.81$1,142.49$1,710.58$2,278.68
57$247.89$1,198.43$1,794.81$2,391.20
58$259.26$1,238.45$1,854.84$2,471.24
59$268.74$1,282.82$1,921.40$2,559.98
60$279.62$1,335.45$2,000.35$2,665.25
61$291.62$1,395.48$2,090.39$2,785.31
62$304.50$1,460.73$2,188.27$2,915.81
63$318.33$1,532.07$2,295.28$3,058.49
64$333.47$1,610.37$2,412.73$3,215.09
65$350.09$1,695.63$2,540.62$3,385.61
66$367.75$1,786.11$2,676.34$3,566.57
67$386.28$1,880.94$2,818.58$3,756.23
68$406.29$1,984.04$2,973.23$3,962.42
69$428.48$2,098.88$3,145.49$4,192.10
70$453.36$2,228.94$3,340.58$4,452.23
71$480.15$2,370.32$3,552.65$4,734.98
72$508.43$2,519.96$3,777.11$5,034.26
73$539.40$2,684.82$4,024.40$5,363.99
74$574.29$2,871.87$4,304.98$5,738.09
75$614.22$3,087.20$4,627.97$6,168.74
76$656.07$3,315.14$4,969.88$6,624.62
77$698.96$3,550.91$5,323.53$7,096.16
78$747.77$3,818.87$5,725.47$7,632.08
79$807.36$4,143.38$6,212.24$8,281.09
80$882.53$4,549.67$6,821.67$9,093.67

Life Insurance Rates by Age Learning Center

There’s plenty more to learn about your specific age. Learn more about life insurance rates by age by clicking on the decade below. You’ll find out all the information you need about how your age will affect your policy.

Life Insurance Rates by Age [What smart shoppers need to know]

The price you ultimately will pay for life insurance will depend on a variety of factors. Your age is one of them – and it’s a major one.

No matter if you’re 20 or 80, there are financial situations that life insurance was designed to protect. Are you married? Are you single? Is your family small or large? Your decision to purchase a life insurance policy is a major step in protecting and providing for your loved ones future.

Someone in their forties may have to secure life insurance to protect a mortgage, college for their children, and replace income. While someone in their sixties may be looking to simply cover funeral costs.

life insurance tip

Regardless of your situation, term life insurance is an important product that will protect your loved ones or business – No matter what stage in life you’re in.

Major Factors That Determine Your Life Insurance Premium

  • Your Age: Typically, life insurance premiums increase as you get older.
  • Policy Type and Length: Are you buying a new Whole or Term plan? Is your term policy 10 years or 30?
  • Health History: Have you had any health conditions that life insurance companies deem risky? Do you use tobacco?
  • Sex: Statistically, women live longer than men. Women usually pay lower life insurance premiums because of this.
  • Lifestyle & Occupation: Are you a teacher? SCUBA Instructor? Salesman? Skydiver? Believe it or not, it matters! Not all jobs are created equal in the eyes of underwriters. If you have a high risk occupation, you may end up paying a higher premium.
  • Medical or Non Medical Life Insurance: Life insurance without a medical exam is becoming more popular. However, these policies are typically more expensive.

Buy Now or Later?

Are you thinking about purchasing life insurance? Buying a new policy now will probably be the best time to do it. The exception to this rule is if you’re sick or don’t have dependents.  

However, if you’re still young and relatively healthy then now is a great time to buy a new policy instead of later. 

The biggest reason?  PRICE. 

Getting sample rates is great, but you also should read up on all your options. Is a no medical exam option better or should you take an exam? We’ve done the heavy lifting and put together a guide showing you everything you need to know. 

Life Insurance Costs by Age Overview

In this article, we’ll break down the information by decade and focus on specific age groups. These specific posts will include what you may want to consider before you purchase a life insurance policy. You’ll want to understand what the life insurance company’s underwriters are looking for before they offer you a life insurance policy.

Reminder: How old you are is just one of the factors. Life insurance companies will also research your health, lifestyle and other factors to determine your final rate. 

Applying with a company at a certain rate does not mean you’ll get approved at that rate. You must go through the underwriting process. This is what will ultimately determine what your final life insurance premium will be. 

  • Now what about all of the life insurance companies available to you?
  • How do you know which one to choose from?
  • What about life insurance with a medical exam vs Non Medical Exam life insuranceWhich company and product is best for how old you are?  

These and other questions need to be addressed when shopping for life insurance. Find out these answers and more by clicking on the age links below.

Life Insurance Rates For 30 year Olds

Life insurance for ages 30-39

If you are in your thirties, you probably have started building some major milestones in your life.

You may have started a family. You’ll typically be beginning or have become established in your career in your 30s. You may have assets that will need protection as well as protecting your income.

You may have already purchased your first life insurance policy or your work provided you one. However, this coverage may be too low to sufficiently protect your family and assets.

Perhaps you’re looking to purchase your first life insurance policy or add to existing coverage.

For those in their 30s who will be purchasing their first policy- How much coverage is needed to protect your future income, mortgage, family’s needs, college for your children and any other debts?

10 times your annual income is often used in the life insurance industry, but sometimes this isn’t enough.

Make sure to assess your needs carefully.

Life insurance premiums will go up approximately 5% every year when you’re in your thirties. If you wait until you’re in your 40s, that percentage goes up even more.

Take advantage of these lower rates now while you’re still young and hopefully healthy.  You can see that rates are still affordable in your 40s, but that will depend on your health.

Changes to your health can have dramatic consequences. You won’t know how your health will change over time. Act now when your age and health are ideal.

Life Insurance Rates For 40 to 49 Years Old

Life insurance for ages 40-49

When you reach your forties, you may have more to protect than your 30s.

Some in their 30s have put off buying a new policy because…

…they didn’t really think they had the need at that time.

Now that you’re in your 40s, your circumstances may be much different.

How much coverage you require may reflect on your increased earnings and the need to protect your future income.

By the time you reach your 40s, you’re more than likely established with your career or business and your income has usually increased since your 30s.

However, if your house is paid off and you have a large amount of savings, you may need less coverage.

Buy Life Insurance Now – Don’t Wait

It’s very important to secure a policy now, because rates will increase rapidly in your 50s. The cost of life insurance is a major concern for shoppers. Research has shown that most consumers put off buying new coverage because of a few misconceptions and need more information.

Consumers put off buying because they think life insurance will be too expensive, have other financial concerns, life insurance complexity, and don’t like thinking about their mortality.

Young and Healthy?

Mortality. It’s a topic that very few want to think about.  However, securing coverage in your 40s when you’re still relatively young and healthy is very important. As you age, your chances of acquiring a health risk increases.

You’re more likely to get a health condition as you get older. Depending on your health condition, it may raise your rate slightly, significantly- or you may not even be able to secure coverage at all.

When in your 40s, you start to quickly realize that your body doesn’t function the way it did a decade ago. You start to notice:

  • Aches and pains more frequently.
  • Drinking and eating excessively has a more profound effect now.
  • The doctor has a few more “suggestions” at the annual checkup.

Overall, these issues might be humorous for the majority of us, but it’s a reminder that we aren’t invincible. It’s also a reminder that we need to take care of ourselves. All of this information reminds us that we never know when something minor may turn significant.

Life Insurance Rates For 50 to 59 Years Old

Life insurance for ages 50-59Your need for life insurance changes once again when you reach your 50s. Your children may have grown and moved out of your home.

You may no longer have a mortgage or it is almost paid off.

Your life policy may not be needed for these traditional situations. However, you may need a life insurance policy in order to leave an inheritance.

You may want to set up a trust or use it for your estate as a liquid asset.

Rates will start increasing quickly when you purchase life insurance in your 50s.

It will be more costly, especially if you have any health situations that are significant. However, there are so many life insurance companies available which makes this market competitive.

Each life insurance company will see you differently.

This is a good thing, because there are niche companies for ages and health conditions. By having companies compete, you’ll get the best chance at affordable coverage.

Life Insurance Rates For 60 to 69 Years Old

life insurance for ages 60-69When you reach your 60s you may need life insurance…

…in order to help support family or loved ones.

Perhaps you’re just looking to cover funeral expenses or leave an inheritance.

You need to be smart when buying a life policy in your 60s.

It is very important to secure coverage before turning 65. There are many companies that don’t even offer life insurance policies over 65.

As with most products, prices are often competitive when there is competition.

When you turn 65, your life insurance choices start to dwindle quickly.

When a significant amount of companies don’t offer policies over age 65, prices will be more expensive.

Now these term life prices will still be less than buying whole life insurance policies.

Life Insurance Rates For Seniors

Purchasing life insurance in your 70s, 80s, and 90s is very common. There are various reasons why one may not have purchased before, but now it is needed.

Postponing a life insurance purchase past age 70 will limit the type of life insurance coverage that is available. It will also limit the amount of companies that are available to shop from.

Life insurance at these ages don’t have to break the bank.

There are companies that focus on the senior market and offer affordable policies. Some of them have a few qualifying questions before a life policy is offered. Don’t worry if you have a few health issues like high blood pressure or even diabetes. There are many types of policies available.

Many of these policies are called Final Expense policies. These life insurance policies are focused on burial insurance and have a smaller death benefit than some other life insurance policies.

Now that doesn’t mean you can’t get great coverage. Final expense policies typically have a death benefit amount around $25,000. 

Some companies have a slightly higher death benefit amount and some have lower.

As with all life insurance policies, make sure you have your independent agent shop from multiple companies. This will always give you the most options and chances of meeting your goals.

Bottom Line

When shopping for life insurance, make sure you’re working with an independent life insurance agent- no matter what your age is.

Rates are the same no matter if you shop direct or with an independent agent like Life Insurance Blog. The difference is in service, choices and options.

At Life Insurance Blog, we’ll provide you customized quotes, answer all of your questions, and provide you all of your options (some you may not have even thought of). We’ll help you throughout the entire process- from application to approval. There is no cost for our service- not even if your policy requires a medical exam. You only pay for the policy if you’r satisfied with the final offer.

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Michael Quinn
Founder – Life Insurance Blog

We’ve all been there — You’re just not ready to talk to an agent right now.

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