life insurance chart rates

Life Insurance Rates By Age Chart

Life Insurance Rates by Age

Compare life insurance rates

Life Insurance Rates by Age and Gender

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

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 insurer 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 quotes here.

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Sample Term life Premiums

Sample Whole Life Premiums

Sample Universal Life Premiums

Most brokerages won’t show show you sample rates 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 rates by age. 

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

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

It’s that easy!

life insurance rates by age chart

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 coverage 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 coverage 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. 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 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 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 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 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 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 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 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 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 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 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 coverage for ages 70 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with GUL.

25 Year Term Rates For Males Ages 70-79

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

25 Year Term Rates For Females Ages 70-79

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

If you’re shopping for coverage for ages 80 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with GUL.

25 Year Term Rates For Males Age 80+

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

25 Year Term 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 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 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 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 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 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 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 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 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 a policy for ages 60 and above, look for our sample quotes for Whole Life and Coverage to Age 121 with GUL. 

30 Year Term Rates For Males Ages 60-69

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

30 Year Term 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 Rates For Males Ages 70-79

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

30 Year Term Life 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 Rates For Males Ages 80-89

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

30 Year Term Life 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 GUL 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).

GUL 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

GUL 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

average whole life insurance rates by age

Pricing samples below are based on a permanent coverage. 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

Learning Center

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

What smart shoppers need to know

The price you ultimately will pay for your policy 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 a policy was designed to protect. Are you married? Are you single? Is your family small or large? Your decision to purchase a plan is a major step in protecting and providing for your loved ones future.

Someone in their forties may have to secure coverage 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 is an important product that will protect your loved ones or business.

Major Factors That Determine Your Premium

  • Your Age: Typically, 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 insurers deem risky? Do you use tobacco?
  • Sex: Statistically, women live longer than men. Women usually pay lower premiums because of this.
  • Hobbies & 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 Exam: Applying without a medical exam is becoming more popular. However, these policies are typically more expensive.

Buy Now or Later?

When should you buy? 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. 

Breakdown of costs

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 coverage. You’ll want to understand what the company’s underwriters are looking for before they offer you a policy.

Reminder: How old you are is just one of the factors. 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 premium will be. 

  • Now what about all of the options available to you?
  • How do you know which one to choose from?
  • What about a plan that requires a medical exam vs Non Medical ExamWhich company and product is best for how old you are?  

These and other questions need to be addressed when shopping for your policy.

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 that you’ll eventually come across.

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 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 1st 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 industry, but sometimes this isn’t enough.

Make sure to assess your needs carefully.

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.

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 Coverage Now – Don’t Wait

It’s very important to secure a policy now, because rates will increase rapidly in your 50s. The cost of coverage 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 coverage will be too expensive, have other financial concerns, plan 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.

Rates For 50 to 59 Years Old

Life insurance for ages 50-59Your need for coverage 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 policy may not be needed for these traditional situations. However, you may need coverage 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 a policy in your 50s.

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

Each 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.

Rates For 60 to 69 Years Old

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

…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 plan in your 60s.

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

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

When you turn 65, your options and 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 prices will still be less than buying whole life policies.

Rates For Seniors

Purchasing a policy 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 buying a policy past age 70 will limit the type of coverage that is available. It will also limit the amount of companies that are available to shop from.

Policies 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 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 policies are focused on burial insurance and have a smaller death benefit than some other 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 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

We hope you’ve found out life insurance rates by age chart helpful in your research of policy prices. When shopping for your policy, make sure you’re working with an independent agent- no matter what your age is.

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

At LIB, 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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