See Life Insurance Rates By Your Age

Life insurance rates are heavily influenced by age. The older you are, the higher the rate. If you are curious about how much life insurance will cost for someone your age, use the tool below to quickly show sample life insurance rates from seven companies.

Use the tool below to see life insurance rates for your age. Enter your details and desired coverage amount to see sample rates to compare.

Coverage Amount Term Length $100,000 $150,000 $200,000 $250,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 10 Year Term 15 Year Term 20 Year Term 30 Year Term State you reside in AL AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA MD MI MN MS MO MT NE NH NM NV NJ NC OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY doesn’t use does use About You Male Female 4’8" 4’9" 4’10" 4’11" 5’0" 5’1" 5’2" 5’3" 5’4" 5’5" 5’6" 5’7" 5’8" 5’9" 5’10" 5’11" 6’0" 6’1" 6’2" 6’3" 6’4" 6’5" 6’6" 80 lbs 81 lbs 82 lbs 83 lbs 84 lbs 85 lbs 86 lbs 87 lbs 88 lbs 89 lbs 90 lbs 91 lbs 92 lbs 93 lbs 94 lbs 95 lbs 96 lbs 97 lbs 98 lbs 99 lbs 100 lbs 101 lbs 102 lbs 103 lbs 104 lbs 105 lbs 106 lbs 107 lbs 108 lbs 109 lbs 110 lbs 111 lbs 112 lbs 113 lbs 114 lbs 115 lbs 116 lbs 117 lbs 118 lbs 119 lbs 120 lbs 121 lbs 122 lbs 123 lbs 124 lbs 125 lbs 126 lbs 127 lbs 128 lbs 129 lbs 130 lbs 131 lbs 132 lbs 133 lbs 134 lbs 135 lbs 136 lbs 137 lbs 138 lbs 139 lbs 140 lbs 141 lbs 142 lbs 143 lbs 144 lbs 145 lbs 146 lbs 147 lbs 148 lbs 149 lbs 150 lbs 151 lbs 152 lbs 153 lbs 154 lbs 155 lbs 156 lbs 157 lbs 158 lbs 159 lbs 160 lbs 161 lbs 162 lbs 163 lbs 164 lbs 165 lbs 166 lbs 167 lbs 168 lbs 169 lbs 170 lbs 171 lbs 172 lbs 173 lbs 174 lbs 175 lbs 176 lbs 177 lbs 178 lbs 179 lbs 180 lbs 181 lbs 182 lbs 183 lbs 184 lbs 185 lbs 186 lbs 187 lbs 188 lbs 189 lbs 190 lbs 191 lbs 192 lbs 193 lbs 194 lbs 195 lbs 196 lbs 197 lbs 198 lbs 199 lbs 200 lbs 201 lbs 202 lbs 203 lbs 204 lbs 205 lbs 206 lbs 207 lbs 208 lbs 209 lbs 210 lbs 211 lbs 212 lbs 213 lbs 214 lbs 215 lbs 216 lbs 217 lbs 218 lbs 219 lbs 220 lbs 221 lbs 222 lbs 223 lbs 224 lbs 225 lbs 226 lbs 227 lbs 228 lbs 229 lbs 230 lbs 231 lbs 232 lbs 233 lbs 234 lbs 235 lbs 236 lbs 237 lbs 238 lbs 239 lbs 240 lbs 241 lbs 242 lbs 243 lbs 244 lbs 245 lbs 246 lbs 247 lbs 248 lbs 249 lbs 250 lbs 251 lbs 252 lbs 253 lbs 254 lbs 255 lbs 256 lbs 257 lbs 258 lbs 259 lbs 260 lbs 261 lbs 262 lbs 263 lbs 264 lbs 265 lbs 266 lbs 267 lbs 268 lbs 269 lbs 270 lbs 271 lbs 272 lbs 273 lbs 274 lbs 275 lbs 276 lbs 277 lbs 278 lbs 279 lbs 280 lbs 281 lbs 282 lbs 283 lbs 284 lbs 285 lbs 286 lbs 287 lbs 288 lbs 289 lbs 290 lbs 291 lbs 292 lbs 293 lbs 294 lbs 295 lbs 296 lbs 297 lbs 298 lbs 299 lbs 300 lbs 301 lbs 302 lbs 303 lbs 304 lbs 305 lbs 306 lbs 307 lbs 308 lbs 309 lbs 310 lbs 311 lbs 312 lbs 313 lbs 314 lbs 315 lbs 316 lbs 317 lbs 318 lbs 319 lbs 320 lbs 321 lbs 322 lbs 323 lbs 324 lbs 325 lbs 326 lbs 327 lbs 328 lbs 329 lbs 330 lbs 331 lbs 332 lbs 333 lbs 334 lbs 335 lbs 336 lbs 337 lbs 338 lbs 339 lbs 340 lbs 341 lbs 342 lbs 343 lbs 344 lbs 345 lbs 346 lbs 347 lbs 348 lbs 349 lbs 350 lbs 351 lbs 352 lbs 353 lbs 354 lbs 355 lbs 356 lbs 357 lbs 358 lbs 359 lbs 360 lbs 361 lbs 362 lbs 363 lbs 364 lbs 365 lbs 366 lbs 367 lbs 368 lbs 369 lbs 370 lbs 371 lbs 372 lbs 373 lbs 374 lbs 375 lbs 376 lbs 377 lbs 378 lbs 379 lbs 380 lbs 381 lbs 382 lbs 383 lbs 384 lbs 385 lbs 386 lbs 387 lbs 388 lbs 389 lbs 390 lbs 391 lbs 392 lbs 393 lbs 394 lbs 395 lbs 396 lbs 397 lbs 398 lbs 399 lbs 400 lbs See My Quotes

Why Should You Listen to Us?

NoExam.com has been in business since 2013. As a small business, we have helped over 10,000 families purchase life insurance. We have over 1,000 verified 3rd party reviews and maintain a score of 4.8 out of 5.

Our philosophy is to go above and beyond without any expectation for something in return.

How Are Life Insurance Rates Calculated?

Rates are calculated by factoring in an applicant’s age, gender, height, weight, and overall health.

The rate charts on this page represent the starting point. Age, gender, height, and weight are used to determine the rate class. Rate classes are typically labeled as:

Preferred Plus

Preferred

Standard

Rated

After using the quote calculator listed above, when an acceptable quote is offered, users can click "apply" to begin their application. Once the application begins, the applicant will need to answer some health questions to determine health classification. These questions involve family history and any current or past medical conditions.

Having a medical condition like high blood pressure can move you to the next health class. A family history of heart disease or cancer before the age of 60 can also affect an applicant’s class.

Term Life Insurance Calculator

Use the term coverage calculator to determine how much coverage to get. A good rule of thumb is to have at least seven to 10 times the annual income of the household’s main financial provider in life insurance coverage.

The answer to the question of how much coverage varies and is based on many factors. When determining the amount of coverage, consider the size of the applicant’s family, as well as their future needs, such as college tuition or wedding expenses. Also to be considered are any debts, such as a mortgage. Adding all these expenses up will give an idea of how much life insurance that family will need. It's not uncommon to need a $1,000,000 life insurance policy.

Choosing a Life Insurance Term Length

The right term length is one that provides coverage while it is needed most. A 30-year term will provide the best value but may not be the right option, given the situation.

When choosing a term length, consider your age and insurance needs. A 30-year policy term makes more sense if it is affordable. This is because the older an applicant gets, the more expensive a life insurance policy is. A 30-year term policy at age 40 is cheaper than a 20-year term policy at age 50. Most importantly, the policy must meet the needs of the insured and be affordable.

Whole life insurance, on the other hand, specifically its cash value component, is confusing to many people. It is also more expensive, which is why we almost always recommend term life insurance.

Life Insurance Rates by Age

My Age is My Gender is Male Female Term Length 10 years 15 years 20 years 30 years My Overall Health Excellent Very Good Good Fair Load Rates

Apply Now Our expert agents are standing by to help you find the right policy. Call 888-407-0714 to speak with an agent now, or click the button to apply online. Apply Now

Below are sample term life insurance rates by age for comparison purposes. The rates are broken up by term length, gender, age, and coverage amounts. We recommend you use this comparison tool to compare actual rates from the best life insurance companies.

Average Cost of Life Insurance - How Much Does Term Insurance Cost?

Term insurance can cost as low as $10 per month or as high as $500+ per month depending on age, term length, coverage amount, and overall health. The charts below provide average rates for a 50-year old man in good health. See our page on the average cost of life insurance.

It is important to note once you buy a term life policy, the rates do not increase over the term period of the policy.

Term Life Coverage Amount Average Monthly Cost of a 10 Year Term Policy * $100,000 $18.22 $250,000 $36.55 $500,000 $57.36 $1,000,000 $108.72

* These life insurance rates are for a healthy 50-year-old male. An older male can expect higher rates. Use our comparison tool for a personalized quote.

10 Year Term Life Insurance Rates By Age

A 10-year term policy usually has the lowest rate. It will offer a level premium for 10 years. Once the initial 10 years are up, the premium will rise annually if the policy is renewable.

Male Pricing samples below are rates based on a 10-year term for a healthy non-smoking male with a Preferred Plus rating. Ages 18-28 Age $100,000 $250,000 $500,000 18 $9.41 $13.92 $18.27 19 $9.41 $13.92 $18.27 20 $9.41 $13.92 $18.27 21 $9.41 $13.92 $18.27 22 $9.41 $13.92 $18.27 23 $9.41 $13.92 $18.27 24 $9.41 $13.92 $18.27 25 $9.41 $13.92 $18.27 26 $9.41 $13.92 $18.27 27 $9.41 $13.92 $18.27 28 $9.41 $13.92 $18.27

Ages 29-39 Age $100,000 $250,000 $500,000 29 $9.45 $13.92 $18.27 30 $9.45 $13.92 $18.27 31 $9.45 $13.92 $18.27 32 $9.45 $13.92 $18.27 33 $9.45 $13.92 $18.27 34 $9.45 $13.92 $18.27 35 $9.45 $13.92 $18.27 36 $10.02 $15.11 $19.71 37 $10.11 $15.33 $21.06 38 $10.29 $15.56 $22.36 39 $10.48 $15.79 $23.50

Ages 40-49 Age $100,000 $250,000 $500,000 40 $10.75 $16.25 $23.75 41 $11.02 $16.70 $24.34 42 $11.39 $17.85 $25.41 43 $12.12 $19.44 $25.54 44 $12.94 $21.04 $27.56 45 $13.76 $22.64 $29.39 45 $13.76 $22.64 $29.39 47 $15.41 $26.07 $35.40 48 $16.23 $26.60 $38.53 49 $17.05 $27.13 $41.67

Ages 50-59 Age $100,000 $250,000 $500,000 50 $17.87 $27.67 $45.70 51 $18.70 $29.95 $50.63 52 $19.61 $32.46 $56.01 53 $20.62 $35.43 $61.74 54 $21.80 $38.63 $68.01 55 $23.36 $42.28 $74.56 56 $25.27 $45.94 $81.90 57 $27.56 $50.05 $90.51 58 $30.12 $56.21 $99.02 59 $33.04 $61.69 $109.32

Ages 60-69 Age $100,000 $250,000 $500,000 60 $36.14 $68.32 $127.32 61 $37.94 $71.91 $131.81 62 $41.77 $79.52 $147.90 63 $46.03 $87.78 $165.30 64 $50.73 $98.88 $185.75 65 $56.04 $109.1 $207.5 66 $61.52 $122.15 $230.12 67 $67.70 $136.72 $254.48 68 $74.66 $153.47 $281.88 69 $82.58 $172.61 $314.94

Ages 70-74 Age $100,000 $250,000 $500,000 70 $91.88 $195.01 $355.40 71 $102.15 $219.81 $401.51 72 $112.85 $246.34 $451.97 73 $125.12 $276.79 $510.26 74 $140.78 $313.98 $586.82 Female Pricing samples below are rates based on a 10-year term for a healthy non-smoking female with a Preferred Plus rating. Ages 18-28 Age $100,000 $250,000 $500,000 18 $8.04 $10.34 $13.05 19 $8.04 $10.34 $13.05 20 $8.04 $10.34 $13.05 21 $8.04 $10.34 $13.05 22 $8.04 $10.34 $13.05 23 $8.04 $10.34 $13.05 24 $8.04 $10.34 $13.05 25 $8.04 $10.34 $13.05 26 $8.04 $10.34 $13.05 27 $8.06 $10.34 $13.05 28 $8.08 $10.34 $13.05

Ages 29-39 Age $100,000 $250,000 $500,000 29 $8.08 $10.34 $13.05 30 $8.10 $10.34 $13.05 31 $8.10 $10.34 $13.05 32 $8.10 $10.47 $13.05 33 $8.10 $10.61 $13.49 34 $8.21 $10.73 $13.49 35 $8.22 $10.98 $13.92 36 $8.74 $11.68 $14.79 37 $8.92 $12.14 $15.23 38 $9.20 $12.59 $15.68 39 $9.56 $13.05 $16.58

Ages 40-49 Age $100,000 $250,000 $500,000 40 $9.93 $13.96 $17.70 41 $10.48 $15.11 $19.04 42 $11.21 $16.48 $20.83 43 $11.85 $16.89 $22.59 44 $12.58 $16.91 $25.09 45 $13.22 $16.93 $26.66 46 $13.76 $17.98 $28.59 47 $14.31 $18.99 $30.82 48 $14.86 $20.13 $33.15 49 $15.32 $21.50 $35.40

Ages 50-59 Age $100,000 $250,000 $500,000 50 $15.87 $22.87 $38.08 51 $16.41 $24.47 $40.77 52 $16.87 $26.07 $43.91 53 $17.33 $27.89 $47.94 54 $17.97 $29.95 $51.88 55 $18.97 $32.23 $55.78 56 $20.07 $34.29 $59.50 57 $21.25 $36.34 $62.28 58 $22.72 $38.86 $65.86 59 $24.63 $42.74 $71.69

Ages 60-69 Age $100,000 $250,000 $500,000 60 $27.47 $48.22 $83.13 61 $28.46 $52.11 $86.94 62 $30.77 $62.99 $111.80 63 $40.21 $75.17 $133.55 64 $46.03 $86.65 $156.60 65 $51.86 $99.31 $180.09 66 $57.52 $111.06 $202.28 67 $63.44 $123.45 $224.90 68 $69.61 $136.50 $249.26 69 $76.49 $151.73 $278.40

Ages 70-74 Age $100,000 $250,000 $500,000 70 $84.14 $169.78 $314.51 71 $92.49 $191.10 $357.57 72 $101.19 $214.59 $407.60 73 $110.94 $241.56 $464.58 74 $122.25 $272.66 $528.96 *Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.

15 Year Term Life Insurance Rates By Age

A 15-year term policy is similar to the 10-year term in that it is usually one of the more affordable term lengths. It will provide coverage for 15 years at a level premium. Once the initial 15 years have passed, the premium will rise annually if the policy is renewable.

Male Pricing samples below are rates based on a 15-year term for a healthy non-smoking male with a Preferred Plus rating.

Ages 18-29 Age $100,000 $250,000 $500,000 18 $9.50 $14.14 $19.14 19 $9.50 $14.14 $19.14 20 $9.50 $14.14 $19.14 21 $9.50 $14.14 $19.14 22 $9.50 $14.14 $19.14 23 $9.50 $14.14 $19.14 24 $9.50 $14.14 $19.14 25 $9.50 $14.14 $19.14 26 $9.50 $14.14 $19.14 27 $9.50 $14.14 $19.14 28 $9.50 $14.14 $19.14

Ages 29-39 Age $100,000 $250,000 $500,000 29 $9.50 $14.14 $19.14 30 $9.50 $14.14 $19.14 31 $9.50 $14.14 $19.14 32 $9.50 $14.14 $19.58 33 $9.50 $14.14 $19.58 34 $9.50 $14.14 $20.01 35 $9.50 $14.14 $20.45 36 $10.11 $15.33 $22.36 37 $10.20 $15.56 $22.40 38 $10.48 $16.25 $22.40 39 $10.75 $16.93 $25.26

Ages 40-49 Age $100,000 $250,000 $500,000 40 $11.30 $17.85 $27.67 41 $12.03 $19.22 $29.57 42 $12.85 $20.81 $30.97 43 $13.40 $22.64 $33.42 44 $14.40 $24.45 $37.77 45 $15.41 $24.47 $41.93 46 $16.41 $26.66 $45.13 47 $17.51 $28.49 $48.78 48 $18.61 $30.63 $53.35 49 $19.79 $33.27 $59.57

Ages 50-59 Age $100,000 $250,000 $500,000 50 $21.07 $37.31 $67.62 51 $22.44 $39.79 $72.44 52 $23.90 $43.14 $78.86 53 $25.64 $46.97 $86.51 54 $27.47 $51.93 $96.46 55 $28.96 $60.81 $113.69 56 $31.15 $66.81 $124.24 57 $34.41 $73.86 $136.76 58 $38.02 $81.95 $151.38 59 $42.17 $91.09 $168.08

Ages 60-65 Age $100,000 $250,000 $500,000 60 $47.63 $105.29 $196.29 61 $46.30 $106.05 $176.61 62 $51.43 $106.49 $199.23 63 $57.43 $119.00 $224.90 64 $64.04 $134.09 $254.48 65 $71.96 $151.84 $291.45 Female Pricing samples below are rates based on a 15-year term for a healthy non-smoking female with a Preferred Plus rating. Ages 18-28 Age $100,000 $250,000 $500,000 18 $8.51 $11.65 $15.66 19 $8.51 $11.65 $15.66 20 $8.51 $11.65 $15.66 21 $8.51 $11.65 $15.66 22 $8.51 $11.65 $15.66 23 $8.51 $11.65 $15.66 24 $8.51 $11.65 $15.66 25 $8.51 $11.65 $15.66 26 $8.51 $11.65 $15.66 27 $8.51 $11.65 $15.66 28 $8.51 $11.65 $15.66

Ages 29-39 Age $100,000 $250,000 $500,000 29 $8.51 $11.65 $15.66 30 $8.51 $11.65 $15.66 31 $8.51 $11.65 $15.66 32 $8.51 $11.65 $15.66 33 $8.59 $11.88 $16.10 34 $8.59 $11.88 $16.10 35 $8.68 $12.10 $16.53 36 $9.20 $12.59 $17.92 37 $9.56 $13.28 $18.37 38 $9.93 $13.96 $19.27 39 $10.29 $14.88 $20.52

Ages 40-49 Age $100,000 $250,000 $500,000 40 $10.75 $15.79 $22.46 41 $11.21 $16.70 $24.34 42 $11.75 $17.85 $26.68 43 $12.30 $19.22 $29.03 44 $12.94 $19.79 $31.85 45 $13.58 $19.81 $33.11 46 $14.22 $21.27 $35.96 47 $14.95 $22.41 $38.27 48 $15.68 $24.01 $41.50 49 $16.41 $26.49 $45.10

Ages 50-59 Age $100,000 $250,000 $500,000 50 $17.33 $29.35 $51.08 51 $18.33 $31.60 $52.63 52 $19.43 $33.60 $56.46 53 $19.88 $35.35 $63.03 54 $21.07 $38.69 $69.81 55 $22.53 $42.41 $76.73 56 $24.18 $45.93 $83.52 57 $25.18 $49.59 $89.78 58 $26.55 $54.03 $97.61 59 $28.74 $60.55 $109.10

Ages 60-65 Age $100,000 $250,000 $500,000 60 $32.31 $69.28 $124.24 61 $36.38 $68.64 $121.37 62 $43.08 $79.08 $143.99 63 $50.99 $93.00 $164.00 64 $59.61 $109.32 $183.57 65 $67.96 $126.06 $204.45 *Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.

20 Year Term Life Insurance Rates By Age

A 20-year term policy our most popular term length. It will provide coverage for 20 years at a level term premium. After the initial period of 20 years, the premiums will increase annually.

Male Pricing samples below are rates based on a 20-year term for a healthy non-smoking male with a Preferred Plus rating. Ages 18-28 Age $100,000 $250,000 $500,000 18 $9.92 $14.57 $20.88 19 $9.92 $14.57 $20.88 20 $9.92 $14.57 $20.88 21 $9.92 $14.57 $20.88 22 $9.92 $14.57 $20.88 23 $9.92 $14.57 $20.88 24 $9.92 $14.57 $20.88 25 $9.92 $14.57 $20.88 26 $9.92 $14.57 $20.88 27 $9.92 $14.57 $20.88 28 $9.92 $14.57 $20.88

Ages 29-39 Age $100,000 $250,000 $500,000 29 $9.92 $14.57 $20.88 30 $9.92 $14.79 $21.32 31 $9.92 $14.79 $22.19 32 $9.92 $14.79 $22.19 33 $9.92 $15.09 $22.33 34 $9.92 $15.16 $22.38 35 $10.41 $16.29 $25.91 36 $11.21 $16.93 $26.70 37 $11.57 $18.07 $28.65 38 $11.94 $19.22 $31.18 39 $12.39 $19.94 $33.13

Ages 40-49 Age $100,000 $250,000 $500,000 40 $12.67 $21.67 $36.92 41 $13.86 $23.84 $39.14 42 $14.86 $26.00 $42.97 43 $15.96 $28.00 $46.32 44 $17.24 $30.60 $51.58 45 $17.97 $33.75 $59.93 46 $19.15 $36.25 $64.93 47 $20.71 $39.01 $70.43 48 $21.89 $42.26 $76.94 49 $23.36 $46.90 $85.50

Ages 50-60 Age $100,000 $250,000 $500,000 50 $24.63 $51.68 $96.06 51 $26.73 $54.96 $102.04 52 $28.84 $59.83 $111.80 53 $31.39 $65.22 $122.06 54 $34.13 $71.13 $135.00 55 $38.31 $83.27 $157.74 56 $43.15 $93.06 $179.18 57 $47.05 $103.93 $198.67 58 $52.84 $116.65 $226.09 59 $58.14 $131.23 $255.40 60 $64.34 $147.70 $286.85 Female Pricing samples below are based on a 20-year term for a healthy non-smoking female with a Preferred Plus rating. Ages 18-28 Age $100,000 $250,000 $500,000 18 $9.05 $13.09 $18.71 19 $9.05 $13.09 $18.71 20 $9.05 $13.09 $18.71 21 $9.05 $13.09 $18.71 22 $9.05 $13.09 $18.71 23 $9.05 $13.09 $18.71 24 $9.05 $13.09 $18.71 25 $9.05 $13.09 $18.71 26 $9.05 $13.09 $18.71 27 $9.05 $13.09 $18.71 28 $9.05 $13.09 $18.71

Ages 29-39 Age $100,000 $250,000 $500,000 29 $9.14 $13.31 $19.14 30 $9.14 $13.31 $19.14 31 $9.14 $13.31 $19.14 32 $9.23 $13.40 $19.49 33 $9.23 $13.40 $19.49 34 $9.32 $13.49 $19.49 35 $9.50 $13.99 $21.58 36 $10.38 $15.33 $22.92 37 $10.75 $16.02 $24.21 38 $11.11 $16.93 $25.84 39 $11.66 $17.85 $27.75

Ages 40-49 Age $100,000 $250,000 $500,000 40 $12.12 $18.99 $29.67 41 $12.67 $20.13 $32.06 42 $13.22 $21.50 $35.41 43 $13.86 $23.33 $38.18 44 $14.49 $24.93 $42.01 45 $15.32 $25.94 $44.98 46 $16.23 $27.83 $48.71 47 $17.14 $29.49 $51.68 48 $18.24 $31.70 $55.51 49 $19.06 $33.86 $59.81

Ages 50-60 Age $100,000 $250,000 $500,000 50 $20.16 $36.46 $65.87 51 $21.62 $38.17 $69.06 52 $23.26 $41.37 $72.14 53 $24.80 $44.93 $79.75 54 $26.47 $49.12 $88.27 55 $28.32 $53.93 $97.23 56 $30.39 $58.50 $106.43 57 $32.03 $63.06 $115.60 58 $33.95 $68.55 $128.55 59 $37.15 $76.31 $142.93 60 $42.26 $90.37 $173.03 *Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.

30 Year Term Life Insurance Rates By Age

A 30-year term offers the longest term coverage. Like the above-mentioned term lengths the 30-year term will offer a level term premium for the first 30 years, and after this initial period of can renew annually up to age 95 depending on the policy.

Male Pricing samples below are rates based on a 30-year term for a healthy non-smoking male with a Preferred Plus rating. Ages 18-28 Age $100,000 $250,000 $500,000 18 $12.96 $21.53 $33.06 19 $12.96 $21.53 $33.06 20 $12.96 $21.53 $33.06 21 $12.96 $21.53 $33.06 22 $12.96 $21.53 $33.06 23 $12.96 $21.53 $33.06 24 $12.96 $21.53 $33.06 25 $12.96 $21.53 $33.06 26 $12.96 $21.75 $33.50 27 $13.05 $21.75 $33.50 28 $13.14 $21.97 $33.76

Ages 29-39 Age $100,000 $250,000 $500,000 29 $13.22 $22.19 $33.84 30 $13.31 $22.62 $34.28 31 $13.40 $22.84 $35.15 32 $13.57 $23.27 $36.02 33 $13.83 $23.36 $36.89 34 $14.18 $23.38 $38.19 35 $14.70 $23.64 $39.50 36 $16.50 $26.20 $43.37 37 $17.33 $27.59 $46.06 38 $18.42 $29.90 $50.63 39 $19.43 $31.60 $54.21

Ages 40-50 Age $100,000 $250,000 $500,000 40 $20.52 $33.12 $57.26 41 $21.80 $36.67 $64.07 42 $23.36 $40.13 $70.79 43 $25.09 $42.57 $76.17 44 $26.59 $46.49 $82.89 45 $26.59 $50.87 $90.51 46 $28.62 $55.02 $98.30 47 $30.93 $59.63 $106.14 48 $33.51 $65.40 $116.85 49 $36.46 $71.25 $129.44 50 $39.78 $77.94 $141.99 Female Pricing samples below are based on a 30-year term for a healthy non-smoking female with a Preferred Plus rating. Ages 18-28 Age $100,000 $250,000 $500,000 18 $11.92 $18.49 $26.97 19 $11.92 $18.49 $26.97 20 $11.92 $18.49 $26.97 21 $11.92 $18.49 $26.97 22 $11.92 $18.49 $26.97 23 $11.92 $18.71 $26.97 24 $11.92 $18.71 $26.97 25 $11.92 $18.71 $26.97 26 $12.09 $18.92 $27.41 27 $12.27 $19.36 $27.41 28 $12.44 $19.58 $27.84

Ages 29-39 Age $100,000 $250,000 $500,000 29 $12.62 $20.01 $28.28 30 $12.88 $20.45 $28.62 31 $13.05 $20.88 $29.49 32 $13.31 $21.32 $30.36 33 $13.57 $21.75 $31.23 34 $13.83 $22.40 $32.10 35 $14.18 $23.27 $33.41 36 $15.68 $25.08 $36.20 37 $16.23 $25.11 $38.44 38 $16.87 $25.13 $41.22 39 $17.51 $26.34 $43.91

Ages 40-50 Age $100,000 $250,000 $500,000 40 $18.15 $27.61 $46.51 41 $18.70 $29.56 $50.40 42 $19.61 $31.68 $54.21 43 $20.62 $33.97 $58.16 44 $21.24 $36.71 $63.43 45 $21.25 $40.23 $68.46 46 $22.90 $43.49 $73.84 47 $24.63 $46.77 $80.11 48 $26.92 $50.42 $87.73 49 $29.29 $54.67 $96.33 50 $31.94 $59.64 $105.66 *Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.

UL Universal Life Insurance Quotes

Universal life, or sometimes called lifetime coverage, is a policy that offers a level premium for life. A universal life policy will offer coverage to up to age 121. The death benefit is fixed.

Male Pricing samples below are rates based on a No Lapse Universal Life quote for a healthy non-smoking male with a Preferred Plus rating. Ages 16-28 Age $100,000 $200,000 $300,000 16 $35.63 $71.26 $93.10 17 $35.65 $71.30 $93.15 18 $35.67 $71.34 $93.18 19 $35.68 $71.36 $93.23 20 $35.70 $71.40 $93.27 21 $35.72 $71.44 $93.32 22 $35.73 $71.46 $93.35 23 $35.75 $71.50 $93.40 24 $35.76 $71.52 $93.44 25 $35.78 $71.56 $93.48 26 $37.63 $75.26 $98.24 27 $39.40 $78.80 $102.81 28 $41.11 $82.22 $107.22 29 $42.75 $85.50 $111.50

Ages 29-39 Age $100,000 $200,000 $300,000 30 $44.34 $88.68 $115.62 31 $45.88 $91.76 $119.63 32 $47.37 $94.74 $123.52 33 $48.81 $97.62 $127.30 34 $50.21 $100.42 $130.96 35 $51.57 $103.14 $134.52 36 $53.96 $107.92 $142.80 37 $56.28 $112.56 $150.74 38 $58.53 $117.06 $158.38 39 $60.72 $121.44 $165.76

Ages 40-49 Age $100,000 $200,000 $300,000 40 $62.84 $125.68 $172.89 41 $64.91 $129.82 $179.79 42 $66.92 $133.84 $186.47 43 $68.88 $137.76 $192.96 44 $70.80 $141.60 $199.26 45 $72.66 $145.32 $205.37 46 $79.20 $158.40 $222.54 47 $85.38 $170.76 $238.79 48 $91.26 $182.52 $254.32 49 $96.86 $193.72 $269.20

Ages 50-59 Age $100,000 $200,000 $300,000 50 $102.22 $204.44 $283.48 51 $102.57 $205.14 $283.78 52 $107.32 $214.64 $296.52 53 $111.89 $223.78 $308.82 54 $116.30 $232.60 $320.72 55 $120.57 $241.14 $332.21 56 $131.47 $262.94 $362.26 57 $141.79 $283.58 $390.68 58 $151.61 $303.22 $417.77 59 $160.99 $321.98 $443.67

Ages 60-65 Age $100,000 $200,000 $300,000 60 $169.95 $339.90 $468.50 61 $175.11 $350.22 $482.75 62 $183.23 $366.46 $505.31 63 $191.05 $382.10 $527.04 64 $198.60 $397.20 $548.03 65 $205.89 $411.78 $568.35 Female Pricing samples below are rates based on a No Lapse Universal Life quote for a healthy non-smoking female with a Preferred Plus rating. Ages 16-28 Age $100,000 $200,000 $300,000 16 $31.61 $63.22 $80.99 17 $31.63 $63.26 $81.03 18 $31.64 $63.28 $81.06 19 $31.66 $63.32 $81.10 20 $31.67 $63.34 $81.15 21 $31.69 $63.38 $81.18 22 $31.70 $63.40 $81.22 23 $31.72 $63.44 $81.26 24 $31.73 $63.46 $81.29 25 $31.74 $63.48 $81.33 26 $32.98 $65.96 $85.53 27 $34.18 $68.36 $89.56 28 $35.34 $70.68 $93.44

Ages 29-39 Age $100,000 $200,000 $300,000 29 $36.47 $72.94 $97.18 30 $37.56 $75.12 $100.80 31 $38.63 $77.26 $104.31 32 $39.66 $79.32 $107.70 33 $40.68 $81.36 $111.00 34 $41.66 $83.32 $114.22 35 $42.63 $85.26 $117.35 36 $44.93 $89.86 $123.05 37 $47.15 $94.30 $128.52 38 $49.28 $98.56 $133.82 39 $51.34 $102.68 $138.95

Ages 40-49 Age $100,000 $200,000 $300,000 40 $53.34 $106.68 $143.94 41 $55.27 $110.54 $148.80 42 $57.15 $114.30 $153.52 43 $58.97 $117.94 $158.13 44 $60.75 $121.50 $162.62 45 $62.48 $124.96 $166.97 46 $67.41 $134.82 $181.30 47 $72.03 $144.03 $194.56 48 $76.42 $152.84 $207.12 49 $80.61 $161.22 $219.10

Ages 50-59 Age $100,000 $200,000 $300,000 50 $84.61 $169.22 $230.54 51 $86.39 $172.78 $235.80 52 $90.01 $180.02 $246.11 53 $93.50 $187.00 $256.06 54 $96.87 $193.74 $265.65 55 $100.12 $200.24 $274.90 56 $109.33 $218.66 $302.66 57 $117.93 $235.86 $328.28 58 $126.05 $252.10 $352.42 59 $133.76 $267.52 $375.27

Ages 60-65 Age $100,000 $200,000 $300,000 60 $141.11 $282.22 $397.01 61 $142.29 $284.58 $401.12 62 $148.81 $297.62 $420.34 63 $155.08 $310.16 $438.81 64 $161.13 $322.26 $456.60 65 $166.98 $333.96 $473.78 *Quotes are presented in a monthly premium format. The above quotes are for a non-smoker in excellent health and are subject to changes.

Life Insurance Pricing Study

In a recent study, we analyzed over 100,000 quotes that were requested on our website. The results are significant, but not surprising. The longer you wait to buy it, the more it will cost you in monthly premiums. But what is more surprising is that 60% of shoppers are waiting to get life insurance until after the age of 45. This is the problem that we are working to solve. Helping to raise awareness on the importance of life insurance. If you have financial dependents, get some type of coverage in force. As you are about to find out, you get the most bang for your buck by buying it younger.

As part of our research, we asked nearly 4,000 people to guess their price. The results were surprising. Of the group, 94% of the answers came nowhere close to the actual price of life insurance. Our research shows that Americans have no idea how much term life insurance should cost.

After 3,953 guesses 16% guessed too high, 78% guessed too low, and 6% guessed correctly.

Life Insurance Rates Increase By Age The average cost increases by 22% from age 20 to age 30

The average cost increases by 65% from age 30 to age 40

The average cost increases by 96% from age 40 to age 50

The average cost increases by 94% from age 50 to age 60

The average cost increases by 225% from age 30 to age 50