Life insurance rates by age
Estimated monthly prices for a 20-year term policy at the Preferred health class. Your price depends on your health, so check your own rate for an exact estimate.
Men, non-smoker
| Age | $250k | $500k | $1M |
|---|---|---|---|
| 25 | $11.70 | $17.55 | $28.60 |
| 30 | $14.37 | $22.63 | $38.23 |
| 35 | $18.43 | $30.33 | $52.81 |
| 40 | $24.56 | $41.98 | $74.89 |
| 45 | $33.85 | $59.63 | $108.33 |
| 50 | $47.92 | $86.36 | $158.98 |
| 55 | $69.22 | $126.84 | $235.67 |
| 60 | $101.48 | $188.13 | $351.81 |
| 65 | $150.33 | $280.95 | $527.68 |
Women, non-smoker
| Age | $250k | $500k | $1M |
|---|---|---|---|
| 25 | $10.40 | $15.08 | $23.92 |
| 30 | $12.54 | $19.15 | $31.62 |
| 35 | $15.78 | $25.30 | $43.29 |
| 40 | $20.69 | $34.63 | $60.95 |
| 45 | $28.12 | $48.75 | $87.71 |
| 50 | $39.37 | $70.13 | $128.22 |
| 55 | $56.41 | $102.51 | $189.57 |
| 60 | $82.22 | $151.54 | $282.48 |
| 65 | $121.31 | $225.80 | $423.19 |
Men, smoker
| Age | $250k | $500k | $1M |
|---|---|---|---|
| 25 | $24.05 | $41.02 | $73.06 |
| 30 | $31.81 | $55.75 | $100.98 |
| 35 | $43.55 | $78.07 | $143.27 |
| 40 | $61.34 | $111.87 | $207.31 |
| 45 | $88.28 | $163.05 | $304.29 |
| 50 | $129.08 | $240.56 | $451.15 |
| 55 | $190.85 | $357.94 | $673.55 |
| 60 | $284.41 | $535.70 | $1,010.36 |
| 65 | $426.09 | $804.89 | $1,520.40 |
Policy Ocean estimates based on typical carrier pricing for 20-year level term, Preferred non-tobacco unless noted. Not an offer of insurance; final rates are set by the carrier after underwriting.
Rate questions
What is the average cost of life insurance?
For a healthy 35-year-old non-smoker, a $500,000, 20-year term policy is typically in the range of $25–$35 a month. Price roughly doubles every 8 to 10 years of age.
Why do women pay less?
Women live longer on average, so insurers price their coverage lower — usually 15–25% less than men of the same age and health.
How much more do smokers pay?
Tobacco users often pay two to three times as much as non-smokers. Most carriers give non-tobacco rates after 12 months nicotine-free.
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