Life Insurance Quotes by Age and Gender (Term and Whole Life Insurance)
Last Updated: 11/05/2017
Most life insurance agencies will ask for your personal information before they’ll provide you with a life insurance quote. Term life Advice is different.
Below we’ve provided some sample term life insurance quotes by age and gender to help you estimate the cost of your coverage without speaking to an agent.
10 Year Term – Quotes by Age and Gender
(Actual rates for ages 20 to 80)
The 10-year term is the least expensive and shortest term that most life insurance brokers offer. It offers guaranteed level premiums and fixed coverage for 10 years. After the term ends, most companies allow you to renew the policy at annually increasing premiums to continue coverage. The 10-year term is ideal for:
- Business policies including buy-sell agreements and key-person insurance
- Small business owners needing to collateralize an SBA loan
- People nearing retirement age
- Court ordered life insurance for divorce decree
Below we’ve provided sample quotes for $100,000, $250,000, $500,000, $750,000, and $1,000,000 coverage amounts for healthy non-smokers that qualify for “Preferred Best” rates.
10 Year Term Life Insurance Quotes by Age – Female
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $6.88 | $8.60 | $12.04 | $15.23 | $18.06 |
| 30 | $6.88 | $8.60 | $12.04 | $15.70 | $18.06 |
| 40 | $7.91 | $10.75 | $16.34 | $22.15 | $25.37 |
| 50 | $12.64 | $20.43 | $35.26 | $50.00 | $62.23 |
| 60 | $23.39 | $42.14 | $75.68 | $111.16 | $139.75 |
| 70 | $58.22 | $108.26 | $200.28 | $298.21 | $372.38 |
| 80 | $296.67 | $537.25 | $1,066.41 | $1,595.67 | $1,569.48 |
*All quotes are based on a Monthly premium. Quotes are for a female, in excellent health, non-smoker. Valid as of 9/1/17.
10 Year Term Life Insurance Quotes by Age – Male
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $7.14 | $9.46 | $13.76 | $18.28 | $21.07 |
| 30 | $7.14 | $9.46 | $13.76 | $18.28 | $20.64 |
| 40 | $8.34 | $11.61 | $18.06 | $24.73 | $28.71 |
| 50 | $14.10 | $23.65 | $41.71 | $60.20 | $74.37 |
| 60 | $28.55 | $60.09 | $112.66 | $166.63 | $213.71 |
| 70 | $87.67 | $178.06 | $321.93 | $478.40 | $609.45 |
| 80 | $388.03 | $781.66 | $1,514.89 | $2,271.05 | $2,604.36 |
*All quotes are based on a Monthly premium. Quotes are for a male, in excellent health, non-smoker. Valid as of 9/1/17.
For a free, custom quote, call ustoday at: 855-902-6494
OR
15 Year Term – Quotes by Age and Gender
(Actual rates for ages 20 to 80)
The 15-year term is one of the shorter durations available. It can be considerably less expensive than a 20-year term policy. It offers guaranteed level premiums for 15 years. After the term ends, most companies allow you to renew the policy at annually increasing premiums to continue coverage. A 15-year term may be the best choice for:
- Business policies including buy-sell agreements and key-person insurance
- Term layering where more than one policy is purchased at varying durations
- Protecting a 15-year mortgage
- People nearing retirement age
- Young families with children
Below we’ve provided monthly quotes for $100,000, $250,000, $500,000, $750,000, and $1,000,000 of coverage for healthy non-smokers that qualify for “Preferred Best” rates.
15 Year Term Life Insurance Quotes by Age – Female
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $7.40 | $9.68 | $13.49 | $17.18 | $20.88 |
| 30 | $7.48 | $9.89 | $14.19 | $18.92 | $22.79 |
| 40 | $8.94 | $12.47 | $19.96 | $27.49 | $33.97 |
| 50 | $14.09 | $23.87 | $41.71 | $60.20 | $77.52 |
| 60 | $29.41 | $54.61 | $96.32 | $142.12 | $186.19 |
| 70 | $77.66 | $134.20 | $260.04 | $385.88 | $495.88 |
| 80 | N/A | N/A | N/A | N/A | N/A |
*All quotes are based on a Monthly premium. Quotes are for a female, in excellent health, non-smoker. Valid as of 9/1/17.
15 Year Term Life Insurance Quotes by Age – Male
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $7.57 | $10.51 | $15.05 | $20.21 | $23.65 |
| 30 | $7.65 | $10.51 | $15.05 | $20.21 | $23.65 |
| 40 | $9.12 | $12.97 | $20.21 | $27.95 | $34.83 |
| 50 | $18.50 | $32.47 | $58.19 | $84.42 | $107.01 |
| 60 | $38.53 | $79.25 | $149.21 | $221.45 | $286.28 |
| 70 | $122.81 | $235.62 | $462.88 | $690.14 | $889.24 |
| 80 | N/A | N/A | N/A | N/A | N/A |
*All quotes are based on a Monthly premium. Quotes are for a male, in excellent health, non-smoker. Valid as of 9/1/17.
For a free, custom quote, call ustoday at: 855-902-6494
OR
20 Year Term – Quotes by Age and Gender
(Actual rates for ages 20 to 80)
The 20-year term is the most commonly-purchased and competitively-priced term insurance policy on the market. It offers guaranteed level premiums for 20 years. After the term ends, most companies allow you to renew the policy at annually increasing premiums to continue coverage. The 20-year term is ideal for:
- Mortgage protection
- Families just starting out, or with young children
- Income replacement protection
- Retirement planning and pension maximization
- Business policies including buy-sell, key-man insurance and SBA loans
Below we’ve provided quotes for $100,000, $250,000, $500,000, $750,000, and $1,000,000 of coverage for healthy non-smokers that qualify for “Preferred Best” rates.
20 Year Term Life Insurance Quotes by Age – Female
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $8.26 | $11.61 | $13.92 | $17.84 | $21.75 |
| 30 | $8.26 | $11.81 | $17.63 | $23.70 | $28.81 |
| 40 | $10.23 | $15.27 | $24.94 | $35.05 | $43.43 |
| 50 | $18.32 | $31.18 | $55.47 | $80.84 | $101.91 |
| 60 | $36.98 | $77.62 | $139.32 | $206.62 | $267.03 |
| 70 | $158.12 | $269.94 | $531.87 | $793.87 | $1,048.25 |
| 80 | N/A | N/A | N/A | N/A | N/A |
*All quotes are based on a Monthly premium. Quotes are for a female, in excellent health, non-smoker. Valid as of 9/1/17.
20 Year Term Life Insurance Quotes by Age – Male
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $9.03 | $12.90 | $19.78 | $27.31 | $33.11 |
| 30 | $9.03 | $13.12 | $20.21 | $27.95 | $33.97 |
| 40 | $10.92 | $17.85 | $28.38 | $40.21 | $51.17 |
| 50 | $22.27 | $41.44 | $75.68 | $111.16 | $142.33 |
| 60 | $53.23 | $110.03 | $205.97 | $306.59 | $396.03 |
| 70 | $207.52 | $414.25 | $809.99 | $1,212.21 | $1,555.62 |
| 80 | N/A | N/A | N/A | N/A | N/A |
*All quotes are based on a Monthly premium. Quotes are for a male, in excellent health, non-smoker. Valid as of 9/1/17.
For a free, custom quote, call ustoday at: 855-902-6494
OR
25 Year Term – Quotes by Age and Gender
(Actual rates for ages 20 to 80)
The 25-year term is only available with a handful of carriers. Because of limited competition, a 25-year term may be comparable or more expensive than a 30-year term. A 25-year term policy offers level premiums and coverage guaranteed for 25 years. After the term ends, most companies allow you to renew the policy at annually increasing premiums to continue coverage.
Before purchasing a 25-year term, we recommend comparing rates for a 30-year term as well to make sure your getting the best rates. The 25-year term may be ideal for:
- Mortgage protection
- Young families with small children
- Income replacement protection
Below we’ve provided quotes for $100,000, $250,000, $500,000, $750,000, and $1,000,000 of coverage for healthy non-smokers that qualify for “Preferred Best” rates.
25 Year Term Life Insurance Quotes by Age – Female
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $9.98 | $13.96 | $21.50 | $29.89 | $36.10 |
| 30 | $10.53 | $14.41 | $22.79 | $31.82 | $38.27 |
| 40 | $13.04 | $20.73 | $35.74 | $51.06 | $64.19 |
| 50 | $24.66 | $43.78 | $79.99 | $117.44 | $148.88 |
| 60 | $69.82 | $134.46 | $252.88 | $376.78 | $481.08 |
| 70 | N/A | N/A | N/A | N/A | N/A |
| 80 | N/A | N/A | N/A | N/A | N/A |
*All quotes are based on a Monthly premium. Quotes are for a female, in excellent health, non-smoker. Valid as of 9/1/17.
25 Year Term Life Insurance Quotes by Age – Male
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $11.44 | $16.39 | $25.37 | $35.69 | $44.29 |
| 30 | $11.46 | $16.99 | $26.66 | $37.63 | $46.87 |
| 40 | $15.16 | $24.60 | $43.24 | $62.31 | $79.64 |
| 50 | $30.80 | $57.80 | $108.06 | $159.54 | $203.13 |
| 60 | $99.59 | $196.80 | $372.50 | $556.20 | $703.59 |
| 70 | N/A | N/A | N/A | N/A | N/A |
| 80 | N/A | N/A | N/A | N/A | N/A |
*All quotes are based on a Monthly premium. Quotes are for a male, in excellent health, non-smoker. Valid as of 9/1/17.
For a free, custom quote, call ustoday at: 855-902-6494
OR
30 Year Term – Quotes by Age and Gender
(Actual rates for ages 20 to 80)
The 30-year term is the longest term offered by most life insurance companies and providers. It’s also the most expensive term option available. It offers guaranteed level premiums for 30 years. After the term ends, most companies allow you to renew the policy at annually increasing premiums to continue coverage. The 30-year term is usually ideal for:
The 30-year term is usually ideal for:
- People planning to start a family
- Mortgage protection
- Income replacement protection
- Protecting a special needs child
- Term layering where more than one policy is purchased at varying durations
Below we’ve provided quotes for $100,000, $250,000, $500,000, $750,000, and $1,000,000 of coverage for healthy non-smokers that qualify for “Preferred Best” rates.
30 Year Term Life Insurance Quotes by Age – Female
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $10.27 | $15.48 | $16.97 | $22.40 | $27.84 |
| 30 | $11.52 | $16.99 | $27.52 | $38.62 | $47.73 |
| 40 | $14.87 | $24.73 | $43.00 | $62.14 | $78.69 |
| 50 | $29.50 | $53.55 | $97.61 | $144.05 | $184.45 |
| 60 | N/A | N/A | N/A | N/A | N/A |
| 70 | N/A | N/A | N/A | N/A | N/A |
| 80 | N/A | N/A | N/A | N/A | N/A |
*All quotes are based on a Monthly premium. Quotes are for a female, in excellent health, non-smoker. Valid as of 9/1/17.
30 Year Term Life Insurance Quotes by Age – Male
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $12.51 | $18.49 | $24.36 | $33.50 | $42.63 |
| 30 | $13.12 | $19.78 | $32.68 | $46.66 | $58.05 |
| 40 | $18.20 | $29.67 | $52.46 | $76.33 | $99.33 |
| 50 | $37.45 | $70.95 | $134.30 | $198.90 | $251.94 |
| 60 | N/A | N/A | N/A | N/A | N/A |
| 70 | N/A | N/A | N/A | N/A | N/A |
| 80 | N/A | N/A | N/A | N/A | N/A |
*All quotes are based on a Monthly premium. Quotes are for a male, in excellent health, non-smoker. Valid as of 9/1/17.
For a free, custom quote, call ustoday at: 855-902-6494
OR
Lifetime Coverage – Quotes by Age and Gender
(Actual rates for ages 20 to 80)
Many top-rated insurers offer lifetime or permanent life insurance coverage that works just like term life insurance. No investment risk, and your rates and death benefit can be guaranteed to age 90, 95, 100, 105, 110, or even 121. If you’re purchasing a policy for lifetime coverage, we usually recommend purchasing a policy that will exceed your lifetime expectancy by at least 5 years.
To be on the safe side, you can also select a policy that will extend your coverage to the maximum, age 121. Most financial planners, estate/trust attorneys, and bankers recommend these lifetime policies due to their simplicity and guarantees. Permanent or lifetime insurance policies are designed to leave a lump sum of untaxed money behind. Lifetime coverage is ideal for:
- Funding a trust
- Estate planning
- Leaving an inheritance
- Protecting a special needs child
- Maximizing a pension
- Final expenses and burial costs
Below we’ve provided quotes for $100,000, $250,000, $500,000, $750,000, and $1,000,000 of coverage for healthy non-smokers that qualify for “Preferred Best” rates.
Lifetime Coverage Quotes by Age – Female
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $24.65 | $58.00 | $106.00 | $153.00 | $193.00 |
| 30 | $37.08 | $82.00 | $152.00 | $222.00 | $287.00 |
| 40 | $51.96 | $117.68 | $224.15 | $336.23 | $427.90 |
| 50 | $79.40 | $183.63 | $354.55 | $531.83 | $680.00 |
| 60 | $130.66 | $301.08 | $575.95 | $863.93 | $1,104.40 |
| 70 | $218.05 | $545.12 | $1,068.45 | $1,602.68 | $2,061.80 |
| 80 | $507.77 | $1,191.90 | $2,318.05 | $3,477.08 | $4,503.60 |
*All quotes are based on a Monthly premium. Quotes are for a female, in excellent health, non-smoker. Valid as of 9/1/17.
Lifetime Coverage Quotes by Age – Male
| Age | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| 20 | $29.79 | $71.00 | $130.00 | $190.50 | $234.10 |
| 30 | $43.97 | $102.00 | $192.00 | $264.60 | $341.30 |
| 40 | $62.21 | $137.80 | $260.85 | $391.28 | $491.90 |
| 50 | $93.45 | $220.00 | $406.55 | $609.83 | $767.00 |
| 60 | $150.46 | $343.50 | $669.25 | $1,003.88 | $1,298.30 |
| 70 | $266.44 | $640.93 | $1,242.70 | $1,864.05 | $2,462.70 |
| 80 | $623.42 | $1,455.00 | $2,801.10 | $4,201.65 | $5,484.60 |
*All quotes are based on a Monthly premium. Quotes are for a male, in excellent health, non-smoker. Valid as of 9/1/17.
For a free, custom quote, call ustoday at: 855-902-6494
OR
Search Any Amount of Coverage – Quotes by Age and Gender
(We offer $25,000 to $10,000,000 of term insurance)
As an independent and Nationally-licensed life insurance agency, we work directly with more than 60 top-rated life insurance companies. By working with a wide variety of companies, not only are we able to match our clients with the least expensive insurance options available, we’re also able to offer options most of our competitors can’t.
If your searching for less than $100,000 or coverage, more than $5,000,000 of coverage, or if you need an affordable policy that will guarantee rates until age 90 or later, we can help. Our owner-operated agency has more than five decades of combined experience. We’re here to help you find the best solution. For a custom quote based on your age and health profile, call us today at: 855-902-6494, or you can request a free instant online quote below to compare rates from dozens of companies in less than a minute.