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$10,000 Life Insurance [Sample Rates by Age]

10000 life insurance

These $10,000 life insurance policies are usually final expense and burial insurance. Ideally you want a whole life policy that has fixed premiums, guaranteed cash value growth, and a guaranteed death benefit.

$10,000 Life Insurance Rates

You can scroll down or simply click on the age group your interested to view the $10,000 whole life insurance rates by age.

The following sample quotes are for informational purposes only. All life insurance rates are subject to change.

All premium quotes are for a $10,000 whole life insurance policy, with fixed premiums, guaranteed death benefit, and guaranteed cash value growth.

$10,000 Whole Life Insurance Rates ages 20-45

All whole life premiums shown below are fixed and will not increase.

AgeMaleFemale
20$14.82$13.70
25$15.84$14.75
30$17.38$16.18
35$19.52$17.97
40$21.96$19.98
45$25.24$22.59

$10,000 Whole Life Insurance Rates ages 50-59

All whole life rates shown below are fixed and will stay the same for your lifetime.

AgeLevel BenefitGraded BenefitGuaranteed Issue
50$27.92$36.90$44.09
51$29.12$38.83$47.39
52$33.52$40.75$50.42
53$34.25$42.94$53.26
54$34.97$45.12$55.36
55$35.70$47.30$56.90
56$35.95$49.21$58.55
57$37.54$51.22$60.01
58$39.04$52.31$61.31
59$41.84$54.22$62.21

$10,000 Whole Life Insurance Rates ages 60-69

All whole life quotes shown below are guaranteed to stay the same for your lifetime.

AgeLevel BenefitGraded BenefitGuaranteed Issue
60$43.68$56.11$63.17
61$44.26$58.92$67.54
62$46.32$60.81$71.94
63$48.64$62.71$76.16
64$51.23$64.61$80.21
65$53.82$66.91$84.15
66$56.82$70.21$87.63
67$59.85$75.01$90.66
68$63.20$79.71$93.49
69$66.26$82.90$95.98

$10,000 Whole Life Insurance Rates ages 70-79

All whole life insurance quotes shown below are guaranteed to stay the same for your lifetime.

AgesLevel BenefitGraded BenefitGuaranteed Issue
70$69.93$86.00$98.18
71$75.43$89.50$107.17
72$80.93$93.30$115.98
73$86.43$97.29$124.24
74$91.93$104.19$131.95
75$97.43$110.99$138.55
76$108.45$117.79$161.93
77$114.13$124.69$184.41
78$122.13$131.49$205.96
79$129.52$138.28$226.62

$10,000 Whole Life Insurance Rates ages 80-85

All whole life insurance rates shown below are fixed for life and will not increase.

AgesLevel BenefitGraded BenefitGuaranteed Issue
80$139.73$145.18$246.44
81$149.95$178.63$253.19
82$160.16$192.77$260.38
83$171.02$207.30$288.16
84$181.88$222.22$301.93
85$192.74$237.51$315.82

Level, Graded and Guaranteed Issue

There are three different categories of final expense insurance policies: level, graded and guaranteed issue.

Level Benefit

Level benefit life insurance is final expense insurance that pays out the full death benefit from day one the policy is placed in force. The full death benefit is paid out no matter if the death is due to natural causes or an accident.

Graded Benefit

Graded benefit life insurance is coverage that pays out a percentage of the death benefit in the first 2 or 3 years of the policy for natural causes.

For example, year one may pay out 50% of the death benefit and year two would pay out 75% of the death benefit, with the full death benefit being paid in year 3 onward.

Death due to an accident pays out 100% from the policy inception.

Guaranteed Issue

Guaranteed issue life insurance has a two or three year graded death benefit, where the policy will only provide a return of premium, plus a percentage on top, around 8-10% depending on the carrier.

So, if you have paid $50 premiums for a year and then you die, your beneficiary would receive the entire amount of premiums ($600) plus an additional 10% ($60) for a total death benefit payout of $660, minus any fees or costs.

Death due to an accident pays out 100% from the policy inception.

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