At IBUSA, we specialize in placing difficult cases. However, we also excel at placing easy cases and helping our clients get the best health ratings and lowest prices.
We have an intimate knowledge of the top companies in the marketplace, which allows us to pair our clients with the best companies based on each client’s unique needs, goals, and objectives.
In the following article, we’ve spent countless hours compiling the best life insurance rates from the top term and whole life insurance companies below.
The following quotes do not differentiate between exam and no medical exam life insurance. Still, many top companies offer accelerated underwriting life insurance that allows you to bypass a physical.
You can click a specific age group below or scroll down the page.
Table of Contents:
Best Term Life Insurance Rates
In the beginning, one thing to point out is that getting a “quote” and qualifying for that quote are two different things.
We at IBUSA do our best to give you a realistic picture of how much life insurance will cost rather than try to lure you in with promises of $10 monthly rates.
Below, we provide sample life insurance rates by age for both term and whole life insurance, starting with term life insurance.
Each sample term life insurance quote is for the best rate class from top-rated companies. Rates are for informational purposes only, are subject to change, and must be qualified for.
Best Life Insurance Rates for Ages 20-29
MaleFemale
Life Insurance In Your 20s
The following 20-29 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 21 | $9.77 | $14.02 | $18.32 | $19.57 |
| 22 | $9.77 | $14.02 | $18.32 | $19.57 |
| 23 | $9.77 | $14.02 | $18.32 | $19.57 |
| 24 | $9.77 | $14.02 | $18.32 | $19.57 |
| 25 | $9.77 | $14.02 | $18.32 | $19.57 |
| 26 | $9.77 | $14.02 | $18.32 | $19.57 |
| 27 | $9.77 | $14.02 | $18.32 | $19.57 |
| 28 | $9.77 | $14.02 | $18.32 | $19.57 |
| 29 | $9.77 | $14.02 | $18.32 | $19.57 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 21 | $10.19 | $14.76 | $18.97 | $22.66 |
| 22 | $10.19 | $14.76 | $18.97 | $22.66 |
| 23 | $10.19 | $14.76 | $18.97 | $22.66 |
| 24 | $10.19 | $14.76 | $18.97 | $22.66 |
| 25 | $10.19 | $14.76 | $18.97 | $22.66 |
| 26 | $10.19 | $14.76 | $18.97 | $22.66 |
| 27 | $10.19 | $14.76 | $18.97 | $22.66 |
| 28 | $10.35 | $14.76 | $18.97 | $22.66 |
| 29 | $10.35 | $14.76 | $18.97 | $22.66 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 21 | $12.51 | $18.97 | $25.88 | $30.96 |
| 22 | $12.51 | $18.97 | $25.88 | $30.96 |
| 23 | $12.51 | $18.97 | $25.88 | $30.96 |
| 24 | $12.51 | $18.97 | $25.88 | $30.96 |
| 25 | $12.51 | $18.97 | $25.88 | $30.96 |
| 26 | $12.53 | $18.97 | $25.88 | $30.96 |
| 27 | $12.53 | $19.00 | $25.92 | $30.96 |
| 28 | $12.58 | $19.09 | $26.06 | $31.45 |
| 29 | $12.68 | $19.28 | $26.10 | $31.46 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 21 | $15.91 | $24.56 | $34.26 | $42.45 |
| 22 | $15.91 | $24.56 | $34.26 | $42.45 |
| 23 | $15.91 | $24.56 | $34.26 | $42.45 |
| 24 | $15.91 | $24.56 | $34.26 | $42.45 |
| 25 | $15.91 | $24.56 | $34.26 | $42.45 |
| 26 | $15.91 | $24.56 | $34.26 | $42.45 |
| 27 | $15.97 | $24.72 | $34.49 | $42.68 |
| 28 | $16.09 | $25.02 | $34.95 | $43.15 |
| 29 | $16.27 | $25.51 | $35.69 | $43.91 |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 21 | $18.04 | $28.87 | $40.97 | $49.25 |
| 22 | $18.04 | $28.87 | $40.97 | $49.25 |
| 23 | $18.04 | $28.87 | $40.97 | $49.25 |
| 24 | $18.04 | $28.87 | $40.97 | $49.25 |
| 25 | $18.04 | $28.87 | $40.97 | $49.26 |
| 26 | $18.08 | $28.99 | $41.15 | $49.56 |
| 27 | $18.20 | $29.32 | $41.64 | $50.40 |
| 28 | $18.38 | $30.10 | $42.57 | $51.72 |
| 29 | $18.66 | $30.59 | $43.30 | $53.66 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 20s
The following 20-29 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 20 | $8.53 | $11.22 | $14.32 | $16.66 |
| 21 | $8.53 | $11.22 | $14.32 | $16.66 |
| 22 | $8.53 | $11.22 | $14.32 | $16.66 |
| 23 | $8.53 | $11.22 | $14.32 | $16.66 |
| 24 | $8.53 | $11.22 | $14.32 | $16.66 |
| 25 | $8.53 | $11.22 | $14.32 | $16.66 |
| 26 | $8.60 | $11.22 | $14.32 | $16.66 |
| 27 | $8.64 | $11.30 | $14.44 | $16.66 |
| 28 | $8.68 | $11.38 | $14.56 | $16.66 |
| 29 | $8.70 | $11.42 | $14.62 | $16.66 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 20 | $9.33 | $12.96 | $16.86 | $19.29 |
| 21 | $9.33 | $12.96 | $16.86 | $19.29 |
| 22 | $9.33 | $12.96 | $16.86 | $19.29 |
| 23 | $9.33 | $12.96 | $16.86 | $19.29 |
| 24 | $9.33 | $12.96 | $16.86 | $19.29 |
| 25 | $9.33 | $12.96 | $16.87 | $19.29 |
| 26 | $9.36 | $13.03 | $16.96 | $19.34 |
| 27 | $9.45 | $13.25 | $17.01 | $19.45 |
| 28 | $9.56 | $13.33 | $17.01 | $18.92 |
| 29 | $9.66 | $13.33 | $17.01 | $18.92 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 20 | $11.03 | $15.91 | $21.28 | $23.76 |
| 21 | $11.03 | $15.91 | $21.28 | $23.76 |
| 22 | $11.03 | $15.91 | $21.28 | $23.76 |
| 23 | $11.03 | $15.91 | $21.28 | $23.76 |
| 24 | $11.03 | $15.91 | $21.28 | $23.76 |
| 25 | $11.03 | $15.91 | $21.28 | $23.76 |
| 26 | $11.04 | $15.91 | $21.28 | $23.87 |
| 27 | $11.08 | $16.34 | $21.60 | $24.17 |
| 28 | $11.13 | $16.34 | $21.67 | $24.52 |
| 29 | $11.17 | $16.48 | $21.73 | $24.89 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 20 | $13.37 | $19.95 | $27.59 | $32.27 |
| 21 | $13.37 | $19.95 | $27.59 | $32.27 |
| 22 | $13.37 | $19.95 | $27.59 | $32.27 |
| 23 | $13.37 | $19.95 | $27.59 | $32.27 |
| 24 | $13.37 | $19.96 | $27.59 | $32.27 |
| 25 | $13.37 | $19.95 | $27.59 | $32.27 |
| 26 | $13.42 | $20.06 | $27.75 | $32.55 |
| 27 | $13.52 | $20.29 | $28.09 | $33.15 |
| 28 | $13.64 | $20.55 | $28.49 | $33.86 |
| 29 | $13.77 | $20.85 | $28.93 | $34.65 |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 20 | $14.97 | $22.50 | $31.42 | $37.37 |
| 21 | $14.97 | $22.51 | $31.42 | $37.37 |
| 22 | $14.97 | $22.51 | $31.42 | $37.37 |
| 23 | $14.97 | $22.51 | $31.42 | $37.37 |
| 24 | $14.97 | $22.51 | $31.42 | $37.37 |
| 25 | $14.97 | $22.93 | $32.06 | $38.22 |
| 26 | $15.09 | $23.25 | $32.54 | $38.86 |
| 27 | $15.30 | $23.80 | $33.37 | $39.96 |
| 28 | $15.53 | $24.40 | $34.02 | $41.19 |
| 29 | $15.78 | $25.07 | $35.03 | $42.53 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
Best Life Insurance Rates for Ages 30-39
MaleFemale
Life Insurance In Your 30s
The following 30-39 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $9.77 | $13.76 | $18.32 | $19.57 |
| 31 | $9.77 | $14.02 | $18.51 | $19.94 |
| 32 | $9.77 | $14.07 | $18.72 | $20.36 |
| 33 | $9.77 | $14.06 | $18.84 | $20.81 |
| 34 | $9.77 | $14.06 | $18.96 | $21.40 |
| 35 | $9.77 | $14.06 | $19.04 | $21.92 |
| 36 | $10.10 | $14.90 | $20.02 | $23.09 |
| 37 | $10.39 | $15.49 | $20.89 | $24.12 |
| 38 | $10.82 | $16.33 | $22.16 | $25.62 |
| 39 | $11.32 | $17.31 | $23.63 | $27.36 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $10.38 | $15.13 | $18.97 | $22.66 |
| 31 | $10.54 | $15.08 | $19.10 | $22.84 |
| 32 | $10.58 | $15.16 | $19.36 | $23.19 |
| 33 | $10.62 | $15.24 | $19.62 | $23.54 |
| 34 | $10.66 | $15.32 | $20.08 | $24.15 |
| 35 | $10.80 | $15.99 | $21.26 | $25.48 |
| 36 | $11.15 | $16.68 | $21.92 | $26.60 |
| 37 | $11.49 | $17.35 | $23.49 | $28.70 |
| 38 | $11.95 | $18.26 | $23.95 | $29.31 |
| 39 | $12.48 | $19.31 | $26.51 | $32.65 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $12.69 | $19.29 | $26.10 | $31.46 |
| 31 | $12.73 | $19.37 | $26.47 | $31.58 |
| 32 | $12.96 | $19.77 | $26.92 | $32.30 |
| 33 | $13.14 | $20.21 | $27.51 | $33.04 |
| 34 | $13.26 | $20.64 | $28.10 | $33.54 |
| 35 | $13.53 | $21.07 | $28.79 | $34.40 |
| 36 | $14.12 | $22.41 | $30.64 | $37.11 |
| 37 | $14.72 | $23.55 | $32.13 | $39.33 |
| 38 | $15.74 | $25.13 | $34.39 | $42.40 |
| 39 | $15.86 | $25.42 | $34.69 | $44.16 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $16.34 | $25.68 | $35.94 | $44.16 |
| 31 | $16.47 | $26.00 | $36.43 | $44.84 |
| 32 | $16.82 | $26.83 | $37.66 | $46.57 |
| 33 | $17.18 | $27.66 | $38.91 | $48.32 |
| 34 | $17.61 | $28.69 | $40.45 | $50.49 |
| 35 | $18.05 | $29.71 | $41.99 | $52.27 |
| 36 | $18.98 | $31.58 | $44.80 | $56.39 |
| 37 | $19.94 | $33.49 | $47.65 | $60.19 |
| 38 | $21.24 | $36.09 | $51.56 | $65.42 |
| 39 | $22.73 | $39.08 | $56.04 | $71.39 |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $18.77 | $30.92 | $43.80 | $54.50 |
| 31 | $19.01 | $31.36 | $44.46 | $55.38 |
| 32 | $19.53 | $32.32 | $45.91 | $57.26 |
| 33 | $20.07 | $33.34 | $47.44 | $59.28 |
| 34 | $20.74 | $34.59 | $49.31 | $61.74 |
| 35 | $21.43 | $35.88 | $51.24 | $64.26 |
| 36 | $22.53 | $38.10 | $54.57 | $68.70 |
| 37 | $23.66 | $40.39 | $58.01 | $73.27 |
| 38 | $25.12 | $43.36 | $62.70 | $79.18 |
| 39 | $26.79 | $46.73 | $67.76 | $85.91 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 30s
The following 30-39 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $8.71 | $11.44 | $14.65 | $16.66 |
| 31 | $8.80 | $11.62 | $15.50 | $17.09 |
| 32 | $8.84 | $11.70 | $16.13 | $17.57 |
| 33 | $8.90 | $11.80 | $16.54 | $18.07 |
| 34 | $8.94 | $11.88 | $16.86 | $18.75 |
| 35 | $8.98 | $11.96 | $17.15 | $19.35 |
| 36 | $9.31 | $12.62 | $18.08 | $20.48 |
| 37 | $9.66 | $13.32 | $19.20 | $21.59 |
| 38 | $10.03 | $14.06 | $20.12 | $22.40 |
| 39 | $10.43 | $14.86 | $21.54 | $24.43 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $9.68 | $13.33 | $17.01 | $18.92 |
| 31 | $9.68 | $13.76 | $17.47 | $19.78 |
| 32 | $9.88 | $13.76 | $17.73 | $19.78 |
| 33 | $9.89 | $14.19 | $18.38 | $20.64 |
| 34 | $9.96 | $14.19 | $18.91 | $20.64 |
| 35 | $10.02 | $14.62 | $19.40 | $21.50 |
| 36 | $10.02 | $15.48 | $20.55 | $24.08 |
| 37 | $10.66 | $16.72 | $21.67 | $26.66 |
| 38 | $11.43 | $17.63 | $22.98 | $28.38 |
| 39 | $12.21 | $18.78 | $25.03 | $30.96 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $11.24 | $16.51 | $21.77 | $25.38 |
| 31 | $11.39 | $16.76 | $22.13 | $26.14 |
| 32 | $11.50 | $17.07 | $22.55 | $26.66 |
| 33 | $11.59 | $17.20 | $23.01 | $27.52 |
| 34 | $11.67 | $17.63 | $23.54 | $27.52 |
| 35 | $11.82 | $17.63 | $24.00 | $28.38 |
| 36 | $12.34 | $18.92 | $25.90 | $30.96 |
| 37 | $12.99 | $19.93 | $26.75 | $33.54 |
| 38 | $13.35 | $20.40 | $27.45 | $34.50 |
| 39 | $14.01 | $21.72 | $29.43 | $37.14 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $13.94 | $21.23 | $29.51 | $35.67 |
| 31 | $14.24 | $21.82 | $30.39 | $36.98 |
| 32 | $14.62 | $22.54 | $31.48 | $38.59 |
| 33 | $15.01 | $23.28 | $32.58 | $40.21 |
| 34 | $15.43 | $24.10 | $33.81 | $42.03 |
| 35 | $15.92 | $25.05 | $35.24 | $44.15 |
| 36 | $16.69 | $26.66 | $37.65 | $47.21 |
| 37 | $17.51 | $28.38 | $40.23 | $50.51 |
| 38 | $18.44 | $30.31 | $42.89 | $54.22 |
| 39 | $19.39 | $32.31 | $45.88 | $58.03 |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 30 | $16.10 | $25.89 | $36.25 | $42.88 |
| 31 | $16.46 | $26.56 | $37.27 | $45.55 |
| 32 | $16.90 | $27.38 | $38.49 | $47.24 |
| 33 | $17.36 | $28.23 | $39.76 | $48.99 |
| 34 | $17.87 | $29.17 | $41.17 | $50.95 |
| 35 | $18.46 | $30.26 | $42.81 | $53.20 |
| 36 | $19.34 | $32.09 | $45.55 | $57.02 |
| 37 | $20.29 | $34.06 | $48.96 | $61.12 |
| 38 | $21.34 | $36.24 | $51.78 | $65.67 |
| 39 | $22.44 | $38.51 | $55.18 | $70.40 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
Best Life Insurance Rates for Ages 40-49
MaleFemale
Life Insurance In Your 40s
The following 40-49 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $11.89 | $18.43 | $25.31 | $29.23 |
| 41 | $12.81 | $20.25 | $28.04 | $32.11 |
| 42 | $13.80 | $21.83 | $30.77 | $34.74 |
| 43 | $14.84 | $24.06 | $33.12 | $38.76 |
| 44 | $15.69 | $25.38 | $35.15 | $43.01 |
| 45 | $16.81 | $27.62 | $38.92 | $46.88 |
| 46 | $18.30 | $30.60 | $43.20 | $51.05 |
| 47 | $19.55 | $33.07 | $47.11 | $55.59 |
| 48 | $20.95 | $35.84 | $51.20 | $60.66 |
| 49 | $22.49 | $38.88 | $54.28 | $66.25 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $13.08 | $20.49 | $28.40 | $35.19 |
| 41 | $14.58 | $23.36 | $31.43 | $39.29 |
| 42 | $16.10 | $26.27 | $36.03 | $45.41 |
| 43 | $17.75 | $29.45 | $41.21 | $52.33 |
| 44 | $19.54 | $32.87 | $46.97 | $59.02 |
| 45 | $21.52 | $36.65 | $52.63 | $66.29 |
| 46 | $23.14 | $39.81 | $57.38 | $72.48 |
| 47 | $24.96 | $43.33 | $62.66 | $79.37 |
| 48 | $26.61 | $47.19 | $67.33 | $84.56 |
| 49 | $29.03 | $51.25 | $74.53 | $94.85 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $17.03 | $27.76 | $38.17 | $48.80 |
| 41 | $18.59 | $30.88 | $42.80 | $54.97 |
| 42 | $20.50 | $34.70 | $48.48 | $62.54 |
| 43 | $22.76 | $39.09 | $55.20 | $71.50 |
| 44 | $24.87 | $43.16 | $62.16 | $79.14 |
| 45 | $26.84 | $47.21 | $68.23 | $87.49 |
| 46 | $28.96 | $51.35 | $74.44 | $95.87 |
| 47 | $31.27 | $55.83 | $81.17 | $104.71 |
| 48 | $33.76 | $60.70 | $88.46 | $114.81 |
| 49 | $36.42 | $65.88 | $96.24 | $125.30 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $24.41 | $42.45 | $61.09 | $78.12 |
| 41 | $26.77 | $46.88 | $67.71 | $86.65 |
| 42 | $29.19 | $51.32 | $74.38 | $95.39 |
| 43 | $31.77 | $56.26 | $81.78 | $104.75 |
| 44 | $34.53 | $61.43 | $89.55 | $114.74 |
| 45 | $37.58 | $67.15 | $98.12 | $125.78 |
| 46 | $41.01 | $73.22 | $107.23 | $137.43 |
| 47 | $44.86 | $80.02 | $117.43 | $150.52 |
| 48 | $49.13 | $87.58 | $128.77 | $165.07 |
| 49 | $53.78 | $95.82 | $141.12 | $180.95 |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $28.66 | $50.52 | $73.45 | $93.49 |
| 41 | $31.17 | $55.33 | $80.65 | $103.08 |
| 42 | $33.82 | $60.40 | $88.26 | $113.21 |
| 43 | $36.73 | $66.60 | $97.32 | $124.39 |
| 44 | $39.92 | $72.67 | $106.42 | $136.64 |
| 45 | $44.03 | $78.98 | $116.14 | $150.44 |
| 46 | $47.51 | $86.89 | $127.75 | $165.38 |
| 47 | $52.02 | $95.44 | $140.57 | $182.22 |
| 48 | $57.06 | $106.58 | $155.46 | $201.07 |
| 49 | $62.57 | $115.88 | $171.02 | $221.77 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 40s
The following 40-49 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $10.86 | $15.72 | $22.50 | $26.51 |
| 41 | $11.58 | $17.16 | $24.50 | $28.96 |
| 42 | $12.37 | $18.74 | $25.75 | $31.33 |
| 43 | $13.24 | $20.48 | $28.44 | $34.08 |
| 44 | $14.19 | $22.38 | $30.83 | $37.38 |
| 45 | $15.15 | $24.30 | $33.92 | $41.14 |
| 46 | $16.17 | $25.88 | $36.49 | $43.44 |
| 47 | $17.07 | $27.53 | $38.96 | $46.50 |
| 48 | $18.08 | $29.36 | $41.70 | $49.90 |
| 49 | $19.29 | $31.56 | $45.00 | $53.98 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $12.67 | $19.78 | $26.60 | $33.37 |
| 41 | $13.55 | $21.50 | $28.53 | $35.93 |
| 42 | $14.53 | $23.00 | $30.89 | $39.08 |
| 43 | $15.20 | $24.54 | $33.47 | $42.93 |
| 44 | $16.36 | $26.32 | $36.75 | $46.44 |
| 45 | $17.42 | $28.38 | $39.97 | $49.88 |
| 46 | $18.40 | $30.16 | $42.90 | $54.93 |
| 47 | $19.40 | $32.41 | $46.28 | $59.22 |
| 48 | $21.11 | $34.92 | $50.04 | $63.98 |
| 49 | $22.46 | $37.69 | $54.20 | $69.27 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $15.27 | $24.48 | $33.58 | $42.14 |
| 41 | $16.50 | $26.77 | $37.00 | $46.46 |
| 42 | $17.62 | $29.15 | $40.84 | $50.90 |
| 43 | $18.87 | $31.47 | $45.12 | $57.28 |
| 44 | $20.18 | $34.00 | $49.44 | $61.05 |
| 45 | $21.69 | $36.91 | $53.03 | $67.15 |
| 46 | $23.04 | $39.62 | $57.09 | $72.11 |
| 47 | $24.65 | $42.83 | $61.91 | $78.01 |
| 48 | $26.41 | $46.33 | $67.16 | $84.44 |
| 49 | $28.32 | $50.16 | $72.89 | $91.45 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $20.38 | $34.38 | $48.99 | $61.99 |
| 41 | $21.91 | $37.22 | $53.26 | $67.68 |
| 42 | $23.56 | $40.31 | $57.88 | $73.83 |
| 43 | $25.34 | $43.62 | $62.84 | $80.43 |
| 44 | $27.28 | $47.23 | $68.26 | $87.65 |
| 45 | $29.51 | $51.38 | $74.75 | $95.95 |
| 46 | $31.89 | $55.69 | $80.96 | $104.05 |
| 47 | $34.72 | $60.85 | $88.69 | $113.73 |
| 48 | $37.55 | $66.59 | $97.31 | $124.53 |
| 49 | $40.52 | $73.04 | $106.98 | $135.81 |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 40 | $23.59 | $41.39 | $59.50 | $75.38 |
| 41 | $25.25 | $44.04 | $63.48 | $81.78 |
| 42 | $27.09 | $47.51 | $68.69 | $88.86 |
| 43 | $29.12 | $51.35 | $74.69 | $96.66 |
| 44 | $31.38 | $55.62 | $81.09 | $105.40 |
| 45 | $34.01 | $60.60 | $88.56 | $115.59 |
| 46 | $36.66 | $65.53 | $95.96 | $124.90 |
| 47 | $39.82 | $71.94 | $104.76 | $136.00 |
| 48 | $43.41 | $78.06 | $114.75 | $148.61 |
| 49 | $47.46 | $85.59 | $126.05 | $159.78 |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
Best Life Insurance Rates for Ages 50-59
MaleFemale
Life Insurance In Your 50s
The following 50-59 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $24.17 | $42.22 | $59.38 | $72.38 |
| 51 | $26.34 | $46.53 | $67.26 | $81.26 |
| 52 | $28.67 | $51.19 | $74.45 | $90.87 |
| 53 | $31.36 | $56.55 | $82.49 | $101.92 |
| 54 | $34.39 | $63.33 | $91.55 | $113.77 |
| 55 | $37.34 | $68.49 | $100.40 | $126.56 |
| 56 | $40.64 | $74.85 | $109.93 | $139.05 |
| 57 | $44.46 | $82.22 | $120.99 | $153.54 |
| 58 | $49.06 | $91.09 | $134.29 | $170.30 |
| 59 | $54.03 | $100.66 | $148.65 | $189.81 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $31.26 | $55.58 | $81.03 | $103.33 |
| 51 | $33.67 | $60.15 | $87.88 | $112.71 |
| 52 | $36.33 | $65.17 | $95.42 | $123.02 |
| 53 | $39.41 | $71.02 | $104.19 | $135.02 |
| 54 | $43.07 | $77.94 | $114.57 | $149.21 |
| 55 | $47.00 | $85.36 | $125.70 | $164.45 |
| 56 | $51.59 | $93.97 | $138.61 | $181.58 |
| 57 | $56.87 | $103.87 | $153.46 | $201.31 |
| 58 | $63.22 | $115.74 | $171.27 | $224.81 |
| 59 | $69.96 | $128.81 | $190.88 | $250.74 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $39.33 | $71.54 | $104.73 | $135.88 |
| 51 | $42.47 | $77.67 | $113.92 | $148.75 |
| 52 | $46.14 | $84.83 | $124.67 | $162.76 |
| 53 | $50.52 | $93.38 | $137.49 | $179.49 |
| 54 | $55.72 | $103.54 | $152.99 | $199.44 |
| 55 | $61.49 | $114.82 | $169.65 | $221.63 |
| 56 | $68.10 | $127.22 | $188.25 | $245.95 |
| 57 | $75.71 | $141.53 | $209.72 | $274.07 |
| 58 | $84.82 | $158.68 | $235.68 | $307.81 |
| 59 | $95.01 | $177.85 | $264.44 | $345.63 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $57.68 | $104.93 | $154.82 | $198.58 |
| 51 | $64.77 | $117.00 | $172.93 | $221.60 |
| 52 | $71.56 | $131.00 | $193.19 | $248.33 |
| 53 | $79.61 | $147.60 | $218.82 | $280.06 |
| 54 | $89.34 | $167.70 | $248.97 | $318.53 |
| 55 | $100.20 | $190.15 | $282.65 | $361.61 |
| 56 | $115.47 | $220.00 | $327.42 | $415.71 |
| 57 | $131.36 | $250.57 | $373.28 | $470.77 |
| 58 | $149.54 | $283.33 | $426.84 | $538.80 |
| 59 | $170.33 | $326.67 | $487.44 | $610.05 |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $68.68 | $127.73 | $189.26 | $244.79 |
| 51 | $76.19 | $142.45 | $211.33 | $274.46 |
| 52 | $84.90 | $159.52 | $236.95 | $308.98 |
| 53 | $95.18 | $179.70 | $266.96 | $349.89 |
| 54 | $107.66 | $204.21 | $303.74 | $399.74 |
| 55 | $121.93 | $232.31 | $345.89 | $457.14 |
| 56 | $150.50 | $272.62 | $407.64 | $537.50 |
| 57 | $168.99 | $305.73 | $457.31 | $603.72 |
| 58 | $190.92 | $345.72 | $517.29 | $683.70 |
| 59 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 50s
The following 50-59 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $20.78 | $34.27 | $49.07 | $59.02 |
| 51 | $22.26 | $37.32 | $53.36 | $65.65 |
| 52 | $23.85 | $40.22 | $57.19 | $72.00 |
| 53 | $25.46 | $43.34 | $62.67 | $78.80 |
| 54 | $27.09 | $46.49 | $67.40 | $85.66 |
| 55 | $28.75 | $49.71 | $72.23 | $92.69 |
| 56 | $30.86 | $53.67 | $78.17 | $100.05 |
| 57 | $33.12 | $57.91 | $84.53 | $107.93 |
| 58 | $35.70 | $62.73 | $91.03 | $115.90 |
| 59 | $38.46 | $67.92 | $99.32 | $126.54 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $23.95 | $40.80 | $58.85 | $75.18 |
| 51 | $25.73 | $44.18 | $63.81 | $81.66 |
| 52 | $27.48 | $47.47 | $68.66 | $88.06 |
| 53 | $29.35 | $51.04 | $74.01 | $94.86 |
| 54 | $31.37 | $54.91 | $79.88 | $102.21 |
| 55 | $33.52 | $59.01 | $86.18 | $110.06 |
| 56 | $36.42 | $64.15 | $93.88 | $120.28 |
| 57 | $39.63 | $69.85 | $102.43 | $131.65 |
| 58 | $43.57 | $76.82 | $112.89 | $145.58 |
| 59 | $48.18 | $85.01 | $125.18 | $162.00 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $30.44 | $54.39 | $79.25 | $98.04 |
| 51 | $32.84 | $59.12 | $86.34 | $108.78 |
| 52 | $35.34 | $64.05 | $93.74 | $118.75 |
| 53 | $38.23 | $69.75 | $102.29 | $130.29 |
| 54 | $41.54 | $76.29 | $112.10 | $143.57 |
| 55 | $45.33 | $83.77 | $123.32 | $158.79 |
| 56 | $49.71 | $91.41 | $134.77 | $173.51 |
| 57 | $54.63 | $99.99 | $147.64 | $190.09 |
| 58 | $60.70 | $110.59 | $163.55 | $210.60 |
| 59 | $67.78 | $122.97 | $182.12 | $234.61 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $43.75 | $79.66 | $116.94 | $147.60 |
| 51 | $48.52 | $89.01 | $130.94 | $165.38 |
| 52 | $53.87 | $98.40 | $145.02 | $184.64 |
| 53 | $59.89 | $109.41 | $161.53 | $205.55 |
| 54 | $66.64 | $122.06 | $180.51 | $229.64 |
| 55 | $74.23 | $136.64 | $202.39 | $257.46 |
| 56 | $83.19 | $156.81 | $232.63 | $295.20 |
| 57 | $93.32 | $176.31 | $261.89 | $333.22 |
| 58 | $104.75 | $200.13 | $297.64 | $378.83 |
| 59 | $117.67 | $225.57 | $335.81 | $428.76 |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 50 | $52.10 | $94.24 | $139.03 | $179.34 |
| 51 | $57.99 | $105.12 | $155.34 | $201.56 |
| 52 | $64.58 | $117.29 | $173.60 | $226.53 |
| 53 | $72.28 | $131.55 | $194.99 | $255.89 |
| 54 | $81.29 | $148.26 | $220.05 | $290.43 |
| 55 | $91.56 | $167.33 | $248.66 | $329.99 |
| 56 | $110.30 | $205.97 | $307.67 | $389.58 |
| 57 | $124.70 | $233.06 | $348.30 | $441.18 |
| 58 | $138.89 | $260.15 | $388.94 | $492.78 |
| 59 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
Best Life Insurance Rates for Ages 60-69
MaleFemale
Life Insurance In Your 60s
The following 60-69 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | $59.11 | $110.46 | $163.36 | $209.09 |
| 61 | $65.86 | $123.33 | $182.65 | $233.24 |
| 62 | $73.15 | $137.20 | $203.46 | $259.28 |
| 63 | $81.62 | $152.56 | $226.27 | $289.59 |
| 64 | $91.39 | $171.69 | $254.95 | $324.54 |
| 65 | $99.97 | $193.76 | $287.66 | $365.49 |
| 66 | $114.28 | $213.34 | $317.43 | $400.49 |
| 67 | $127.47 | $234.46 | $349.11 | $440.80 |
| 68 | $142.50 | $263.72 | $393.00 | $486.72 |
| 69 | $160.59 | $295.64 | $440.88 | $544.20 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | $77.74 | $143.00 | $212.16 | $279.64 |
| 61 | $87.25 | $161.96 | $240.60 | $311.51 |
| 62 | $97.40 | $182.20 | $270.96 | $346.36 |
| 63 | $109.08 | $205.53 | $305.95 | $388.48 |
| 64 | $122.03 | $231.37 | $344.71 | $433.52 |
| 65 | $137.28 | $261.81 | $390.38 | $486.61 |
| 66 | $152.15 | $290.32 | $433.14 | $543.77 |
| 67 | $170.46 | $325.46 | $485.85 | $614.51 |
| 68 | $192.85 | $368.47 | $550.37 | $701.39 |
| 69 | $220.17 | $421.08 | $629.28 | $808.04 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | $106.25 | $199.07 | $296.26 | $387.60 |
| 61 | $120.51 | $227.21 | $338.47 | $441.01 |
| 62 | $136.30 | $258.44 | $385.32 | $500.52 |
| 63 | $154.20 | $293.90 | $438.27 | $568.32 |
| 64 | $174.23 | $335.73 | $501.02 | $648.61 |
| 65 | $199.96 | $384.70 | $574.46 | $742.87 |
| 66 | $237.67 | $453.08 | $677.05 | $866.59 |
| 67 | $272.04 | $515.95 | $771.35 | $1,000.78 |
| 68 | $314.50 | $599.28 | $895.62 | $1,144.83 |
| 69 | $358.98 | $642.84 | $1,044.38 | $1,339.99 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | $194.12 | $372.85 | $556.69 | $691.03 |
| 61 | $230.27 | $438.37 | $654.82 | $782.21 |
| 62 | $257.57 | $492.35 | $737.24 | $880.95 |
| 63 | $283.59 | $543.52 | $813.99 | $1,002.92 |
| 64 | $309.39 | $595.12 | $891.39 | $1,158.42 |
| 65 | $349.38 | $668.65 | $1,001.69 | $1,299.46 |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | N/A | N/A | N/A | N/A |
| 61 | N/A | N/A | N/A | N/A |
| 62 | N/A | N/A | N/A | N/A |
| 63 | N/A | N/A | N/A | N/A |
| 64 | N/A | N/A | N/A | N/A |
| 65 | N/A | N/A | N/A | N/A |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 60s
The following 60-69 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | $41.50 | $73.62 | $108.09 | $137.13 |
| 61 | $44.69 | $79.85 | $117.44 | $148.20 |
| 62 | $48.40 | $87.10 | $128.31 | $161.06 |
| 63 | $53.32 | $96.70 | $142.72 | $178.12 |
| 64 | $59.17 | $108.12 | $159.85 | $198.40 |
| 65 | $66.25 | $121.96 | $180.61 | $222.97 |
| 66 | $72.52 | $133.07 | $197.26 | $243.46 |
| 67 | $79.81 | $149.58 | $216.63 | $267.27 |
| 68 | $88.60 | $161.56 | $240.00 | $296.01 |
| 69 | $98.71 | $179.47 | $266.87 | $329.08 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | $53.55 | $94.71 | $139.73 | $181.46 |
| 61 | $58.48 | $104.25 | $154.03 | $198.15 |
| 62 | $64.17 | $115.45 | $170.84 | $217.76 |
| 63 | $71.35 | $129.60 | $192.07 | $242.54 |
| 64 | $79.47 | $145.60 | $216.06 | $270.59 |
| 65 | $89.03 | $164.47 | $243.03 | $303.68 |
| 66 | $98.51 | $183.28 | $272.58 | $342.11 |
| 67 | $109.50 | $205.14 | $305.37 | $386.94 |
| 68 | $122.65 | $229.24 | $341.00 | $440.76 |
| 69 | $138.28 | $254.76 | $379.28 | $496.76 |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | $76.13 | $137.57 | $204.02 | $262.98 |
| 61 | $84.19 | $154.17 | $228.91 | $293.95 |
| 62 | $93.65 | $173.69 | $258.19 | $329.18 |
| 63 | $105.20 | $197.54 | $293.96 | $373.09 |
| 64 | $118.64 | $225.32 | $335.64 | $424.40 |
| 65 | $134.08 | $257.27 | $383.57 | $483.61 |
| 66 | $182.74 | $332.01 | $467.03 | $608.56 |
| 67 | $220.36 | $408.40 | $532.00 | $691.69 |
| 68 | $252.98 | $494.84 | $598.94 | $776.56 |
| 69 | $287.73 | $565.12 | $843.74 | $984.24 |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | $132.26 | $254.33 | $378.91 | $485.34 |
| 61 | $178.18 | $316.31 | $471.73 | $603.54 |
| 62 | $201.97 | $356.48 | $531.98 | $679.55 |
| 63 | $231.35 | $406.09 | $606.40 | $762.90 |
| 64 | $254.35 | $491.87 | $735.68 | $979.49 |
| 65 | $279.72 | $548.20 | $820.17 | $1,079.30 |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 60 | N/A | N/A | N/A | N/A |
| 61 | N/A | N/A | N/A | N/A |
| 62 | N/A | N/A | N/A | N/A |
| 63 | N/A | N/A | N/A | N/A |
| 64 | N/A | N/A | N/A | N/A |
| 65 | N/A | N/A | N/A | N/A |
| 66 | N/A | N/A | N/A | N/A |
| 67 | N/A | N/A | N/A | N/A |
| 68 | N/A | N/A | N/A | N/A |
| 69 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
Best Life Insurance Rates for Ages 70-79
MaleFemale
Life Insurance In Your 70s
The following 70-79 year old sample quotes are based on a male qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | $178.86 | $327.89 | $489.50 | $597.95 |
| 71 | $198.97 | $366.15 | $546.64 | $673.70 |
| 72 | $223.83 | $413.47 | $619.03 | $767.39 |
| 73 | $252.79 | $473.07 | $707.26 | $885.43 |
| 74 | $292.33 | $549.02 | $821.19 | $1,035.90 |
| 75 | $336.66 | $638.76 | $955.81 | $1,213.79 |
| 76 | $393.53 | $772.74 | $1,156.56 | $1,485.31 |
| 77 | $450.41 | $894.69 | $1,370.52 | $1,736.00 |
| 78 | $507.06 | $1,008.00 | $1,508.94 | $1,942.50 |
| 79 | $563.94 | $1,121.75 | $1,679.56 | $2,149.00 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | $251.59 | $481.70 | $719.95 | $931.69 |
| 71 | $307.68 | $595.13 | $890.09 | $1,161.34 |
| 72 | $367.16 | $705.97 | $1,056.38 | $1,384.00 |
| 73 | $432.86 | $858.49 | $1,285.15 | $1,689.97 |
| 74 | $519.12 | $1,031.34 | $1,544.42 | $2,057.72 |
| 75 | $620.49 | $1,223.63 | $1,863.62 | $2,338.34 |
| 76 | $733.80 | $1,448.24 | $2,171.07 | $2,754.58 |
| 77 | $840.44 | $1,659.80 | $2,488.41 | $3,157.92 |
| 78 | $981.26 | $1,938.87 | $2,907.02 | $3,691.12 |
| 79 | N/A | N/A | N/A | N/A |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | $409.53 | $799.86 | $1,197.22 | $1,537.27 |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Life Insurance In Your 70s
The following 70-79 year old sample quotes are based on a female qualifying at the top rate class.
10 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | $109.97 | $198.74 | $296.77 | $365.91 |
| 71 | $126.83 | $233.96 | $348.60 | $430.41 |
| 72 | $145.51 | $272.23 | $406.01 | $501.89 |
| 73 | $166.11 | $314.47 | $469.36 | $580.80 |
| 74 | $189.59 | $362.58 | $541.53 | $670.71 |
| 75 | $216.30 | $417.34 | $623.67 | $773.06 |
| 76 | $271.90 | $530.72 | $793.53 | $971.37 |
| 77 | $333.20 | $648.72 | $970.53 | $1,188.12 |
| 78 | $384.13 | $762.13 | $1,140.13 | $1,453.50 |
| 79 | $435.97 | $865.81 | $1,295.66 | $1,708.00 |
15 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | $155.87 | $283.36 | $422.18 | $561.88 |
| 71 | $195.48 | $376.13 | $561.65 | $695.50 |
| 72 | $231.39 | $452.56 | $676.28 | $837.15 |
| 73 | $279.31 | $544.77 | $814.61 | $1,007.93 |
| 74 | $339.17 | $656.05 | $981.53 | $1,163.86 |
| 75 | $390.38 | $770.76 | $1,153.59 | $1,396.85 |
| 76 | $529.12 | $1,008.35 | $1,511.24 | $1,924.68 |
| 77 | $612.97 | $1,169.60 | $1,753.11 | $2,241.16 |
| 78 | $711.87 | $1,362.24 | $2,042.07 | $2,612.68 |
| 79 | N/A | N/A | N/A | N/A |
20 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | $349.13 | $644.14 | $962.26 | $1,129.88 |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
25 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
30 Year Term
| FACE VALUE |
$250,000 |
$500,000 |
$750,000 |
$1,000,000 |
| 70 | N/A | N/A | N/A | N/A |
| 71 | N/A | N/A | N/A | N/A |
| 72 | N/A | N/A | N/A | N/A |
| 73 | N/A | N/A | N/A | N/A |
| 74 | N/A | N/A | N/A | N/A |
| 75 | N/A | N/A | N/A | N/A |
| 76 | N/A | N/A | N/A | N/A |
| 77 | N/A | N/A | N/A | N/A |
| 78 | N/A | N/A | N/A | N/A |
| 79 | N/A | N/A | N/A | N/A |
All sample quotes are based on a monthly premium as of 03/01/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
Best 40-Year Term Life Insurance Rates
MaleFemale
Best 40 Year Term Life Insurance Rates for Men
The following sample term life insurance quotes are based on a preferred plus male wanting ordinary term life insurance with an A- rated insurance company or better. Monthly Rates are for informational purposes only and must be qualified for.
| Age | 250,000 | 500,000 | 1,000,000 |
|---|
| 20 | $25.23 | $42.80 | $71.97 |
| 25 | $25.23 | $42.80 | $71.97 |
| 30 | $28.67 | $52.18 | $102.57 |
| 35 | $34.83 | $64.49 | $135.94 |
| 40 | $61.58 | $114.14 | $222.63 |
| 45 | $97.08 | $188.99 | $370.06 |
All sample quotes are based on a monthly premium as of 05/20/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Best 40 Year Term Life Insurance Rates for Women
The following sample term life insurance quotes are based on a preferred plus female wanting ordinary term life insurance with an A- rated insurance company or better. Monthly Rates are for informational purposes only and must be qualified for.
| Age | 250,000 | 500,000 | 1,000,000 |
|---|
| 20 | $20.58 | $33.98 | $57.12 |
| 25 | $20.58 | $33.98 | $57.12 |
| 30 | $22.61 | $38.48 | $72.63 |
| 35 | $28.95 | $52.74 | $93.12 |
| 40 | $48.96 | $91.26 | $176.84 |
| 45 | $77.71 | $145.15 | $288.87 |
All sample quotes are based on a monthly premium as of 05/20/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
How Long of a Term Do I Need?
In 2021, you can get as little as one year of annual renewable or five-year term life insurance and up to a 35- or 40-year term life insurance policy.
Only a handful of companies offer 35- or 40-year terms, but if those companies succeed, we imagine more companies will follow.
Some factors to consider
Various factors must be considered when determining the length of a term period.
For example, someone looking to secure a small business loan with life insurance as collateral will probably be okay with a 10-year term.
However, a new father or mother might want a 20-year term policy to ensure coverage until their newborn reaches adulthood. For most new parents, having coverage in pl each child reaches independence is a great idea.
Also, new homeowners do well with a 30-year term life because it matches the 30-year mortgage they just took out.
You might want to lock into a level-term life insurance policy for as long as possible, in which case a 40-year term life insurance policy will be the best option.
Alternatively, if term life insurance is not the right choice, you might consider whole life insurance.
Whole Life Insurance Rates By Age
The following whole life insurance rates are from A-rated companies and higher. All quotes are for a preferred plus rate class, are subject to change, and must be qualified.
$250,000, $500,000, $1,000,000 Whole Life Insurance Rates by Age
MaleFemale
Whole Life Insurance Rates By Age for Men
The following whole life insurance rates for men are from A- rated companies and higher. All quotes are for a preferred plus rate class, are subject to change, and must be qualified for.
| Age | $250,000 | $500,000 | $1,000,000 |
|---|
| 20 | $132 | $293 | $580 |
| 25 | $156 | $347 | $689 |
| 30 | $188 | $422 | $839 |
| 35 | $230 | $522 | $1,038 |
| 40 | $278 | $639 | $1,273 |
| 45 | $350 | $788 | $1,571 |
| 50 | $429 | $982 | $1,959 |
| 55 | $549 | $1,239 | $2,472 |
| 60 | $700 | $1,582 | $3,158 |
| 65 | $1,019 | $2,060 | $4,114 |
| 70 | $1,359 | $2,835 | $5,664 |
| 75 | $1,868 | $3,964 | $7,922 |
| 80 | $2,801 | $5,541 | $11,076 |
All sample quotes are based on a monthly premium as of 05/27/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Whole Life Insurance Rates By Age for Women
The following whole life insurance rates for women are from A- rated companies and higher. All quotes are for a preferred plus rate class, are subject to change, and must be qualified for.
| Age | $250,000 | $500,000 | $1,000,000 |
|---|
| 20 | $132 | $255 | $504 |
| 25 | $156 | $304 | $602 |
| 30 | $188 | $368 | $729 |
| 35 | $230 | $450 | $894 |
| 40 | $278 | $543 | $1,081 |
| 45 | $349 | $685 | $1,364 |
| 50 | $429 | $843 | $1,681 |
| 55 | $549 | $1,082 | $2,158 |
| 60 | $700 | $1,381 | $2,756 |
| 65 | $912 | $1,800 | $3,595 |
| 70 | $1,255 | $2,479 | $4,952 |
| 75 | $1,788 | $3,534 | $7,062 |
| 80 | $2,428 | $4,801 | $9,597 |
All sample quotes are based on a monthly premium as of 05/27/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.
How Is My Life Insurance Rate Determined?
Apart from small whole life insurance policies used primarily for final expense insurance, life insurance companies offer the best life insurance rates to applicants who pass a health screening, often accompanied by a medical exam.
You can qualify for various health ratings, such as:
- Preferred Best
- Preferred
- Standard Plus
- Standard
- Substandard (Table Rated)
- Preferred Tobacco
- Standard Tobacco
If you have a pre-existing condition, you can check out our pre-existing conditions page to determine what health rate class you may qualify for.
In addition to looking closely at your health, life insurance companies perform background checks on every applicant.
Background checks may include:
- Attending Physician Statement (APS)
- Medical Information Bureau (MIB)
- Prescription Database
- Motor Vehicle Records (MVR)
- Credit Report (looking for a recent bankruptcy)
Your Occupation and Hobbies
Your occupation and hobbies also weigh heavily on what rate class you receive (or if you will even be approved). Certain dangerous occupations and hobbies will automatically disqualify you, while other jobs and hobbies might drop you a life insurance rating or two.
An example of dangerous hobbies are:
- Motorcross
- Rock Climbing
- Sky Diving
- Scuba Diving to depths of 100 feet
And some dangerous jobs are:
- Logger
- Deep Sea Fisherman
- Underwater Welder
- Some Law Enforcement Positions, such as SWAT teams
Finding and securing the best life insurance rates requires extensive research. The key is working with an agency that represents many of the top companies in the USA.
So, if you are shopping for term life and want to make sure you find the best rates based on your unique health and lifestyle, give our team at IBUSA a call today. You’ll be glad you did.
