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Best Term Life Insurance Rates By Age with Charts [2020 Update]

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term life insurance rates by age

We’ve compiled the best life insurance rates from the best term and whole life insurance companies below.

The quotes do not differentiate between exam and no medical exam life insurance, but many of the top companies offer accelerated underwriting that allows you to bypass a physical.

Table of Contents:

Best Term Life Insurance Rates

There are two primary types of life insurance policies, term life and permanent life.

Term life policies last for a set period of time, the “term,” versus permanent policies that are designed to last your entire lifetime.

We provide sample life insurance rates by age for both term and whole life insurance, starting with term life insurance.

Each of the sample term life insurance quotes are for the best rate class from top rated life insurance companies. Rates are for informational purposes only, are subject to change, and must be qualified for.

Best Life Insurance Rates 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 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 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 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
59N/AN/AN/AN/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
59N/AN/AN/AN/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 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
66N/AN/AN/AN/A
67N/AN/AN/AN/A
68N/AN/AN/AN/A
69N/AN/AN/AN/A
30 Year Term
FACE VALUE$250,000$500,000$750,000$1,000,000
60N/AN/AN/AN/A
61N/AN/AN/AN/A
62N/AN/AN/AN/A
63N/AN/AN/AN/A
64N/AN/AN/AN/A
65N/AN/AN/AN/A
66N/AN/AN/AN/A
67N/AN/AN/AN/A
68N/AN/AN/AN/A
69N/AN/AN/AN/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
66N/AN/AN/AN/A
67N/AN/AN/AN/A
68N/AN/AN/AN/A
69N/AN/AN/AN/A
30 Year Term
FACE VALUE$250,000$500,000$750,000$1,000,000
60N/AN/AN/AN/A
61N/AN/AN/AN/A
62N/AN/AN/AN/A
63N/AN/AN/AN/A
64N/AN/AN/AN/A
65N/AN/AN/AN/A
66N/AN/AN/AN/A
67N/AN/AN/AN/A
68N/AN/AN/AN/A
69N/AN/AN/AN/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 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
79N/AN/AN/AN/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
71N/AN/AN/AN/A
72N/AN/AN/AN/A
73N/AN/AN/AN/A
74N/AN/AN/AN/A
75N/AN/AN/AN/A
76N/AN/AN/AN/A
77N/AN/AN/AN/A
78N/AN/AN/AN/A
79N/AN/AN/AN/A
25 Year Term
FACE VALUE$250,000$500,000$750,000$1,000,000
70N/AN/AN/AN/A
71N/AN/AN/AN/A
72N/AN/AN/AN/A
73N/AN/AN/AN/A
74N/AN/AN/AN/A
75N/AN/AN/AN/A
76N/AN/AN/AN/A
77N/AN/AN/AN/A
78N/AN/AN/AN/A
79N/AN/AN/AN/A
30 Year Term
FACE VALUE$250,000$500,000$750,000$1,000,000
70N/AN/AN/AN/A
71N/AN/AN/AN/A
72N/AN/AN/AN/A
73N/AN/AN/AN/A
74N/AN/AN/AN/A
75N/AN/AN/AN/A
76N/AN/AN/AN/A
77N/AN/AN/AN/A
78N/AN/AN/AN/A
79N/AN/AN/AN/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
79N/AN/AN/AN/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
71N/AN/AN/AN/A
72N/AN/AN/AN/A
73N/AN/AN/AN/A
74N/AN/AN/AN/A
75N/AN/AN/AN/A
76N/AN/AN/AN/A
77N/AN/AN/AN/A
78N/AN/AN/AN/A
79N/AN/AN/AN/A
25 Year Term
FACE VALUE$250,000$500,000$750,000$1,000,000
70N/AN/AN/AN/A
71N/AN/AN/AN/A
72N/AN/AN/AN/A
73N/AN/AN/AN/A
74N/AN/AN/AN/A
75N/AN/AN/AN/A
76N/AN/AN/AN/A
77N/AN/AN/AN/A
78N/AN/AN/AN/A
79N/AN/AN/AN/A
30 Year Term
FACE VALUE$250,000$500,000$750,000$1,000,000
70N/AN/AN/AN/A
71N/AN/AN/AN/A
72N/AN/AN/AN/A
73N/AN/AN/AN/A
74N/AN/AN/AN/A
75N/AN/AN/AN/A
76N/AN/AN/AN/A
77N/AN/AN/AN/A
78N/AN/AN/AN/A
79N/AN/AN/AN/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.
Age250,000500,0001,000,000
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.
Age250,000500,0001,000,000
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 2020, you can get as little as 1 year annual renewable term or 5 year term life, up to a 35 or 40 year term life insurance policy. There are only a handful of companies currently offering a 35 or 40 year term length currently, but if those companies find success, we imagine more companies will follow along.

Some factors to consider

When trying to determine how long of a term period you should get, there are various factors to consider.

For example, someone looking to secure a small business loan with life insurance as collateral will probably be fine with a 10 year term.

However, a new father or mother might want a 20 year term policy to make sure they have coverage in place until their newborn has reached adulthood. For most new parents, having coverage in place until each child reaches independence is a great idea.

Also, new homeowners do well with 30 year term life because it matches the 30 year mortgage they just took out.

And 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 is going to be the best option.

Alternatively, maybe term life insurance is not the right choice for you, in which case you might want to 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 for.

$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-exisitng condition, you can check out our pre-exisiting 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 of 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 get you an automatic disqualify, 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

There is a lot that goes in to finding and securing the best life insurance rates. 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 you want to make sure you find the best rates available for you, based on your unique health and lifestyle, give our team at IBUSA a call today. You’ll be glad you did.