The rates shown are for respective term life policies for men and women in excellent health, sourced from one or more of the reputable companies we represent. These term life insurance rates are current as of September 2024. Your actual rate may vary based on your health, the issuing company, and other influencing factors. Please note that these rates may not be available in all states.
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Average Term Life Insurance Rates by Age and Gender:
10 YEAR TERM RATES
| Age/Gender | $250k Policy | $500k Policy | $1Mil Policy |
|---|---|---|---|
| 25-Year Old Female | $8.55 | $10.94 | $15.10 |
| 25-Year Old Male | $9.83 | $13.10 | $17.88 |
| 35-Year Old Female | $8.97 | $11.89 | $16.15 |
| 35-Year Old Male | $9.85 | $13.55 | $19.58 |
| 45-Year Old Female | $15.04 | $23.71 | $37.08 |
| 45-Year Old Male | $16.96 | $27.18 | $43.34 |
| 55-Year Old Female | $28.03 | $49.65 | $89.83 |
| 55-Year Old Male | $36.75 | $67.07 | $120.85 |
15 YEAR TERM RATES
| Age/Gender | $250k Policy | $500k Policy | $1Mil Policy |
|---|---|---|---|
| 25-Year Old Female | $8.90 | $11.89 | $17.50 |
| 25-Year Old Male | $9.97 | $13.94 | $21.13 |
| 35-Year Old Female | $10.28 | $13.89 | $20.20 |
| 35-Year Old Male | $10.67 | $15.28 | $24.39 |
| 45-Year Old Female | $17.13 | $27.78 | $48.42 |
| 45-Year Old Male | $20.97 | $35.15 | $63.29 |
| 55-Year Old Female | $32.68 | $58.99 | $108.94 |
| 55-Year Old Male | $45.66 | $84.41 | $160.77 |
20 YEAR TERM RATES
| Age/Gender | $250k Policy | $500k Policy | $1Mil Policy |
|---|---|---|---|
| 25-Year Old Female | $10.58 | $15.01 | $21.74 |
| 25-Year Old Male | $12.01 | $$18.35 | $$29.25 |
| 35-Year Old Female | $11.69 | $17.20 | $28.22 |
| 35-Year Old Male | $13.21 | $20.16 | $32.64 |
| 45-Year Old Female | $20.99 | $35.93 | $65.80 |
| 45-Year Old Male | $25.75 | $45.40 | $84.42 |
| 55-Year Old Female | $44.51 | $82.70 | $157.05 |
| 55-Year Old Male | $59.79 | $112.55 | $215.79 |
25 YEAR TERM RATE
| Age/Gender | $250k Policy | $500k Policy | $1Mil Policy |
|---|---|---|---|
| 25-Year Old Female | $13.12 | $19.23 | $27.82 |
| 25-Year Old Male | $15.28 | $23.41 | $40.21 |
| 35-Year Old Female | $15.65 | $24.27 | $41.91 |
| 35-Year Old Male | $18.02 | $28.04 | $50.28 |
| 45-Year Old Female | $29.39 | $49.05 | $91.47 |
| 45-Year Old Male | $37.46 | $64.15 | $120.01 |
| 55-Year Old Female | $73.29 | $133.47 | $251.48 |
| 55-Year Old Male | $100.15 | $186.02 | $353.80 |
30 YEAR TERM RATES
| Age/Gender | $250k Policy | $500k Policy | $1Mil Policy |
|---|---|---|---|
| 25-Year Old Female | $14.36 | $22.47 | $34.50 |
| 25-Year Old Male | $17.03 | $27.59 | $46.06 |
| 35-Year Old Female | $17.93 | $28.74 | $50.21 |
| 35-Year Old Male | $20.81 | $34.24 | $62.74 |
| 45-Year Old Female | $33.09 | $59.28 | $112.58 |
| 45-Year Old Male | $42.18 | $76.61 | $145.12 |
| 55-Year Old Female | $90.52 | $173.82 | $329.63 |
| 55-Year Old Male | $117.74 | $229.13 | $449.13 |
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