How Much Does Term Life Insurance Cost?

A life insurance policy is a contract between a policyholder and an insurer that guarantees that they will pay a sum of money to the policyholder at the time of their death.  This type of insurance provides coverage at a fixed rate for a specific amount of time.  Once the contract expires, the policyholder will have to reapply and pay a new price for a new life insurance policy.  The cost of term life insurance depends on the insurer, the amount of coverage and the person applying for a policy.

How much is it?

Sex
Age
Term Policy
Annual Price Range
Male
25
$1,000,000 Face – 30 yrs
$600 to $750
Male
35
$1,000,000 Face – 30 yrs
$750 to $850
Male
45
$1,000,000 Face – 30 yrs
$1,600 to $1,900
Female
25
$1,000,000 Face – 30 yrs
$450 to $600
Female
35
$1,000,000 Face – 30 yrs
$600 to $750
Female
45
$1,000,000 Face – 30 yrs
$1,300 to $1,600
Male
25
$1,000,000 Face – 20 yrs
$350 to $500
Male
35
$1,000,000 Face – 20 yrs
$400 to $550
Male
45
$1,000,000 Face – 20 yrs
$1,000 to $1,300
Female
25
$1,000,000 Face – 20 yrs
$300 to $450
Female
35
$1,000,000 Face – 20 yrs
$350 to $450
Female
45
$1,000,000 Face – 20 yrs
$800 to $1,000
Male
25
$1,000,000 Face – 10 yrs
$200 to $300
Male
35
$1,000,000 Face – 10 yrs
$250 to $350
Male
45
$1,000,000 Face – 10 yrs
$500 to $650
Female
25
$1,000,000 Face – 10 yrs
$230 to $350
Female
35
$1,000,000 Face – 10 yrs
$250 to $350
Female
45
$1,000,000 Face – 10 yrs
$450 to $600

NOTE:  Smokers can take the quotes above an multiply it by more than two to three times the amount.  For example, a male smoker at the age of 35 can expect to pay at least $4,000 for a policy.

What is going to be included?

What are the extra costs?

How to choose a policy:

Tips to know:

How can I save money?


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Average Reported Cost: $0

0 %
0 %
Less Expensive $1 $1.5K $3K $5K $6.5K More Expensive $8k

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