Life insurance rates by age
Pick your age and amount to see a published sample price for 20 year term life. Then get your real price from an agent.
Your details
20 year term, nonsmoker. Source: MoneyGeek, Updated September 22, 2026.
Monthly 20 year term rates
| Age | Sex | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 25 | Female | $22 | $30 | $54 |
| 25 | Male | $23 | $32 | $67 |
| 30 | Female | $23 | $32 | $60 |
| 30 | Male | $26 | $38 | $74 |
| 35 | Female | $24 | $37 | $68 |
| 35 | Male | $28 | $47 | $85 |
| 40 | Female | $28 | $47 | $86 |
| 40 | Male | $35 | $59 | $109 |
| 45 | Female | $35 | $69 | $130 |
| 45 | Male | $44 | $90 | $170 |
| 50 | Female | $59 | $102 | $194 |
| 50 | Male | $77 | $137 | $262 |
| 55 | Female | $75 | $168 | $317 |
| 55 | Male | $100 | $231 | $440 |
| 60 | Female | $157 | $286 | $545 |
| 60 | Male | $215 | $395 | $771 |
| 65 | Female | $178 | $415 | $806 |
| 65 | Male | $245 | $591 | $1,195 |
Sample rates for healthy nonsmokers, published by MoneyGeek (Updated September 22, 2026). Not a quote. Smokers and people with health conditions pay more.
How to read these rates
These are sample monthly prices for a 20 year term policy, published in a rate table. They assume a healthy person who does not use tobacco.
Your age matters most. Prices roughly double every 10 years or so as you get older, so buying sooner usually costs less.
Health, tobacco, your job and the company all change the price. An agent can show you real quotes from several companies.
Common questions
Why do men pay more?
Women tend to live longer, so insurers usually charge them less for the same coverage.
Do smokers pay more?
Yes, often a lot more. See how smoking changes life insurance prices.
Are these prices guaranteed?
No. They are samples. Your price is set after the insurer reviews your application.
See your price in 2 minutes
Two minutes, a few questions, and a licensed agent shows you what it really costs. No exam needed for many plans.
About 3 in 4 people guess life insurance costs more than it does. LIMRA 2026