---
title: Life Insurance Rates by Age (2026 Sample Prices) | Coverfolk
url: https://coverfolk.com/rates
updated: 2026-10-08
---

# 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

Age253035404550556065

SexFemaleMale

Coverage$250,000$500,000$1,000,000

Sample monthly price

$37/mo

20 year term, nonsmoker. Source: MoneyGeek, Updated September 22, 2026.

Full table

## 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.

[Final expense rates by age](/rates/final-expense)[Prices by amount](/amounts)

## Sources

1. [MoneyGeek, How Much Does Term Life Insurance Cost? (2026 Rates)](https://www.moneygeek.com/insurance/life/rates/term-life-insurance-rates-by-age/)
2. [Choice Mutual, $10,000 Life Insurance Rates](https://choicemutual.com/life-insurance-cost/10000/)

## 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.