Compare Life Insurance Rates
Life insurance pays a tax-free lump sum to your beneficiaries when you die, helping replace income, pay off a mortgage or cover college. Term life covers a set number of years and costs less; whole life lasts your lifetime and builds cash value. Your age, health and tobacco use drive the price most.
Get free life quotes
Takes about 2 minutes.
How much does life insurance cost?
Sample monthly premiums for a healthy non-smoker. Figures will be added once verified.
| Coverage profile | Average cost |
|---|---|
| $500,000 20-year term, age 30 | Data coming soon |
| $500,000 20-year term, age 40 | Data coming soon |
| $500,000 20-year term, age 50 | Data coming soon |
| $250,000 whole life, age 40 | Data coming soon |
Averages are for illustration only. Your actual rate depends on your personal details and the insurer.
What affects your rate
- Age
- Health and medical history
- Tobacco and nicotine use
- Coverage amount and term length
- Height and weight
- Occupation and hobbies
- Family medical history
Ways to save
- Buy while you're young and healthy
- Choose term life if you need coverage for a set period
- Quit tobacco for at least 12 months
- Compare several insurers, since underwriting varies
- Pay annually instead of monthly
Life Insurance coverage, explained
Term life
Covers 10–30 years at a fixed price. The most affordable option.
Whole life
Lifelong coverage with fixed premiums and cash value.
Universal life
Lifelong coverage with flexible premiums and death benefit.
No-exam life
Faster approval without a medical exam, often at a higher price.
Frequently asked questions
Ready to see your life rates?
Enter your ZIP to start. It's free and there's no obligation.