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Sample Rates

Many people don’t realize just how affordable life insurance can be. Over the past 10 years, the cost for basic term life insurance has dropped by about 50 percent. The sample rates below will give you an idea of insurance costs for men and women of varying ages.  If you smoke or aren’t in perfect health, you’ll pay more than the rates shown below. But don’t let that stop you from getting coverage. If your loved ones would suffer financially without you, life insurance is an absolute must.

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David, 36, works as a graphic designer for an energy company. We were able to get him a 20-year, $500,000 term policy for less than $25 a month.

Sonia, 44, is the head of human resources for a small manufacturing company. We were able to get her a 20-year, $500,000 term policy for about $40 a month.

Jim, 55, is the president and founder of a data management company that employs 30 people. We were able to get him a 15-year, $2 million term policy for about $370 a month.

Sophia, 25, recently got married and bought her first home. We were able to get her a 30-year, $250,000 term policy for less than $18 a month.

Wei, 41, has his own IT consulting business and is a father of three. We were able to get him a 10-year, $750,000 term policy for less than $32 a month.

Andrea, 32, is a stay-at-home mom. We were able to get her a 20-year, $400,000 term policy for about $20 a month.

Stephen, 45, is married and has two teenage sons. He works for a mobile security company and is one of their leading sales managers. We were able to get him a 10-year, $1.5 million term policy for about $80 a month.

Harold, 58, is a finance manager for a pharmaceutical company. He has a family history of heart disease. We were able to get him a 20-year, $200,000 term policy for about $150 a month.

Men

Age at time of purchase	10-year, $250,000 term policy	20-year, $250,000 term policy
30	$11	$14
40	$12	$19
50	$25	$42
60	$62	$116

Women

Age at time of purchase	10-year, $250,000 term policy	20-year, $250,000 term policy
30	$9	$12
40	$11	$16
50	$21	$32
60	$44	$80

All prices based on the applicant being a non-smoker in excellent health. Rates are monthly and rounded to the nearest dollar, as of January 2019.