I am sure you can agree that getting term life insurance quotes online can be super annoying.

From the 100’s of phone calls to random emails and not really knowing which agent you spoke to last. 

term life insurance rates by age

What if I told you that not only can you get quotes without giving up personal information, but you can get the best term life insurance rates by age easily by looking through them below.

With this post today I have put several term life insurance quotes by age below which will give you a quick estimate of what the cost will be, based on life insurance with a medical exam, and life insurance with no physical exam.

We will also cover rates based on age, coverage amounts, and term length.

Why Term Life Insurance 

One of the most common questions I am asked is “Why should I buy a term life insurance policy,” and the honest answer is for a few reasons: 

  • Low Cost With Guaranteed Level Premiums For The Life Of The Policy 
  • Very Easy To Understand Fast And Easy To Buy Online, With Or Without An Exam
  • Perfect For Almost Any Situation Where You Need Life Insurance
  • Can Be Used To Pay Off Debts (Mortgage, Credit, Etc)
  • Use To Replace Your Spouse’s Income

Term life insurance is going to be the best option for almost everyone no matter what life event you have. 

Also, the younger you are when you buy term life insurance, the more affordable it is. 

THE SIMPLY INSURANCE WAY

Life Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get life insurance coverage within minutes of getting your quotes and applying.

How Much Coverage Do You Need

There is a list of ways to figure out how much coverage you need, there are even all sorts of calculators.

However, I always recommend purchasing 20 times your annual income, because this, in essence, gives your family 20 years of additional living based on your salary if you were to pass away.

You are putting them in a more solid financial situation, and it allows your family to grieve during their time of loss and not focus on debt.

Below you will find all of the term life insurance rates by age. 

10 Year Term Life Insurance Quotes With Exam

For policies that require an exam, a 10-year term policy is usually the most affordable option.  

You will get a guaranteed level premium for 10 years and once the 10 year term is up your premiums will rise annually if the policy is renewable.

  • Male
  • Female

Sample rates below are based on a 10-year term for a healthy non-smoking male in excellent health. You will also notice that rates stay the same up to a specific age range.


AGE


$100,000


$250,000


$500,000


$1 MILLION


18 Years Old


$8.85


$10.53


$13.95


$21.90


19 Years Old


$8.85


$10.53


$13.95


$21.90


20 Years Old


$8.85


$10.53


$13.95


$21.90


21 Years Old


$8.85


$10.53


$13.95


$21.90


22 Years Old


$8.85


$10.53


$13.95


$21.90


23 Years Old


$8.85


$10.53


$13.95


$21.90


24 Years Old


$8.85


$10.53


$13.95


$21.90


25 Years Old


$8.85


$10.53


$13.95


$21.90


26 Years Old


$8.85


$10.53


$13.95


$21.90


27 Years Old


$8.85


$10.53


$13.95


$21.90


28 Years Old


$8.85


$10.53


$13.95


$21.90


AGE


$100,000


$250,000


$500,000


$1 MILLION


29 Years Old


$8.85


$10.53


$13.95


$21.90


30 Years Old


$8.85


$10.53


$13.95


$21.90


31 Years Old


$8.85


$10.53


$13.95


$21.90


32 Years Old


$8.85


$10.53


$13.95


$21.90


33 Years Old


$8.85


$10.53


$13.95


$21.90


34 Years Old


$8.85


$10.53


$13.95


$21.90


35 Years Old


$9.11


$10.83


$14.38


$22.77


36 Years Old


$9.37


$11.18


$15.24


$24.48


37 Years Old


$9.54


$11.85


$16.42


$26.83


38 Years Old


$9.80


$12.50


$17.74


$29.48


39 Years Old


$10.13


$13.17


$18.60


$31.20


AGE


$100,000


$250,000


$500,000


$1 MILLION


40 Years Old


$10.58


$14.05


$20.33


$34.65


41 Years Old


$11.01


$15.15


$22.48


$38.96


42 Years Old


$11.44


$16.03


$24.63


$43.26


43 Years Old


$11.81


$16.91


$26.07


$46.14


44 Years Old


$12.24


$18.01


$28.18


$50.37


45 Years Old


$12.86


$19.11


$30.27


$54.53


46 Years Old


$13.48


$20.65


$33.18


$60.36


47 Years Old


$14.18


$22.20


$36.11


$66.22


48 Years Old


$14.98


$23.96


$39.33


$72.67


49 Years Old


$15.77


$25.72


$42.78


$79.56


50 Years Old


$16.73


$27.93


$47.33


$88.67


AGE


$100,000


$250,000


$500,000


$1 MILLION


51 Years Old


$17.88


$30.35


$52.01


$98.02


52 Years Old


$19.29


$33.21


$56.98


$107.95


53 Years Old


$20.79


$36.73


$63.08


$120.17


54 Years Old


$22.55


$40.47


$70.74


$135.48


55 Years Old


$25.31


$44.88


$78.50


$151.00


56 Years Old


$27.01


$49.94


$87.66


$169.33


57 Years Old


$29.78


$55.45


$97.66


$189.33


58 Years Old


$32.28


$61.39


$108.08


$210.16


59 Years Old


$34.87


$65.77


$119.75


$233.50


60 Years Old


$38.40


$75.05


$132.25


$258.50


61 Years Old


$41.93


$82.75


$146.41


$286.83


62 Years Old


$46.24


$92.44


$163.50


$321.00


63 Years Old


$51.26


$103.46


$183.08


$360.16


64 Years Old


$56.90


$115.78


$205.16


$404.33

These Quotes are presented in a monthly premium format. Valid as of 09/19/20. The above quotes are for a non-smoker in excellent health and are subject to changes.

INSURANCE WHERE YOU LIVE

Life insurance by state.

15 Year Term Life Insurance Quotes With Exam

A 15-year term policy usually the second most affordable option.  

You will get a guaranteed level premium for 15 years and once the 15 year term is up your premiums will rise annually if the policy is renewable.

life insurance rates
  • Male
  • Female

Sample rates below are based on a 15-year term for a healthy non-smoking female in excellent health. You will also notice that rates stay the same up to a specific age range.


AGE


$100,000


$250,000


$500,000


$1 MILLION


18 Years Old


$8.16


$10.53


$14.16


$22.33


19 Years Old


$8.16


$10.53


$14.16


$22.33


20 Years Old


$8.16


$10.53


$14.16


$22.33


21 Years Old


$8.16


$10.53


$14.16


$22.33


22 Years Old


$8.16


$10.53


$14.16


$22.33


23 Years Old


$8.16


$10.53


$14.16


$22.33


24 Years Old


$8.16


$10.53


$14.16


$22.33


25 Years Old


$8.25


$10.75


$14.36


$22.73


26 Years Old


$8.30


$10.75


$14.38


$22.77


27 Years Old


$8.30


$10.97


$14.78


$23.55


28 Years Old


$8.30


$10.97


$14.78


$23.55


AGE


$100,000


$250,000


$500,000


$1 MILLION


29 Years Old


$8.30


$10.97


$14.78


$23.55


30 Years Old


$8.30


$10.97


$14.78


$23.55


31 Years Old


$8.34


$10.97


$14.81


$23.63


32 Years Old


$8.35


$11.18


$15.24


$24.48


33 Years Old


$8.35


$11.18


$15.24


$24.48


34 Years Old


$8.35


$11.18


$15.24


$24.48


35 Years Old


$8.52


$11.63


$16.10


$26.20


36 Years Old


$8.64


$12.07


$16.96


$27.92


37 Years Old


$8.90


$12.73


$17.82


$29.63


38 Years Old


$9.33


$13.39


$18.92


$31.83


39 Years Old


$9.69


$14.05


$20.59


$35.18


AGE


$100,000


$250,000


$500,000


$1 MILLION


40 Years Old


$10.13


$14.93


$22.63


$39.25


41 Years Old


$10.57


$15.81


$24.20


$42.39


42 Years Old


$11.01


$16.69


$25.58


$45.16


43 Years Old


$11.54


$17.58


$27.35


$48.70


44 Years Old


$12.07


$18.68


$29.69


$53.38


45 Years Old


$12.68


$19.65


$32.60


$59.19


46 Years Old


$13.39


$20.65


$34.80


$63.59


47 Years Old


$14.09


$21.98


$37.00


$67.99


48 Years Old


$14.88


$23.07


$39.64


$73.27


49 Years Old


$15.75


$24.84


$42.73


$79.45


50 Years Old


$16.73


$26.38


$45.81


$85.62


AGE


$100,000


$250,000


$500,000


$1 MILLION


51 Years Old


$17.70


$28.15


$49.33


$92.67


52 Years Old


$18.67


$30.12


$52.85


$99.70


53 Years Old


$20.08


$32.32


$57.70


$109.39


54 Years Old


$21.40


$34.96


$62.55


$119.09


55 Years Old


$23.07


$40.25


$68.71


$131.42


56 Years Old


$24.84


$44.44


$76.28


$146.57


57 Years Old


$26.95


$48.84


$83.83


$161.65


58 Years Old


$28.98


$53.68


$91.94


$177.88


59 Years Old


$31.27


$58.97


$101.12


$196.24


60 Years Old


$34.27


$65.14


$112.53


$219.06


61 Years Old


$37.70


$72.18


$124.10


$242.19


62 Years Old


$41.67


$80.55


$141.76


$277.53


63 Years Old


$46.54


$90.25


$159.69


$313.38


64 Years Old


$52.31


$100.81


$177.17


$348.33

These Quotes are presented in a monthly premium format. Valid as of 09/19/20. The above quotes are for a non-smoker in excellent health and are subject to changes.

20 Year Term Life Insurance Quotes With Exam

A 20-year term policy usually the middle range of pricing.  

You will get a guaranteed level premium for 20 years and once the 20 year term is up your premiums will rise annually if the policy is renewable.

This is great news for people that are in their sixties because they can still get a long term length at a good price. 

And guess what: 

Getting life insurance quotes for a 60 year old is much easier than you can imagine.

  • Male
  • Female

Sample rates below are based on a 20-year term for a healthy non-smoking female in excellent health. You will also notice that rates stay the same up to a specific age range.


AGE


$100,000


$250,000


$500,000


$1 MILLION


18 Years Old


$8.72


$12.07


$16.95


$27.90


19 Years Old


$8.72


$12.07


$16.95


$27.90


20 Years Old


$8.72


$12.07


$16.95


$27.90


21 Years Old


$8.72


$12.07


$16.95


$27.90


22 Years Old


$8.72


$12.07


$16.95


$27.90


23 Years Old


$8.72


$12.07


$16.95


$27.90


24 Years Old


$8.72


$12.07


$16.95


$27.90


25 Years Old


$8.72


$12.07


$16.95


$27.90


26 Years Old


$8.80


$12.07


$16.96


$27.92


27 Years Old


$8.80


$12.07


$16.96


$27.92


28 Years Old


$8.80


$12.29


$17.39


$28.78


AGE


$100,000


$250,000


$500,000


$1 MILLION


29 Years Old


$8.80


$12.29


$17.39


$28.78


30 Years Old


$8.90


$12.50


$17.82


$29.63


31 Years Old


$8.90


$12.50


$17.82


$29.63


32 Years Old


$8.98


$12.73


$18.16


$30.33


33 Years Old


$8.98


$12.73


$18.25


$30.49


34 Years Old


$8.98


$12.95


$18.70


$31.41


35 Years Old


$9.33


$13.39


$19.33


$32.66


36 Years Old


$9.51


$14.05


$20.62


$35.23


37 Years Old


$9.86


$14.93


$22.35


$38.71


38 Years Old


$10.31


$15.81


$23.98


$41.95


39 Years Old


$10.75


$16.91


$25.70


$45.40


AGE


$100,000


$250,000


$500,000


$1 MILLION


40 Years Old


$11.28


$18.01


$28.27


$50.54


41 Years Old


$11.89


$19.33


$30.81


$55.62


42 Years Old


$12.42


$20.65


$33.40


$60.79


43 Years Old


$12.95


$22.20


$36.00


$66.00


44 Years Old


$13.66


$23.74


$39.33


$72.66


45 Years Old


$14.45


$25.50


$43.08


$80.16


46 Years Old


$15.41


$27.48


$46.50


$87.00


47 Years Old


$16.38


$29.68


$50.79


$95.58


48 Years Old


$17.44


$31.89


$55.04


$104.08


49 Years Old


$18.68


$34.53


$59.18


$112.36


50 Years Old


$19.90


$37.40


$65.11


$124.23


AGE


$100,000


$250,000


$500,000


$1 MILLION


51 Years Old


$21.49


$40.47


$70.91


$135.82


52 Years Old


$23.07


$44.00


$76.18


$146.37


53 Years Old


$24.92


$48.18


$82.66


$159.33


54 Years Old


$26.96


$52.14


$91.13


$176.26


55 Years Old


$29.51


$57.21


$101.68


$197.36


56 Years Old


$32.50


$65.56


$112.67


$219.33


57 Years Old


$35.67


$69.76


$124.28


$242.57


58 Years Old


$39.17


$76.59


$136.96


$267.92


59 Years Old


$42.27


$84.07


$151.82


$297.64


60 Years Old


$46.96


$93.54


$168.05


$330.11


61 Years Old


$51.26


$103.67


$190.50


$374.99


62 Years Old


$56.29


$115.56


$213.97


$421.93


63 Years Old


$62.77


$129.44


$238.54


$471.08


64 Years Old


$70.56


$145.29


$270.19


$534.38

These Quotes are presented in a monthly premium format. Valid as of 09/19/20. The above quotes are for a non-smoker in excellent health and are subject to changes.

THE SIMPLY INSURANCE WAY

Life Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get life insurance coverage within minutes of getting your quotes and applying.

30 Year Term Life Insurance Quotes With Exam

A 30-year term policy usually the most expensive option.  

You will get a guaranteed level premium for 30 years and once the 30 year term is up your premiums will rise annually if the policy is renewable.

A 30 year term gives you the most savings over time.

  • Male
  • Female

Sample rates below are based on a 30-year term for a healthy non-smoking female in excellent health. You will also notice that rates stay the same up to a specific age range.


AGE


$100,000


$250,000


$500,000


$1 MILLION


18 Years Old


$11.81


$16.39


$25.26


$44.53


19 Years Old


$11.81


$16.39


$25.26


$44.53


20 Years Old


$11.81


$16.39


$25.26


$44.53


21 Years Old


$11.81


$16.39


$25.26


$44.53


22 Years Old


$11.81


$16.39


$25.26


$44.53


23 Years Old


$11.81


$16.39


$25.26


$44.53


24 Years Old


$11.81


$16.39


$25.26


$44.53


25 Years Old


$11.89


$16.59


$25.69


$45.38


26 Years Old


$11.89


$16.91


$26.13


$46.27


27 Years Old


$11.98


$17.35


$26.57


$47.14


28 Years Old


$11.98


$17.58


$27.01


$48.03


AGE


$100,000


$250,000


$500,000


$1 MILLION


29 Years Old


$11.98


$17.79


$27.40


$48.81


30 Years Old


$11.98


$18.01


$27.69


$49.38


31 Years Old


$12.07


$18.23


$28.13


$50.26


32 Years Old


$12.16


$18.45


$28.99


$51.98


33 Years Old


$12.24


$19.11


$30.28


$54.55


34 Years Old


$12.34


$20.00


$32.08


$58.17


35 Years Old


$12.76


$21.10


$33.53


$61.06


36 Years Old


$13.48


$22.20


$35.43


$64.86


37 Years Old


$14.18


$23.74


$37.58


$69.16


38 Years Old


$14.98


$25.72


$39.75


$73.50


39 Years Old


$16.03


$27.26


$44.06


$82.13


AGE


$100,000


$250,000


$500,000


$1 MILLION


40 Years Old


$17.09


$29.47


$46.83


$87.67


41 Years Old


$18.05


$31.67


$52.45


$98.89


42 Years Old


$18.94


$33.86


$56.79


$107.58


43 Years Old


$19.82


$36.73


$61.63


$117.25


44 Years Old


$21.14


$39.15


$66.00


$126.00


45 Years Old


$22.99


$42.69


$71.83


$137.67


46 Years Old


$24.84


$45.54


$78.91


$151.83


47 Years Old


$26.87


$49.29


$86.00


$166.00


48 Years Old


$28.98


$52.81


$92.66


$179.32


49 Years Old


$31.27


$57.65


$101.41


$196.83

These Quotes are presented in a monthly premium format. Valid as of 09/19/20. The above quotes are for a non-smoker in excellent health and are subject to changes.

10 Year Term Life Insurance Quotes With No Exam

A 10-year no exam term policy is usually priced as the most affordable option.

You will get a guaranteed level premium for 10 years and at the end of the term you can choose a longer term length or look at renewal options if available. 

  • Male
  • Female

Sample rates below are based on a 10-year no exam term for a healthy non-smoking female in excellent health. You will also notice that rates stay the same up to a specific age range.


AGE


$100,000


$250,000


$500,000


20 Years Old


$8.00


$11.00


$19.00


21 Years Old


$8.00


$11.00


$19.00


22 Years Old


$8.00


$11.00


$19.00


23 Years Old


$8.00


$11.00


$19.00


24 Years Old


$8.00


$11.00


$19.00


25 Years Old


$8.00


$11.00


$20.00


26 Years Old


$9.00


$11.00


$20.00


27 Years Old


$9.00


$12.00


$20.00


28 Years Old


$9.00


$12.00


$20.00


29 Years Old


$9.00


$12.00


$21.00


30 Years Old


$9.00


$12.00


$21.00


AGE


$100,000


$250,000


$500,000


31 Years Old


$9.00


$12.00


$21.00


32 Years Old


$9.00


$13.00


$22.00


33 Years Old


$9.00


$13.00


$22.00


34 Years Old


$9.00


$13.00


$23.00


35 Years Old


$10.00


$14.00


$24.00


36 Years Old


$10.00


$14.00


$25.00


37 Years Old


$10.00


$15.00


$26.00


38 Years Old


$11.00


$15.00


$27.00


39 Years Old


$11.00


$16.00


$29.00


40 Years Old


$11.00


$17.00


$30.00


41 Years Old


$12.00


$18.00


$32.00


AGE


$100,000


$250,000


$500,000


42 Years Old


$13.00


$19.00


$34.00


43 Years Old


$13.00


$20.00


$36.00


44 Years Old


$14.00


$21.00


$38.00


45 Years Old


$14.00


$22.00


$40.00


46 Years Old


$15.00


$23.00


$43.00


47 Years Old


$15.00


$24.00


$45.00


48 Years Old


$16.00


$26.00


$48.00


49 Years Old


$17.00


$27.00


$51.00


50 Years Old


$18.00


$29.00


$54.00


51 Years Old


$19.00


$30.00


$57.00


52 Years Old


$19.00


$32.00


$61.00


53 Years Old


$21.00


$34.00


$65.00


54 Years Old


$22.00


$36.00


$70.00

These Quotes are presented in a monthly premium format. Valid as of 09/19/20. The above quotes are for a non-smoker in excellent health and are subject to changes.

THE SIMPLY INSURANCE WAY

No Exam Life Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get no exam life insurance coverage within minutes of getting your quotes and applying.

20 Year Term Life Insurance Quotes - No Exam

A 20-year no exam term policy is usually priced as the most expensive option.

You will get a guaranteed level premium for 20 years and at the end of the term you can choose a longer term length or look at renewal options if available. 

  • Male
  • Female

Sample rates below are based on a 20-year no exam term for a healthy non-smoking female in excellent health. You will also notice that rates stay the same up to a specific age range.


AGE


$100,000


$250,000


$500,000


20 Years Old


$9.00


$12.00


$21.00


21 Years Old


$9.00


$12.00


$21.00


22 Years Old


$9.00


$12.00


$21.00


23 Years Old


$9.00


$12.00


$21.00


24 Years Old


$9.00


$12.00


$21.00


25 Years Old


$9.00


$13.00


$22.00


26 Years Old


$9.00


$13.00


$22.00


27 Years Old


$9.00


$13.00


$23.00


28 Years Old


$10.00


$13.00


$23.00


29 Years Old


$10.00


$13.00


$23.00


30 Years Old


$10.00


$14.00


$24.00


AGE


$100,000


$250,000


$500,000


31 Years Old


$10.00


$14.00


$25.00


32 Years Old


$10.00


$14.00


$25.00


33 Years Old


$10.00


$15.00


$26.00


34 Years Old


$10.00


$15.00


$26.00


35 Years Old


$11.00


$16.00


$28.00


36 Years Old


$11.00


$16.00


$29.00


37 Years Old


$11.00


$17.00


$31.00


38 Years Old


$12.00


$18.00


$33.00


39 Years Old


$12.00


$19.00


$35.00


40 Years Old


$13.00


$20.00


$38.00


41 Years Old


$14.00


$22.00


$40.00