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.

TABLE OF CONTENTS
Why Term Life Insurance 
How Much Coverage Do You Need 
10 Year Term Life Insurance Quotes With Exam
15 Year Term Life Insurance Quotes With Exam
20 Year Term Life Insurance Quotes With Exam
30 Year Term Life Insurance Quotes With Exam
No Exam Term Life Insurance Rates By Age
10 Year Term Life Insurance Quotes With No Exam
20 Year Term Life Insurance Quotes With No Exam
How To Get The Best Term Life Insurance Rates

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. 

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. 

life insurance rates

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 09/19/18. The above quotes are for a non-smoker in excellent health and are subject to changes.

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.

  • Male
  • Female

Sample rates below are based on a 15-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


$9.03


$10.97


$14.81


$23.62


19 Years Old


$9.03


$10.97


$14.81


$23.63


20 Years Old


$9.03


$10.97


$14.81


$23.63


21 Years Old


$9.03


$10.97


$14.81


$23.63


22 Years Old


$9.03


$10.97


$14.81


$23.63


23 Years Old


$9.03


$10.97


$14.81


$23.63


24 Years Old


$9.03


$10.97


$14.81


$23.63


25 Years Old


$9.03


$11.18


$14.81


$23.63


26 Years Old


$9.03


$11.18


$14.81


$23.63


27 Years Old


$9.03


$11.18


$15.24


$24.48


28 Years Old


$9.11


$11.18


$15.24


$24.48


AGE


$100,000


$250,000


$500,000


$1 MILLION


29 Years Old


$9.11


$11.18


$15.24


$24.48


30 Years Old


$9.11


$11.18


$15.24


$24.48


31 Years Old


$9.11


$11.40


$15.60


$25.21


32 Years Old


$9.11


$11.40


$15.60


$25.21


33 Years Old


$9.20


$11.40


$15.60


$25.21


34 Years Old


$9.20


$11.40


$15.68


$26.36


35 Years Old


$9.37


$12.07


$17.31


$28.63


36 Years Old


$9.54


$12.50


$17.78


$29.56


37 Years Old


$9.72


$13.39


$19.89


$33.78


38 Years Old


$9.97


$14.20


$21.15


$36.29


39 Years Old


$10.23


$14.84


$22.91


$39.82


AGE


$100,000


$250,000


$500,000


$1 MILLION


40 Years Old


$11.01


$16.35


$25.95


$45.84


41 Years Old


$11.78


$18.06


$28.66


$51.33


42 Years Old


$12.73


$19.55


$31.25


$56.51


43 Years Old


$13.13


$21.32


$34.53


$63.05


44 Years Old


$13.83


$23.30


$37.66


$69.33


45 Years Old


$14.62


$25.06


$42.24


$78.48


46 Years Old


$15.51


$26.83


$45.74


$85.48


47 Years Old


$16.47


$29.03


$49.41


$92.83


48 Years Old


$17.53


$31.22


$53.47


$100.94


49 Years Old


$18.68


$33.43


$58.29


$110.58


50 Years Old


$20.00


$36.29


$63.35


$120.71


AGE


$100,000


$250,000


$500,000


$1 MILLION


51 Years Old


$21.40


$39.15


$69.00


$131.99


52 Years Old


$23.07


$42.46


$74.80


$143.61


53 Years Old


$25.02


$46.64


$82.37


$158.73


54 Years Old


$27.04


$50.82


$90.45


$174.91


55 Years Old


$29.42


$56.10


$99.56


$193.09


56 Years Old


$32.32


$62.28


$109.03


$212.05


57 Years Old


$35.41


$68.66


$121.56


$237.12


58 Years Old


$38.67


$75.92


$136.00


$265.99


59 Years Old


$42.28


$83.42


$150.29


$294.58


60 Years Old


$46.86


$92.89


$168.21


$330.42


61 Years Old


$51.97


$103.67


$189.65


$373.29


62 Years Old


$58.14


$116.88


$214.18


$422.35


63 Years Old


$65.27


$131.86


$239.90


$473.81


64 Years Old


$73.38


$149.04


$271.41


$536.82

These Quotes are presented in a monthly premium format. Valid as of 09/19/18. 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 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


$9.51


$13.61


$19.76


$33.52


19 Years Old


$9.51


$13.61


$19.76


$33.52


20 Years Old


$9.51


$13.61


$19.76


$33.52


21 Years Old


$9.51


$13.61


$19.76


$33.52


22 Years Old


$9.51


$13.61


$19.76


$33.52


23 Years Old


$9.51


$13.61


$19.76


$33.52


24 Years Old


$9.51


$13.61


$19.76


$33.52


25 Years Old


$9.51


$13.61


$19.76


$33.52


26 Years Old


$9.51


$13.61


$19.76


$33.52


27 Years Old


$9.51


$13.61


$19.76


$33.52


28 Years Old


$9.60


$13.61


$19.76


$33.52


AGE


$100,000


$250,000


$500,000


$1 MILLION


29 Years Old


$9.60


$13.83


$20.19


$34.38


30 Years Old


$9.60


$14.05


$20.62


$35.23


31 Years Old


$9.60


$14.05


$20.62


$35.23


32 Years Old


$9.60


$14.27


$21.05


$36.09


33 Years Old


$9.60


$14.27


$21.05


$36.09


34 Years Old


$9.60


$14.93


$22.34


$38.68


35 Years Old


$10.04


$14.93


$22.34


$38.68


36 Years Old


$10.39


$15.81


$24.05


$42.11


37 Years Old


$10.92


$16.91


$26.03


$46.07


38 Years Old


$11.54


$18.23


$28.13


$50.26


39 Years Old


$12.13


$19.55


$30.59


$55.18


40 Years Old


$12.86


$21.32


$34.59


$63.18


AGE


$100,000


$250,000


$500,000


$1 MILLION


41 Years Old


$13.85


$23.07


$37.94


$69.88


42 Years Old


$14.62


$25.06


$41.00


$76.00


43 Years Old


$15.59


$27.26


$44.75


$83.50


44 Years Old


$16.65


$29.47


$49.37


$92.75


45 Years Old


$17.79


$31.89


$53.99


$101.98


46 Years Old


$19.11


$34.53


$58.50


$111.00


47 Years Old


$20.53


$37.40


$63.91


$121.83


48 Years Old


$21.93


$40.47


$69.75


$133.50


49 Years Old


$23.70


$43.45


$76.00


$146.00


50 Years Old


$25.63


$47.74


$83.54


$161.08


51 Years Old


$27.75


$52.14


$91.00


$176.00


AGE


$100,000


$250,000


$500,000


$1 MILLION


52 Years Old


$30.12


$56.77


$100.58


$195.17


53 Years Old


$32.85


$62.28


$110.65


$215.31


54 Years Old


$35.76


$68.00


$122.45


$238.90


55 Years Old


$40.79


$75.71


$136.00


$265.99


56 Years Old


$44.48


$84.96


$151.41


$296.83


57 Years Old


$49.59


$94.86


$169.95


$333.90


58 Years Old


$55.88


$105.66


$190.28


$374.56


59 Years Old


$61.05


$117.33


$212.18


$418.36


60 Years Old


$68.63


$132.53


$240.98


$475.96


61 Years Old


$77.07


$149.48


$269.08


$532.17


62 Years Old


$83.50


$169.52


$304.75


$603.51


63 Years Old


$93.10


$193.90


$345.58


$685.17


64 Years Old


$104.11


$220.61


$394.83


$783.65

These Quotes are presented in a monthly premium format. Valid as of 09/19/18. The above quotes are for a non-smoker in excellent health and are subject to changes.

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 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


$12.60


$19.90


$31.10


$56.20


19 Years Old


$12.60


$19.90


$31.10


$56.20


20 Years Old


$12.60


$19.90


$31.10


$56.20


21 Years Old


$12.60


$19.90


$31.10


$56.20


22 Years Old


$12.60


$19.90


$31.10


$56.20


23 Years Old


$12.60


$19.90


$31.10


$56.20


24 Years Old


$12.60


$19.90


$31.10


$56.20


25 Years Old


$12.77


$20.03


$31.51


$57.03


26 Years Old


$12.86


$20.19


$31.89


$57.78


27 Years Old


$13.03


$20.62


$32.25


$58.50


28 Years Old


$13.13


$21.05


$33.13


$60.25


AGE


$100,000


$250,000


$500,000


$1 MILLION


29 Years Old


$13.30


$21.42


$34.10


$62.19


30 Years Old


$13.48


$21.91


$34.88


$63.77


31 Years Old


$13.66


$22.42


$35.58


$65.17


32 Years Old


$13.83


$22.80


$36.67


$67.34


33 Years Old


$14.01


$22.97


$37.30


$68.61


34 Years Old


$14.01


$22.97


$37.30


$68.61


35 Years Old


$15.06


$24.84


$40.25


$74.51


36 Years Old


$16.12


$26.38


$43.70


$81.39


37 Years Old


$17.00


$27.93


$46.50


$87.00


38 Years Old


$18.05


$29.90


$49.82


$93.63


39 Years Old


$19.21


$31.89


$53.92


$101.83


AGE


$100,000


$250,000


$500,000


$1 MILLION


40 Years Old


$20.43


$34.31


$59.11


$112.22


41 Years Old


$21.75


$37.61


$65.20


$124.41


42 Years Old


$23.17


$40.91


$71.60


$137.19


43 Years Old


$24.66


$44.66


$78.50


$151.00


44 Years Old


$26.34


$48.51


$86.55


$167.10


45 Years Old


$28.62


$52.30


$94.75


$183.50


46 Years Old


$31.18


$57.16


$104.33


$202.67


47 Years Old


$33.82


$63.21


$113.91


$221.83


48 Years Old


$36.47


$69.19


$124.75


$243.50


49 Years Old


$39.55


$75.99


$136.83


$267.67

These Quotes are presented in a monthly premium format. Valid as of 09/19/18. The above quotes are for a non-smoker in excellent health and are subject to changes.

No Exam Term Life Insurance Rates By Age

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 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


20 Years Old


$9.00


$13.00


$22.00


21 Years Old


$9.00


$13.00


$22.00


22 Years Old


$9.00


$13.00


$22.00


23 Years Old


$9.00


$13.00


$22.00


24 Years Old


$9.00


$13.00


$22.00


25 Years Old


$9.00


$13.00


$23.00


26 Years Old


$10.00


$13.00


$23.00


27 Years Old


$10.00


$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


$24.00


32 Years Old


$10.00


$14.00


$24.00


33 Years Old


$10.00


$14.00


$25.00


34 Years Old


$10.00


$14.00


$25.00


35 Years Old


$10.00


$15.00


$26.00


36 Years Old


$11.00


$15.00


$28.00


37 Years Old


$11.00


$16.00


$29.00


38 Years Old


$12.00


$17.00


$31.00


39 Years Old


$12.00


$18.00


$33.00


40 Years Old


$13.00


$19.00


$35.00


41 Years Old


$13.00


$20.00


$37.00


AGE


$100,000


$250,000


$500,000


42 Years Old


$14.00


$21.00


$39.00


43 Years Old


$14.00


$22.00


$41.00


44 Years Old


$15.00


$24.00


$44.00


45 Years Old


$16.00


$25.00


$48.00


46 Years Old


$17.00


$27.00


$51.00


47 Years Old


$17.00


$29.00


$55.00


48 Years Old


$18.00


$31.00


$60.00


49 Years Old


$19.00


$34.00


$65.00


50 Years Old


$20.00


$37.00


$70.00


51 Years Old


$22.00


$40.00


$76.00


52 Years Old


$23.00


$43.00


$83.00


53 Years Old


$24.00


$47.00


$91.00


54 Years Old


$26.00


$52.00


$100.00

These Quotes are presented in a monthly premium format. Valid as of 09/14/18. The above quotes are for a non-smoker in excellent health and are subject to changes.

GET A NO EXAM LIFE INSURANCE QUOTE TODAY!

20 Year Term Life Insurance Quotes With 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 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


20 Years Old


$11.00


$16.00


$28.00


21 Years Old


$11.00


$16.00


$28.00


22 Years Old


$11.00


$16.00


$28.00


23 Years Old


$11.00


$16.00


$28.00


24 Years Old


$11.00


$16.00


$28.00


25 Years Old


$11.00


$16.00


$28.00


26 Years Old


$11.00


$16.00


$28.00


27 Years Old


$11.00


$16.00


$29.00


28 Years Old


$11.00


$16.00


$29.00


29 Years Old


$11.00


$16.00


$29.00


30 Years Old


$11.00


$16.00


$30.00


AGE


$100,000


$250,000


$500,000


31 Years Old


$12.00


$16.00


$30.00


32 Years Old


$12.00


$17.00


$30.00


33 Years Old


$12.00


$17.00


$30.00


34 Years Old


$12.00


$17.00


$30.00


35 Years Old


$12.00


$18.00


$33.00


36 Years Old


$13.00


$19.00


$35.00


37 Years Old


$14.00


$20.00


$37.00


38 Years Old


$14.00


$21.00


$40.00


39 Years Old


$15.00


$23.00


$43.00


40 Years Old


$16.00


$25.00


$46.00


41 Years Old


$16.00


$26.00


$50.00


AGE


$100,000


$250,000


$500,000


42 Years Old


$17.00


$28.00


$53.00


43 Years Old


$18.00


$31.00


$58.00


44 Years Old


$20.00


$33.00


$63.00

These Quotes are presented in a monthly premium format. Valid as of 09/19/18. The above quotes are for a non-smoker in excellent health and are subject to changes.

​Frequently Asked Questions

​What is the maximum age for term life insurance?

​When applying online most products stop at age 75; however, if you are in excellent health, some companies can cover people up to age 85.  

How much does 2 million in term life insurance cost?

The cost of a 2 million dollar term life insurance policy is going to depend on the individual.  Your age, gender, lifestyle, and tobacco use will all help determine your specific price.

What is the best age to buy term life insurance?

​If your parents don't already have life insurance coverage on you, when you turn 18 you should buy term life insurance ​coverage.

Can you get term life insurance at age 70?

Yes, there are several companies that will cover you at age 70, sometimes the limits of coverage may be lower as well as the term length options.

You should also expect to complete a medical exam.

How much is term life insurance for a 35 year old?

​​Rates will be on a "per person" basis, however, below ​is a sample rate for a 35 year old male in perfect health.

​A 20 Year Term Policy for $250,000 ​In coverage - $14.93/month

What happens if I outlive my term life insurance?

If you outlive your term life insurance policy it will go into a renewal stage, you can choose to keep the policy and pay a new premium or let it lapse.

If you think you will need coverage for a longer time than you have left in the policy you might consider a conversion.

​At what age does term life insurance end?

Term life insurance doesn't end at a specific age; however, it does stop at the term length you purchase. So, if you purchase a 10 year term, the policy will end in 10 years, regardless of your age.

Should I buy whole or term life?

If you are looking for an affordable policy that is simple to understand then you want to go with a term life policy 100% of the time.

Is natural death covered in term insurance?

Yes, term life insurance is considered to have an all cause death benefit, it will pay out for a natural death or death from a chronic, critical, or terminal illness.

How To Get The Best Term Life Insurance Rates

After checking out these rates, I am sure you are ready to take action, and that is a great thing.

If you are interested more in the “No Exam” option, then click here where you can get more instant quotes and apply online for coverage.

If you don’t mind taking an exam, then you can click here for quotes and apply online for coverage.

The process is very simply no matter which option you choose, the most important thing is not to procrastinate.

You have seen a ton of quotes, now its time to take the next step and get covered.

Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 11 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 11 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

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Sa El

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