By Age & Gender

By Sa El Published: October 26, 2020

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.

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.

In This Article

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

10 Year Term Life Insurance Quotes With No Exam

20 Year Term Life Insurance Quotes - No Exam

Frequently Asked Questions

How To Get The Best Term Life 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.

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.

GET INSTANT QUOTES

Coverage in minutes.

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

GET INSTANT QUOTES

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.

GET AN INSTANT LIFE INSURANCE QUOTE

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.

AGE	$100,000	$250,000	$500,000	$1 MILLION
18 Years Old	$7.75	$9.86	$12.66	$19.33
19 Years Old	$7.75	$9.86	$12.66	$19.33
20 Years Old	$7.75	$9.86	$12.66	$19.33
21 Years Old	$7.75	$9.86	$12.66	$19.33
22 Years Old	$7.75	$9.86	$12.66	$19.33
23 Years Old	$7.75	$9.86	$12.66	$19.33
24 Years Old	$7.75	$9.86	$12.66	$19.33
25 Years Old	$7.75	$9.86	$12.66	$19.33
26 Years Old	$7.75	$9.86	$12.66	$19.33
27 Years Old	$7.75	$9.86	$12.66	$19.33
28 Years Old	$7.75	$9.86	$12.66	$19.33

AGE	$100,000	$250,000	$500,000	$1 MILLION
29 Years Old	$7.75	$9.86	$12.66	$19.33
30 Years Old	$7.75	$9.86	$12.66	$19.33
31 Years Old	$7.75	$9.86	$12.66	$19.33
32 Years Old	$7.75	$9.86	$12.66	$19.33
33 Years Old	$7.75	$9.86	$12.66	$19.33
34 Years Old	$7.75	$9.86	$12.66	$19.33
35 Years Old	$7.95	$10.08	$13.09	$20.18
36 Years Old	$8.17	$10.30	$13.64	$21.28
37 Years Old	$8.39	$10.97	$14.88	$23.75
38 Years Old	$8.74	$11.61	$16.02	$26.03
39 Years Old	$9.00	$12.07	$16.88	$27.76

AGE	$100,000	$250,000	$500,000	$1 MILLION
40 Years Old	$9.25	$12.95	$18.53	$31.06
41 Years Old	$9.60	$13.83	$20.16	$34.32
42 Years Old	$9.96	$14.49	$21.46	$36.92
43 Years Old	$10.31	$15.15	$22.77	$39.53
44 Years Old	$10.65	$16.26	$24.91	$43.83
45 Years Old	$11.18	$16.91	$26.79	$47.58
46 Years Old	$11.63	$17.79	$28.77	$51.54
47 Years Old	$12.16	$19.11	$30.77	$55.53
48 Years Old	$12.83	$20.22	$32.83	$59.67
49 Years Old	$13.39	$21.54	$35.47	$64.94
50 Years Old	$14.18	$22.86	$37.74	$69.48

AGE	$100,000	$250,000	$500,000	$1 MILLION
51 Years Old	$14.98	$24.39	$40.02	$74.03
52 Years Old	$15.94	$26.38	$43.19	$80.38
53 Years Old	$17.09	$28.36	$46.83	$87.67
54 Years Old	$18.32	$30.79	$52.85	$99.70
55 Years Old	$19.73	$33.64	$56.98	$107.95
56 Years Old	$21.32	$36.73	$61.48	$116.97
57 Years Old	$23.17	$40.25	$66.41	$126.83
58 Years Old	$25.02	$44.00	$73.08	$140.16
59 Years Old	$27.04	$48.09	$79.75	$153.50
60 Years Old	$29.15	$52.36	$86.83	$167.67
61 Years Old	$31.44	$56.99	$94.75	$183.50
62 Years Old	$34.53	$62.50	$104.75	$203.50
63 Years Old	$37.61	$68.88	$115.58	$225.17
64 Years Old	$41.14	$75.92	$127.25	$248.50

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.

Male
Female

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

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.

GET AN INSTANT LIFE INSURANCE QUOTE

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

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

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