Here are sample life insurance rates.
The following are monthly rates based on $250,000 10-Year term, in the rating tier Preferred Plus Non-Smoker. Most people fall in the Preferred Non-Smoker rates.
Male
- Age 25: $13.48
- Age 30: $13.69
- Age 35: $15.18
- Age 40: $17.51
- Age 45: $21.76
- Age 50: $33.45
- Age 55: $49.18
- Age 60: $81.05 – Around age 60, the face amount is often lower.
- Age 65: $126.31
Note: For a male age 45, the monthly rate in Preferred NS increases only $4 a month. At age 55, the monthly rate for a male in Preferred NS increases by only $1 a month.
Female
- Age 25: $12.63
- Age 30: $13.05
- Age 35: $13.90
- Age 40: $14.96
- Age 45: $19.21
- Age 50: $26.44
- Age 55: $36.43
- Age 60: $49.81– Around age 60, the face amount is often lower.
- Age 65: $77.01
