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
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