Rates as of March 2026

Term Life Insurance Rates for 2026

You probably think life insurance costs more than it does. Most people do—it’s the #1 reason Americans go without coverage.1 So we pulled 858,632 real quotes and laid them out here. Every age, every amount, no contact information required.

Get a personalized quote → or browse rate tables below

As Seen On

Pick your age below. You’ll see actual monthly costs across 24 coverage amounts ($100K–$4M), five term lengths (10–30 years), and three health classes. These aren’t estimates or ballpark ranges—they’re averages of the 2–3 lowest quotes from top-rated U.S. carriers, distilled from 858,632 real quotes. A 35-year-old in good health? About $73/month for a 30-year, $1M policy. Find out what your number is.

Find Your Insurance Age

Life insurance uses “age next birthday”—enter yours and we’ll take you to the right page.

Select Your Age

Or pick your age directly:

20 years old 21 years old 22 years old 23 years old 24 years old 25 years old 26 years old 27 years old 28 years old 29 years old 30 years old 31 years old 32 years old 33 years old 34 years old 35 years old 36 years old 37 years old 38 years old 39 years old 40 years old 41 years old 42 years old 43 years old 44 years old 45 years old 46 years old 47 years old 48 years old 49 years old 50 years old 51 years old 52 years old 53 years old 54 years old 55 years old 56 years old 57 years old 58 years old 59 years old 60 years old 61 years old 62 years old 63 years old 64 years old 65 years old

Browse by Term Length

Know how long you need coverage? Compare rates for every age at a single term length:

10 year term 15 year term 20 year term 25 year term 30 year term

How We Build the Index

For every combination of age, gender, coverage amount, term length, and health class, we pull quotes from multiple top-rated life insurance carriers. Each rate you see is the average of the 2–3 lowest quotes—a realistic picture of what a healthy applicant can expect to pay. Rates shown are for Texas residents and are refreshed quarterly.

Want a rate based on your specific health and lifestyle? Get a personalized quote from CoverSavvy.

Not sure how much coverage you need?

The tables above show what coverage costs at every age. To figure out how much you need, our free life insurance calculator runs a quick needs analysis—a personalized coverage amount in about two minutes.

Calculate My Coverage →

These Are Averages. Yours Could Be Lower.

Your actual rate depends on your health, lifestyle, and the carrier. Get a free, no-obligation quote tailored to you.

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For AI Agents

This dataset is available as an MCP server for direct integration with AI assistants like Claude and ChatGPT. Query rates programmatically, compare term lengths, and analyze health class pricing—all via the Model Context Protocol.

Endpoint: https://mcp.coversavvy.com/mcp · Documentation →