QUICK RATE CHECK
A -year-old in health, buying of coverage on a 35-year term would pay about
$81.32/mo
That's about $2.67 a day
Our service is free — policies cost the same wherever you buy them.
The retained Texas sweep contains 35-year quotes at ages 20–50. Availability varies by coverage amount, sex and health class. These observations are not eligibility limits or a guarantee of approval. Tables show five coverage amounts from $250,000 to $4,000,000. A dash means no quote was recorded. Click an age for all 16 coverage amounts, or a price to compare health classes.
Male Rates — 35-Year Term
Preferred Health Class TapClick any price to see all three rates
| Age | $250K$250K | $500K$500K | $1M$1M | $2M$2M | $4M$4M |
|---|---|---|---|---|---|
| Age 20 | $25.82 $310/yr | $42.27 $507/yr | $76.85 $922/yr | $148.17 $1,778/yr | $290.14 $3,482/yr |
| Age 21 | $25.82 $310/yr | $42.27 $507/yr | $76.85 $922/yr | $148.17 $1,778/yr | $290.14 $3,482/yr |
| Age 22 | $25.82 $310/yr | $42.27 $507/yr | $76.85 $922/yr | $148.17 $1,778/yr | $290.14 $3,482/yr |
| Age 23 | $25.82 $310/yr | $42.27 $507/yr | $76.85 $922/yr | $148.17 $1,778/yr | $290.14 $3,482/yr |
| Age 24 | $25.82 $310/yr | $42.27 $507/yr | $76.85 $922/yr | $148.17 $1,778/yr | $290.14 $3,482/yr |
| Age 25 | $25.82 $310/yr | $42.27 $507/yr | $76.85 $922/yr | $148.17 $1,778/yr | $290.14 $3,482/yr |
| Age 26 | $25.97 $312/yr | $42.90 $515/yr | $77.59 $931/yr | $149.66 $1,796/yr | $293.11 $3,517/yr |
| Age 27 | $26.38 $316/yr | $43.61 $523/yr | $78.51 $942/yr | $151.50 $1,818/yr | $296.79 $3,561/yr |
| Age 28 | $27.04 $324/yr | $44.36 $532/yr | $78.60 $943/yr | $151.68 $1,820/yr | $297.15 $3,566/yr |
| Age 29 | $27.86 $334/yr | $45.38 $544/yr | $79.00 $948/yr | $152.47 $1,830/yr | $298.72 $3,585/yr |
| Age 30 | $28.20 $338/yr | $46.21 $554/yr | $81.32 $976/yr | $157.12 $1,885/yr | $308.03 $3,696/yr |
| Age 31 | $28.49 $342/yr | $46.94 $563/yr | $81.81 $982/yr | $158.10 $1,897/yr | $309.99 $3,720/yr |
| Age 32 | $28.71 $344/yr | $47.47 $570/yr | $84.10 $1,009/yr | $162.70 $1,952/yr | $319.19 $3,830/yr |
| Age 33 | $28.92 $347/yr | $48.05 $577/yr | $86.56 $1,039/yr | $167.60 $2,011/yr | $328.99 $3,948/yr |
| Age 34 | $29.19 $350/yr | $48.80 $586/yr | $89.82 $1,078/yr | $174.12 $2,089/yr | $342.03 $4,104/yr |
| Age 35 | $29.46 $353/yr | $49.61 $595/yr | $92.99 $1,116/yr | $180.46 $2,166/yr | $354.71 $4,257/yr |
| Age 36 | $31.21 $374/yr | $52.94 $635/yr | $99.55 $1,195/yr | $193.58 $2,323/yr | $380.95 $4,571/yr |
| Age 37 | $33.11 $397/yr | $56.71 $680/yr | $107.00 $1,284/yr | $208.48 $2,502/yr | $410.75 $4,929/yr |
| Age 38 | $35.46 $425/yr | $61.38 $736/yr | $116.22 $1,395/yr | $226.92 $2,723/yr | $447.63 $5,372/yr |
| Age 39 | $37.92 $455/yr | $66.25 $795/yr | $125.82 $1,510/yr | $246.14 $2,954/yr | $486.07 $5,833/yr |
| Age 40 | $40.86 $490/yr | $71.82 $862/yr | $136.76 $1,641/yr | $268.00 $3,216/yr | $529.79 $6,357/yr |
| Age 41 | $44.13 $530/yr | $78.29 $939/yr | $149.72 $1,797/yr | $293.92 $3,527/yr | $581.63 $6,980/yr |
| Age 42 | $48.14 $578/yr | $85.60 $1,027/yr | $164.03 $1,968/yr | $322.54 $3,870/yr | $638.87 $7,666/yr |
| Age 43 | $53.05 $637/yr | $94.57 $1,135/yr | $181.73 $2,181/yr | $357.94 $4,295/yr | $709.67 $8,516/yr |
| Age 44 | $58.21 $698/yr | $104.03 $1,248/yr | $200.27 $2,403/yr | $395.02 $4,740/yr | $783.83 $9,406/yr |
| Age 45 | $64.32 $772/yr | $114.78 $1,377/yr | $221.32 $2,656/yr | $437.12 $5,245/yr | $868.03 $10,416/yr |
| Age 46 | $78.57 $943/yr | $151.64 $1,820/yr | $297.76 $3,573/yr | $590.00 $7,080/yr | $1173.79 $14,085/yr |
| Age 47 | $86.73 $1,041/yr | $167.40 $2,009/yr | $329.27 $3,951/yr | $653.02 $7,836/yr | $1299.83 $15,598/yr |
| Age 48 | $98.90 $1,187/yr | $186.33 $2,236/yr | $364.07 $4,369/yr | $722.62 $8,671/yr | $1439.03 $17,268/yr |
| Age 49 | $112.17 $1,346/yr | $212.74 $2,553/yr | $409.67 $4,916/yr | $813.82 $9,766/yr | $1621.43 $19,457/yr |
| Age 50 | $126.81 $1,522/yr | $241.86 $2,902/yr | $465.69 $5,588/yr | $925.86 $11,110/yr | $1845.51 $22,146/yr |
| Age 51 | — | — | — | — | — |
| Age 52 | — | — | — | — | — |
| Age 53 | — | — | — | — | — |
| Age 54 | — | — | — | — | — |
| Age 55 | — | — | — | — | — |
| Age 56 | — | — | — | — | — |
| Age 57 | — | — | — | — | — |
| Age 58 | — | — | — | — | — |
| Age 59 | — | — | — | — | — |
| Age 60 | — | — | — | — | — |
| Age 61 | — | — | — | — | — |
| Age 62 | — | — | — | — | — |
| Age 63 | — | — | — | — | — |
| Age 64 | — | — | — | — | — |
| Age 65 | — | — | — | — | — |
Standard Health Class TapClick any price to see all three rates
| Age | $250K$250K | $500K$500K | $1M$1M | $2M$2M | $4M$4M |
|---|---|---|---|---|---|
| Age 20 | $40.16 $482/yr | $71.32 $856/yr | $122.01 $1,464/yr | $238.50 $2,862/yr | $470.79 $5,649/yr |
| Age 21 | $40.16 $482/yr | $71.32 $856/yr | $122.01 $1,464/yr | $238.50 $2,862/yr | $470.79 $5,649/yr |
| Age 22 | $40.16 $482/yr | $71.32 $856/yr | $122.01 $1,464/yr | $238.50 $2,862/yr | $470.79 $5,649/yr |
| Age 23 | $40.16 $482/yr | $71.32 $856/yr | $122.01 $1,464/yr | $238.50 $2,862/yr | $470.79 $5,649/yr |
| Age 24 | $40.16 $482/yr | $71.32 $856/yr | $122.01 $1,464/yr | $238.50 $2,862/yr | $470.79 $5,649/yr |
| Age 25 | $40.16 $482/yr | $71.32 $856/yr | $122.01 $1,464/yr | $238.50 $2,862/yr | $470.79 $5,649/yr |
| Age 26 | $40.39 $485/yr | $71.71 $860/yr | $123.75 $1,485/yr | $241.98 $2,904/yr | $477.75 $5,733/yr |
| Age 27 | $40.67 $488/yr | $72.16 $866/yr | $125.73 $1,509/yr | $245.94 $2,951/yr | $485.67 $5,828/yr |
| Age 28 | $40.94 $491/yr | $72.63 $872/yr | $127.82 $1,534/yr | $250.12 $3,001/yr | $494.03 $5,928/yr |
| Age 29 | $41.12 $493/yr | $73.27 $879/yr | $130.61 $1,567/yr | $255.70 $3,068/yr | $505.19 $6,062/yr |
| Age 30 | $41.28 $495/yr | $73.96 $887/yr | $133.63 $1,604/yr | $261.74 $3,141/yr | $517.27 $6,207/yr |
| Age 31 | $42.01 $504/yr | $75.22 $903/yr | $137.32 $1,648/yr | $269.14 $3,230/yr | $532.07 $6,385/yr |
| Age 32 | $42.78 $513/yr | $76.66 $920/yr | $140.38 $1,684/yr | $275.22 $3,303/yr | $544.23 $6,531/yr |
| Age 33 | $43.36 $520/yr | $78.18 $938/yr | $144.13 $1,730/yr | $282.74 $3,393/yr | $559.27 $6,711/yr |
| Age 34 | $44.76 $537/yr | $80.21 $962/yr | $148.61 $1,783/yr | $291.69 $3,500/yr | $577.16 $6,926/yr |
| Age 35 | $46.04 $552/yr | $82.45 $989/yr | $151.57 $1,819/yr | $297.64 $3,572/yr | $589.07 $7,069/yr |
| Age 36 | $48.63 $584/yr | $87.52 $1,050/yr | $161.25 $1,935/yr | $316.98 $3,804/yr | $627.75 $7,533/yr |
| Age 37 | $51.78 $621/yr | $93.26 $1,119/yr | $172.19 $2,066/yr | $338.86 $4,066/yr | $671.51 $8,058/yr |
| Age 38 | $55.66 $668/yr | $100.36 $1,204/yr | $185.77 $2,229/yr | $366.09 $4,393/yr | $726.01 $8,712/yr |
| Age 39 | $59.57 $715/yr | $107.79 $1,293/yr | $199.94 $2,399/yr | $394.45 $4,733/yr | $782.72 $9,393/yr |
| Age 40 | $63.96 $768/yr | $116.24 $1,395/yr | $216.06 $2,593/yr | $426.68 $5,120/yr | $847.18 $10,166/yr |
| Age 41 | $69.63 $836/yr | $126.61 $1,519/yr | $236.46 $2,837/yr | $467.40 $5,609/yr | $928.59 $11,143/yr |
| Age 42 | $75.82 $910/yr | $138.32 $1,660/yr | $259.62 $3,115/yr | $513.72 $6,165/yr | $1021.23 $12,255/yr |
| Age 43 | $83.46 $1,001/yr | $152.87 $1,834/yr | $288.23 $3,459/yr | $570.94 $6,851/yr | $1135.67 $13,628/yr |
| Age 44 | $91.46 $1,097/yr | $168.08 $2,017/yr | $318.20 $3,818/yr | $630.88 $7,571/yr | $1255.55 $15,067/yr |
| Age 45 | $100.91 $1,211/yr | $185.38 $2,224/yr | $352.26 $4,227/yr | $699.00 $8,388/yr | $1391.79 $16,701/yr |
| Age 46 | $115.57 $1,387/yr | $214.92 $2,579/yr | $419.58 $5,035/yr | $833.64 $10,004/yr | $1661.07 $19,933/yr |
| Age 47 | $126.34 $1,516/yr | $236.45 $2,837/yr | $460.07 $5,521/yr | $914.62 $10,975/yr | $1823.03 $21,876/yr |
| Age 48 | $138.54 $1,662/yr | $260.81 $3,130/yr | $505.96 $6,071/yr | $1006.40 $12,077/yr | $2006.59 $24,079/yr |
| Age 49 | $151.67 $1,820/yr | $287.06 $3,445/yr | $555.49 $6,666/yr | $1105.46 $13,266/yr | $2204.71 $26,457/yr |
| Age 50 | $165.97 $1,992/yr | $315.65 $3,788/yr | $609.52 $7,314/yr | $1213.52 $14,562/yr | $2420.83 $29,050/yr |
| Age 51 | — | — | — | — | — |
| Age 52 | — | — | — | — | — |
| Age 53 | — | — | — | — | — |
| Age 54 | — | — | — | — | — |
| Age 55 | — | — | — | — | — |
| Age 56 | — | — | — | — | — |
| Age 57 | — | — | — | — | — |
| Age 58 | — | — | — | — | — |
| Age 59 | — | — | — | — | — |
| Age 60 | — | — | — | — | — |
| Age 61 | — | — | — | — | — |
| Age 62 | — | — | — | — | — |
| Age 63 | — | — | — | — | — |
| Age 64 | — | — | — | — | — |
| Age 65 | — | — | — | — | — |
Standard Tobacco Health Class TapClick any price to see all three rates
| Age | $250K$250K | $500K$500K | $1M$1M | $2M$2M | $4M$4M |
|---|---|---|---|---|---|
| Age 20 | $94.77 $1,137/yr | $164.26 $1,971/yr | $315.14 $3,782/yr | $622.69 $7,472/yr | $1239.21 $14,871/yr |
| Age 21 | $94.77 $1,137/yr | $164.26 $1,971/yr | $315.14 $3,782/yr | $622.69 $7,472/yr | $1239.21 $14,871/yr |
| Age 22 | $94.77 $1,137/yr | $164.26 $1,971/yr | $315.14 $3,782/yr | $622.69 $7,472/yr | $1239.21 $14,871/yr |
| Age 23 | $94.77 $1,137/yr | $164.26 $1,971/yr | $315.14 $3,782/yr | $622.69 $7,472/yr | $1239.21 $14,871/yr |
| Age 24 | $94.77 $1,137/yr | $164.26 $1,971/yr | $315.14 $3,782/yr | $622.69 $7,472/yr | $1239.21 $14,871/yr |
| Age 25 | $94.77 $1,137/yr | $164.26 $1,971/yr | $315.14 $3,782/yr | $622.69 $7,472/yr | $1239.21 $14,871/yr |
| Age 26 | $96.85 $1,162/yr | $168.33 $2,020/yr | $323.93 $3,887/yr | $640.29 $7,683/yr | $1274.40 $15,293/yr |
| Age 27 | $99.26 $1,191/yr | $173.06 $2,077/yr | $334.18 $4,010/yr | $660.77 $7,929/yr | $1315.37 $15,784/yr |
| Age 28 | $102.11 $1,225/yr | $178.64 $2,144/yr | $346.24 $4,155/yr | $684.89 $8,219/yr | $1363.61 $16,363/yr |
| Age 29 | $105.74 $1,269/yr | $185.75 $2,229/yr | $361.63 $4,340/yr | $715.68 $8,588/yr | $1425.19 $17,102/yr |
| Age 30 | $109.77 $1,317/yr | $193.64 $2,324/yr | $378.71 $4,544/yr | $749.83 $8,998/yr | $1493.49 $17,922/yr |
| Age 31 | $114.23 $1,371/yr | $199.17 $2,390/yr | $389.92 $4,679/yr | $772.26 $9,267/yr | $1538.34 $18,460/yr |
| Age 32 | $118.93 $1,427/yr | $205.00 $2,460/yr | $401.73 $4,821/yr | $795.89 $9,551/yr | $1585.60 $19,027/yr |
| Age 33 | $124.07 $1,489/yr | $211.36 $2,536/yr | $414.64 $4,976/yr | $821.69 $9,860/yr | $1637.21 $19,647/yr |
| Age 34 | $129.42 $1,553/yr | $218.00 $2,616/yr | $428.08 $5,137/yr | $848.57 $10,183/yr | $1690.97 $20,292/yr |
| Age 35 | $135.34 $1,624/yr | $225.32 $2,704/yr | $442.93 $5,315/yr | $878.29 $10,539/yr | $1750.40 $21,005/yr |
| Age 36 | $144.63 $1,736/yr | $242.13 $2,906/yr | $476.30 $5,716/yr | $945.01 $11,340/yr | $1883.85 $22,606/yr |
| Age 37 | $154.79 $1,857/yr | $260.52 $3,126/yr | $512.79 $6,153/yr | $1017.99 $12,216/yr | $2029.81 $24,358/yr |
| Age 38 | $167.36 $2,008/yr | $283.26 $3,399/yr | $557.91 $6,695/yr | $1108.25 $13,299/yr | $2210.32 $26,524/yr |
| Age 39 | $181.38 $2,176/yr | $308.61 $3,703/yr | $608.23 $7,299/yr | $1208.89 $14,507/yr | $2411.60 $28,939/yr |
| Age 40 | $197.24 $2,367/yr | $337.30 $4,048/yr | $665.17 $7,982/yr | $1322.77 $15,873/yr | $2639.36 $31,672/yr |
| Age 41 | $214.53 $2,574/yr | $367.72 $4,413/yr | $726.31 $8,716/yr | $1444.97 $17,340/yr | $2882.28 $34,587/yr |
| Age 42 | $233.83 $2,806/yr | $401.13 $4,814/yr | $792.76 $9,513/yr | $1577.86 $18,934/yr | $3148.08 $37,777/yr |
| Age 43 | $254.38 $3,053/yr | $436.70 $5,240/yr | $863.52 $10,362/yr | $1719.39 $20,633/yr | $3431.13 $41,174/yr |
| Age 44 | $276.16 $3,314/yr | $474.42 $5,693/yr | $938.53 $11,262/yr | $1869.41 $22,433/yr | $3731.17 $44,774/yr |
| Age 45 | $285.89 $3,431/yr | $489.61 $5,875/yr | $968.03 $11,616/yr | $1928.42 $23,141/yr | $3849.18 $46,190/yr |
| Age 46 | — | — | — | — | — |
| Age 47 | — | — | — | — | — |
| Age 48 | — | — | — | — | — |
| Age 49 | — | — | — | — | — |
| Age 50 | — | — | — | — | — |
| Age 51 | — | — | — | — | — |
| Age 52 | — | — | — | — | — |
| Age 53 | — | — | — | — | — |
| Age 54 | — | — | — | — | — |
| Age 55 | — | — | — | — | — |
| Age 56 | — | — | — | — | — |
| Age 57 | — | — | — | — | — |
| Age 58 | — | — | — | — | — |
| Age 59 | — | — | — | — | — |
| Age 60 | — | — | — | — | — |
| Age 61 | — | — | — | — | — |
| Age 62 | — | — | — | — | — |
| Age 63 | — | — | — | — | — |
| Age 64 | — | — | — | — | — |
| Age 65 | — | — | — | — | — |
Female Rates — 35-Year Term
Preferred Health Class TapClick any price to see all three rates
| Age | $250K$250K | $500K$500K | $1M$1M | $2M$2M | $4M$4M |
|---|---|---|---|---|---|
| Age 20 | $20.86 $250/yr | $32.45 $389/yr | $55.20 $662/yr | $104.87 $1,258/yr | $203.52 $2,442/yr |
| Age 21 | $20.86 $250/yr | $32.45 $389/yr | $55.20 $662/yr | $104.87 $1,258/yr | $203.52 $2,442/yr |
| Age 22 | $20.86 $250/yr | $32.45 $389/yr | $55.20 $662/yr | $104.87 $1,258/yr | $203.52 $2,442/yr |
| Age 23 | $20.86 $250/yr | $32.45 $389/yr | $55.20 $662/yr | $104.87 $1,258/yr | $203.52 $2,442/yr |
| Age 24 | $20.86 $250/yr | $32.45 $389/yr | $55.20 $662/yr | $104.87 $1,258/yr | $203.52 $2,442/yr |
| Age 25 | $20.86 $250/yr | $32.45 $389/yr | $55.20 $662/yr | $104.87 $1,258/yr | $203.52 $2,442/yr |
| Age 26 | $21.16 $254/yr | $33.16 $398/yr | $56.09 $673/yr | $106.66 $1,280/yr | $207.09 $2,485/yr |
| Age 27 | $21.49 $258/yr | $34.02 $408/yr | $57.71 $692/yr | $109.88 $1,319/yr | $213.53 $2,562/yr |
| Age 28 | $21.82 $262/yr | $34.92 $419/yr | $59.49 $714/yr | $113.46 $1,362/yr | $220.69 $2,648/yr |
| Age 29 | $22.16 $266/yr | $36.07 $433/yr | $61.28 $735/yr | $117.04 $1,404/yr | $227.85 $2,734/yr |
| Age 30 | $22.57 $271/yr | $36.46 $437/yr | $63.61 $763/yr | $121.69 $1,460/yr | $237.16 $2,846/yr |
| Age 31 | $23.08 $277/yr | $37.21 $446/yr | $65.04 $780/yr | $124.55 $1,495/yr | $242.88 $2,915/yr |
| Age 32 | $23.69 $284/yr | $38.05 $457/yr | $66.82 $802/yr | $128.13 $1,538/yr | $250.04 $3,000/yr |
| Age 33 | $24.24 $291/yr | $38.95 $467/yr | $68.62 $823/yr | $131.71 $1,581/yr | $257.20 $3,086/yr |
| Age 34 | $24.87 $298/yr | $40.14 $482/yr | $70.97 $852/yr | $136.42 $1,637/yr | $266.63 $3,200/yr |
| Age 35 | $25.39 $305/yr | $41.43 $497/yr | $74.56 $895/yr | $143.60 $1,723/yr | $280.99 $3,372/yr |
| Age 36 | $26.47 $318/yr | $43.66 $524/yr | $79.44 $953/yr | $153.38 $1,841/yr | $300.55 $3,607/yr |
| Age 37 | $27.78 $333/yr | $46.18 $554/yr | $84.97 $1,020/yr | $164.42 $1,973/yr | $322.63 $3,872/yr |
| Age 38 | $29.39 $353/yr | $49.31 $592/yr | $91.81 $1,102/yr | $178.10 $2,137/yr | $349.99 $4,200/yr |
| Age 39 | $31.09 $373/yr | $52.58 $631/yr | $98.97 $1,188/yr | $192.42 $2,309/yr | $378.63 $4,544/yr |
| Age 40 | $32.89 $395/yr | $56.32 $676/yr | $107.10 $1,285/yr | $208.68 $2,504/yr | $411.15 $4,934/yr |
| Age 41 | $35.25 $423/yr | $60.74 $729/yr | $115.71 $1,388/yr | $225.90 $2,711/yr | $445.59 $5,347/yr |
| Age 42 | $37.78 $453/yr | $65.78 $789/yr | $125.46 $1,505/yr | $245.40 $2,945/yr | $484.59 $5,815/yr |
| Age 43 | $41.10 $493/yr | $71.97 $864/yr | $137.14 $1,646/yr | $268.76 $3,225/yr | $531.31 $6,376/yr |
| Age 44 | $44.47 $534/yr | $78.50 $942/yr | $148.94 $1,787/yr | $292.36 $3,508/yr | $578.51 $6,942/yr |
| Age 45 | $48.36 $580/yr | $85.45 $1,025/yr | $162.30 $1,948/yr | $319.08 $3,829/yr | $631.95 $7,583/yr |
| Age 46 | $55.72 $669/yr | $101.67 $1,220/yr | $195.34 $2,344/yr | $385.16 $4,622/yr | $764.11 $9,169/yr |
| Age 47 | $64.10 $769/yr | $117.90 $1,415/yr | $227.73 $2,733/yr | $449.94 $5,399/yr | $893.67 $10,724/yr |
| Age 48 | $73.59 $883/yr | $136.24 $1,635/yr | $264.39 $3,173/yr | $523.26 $6,279/yr | $1040.31 $12,484/yr |
| Age 49 | $84.27 $1,011/yr | $156.89 $1,883/yr | $305.77 $3,669/yr | $606.02 $7,272/yr | $1205.83 $14,470/yr |
| Age 50 | $96.45 $1,157/yr | $180.51 $2,166/yr | $353.09 $4,237/yr | $700.66 $8,408/yr | $1395.11 $16,741/yr |
| Age 51 | — | — | — | — | — |
| Age 52 | — | — | — | — | — |
| Age 53 | — | — | — | — | — |
| Age 54 | — | — | — | — | — |
| Age 55 | — | — | — | — | — |
| Age 56 | — | — | — | — | — |
| Age 57 | — | — | — | — | — |
| Age 58 | — | — | — | — | — |
| Age 59 | — | — | — | — | — |
| Age 60 | — | — | — | — | — |
| Age 61 | — | — | — | — | — |
| Age 62 | — | — | — | — | — |
| Age 63 | — | — | — | — | — |
| Age 64 | — | — | — | — | — |
| Age 65 | — | — | — | — | — |
Standard Health Class TapClick any price to see all three rates
| Age | $250K$250K | $500K$500K | $1M$1M | $2M$2M | $4M$4M |
|---|---|---|---|---|---|
| Age 20 | $30.03 $360/yr | $51.29 $615/yr | $92.10 $1,105/yr | $178.70 $2,144/yr | $351.19 $4,214/yr |
| Age 21 | $30.03 $360/yr | $51.29 $615/yr | $92.10 $1,105/yr | $178.70 $2,144/yr | $351.19 $4,214/yr |
| Age 22 | $30.03 $360/yr | $51.29 $615/yr | $92.10 $1,105/yr | $178.70 $2,144/yr | $351.19 $4,214/yr |
| Age 23 | $30.03 $360/yr | $51.29 $615/yr | $92.10 $1,105/yr | $178.70 $2,144/yr | $351.19 $4,214/yr |
| Age 24 | $30.03 $360/yr | $51.29 $615/yr | $92.10 $1,105/yr | $178.70 $2,144/yr | $351.19 $4,214/yr |
| Age 25 | $30.03 $360/yr | $51.29 $615/yr | $92.10 $1,105/yr | $178.70 $2,144/yr | $351.19 $4,214/yr |
| Age 26 | $30.35 $364/yr | $52.16 $626/yr | $93.80 $1,126/yr | $182.08 $2,185/yr | $357.95 $4,295/yr |
| Age 27 | $30.73 $369/yr | $53.15 $638/yr | $94.06 $1,129/yr | $182.68 $2,192/yr | $359.19 $4,310/yr |
| Age 28 | $31.15 $374/yr | $54.19 $650/yr | $95.11 $1,141/yr | $184.79 $2,217/yr | $363.40 $4,361/yr |
| Age 29 | $31.69 $380/yr | $55.59 $667/yr | $97.91 $1,175/yr | $190.38 $2,285/yr | $374.58 $4,495/yr |
| Age 30 | $32.30 $388/yr | $57.10 $685/yr | $100.93 $1,211/yr | $196.42 $2,357/yr | $386.66 $4,640/yr |
| Age 31 | $32.97 $396/yr | $58.27 $699/yr | $105.66 $1,268/yr | $205.89 $2,471/yr | $405.60 $4,867/yr |
| Age 32 | $33.77 $405/yr | $59.61 $715/yr | $108.88 $1,307/yr | $212.33 $2,548/yr | $418.48 $5,022/yr |
| Age 33 | $34.61 $415/yr | $61.03 $732/yr | $111.93 $1,343/yr | $218.41 $2,621/yr | $430.65 $5,168/yr |
| Age 34 | $35.74 $429/yr | $62.92 $755/yr | $115.33 $1,384/yr | $225.21 $2,703/yr | $444.25 $5,331/yr |
| Age 35 | $36.69 $440/yr | $64.96 $780/yr | $119.26 $1,431/yr | $233.09 $2,797/yr | $460.00 $5,520/yr |
| Age 36 | $38.60 $463/yr | $68.53 $822/yr | $125.11 $1,501/yr | $244.78 $2,937/yr | $483.38 $5,801/yr |
| Age 37 | $40.15 $482/yr | $72.58 $871/yr | $133.36 $1,600/yr | $261.29 $3,135/yr | $516.40 $6,197/yr |
| Age 38 | $42.89 $515/yr | $77.58 $931/yr | $143.56 $1,723/yr | $281.69 $3,380/yr | $557.20 $6,686/yr |
| Age 39 | $45.76 $549/yr | $82.82 $994/yr | $154.26 $1,851/yr | $303.07 $3,637/yr | $599.97 $7,200/yr |
| Age 40 | $49.02 $588/yr | $88.77 $1,065/yr | $167.22 $2,007/yr | $329.00 $3,948/yr | $651.82 $7,822/yr |
| Age 41 | $52.29 $627/yr | $95.19 $1,142/yr | $178.86 $2,146/yr | $352.27 $4,227/yr | $698.37 $8,380/yr |
| Age 42 | $57.48 $690/yr | $102.46 $1,230/yr | $192.77 $2,313/yr | $380.10 $4,561/yr | $754.03 $9,048/yr |
| Age 43 | $62.21 $747/yr | $111.45 $1,337/yr | $210.35 $2,524/yr | $415.26 $4,983/yr | $824.34 $9,892/yr |
| Age 44 | $67.17 $806/yr | $120.86 $1,450/yr | $228.20 $2,738/yr | $450.96 $5,412/yr | $895.74 $10,749/yr |
| Age 45 | $73.03 $876/yr | $131.55 $1,579/yr | $248.79 $2,985/yr | $492.13 $5,906/yr | $978.09 $11,737/yr |
| Age 46 | $81.72 $981/yr | $152.67 $1,832/yr | $296.56 $3,559/yr | $587.60 $7,051/yr | $1168.99 $14,028/yr |
| Age 47 | $89.28 $1,071/yr | $167.24 $2,007/yr | $324.69 $3,896/yr | $643.86 $7,726/yr | $1281.51 $15,378/yr |
| Age 48 | $97.96 $1,175/yr | $183.97 $2,208/yr | $357.07 $4,285/yr | $708.62 $8,503/yr | $1411.03 $16,932/yr |
| Age 49 | $107.64 $1,292/yr | $202.64 $2,432/yr | $393.23 $4,719/yr | $780.94 $9,371/yr | $1555.67 $18,668/yr |
| Age 50 | $118.55 $1,423/yr | $223.70 $2,684/yr | $434.06 $5,209/yr | $862.60 $10,351/yr | $1718.99 $20,628/yr |
| Age 51 | — | — | — | — | — |
| Age 52 | — | — | — | — | — |
| Age 53 | — | — | — | — | — |
| Age 54 | — | — | — | — | — |
| Age 55 | — | — | — | — | — |
| Age 56 | — | — | — | — | — |
| Age 57 | — | — | — | — | — |
| Age 58 | — | — | — | — | — |
| Age 59 | — | — | — | — | — |
| Age 60 | — | — | — | — | — |
| Age 61 | — | — | — | — | — |
| Age 62 | — | — | — | — | — |
| Age 63 | — | — | — | — | — |
| Age 64 | — | — | — | — | — |
| Age 65 | — | — | — | — | — |
Standard Tobacco Health Class TapClick any price to see all three rates
| Age | $250K$250K | $500K$500K | $1M$1M | $2M$2M | $4M$4M |
|---|---|---|---|---|---|
| Age 20 | $69.41 $833/yr | $130.38 $1,565/yr | $245.44 $2,945/yr | $483.29 $5,799/yr | $960.41 $11,525/yr |
| Age 21 | $69.41 $833/yr | $130.38 $1,565/yr | $245.44 $2,945/yr | $483.29 $5,799/yr | $960.41 $11,525/yr |
| Age 22 | $69.41 $833/yr | $130.38 $1,565/yr | $245.44 $2,945/yr | $483.29 $5,799/yr | $960.41 $11,525/yr |
| Age 23 | $69.41 $833/yr | $130.38 $1,565/yr | $245.44 $2,945/yr | $483.29 $5,799/yr | $960.41 $11,525/yr |
| Age 24 | $69.41 $833/yr | $130.38 $1,565/yr | $245.44 $2,945/yr | $483.29 $5,799/yr | $960.41 $11,525/yr |
| Age 25 | $69.41 $833/yr | $130.38 $1,565/yr | $245.44 $2,945/yr | $483.29 $5,799/yr | $960.41 $11,525/yr |
| Age 26 | $71.80 $862/yr | $134.18 $1,610/yr | $250.83 $3,010/yr | $494.09 $5,929/yr | $982.00 $11,784/yr |
| Age 27 | $74.61 $895/yr | $138.29 $1,659/yr | $257.20 $3,086/yr | $506.82 $6,082/yr | $1007.46 $12,090/yr |
| Age 28 | $77.58 $931/yr | $142.63 $1,712/yr | $263.92 $3,167/yr | $520.27 $6,243/yr | $1034.36 $12,412/yr |
| Age 29 | $80.82 $970/yr | $147.38 $1,768/yr | $271.27 $3,255/yr | $534.97 $6,420/yr | $1063.77 $12,765/yr |
| Age 30 | $84.41 $1,013/yr | $152.65 $1,832/yr | $279.44 $3,353/yr | $551.29 $6,615/yr | $1096.41 $13,157/yr |
| Age 31 | $86.05 $1,033/yr | $156.73 $1,881/yr | $290.84 $3,490/yr | $574.11 $6,889/yr | $1142.03 $13,704/yr |
| Age 32 | $87.90 $1,055/yr | $161.31 $1,936/yr | $303.66 $3,644/yr | $599.74 $7,197/yr | $1193.31 $14,320/yr |
| Age 33 | $89.90 $1,079/yr | $166.28 $1,995/yr | $317.58 $3,811/yr | $627.59 $7,531/yr | $1249.00 $14,988/yr |
| Age 34 | $92.12 $1,105/yr | $171.82 $2,062/yr | $333.07 $3,997/yr | $658.56 $7,903/yr | $1310.95 $15,731/yr |
| Age 35 | $94.55 $1,135/yr | $178.29 $2,139/yr | $349.99 $4,200/yr | $692.39 $8,309/yr | $1378.61 $16,543/yr |
| Age 36 | $100.17 $1,202/yr | $189.18 $2,270/yr | $371.76 $4,461/yr | $735.95 $8,831/yr | $1465.71 $17,589/yr |
| Age 37 | $106.18 $1,274/yr | $200.97 $2,412/yr | $395.07 $4,741/yr | $782.56 $9,391/yr | $1558.94 $18,707/yr |
| Age 38 | $113.27 $1,359/yr | $215.05 $2,581/yr | $422.54 $5,070/yr | $837.50 $10,050/yr | $1668.83 $20,026/yr |
| Age 39 | $121.07 $1,453/yr | $230.55 $2,767/yr | $452.78 $5,433/yr | $897.97 $10,776/yr | $1789.77 $21,477/yr |
| Age 40 | $129.63 $1,556/yr | $247.56 $2,971/yr | $485.99 $5,832/yr | $964.39 $11,573/yr | $1922.61 $23,071/yr |
| Age 41 | $140.13 $1,682/yr | $268.37 $3,220/yr | $523.02 $6,276/yr | $1038.40 $12,461/yr | $2069.14 $24,830/yr |
| Age 42 | $152.03 $1,824/yr | $291.58 $3,499/yr | $568.70 $6,824/yr | $1129.74 $13,557/yr | $2251.83 $27,022/yr |
| Age 43 | $164.83 $1,978/yr | $316.54 $3,798/yr | $617.79 $7,413/yr | $1227.93 $14,735/yr | $2448.20 $29,378/yr |
| Age 44 | $178.59 $2,143/yr | $343.35 $4,120/yr | $670.55 $8,047/yr | $1333.45 $16,001/yr | $2659.24 $31,911/yr |
| Age 45 | $192.69 $2,312/yr | $371.49 $4,458/yr | $726.00 $8,712/yr | $1444.36 $17,332/yr | $2881.07 $34,573/yr |
| Age 46 | — | — | — | — | — |
| Age 47 | — | — | — | — | — |
| Age 48 | — | — | — | — | — |
| Age 49 | — | — | — | — | — |
| Age 50 | — | — | — | — | — |
| Age 51 | — | — | — | — | — |
| Age 52 | — | — | — | — | — |
| Age 53 | — | — | — | — | — |
| Age 54 | — | — | — | — | — |
| Age 55 | — | — | — | — | — |
| Age 56 | — | — | — | — | — |
| Age 57 | — | — | — | — | — |
| Age 58 | — | — | — | — | — |
| Age 59 | — | — | — | — | — |
| Age 60 | — | — | — | — | — |
| Age 61 | — | — | — | — | — |
| Age 62 | — | — | — | — | — |
| Age 63 | — | — | — | — | — |
| Age 64 | — | — | — | — | — |
| Age 65 | — | — | — | — | — |
How These Rates Are Calculated
We quote every combination of age, gender, coverage amount, term length, and health class from the carriers we work with. Each rate you see is the average of up to 3 lowest approved-carrier quotes—a summary of the quotes recorded for that combination. These rates are for Texas residents.
These rates are for illustrative and research purposes. Your actual rate will depend on full underwriting. Get a personalized quote →
Frequently Asked Questions
Which ages have 35-year quotes in this index?
The retained Texas sweep contains 35-year quotes at ages 20–50. Availability varies by coverage amount, sex and health class. These observations are not eligibility limits or a guarantee of approval. The tables and age selector cover ages 20–65, including combinations with no quote.
How are these rates calculated?
Each rate averages up to three lowest quotes from distinct approved carriers, using each carrier’s cheapest product. When only one carrier offers a quote, that quote supplies the rate and is marked as a single-carrier result in Quick Rate Check.
What does a dash or N/A mean?
No approved-carrier quote was recorded for that combination in this retained sweep. It does not mean a zero-dollar price or a decision about your eligibility.
Are these current personalized quotes?
No. These are research quotes from the retained Texas sweep, dated 2026-10-24. Actual availability and pricing require a personalized quote and underwriting.
Request a Personalized Quote
These are market averages. Your actual premium depends on your health, lifestyle, and the carrier. Get a free, no-obligation quote tailored to you.
Get My Quote →