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Term Life Insurance Rates By Age

Are you wondering where to find term life insurance rates based on your age?

We have published rates for ages 30 up to 79 all in this article.

If you are younger than 30 or older than 79 you can get your life insurance rates by age by completing this quote request:

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It seems like now more than ever life insurance companies and drug companies are advertising directly to consumers.

Certainly, that’s not a bad thing, but most people will agree that these are bullet-point commercial scripts that are heavy on why you should buy life insurance and lack on what it will actually cost you.

You’ve probably heard of the “elevator pitch” and that’s pretty much what you’ll get from a television commercial. Although, and this really is a waste of time, they always put disclaimers at the bottom of the commercial in a font that is so small, practically no one can read it.

In cases where the fake insurance agent does offer rates, they will be based on preferred plus underwriting which most Americans won’t qualify for. They forget to mention the height and weight chart that you must fit into and that the rate is for a 10-year term insurance policy.

The commercial announcer will always, always provide the lowest rate possible to motivate you to call the number at the bottom of the screen or go online to apply now.

Here, we’re going to give you the truth about life insurance and it’s not going to be an elevator pitch.

Your needs are not the same as you neighbors.  That is why you can purchase life insurance policies in many different amounts.  Some of the most common life insurance policies are found in the following amounts:

How Your Life Insurance Rates are Calculated

In simple terms, your rates are set according to your risk. To make this clearer for you, let’s take a look at the definition of RISK according to our old friend Merriam-Webster:


Definition of risk

1: a possibility of loss or injury: peril

2: someone or something that creates or suggests a hazard

3 a: the chance of loss or the perils to the subject matter of an insurance contract; also: the degree of probability of such loss

b: a person or thing that is a specified hazard to an insurer

c: an insurance hazard from a specified cause or source – war risk

4: the chance that an investment (such as a stock or commodity) will lose value


If you’ve ever filled out a traditional life insurance application, you will certainly have an idea of how a life insurer goes about measuring your risk. Every question on the application is a building block of your risk profile. We can, however, break your risk (exposure) down into blocks:

  • Your age underwriter check list
  • Your health – this includes current and previous health (usually for last 5 or 10 years)
  • Your parents’ and siblings’’ health
  • Your lifestyle ( this typically includes questions about alcohol and drug consumption
  • Your hobbies – the insurer will ask about hobbies considered hazardous (mountain climbing, cave diving, personal aircraft, deep sea scuba diving, and skydiving
  • Your occupation – certainly there are many occupations that are hazardous (military, fireman, police officer, pilot)
  • Your travel – Many companies want to know if you are planning now or in the future to visit countries that our government has issued travel warnings for.


Your life insurance application is the most important part of the underwriting process. Other items that underwriters use like a medical exam, MIB, ScriptCheck, or MVR report will either substantiate your answers on the application or contradict them. Knowing this, applicants should be truthful and forthcoming on their life insurance application.  We  think it is important to know what is involved in a medical exam and how you can pass a life insurance medical exam.


Is it better to Apply for No Medical Exam Life Insurance?


life insurance medical exam There are a lot of insurance companies that offer no exam life insurance and doing so certainly makes things easier for the applicant. However, the life insurance rates by age for these non-medical life insurance policies could be priced higher than the rates for fully underwritten life insurance because, without the medical exam, you present a higher risk to the insurer.

And there’s a clause in every insurance contract called the “incontestability clause.” This clause allows the insurance company to investigate any death claim that is filed within two years of when the policy was issued. This means that if you declared you are a non-smoker and the company discovers during their investigation that you were a regular smoker, the company can deny the insurance claims.


Here’s how we can Help You Shop Term Life Insurance Rates by Age


Shopping for the best life insurance by age is one of the most important things that you will do in your lifetime. Thankfully, because of technology, getting insurance quotes is easier than ever before. Most independent agents provide “comparative raters” on their website where you can enter minimal information and receive a quote from multiple insurance companies.

These instant quotes are a starting point, however, not an offer to sell an insurance policy for the price you received. But a starting point lets you know who’s competitive and who isn’t and provides you with enough information for you to contact or email that agent to discuss your insurance needs. In most cases, after you have spoken to an agent and provided the necessary information he or she requires, you will know what your insurance will cost rather than just having a web quote.

 Let’s start with Life Insurance rates in your thirties and go from there…  


Life Insurance Rates by Age Chart in Your Thirties


Life insurance in your 30s Your life insurance coverage needs have just begun. It may be just you and your spouse right now. Once children join the household, your most important obligations will have arrived. Their well-being as they grow, attend college, and eventually leave the nest will be the most important factor in your life insurance coverage for the next couple of decades. The younger you are when you buy life insurance, the cheaper the life insurance rates.

The premiums for life insurance in your thirties are amazingly affordable. Especially if you are in excellent health, making sure your household is protected financially until your kids are on their own will be very easy on your budget. Staying healthy and staying away from tobacco will allow you to take advantage of the best life insurance rates by age.

You may have a mortgage. This is another important consideration. If you are in a small business partnership, life insurance can be a key support in the event of a partner’s unexpected death. Let Ogletree Financial shop the top insurers to get you the best deal on the coverage you need.


Life Insurance at age 30CLICK HERE
Life Insurance at age 31CLICK HERE
Life Insurance at age 32CLICK HERE
Life Insurance at age 33CLICK HERE
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Life Insurance at age 35CLICK HERE
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Life Insurance at age 39CLICK HERE


“In the end, it’s not the years in your life that count. It’s the life in your years.” -Abraham Lincoln


As you can see when you review our term life insurance rates by age when you’re in your thirties and healthy, you can buy $1 million worth of life insurance coverage for less than you’d spend on a couple of large pizzas!

You may even want to consider buying an indexed universal life insurance policy that will build cash value based on what the stock market growth is.


Life Insurance Rates by Age in Your Forties


life insurance in your 40s You can still get cheap life insurance.

The demands on your income may be at a peak in your forties, your household full and your salary growing.

The expense of your children’s education will soon be a reality, or it already is. If you are building a small business, protecting your hard-earned interest in that enterprise should be a priority You might even be making serious plans for your retirement.

The level of debt you are carrying may be at a peak in your forties.

Mortgages, personal loans and credit cards are a fact of life you are proud to bear for your family. You don’t want the unexpected death of you or your spouse for that matter to place the ones you love in an unwinnable financial dilemma. 

Dave Ramsey has a course called Financial Peace that teaches you to shed your debt.  Dave Ramsey is a huge proponent of term life insurance.

As far as your premiums are concerned, they aren’t that much higher than for those in their thirties, especially if you are healthy. Life insurance over 40 is a smart investment for the ones you love the most that will be easy on your budget.

Term life insurance rates by age in Your Forties


Life Insurance at age 40CLICK HERE
Life Insurance at age 41CLICK HERE
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Even in you’re out of your thirties, life insurance over 40 is very affordable. In fact, a 45-year old male can leave a million dollars to his surviving loved ones for less than $100 per month. That is certainly enough to pay off the mortgage and other debts and have plenty left over for monthly expenses for a good many years.


Life Insurance Rates by Age Chart in Your Fifties


life insurance in your 50s Considering your life insurance needs are not as great now, life insurance is still cheap.

By your fifties, your life insurance needs may be shifting. Your children are on their own and dealing with their own life insurance needs, relieving you of some significant financial responsibility. You may be able to see your retirement on the horizon.

Your household still relies on your salary just as it did in the past. Financial obligation is still very real. Mortgages, small business-coverage, and your retirement may all remain as important life insurance considerations.

Whether you are already insured and need to update your coverage, or you are looking at life insurance for the first time, the premiums in your fifties are still very affordable. After we assess your personal risk factors we find the policy you need from among over 40 of the nation’s top life insurance companies.  And yes, you can still get life insurance with no medical exam in your 50s.


Congratulations, you made it into your fifties, feel free to check out our Term Life Insurance Rates by Age:

 Term Life Insurance rates by age Chart 

Life Insurance at age 50CLICK HERE
Life Insurance at age 51CLICK HERE
Life insurance at age 52CLICK HERE
Life Insurance at age 53CLICK HERE
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Life Insurance at age 55CLICK HERE
Life Insurance at age 56CLICK HERE
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Life Insurance at age 58CLICK HERE
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“Whether you are already insured and need to update your coverage, or you are looking at life insurance for the first time, the premiums in your fifties are still very affordable.”


Even as you slide into your fifties, term life insurance continues to be a bargain. Typically as you age you’ll need less life insurance than you needed in your 30s and 40s. A 50-year old non-smoker in good health can still by $250,000 in life insurance for less than $100 per month. Here again, if you have an old term policy that is getting ready to expire, now is the time to convert some or all that coverage to permanent insurance that will provide insurance coverage for the rest of your life.


Life Insurance Rates by Age Chart in Your Sixties


life insurance in your 60s Life insurance in your sixties is not as expensive as you think, you can still buy cheap term life insurance.

If you have waited to buy life insurance and think it is too late for you to afford the premiums, think again. Ogletree Financial is a broker agency representing over 40 top insurers.

Our marketplace knowledge can lead you to the life insurance product that is the right choice for you and your loved ones.

Many of the reasons you would buy life insurance in your thirties and forties still exist in your sixties. Your kids may be on their own, but is the mortgage paid off?

Your income is almost certainly still an important support for your household’s day to day expenses.

If you have invested your life in a small business partnership, it would be a shame for all that hard work to slip away when a partner dies unexpectedly. Life insurance can protect your sacrifice.

This is a time when you really need to be looking at your life insurance plans and make sure that they will last.   You may have an association plan like AICPA, FEGLI or SGLI that will decrease your life insurance coverage as you age.


 Term Life Insurance Rate Chart by Age 


Life Insurance at age 60
Life Insurance at age 61CLICK HERE
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“Age is an issue of mind over matter. If you don’t mind, it doesn’t matter” -Mark Twain


You can also still get life insurance in your 60s without taking a medical exam.  Maybe you are looking to retire now and your life insurance needs are not as great as they were when you were younger.


Life Insurance Rates by Age in Your Seventies


life insurance in your 70s Life Insurance in your seventies??

It’s true!! There are many reasons to purchase life insurance in your seventies. The number of those employed in their seventies is rising. What does your salary do for your household? Are you still building on your retirement strategy?

If you are concerned about your health, you may not need to be. A client who is seventy-three with high blood pressure, controlled with medication diet and exercise is probably less worrisome to a life insurance carrier than the same issue for a client who is thirty -seven.

If cost is an issue, talk to us anyway. Ogletree Financial Services shops over 40 of the nation’s top life insurance companies to find the coverage you need at a premium you can afford.  You may need to go ahead and replace that old outdated policy while you can still qualify. You may have an underperforming cash value policy that you need to exchange for a better policy.

We especially recommend the following top life insurance companies for term life insurance rates for seniors:

Even if you decide on less coverage than you wanted, something will be there to protect your family’s financial future.

 Click on the link next to your age to get actual rates from our top-rated insurance carriers:  


Life Insurance at age 70CLICK HERE
Life Insurance at age 71CLICK HERE
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“Do not grow old, no matter how long you live. Never cease to stand like curious children before the great mystery into which we were born.” Albert Einstein



What if I Cannot Medically Qualify for Term Insurance?

application denied


Certainly, many seniors are dealing with multiple health issues from time to time. This could be the result of putting your career before your health over the last 45 years. It happens to a lot of us. Regretfully, even seniors that have been active during their lives and have taken good care of themselves are likely to experience some illnesses when they get into their 70s.

The common illnesses and conditions that seniors will likely have to deal with are:


Although many seniors share one or more of these medical issues, the good news is that most of them are treatable. Fortunately, there are many insurers that specialize in senior life insurance products which brings many options to the table.


Final Expense Insurance


If you are retired and spending a little more time watching TV than you used to, you’ve probably seen life insurance commercials that are specific to seniors.

Companies like Mutual of Omaha, Colonial Penn, and Lincoln Heritage spend considerable amounts of money advertising their final expense insurance to seniors.

Some companies refer to this type of insurance as funeral insurance or burial insurance but they’re all intended to help seniors who don’t carry much life insurance or who may even be uninsured get life insurance coverage even when they’re dealing with medical issues.

It’s important to note, however, these policies tend to be priced higher than traditional insurance because the insurance companies that sell these policies have very liberal underwriting guidelines.


What is Final Expense Insurance?


The name tells you a lot. Final expense life insurance is a whole life insurance policy that is designed to pay for the insured’s final expenses when they pass away. Typically, these expenses are funeral and burial costs, unpaid nursing home expenses, and medical bills that were not paid by Medicare or other types of insurance. The primary difference between final expense insurance and traditional life insurance is that final expense policies have much lower coverage amounts; usually some amount between $10,000 and $30,000.


The great thing about your final expense insurance is that since it is whole life insurance, you’ll enjoy all the benefits and guarantees the come with whole life insurance:

  • Since the insurance company cannot cancel your insurance policy unless you stop paying your premiums, your coverage will last for your entire lifetime.
  • Once your whole life policy is issued, your company cannot increase your periodic premium even if you’re diagnosed with a terminal illness or forced to live in a nursing home and your yearly birthday will never increase your insurance premiums.
  • Your whole life insurance policy will also build cash value over time that earns a minimum amount of interest paid by the insurance company. You, as the policy owner, will have access to your cash value via policy loans, withdrawals, or you can surrender your policy for the entire cash value account


Even better news for seniors is that there are two basic types of Final Expense Insurance. One type is for seniors that are fairly healthy and is called Level Benefit and another that is for seniors who cannot qualify for the Level Benefit plans because of multiple health issues. This is called guaranteed issue Final Expense Insurance.


What are the Rates for Final Expense Insurance?


Although an average funeral and burial costs between $8,000 and $12,000, we have found that the majority of policies sold are between $10,000 and $20,000. Below we have listed the life insurance rates for final expense insurance for a $17,000 policy:


Age of Applicant

Male Non-Smoker

Female Non-Smoker



























Certainly, these rates are substantially higher than a traditional term life insurance policy, or a universal life insurance policy but since the insurer’s underwriting guidelines are more liberal and no medical exam is required, these rates could end up being the most affordable rates available for seniors having multiple health issues.

Remember, these rates will likely be lower than the rates you see advertised on TV because they are not “guaranteed acceptance” or “guaranteed issue”. And, these final expense policies offer level benefit and first-day coverage. Seniors should only consider guaranteed issue life insurance as a last resort.


But What if I Don’t Qualify for Level Benefit Final Expense Insurance?


The good news is that there’s another option if you don’t qualify for Level Benefit Final Expense Insurance. If you recall, we mentioned guaranteed acceptance and guaranteed issue earlier in this article. This is the insurance that is available for seniors that have multiple health issues or even one serious health issue that prevents them from qualifying for Level Benefit Final Expense Life Insurance and obtaining the best whole life insurance rates by age.

Here’s how it works. In exchange for the insurance company not asking about all of your medical information, you agree to a life insurance policy that has a two-year waiting period before the insurer will pay the full death benefit if you die from natural causes during the waiting period.

With most companies, if you die because of accidental causes during the waiting period, they will go ahead and pay the full death benefit to your beneficiary.

If, however, you should die during the waiting period because of natural causes, the insurance company will pay the total of all premiums paid into the policy plus an additional percentage of about 10%.


Here’s an example: John purchases a $12,000 Guaranteed Issue Final Expense Policy with a two year waiting period. Unfortunately, Johns dies 15 months after the policy is issuer from prostate cancer. Since John’s policy is a guaranteed issue final expense policy, the insurance company will pay the beneficiary 110% of all the premiums John has paid the insurance company rather than the full death benefit in the policy.


What are the rates for Guaranteed Issue Final Expense Insurance?


Although an average funeral and burial costs between $8,000 and $12,000, we have found that the majority of policies sold are between $10,000 and $20,000. Below we have listed guaranteed issue life insurance rates for final expense insurance for a $17,000 policy:


Age of Applicant

Female Non-Smoker

Male Non-Smoker


























Although your insurance rates for guaranteed issue final expense insurance are substantially higher than term insurance or level benefit final expense insurance, you can purchase life insurance no matter your health conditions as long as your age is within 50 to 85-years old.

The guaranteed issue life insurance comes with the same guarantees and benefits that all whole life insurance policies provide and is an excellent alternative for seniors who have multiple health conditions that preclude them from getting traditional life insurance.


The Bottom Line for Purchasing Life Insurance Rates by Age


There are many independent insurance agents that you can purchase life insurance from that are ready to take on new clients that are in perfect health. This is a quick and easy insurance sale that every agent loves to be involved in. Their client is in great health and they are likely to qualify for almost any policy the agent has available to them.

But what if you have some health issues that disqualify you from those preferred easy-issue policies? Will your independent agent stay on the line with you and make certain they have an insurance carrier that is willing to offer the coverage you need at a price you can afford?

This is when InsuranceQuotes2Day comes in and does what we do best. Our insurance professionals love to work those hard-to-place cases where the insured has worked hard their entire life and now find it difficult to get the most affordable coverage.

We do not find a way to get you off the phone, rather we find a way to keep you on the phone so that we can provide every option we have to make certain you get the coverage you need at a price you can afford. We do this because we represent all the major nationally rated carriers like:



This is actually a small portion of the highly-rated carriers we represent. All of them are financially stable and highly rated so that you will know for certain your death benefit will be there when your beneficiary needs it. You may have seen Geico, Costco , Progressive and Zander that offer brokerage life insurance products.  These are the same companies and same low rates.

Your death benefit will be paid in a tax-free lump-sum benefit so that you can honor the final wishes of the insured.


Client Life Insurance Reviews and Services


It is always our intention to establish a long-term relationship with our clients whenever possible. Protecting yourself, your family, and your business is much more than purchasing life insurance and filing the policy in a safe place. Everyone goes through life events that may require a change in your insurance coverage. Knowing this, we always attempt to communicate with our clients on a yearly basis.

The purpose of establishing a long-term relationship is so that our insurance professionals can assist with servicing your policies whenever the need arises. Life events like purchasing a home or business, having or adopting a child, get married or divorced and remarried all require changes in your insurance coverage and we take on the responsibility of helping you make the necessary changes if and when the need should arise. Certainly, you can call or email us anytime to discuss your insurance needs whether it involves a life event or not.

Although doing business online can be more efficient for all parties involved, we want you to know that an experienced and reputable insurance agent will be the person answer your calls and responding to your emails.


We are Here to Listen and Serve
For more information about term life insurance rates for your particular age or for final expense insurance when medical issues become a problem, please call InsuranceQuotes 2Day at 1-800-712-8519 during normal business hours or contact us through our website at your convenience.

Frequently Asked Questions

How much does term life insurance cost?

The cost varies depending on age, gender, amount and length of term. We have published our study here on every age between 30 and 80.

What is the maximum age for term life insurance?

Most companies cut off the age at 70. We have several companies that can provide term life insurance up to age 80.

What happens if my term life insurance is expiring?

You have a couple of options. Assuming you are healthy, you can purchase a new term life policy. Many term policies have conversion options that allow you to upgrade to a permanent policy.

Do I get my money back if my term expires?

In most cases, you do not get your money back. We work with several companies that offer Return of Premium term life insurance that will refund your premium after your 15, 20, 25 or 30 year term period.