$250,000 Life Insurance Rates 2026
$11/mo
Female, 30, 20yr
$13/mo
Male, 30, 20yr
$19/mo
Male, 35, 20yr
$27/mo
Male, 40, 20yr
| Age | 10-Year (M) | 15-Year (M) | 20-Year (M) | 20-Year (F) |
|---|---|---|---|---|
| 25 | $10/mo | $12/mo | $14/mo | $11/mo |
| 30 | $11/mo | $13/mo | $16/mo | $13/mo |
| 35 | $13/mo | $15/mo | $19/mo | $16/mo |
| 40 | $17/mo | $21/mo | $27/mo | $23/mo |
| 45 | $25/mo | $32/mo | $42/mo | $34/mo |
| 50 | $38/mo | $51/mo | $66/mo | $51/mo |
| 55 | $61/mo | $81/mo | $104/mo | $76/mo |
Is $250,000 Enough?
$250,000 is appropriate if:
- You're supplementing a spouse's income (not the sole earner)
- Your mortgage balance is under $250,000
- You're single with significant debt but no dependents
- Budget constraints mean $250K now beats $0 coverage
- You're adding a "ladder" policy to existing coverage
You likely need more if you have young children and/or earn over $40,000/year. Use our coverage calculator for a personalized number.