Protect your family starting at $18/month. Compare rates from top-rated carriers and get covered today.
Get Free Life Insurance Quotes → How Much Do I Need?Sample monthly premiums for a $500,000 20-year term policy, non-smoker in good health:
| Age | Male | Female | Coverage | Term |
|---|---|---|---|---|
| 25 | $21/mo | $18/mo | $500,000 | 20 years |
| 30 | $25/mo | $21/mo | $500,000 | 20 years |
| 35 | $31/mo | $26/mo | $500,000 | 20 years |
| 40 | $44/mo | $37/mo | $500,000 | 20 years |
| 45 | $67/mo | $54/mo | $500,000 | 20 years |
| 50 | $102/mo | $80/mo | $500,000 | 20 years |
| 55 | $157/mo | $118/mo | $500,000 | 20 years |
Rates are estimates. Your actual premium depends on health history, state, and carrier underwriting.
Covers you for 10–30 years. Most affordable option. Best for income replacement and mortgage protection.
Permanent coverage that never expires. Builds cash value. Best for estate planning and lifelong needs.
Get covered in days — no physical required. Slightly higher rates but fast approval for ages 18–60.
$5,000–$25,000 whole life coverage for burial costs. Guaranteed approval for ages 50–85.
| Company | AM Best Rating | Best For | Starting Rate |
|---|---|---|---|
| Protective Life | A+ | Lowest term rates | $18/mo |
| Banner Life | A+ | High coverage amounts | $19/mo |
| Pacific Life | A+ | Universal life flexibility | $22/mo |
| Prudential | A+ | Smokers & high-risk | $24/mo |
| MassMutual | A++ | Whole life & dividends | $31/mo |
| AIG / American General | A | Seniors & no-exam | $28/mo |
| Transamerica | A | Budget-friendly term | $20/mo |
| Haven Life | A++ | Online, instant approval | $21/mo |
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