How much does life insurance cost?
Choose a plan type: term, whole life, final expense or IUL. Move a few controls and see a monthly estimate instantly. No signup, no credit check.
What type of plan are you looking at?
Your age: 38
Term Life: generally issued from age 18 to 75.
Gender
Coverage amount
Term length
Your health
Do you use tobacco or nicotine?
Term Life, estimated monthly range
$31 to $52
About $1.33 per day for $250,000 of protection over 20 years.
- Applying earlier lowers the price. Age is the number one factor.
- Tobacco can more than double the premium.
- When the term ends, coverage stops or the price jumps sharply.
- Your health and the state you live in also move the number.
This is an educational estimate only. It is not an offer, not a price guarantee and not an official illustration. Real premiums and real cash value depend on the carrier, the contract, your state and underwriting.
Next step
Want the real number for you?
In 15 minutes a licensed agent reviews your situation and shows you real prices from multiple carriers for term, whole life, final expense or IUL. English or Haitian Creole, no pressure.
After the estimate
Learn what the numbers mean before you talk to anyone.