Rates as of March 2026

Term Life Insurance Rates for 2026

You probably think life insurance costs more than it does. Most people do—it’s the #1 reason Americans go without coverage.1 So we pulled 858,632 real quotes and laid them out here. Every age, every amount, no contact information required.

Pick your age below. You’ll see actual monthly costs across 24 coverage amounts ($100K–$4M), five term lengths (10–30 years), and three health classes. These aren’t estimates or ballpark ranges—they’re averages of the 2–3 lowest quotes from top-rated U.S. carriers, distilled from 858,632 real quotes. A 35-year-old in good health? About $73/month for a 30-year, $1M policy. Find out what your number is.

Find Your Insurance Age

Life insurance uses “age next birthday”—enter yours and we’ll take you to the right page.

Select Your Age

Or pick your age directly:

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How We Build the Index

For every combination of age, gender, coverage amount, term length, and health class, we pull quotes from multiple top-rated life insurance carriers. Each rate you see is the average of the 2–3 lowest quotes—a realistic picture of what a healthy applicant can expect to pay. Rates shown are for Texas residents and are refreshed quarterly.

Want a rate based on your specific health and lifestyle? Get a personalized quote from CoverSavvy.

These Are Averages. Yours Could Be Lower.

Your actual rate depends on your health, lifestyle, and the carrier. Get a free, no-obligation quote tailored to you.

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