A ballpark monthly premium based on national averages — see real quotes once you know your target coverage.
This is a national-average estimate for illustration only — not a quote. Your actual rate depends on underwriting: medical exam results, family history, occupation, and the specific insurer.
Compare quotes from top-rated insurers for the coverage amount above.
Compare real quotes →Work out your recommended coverage amount with the DIME method first.
Calculate coverage needed →Term life premiums are priced almost entirely on mortality risk — how likely the insurer is to pay a claim during the term. This estimator starts from published national-average rates by age band, then adjusts for the factors that move your price the most: gender, smoking status, self-reported health, coverage amount, and term length.
Smokers typically pay 2-3x what non-smokers pay for the same coverage, reflecting significantly different mortality risk. If you've quit, most insurers require 12+ months smoke-free to qualify for non-smoker rates — worth confirming with an actual insurer if you're close to that mark.
Actual underwriting looks at your medical exam results, family history, occupation, hobbies (e.g. piloting, scuba diving), and driving record — any of which can move your real quote above or below this estimate. Treat this as a starting point for budgeting, not a number to plan around exactly.
Underwriting factors this calculator can't see — a recent health issue, family history of certain conditions, a risky occupation or hobby, or a lower health class than self-assessed — can all push a real quote above a national-average estimate.
No — most term policies lock in a level premium for the entire term (10, 20, or 30 years). The trade-off is that renewing or buying new coverage after the term ends is priced at your then-current age, which is usually significantly more expensive.
Not always — some insurers offer "no-exam" policies, typically with lower coverage limits and higher premiums than fully underwritten policies, in exchange for a faster approval process.