Costs of 30 Year Term Life Insurance For Men and women in Their Twenties

Being in your 20's is the perfect age range to be shopping for life insurance. Premium costs are very affordable and it is easy to qualify for coverage. Getting a 10, 20, or 30 year term policy is very easy.

The insurance companies know that the chances of you living into your seventies and eighties are very good, so, most likely, they will not have to pay your policy out. It is easy money for them.

It's all about risk when it comes to pricing life insurance premiums. Because a person in their twenties is still very young and most likely does not have any serious health issues, the chances of them dying young are low, so the insurance companies are safe in issuing a life insurance policy.

Furthermore, your costs will be very low - if you are a woman in good health, you'll be able to get a $200,000 30-year policy for as low as $20 per month. A 25 year old man will pay around $25.

If you can, get life insurance coverage while you are young and healthy.

Examples of 30 year term policy prices if you are in your twenties

30 year term for Women (non-smoking)

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
23 year old female $11.46 $19.54 $22.05 $27.10 $31.96 $55.36
24 year old female $11.46 $19.54 $22.05 $27.10 $31.96 $55.36
25 year old female $11.46 $20.13 $22.05 $28.53 $32.38 $56.00
26 year old female $11.64 $20.30 $22.58 $29.23 $33.25 $57.85
27 year old female $11.85 $20.65 $23.36 $29.93 $34.55 $60.38
28 year old female $11.90 $21.05 $23.54 $29.93 $35.44 $62.13
29 year old female $11.90 $21.18 $23.80 $30.28 $36.85 $63.88
Life Insurance Rates as off 04/27/2022 - your rates will likely be different.

30 year term for Men (non-smoking)

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
23 old male $13.39 $24.15 $27.56 $35.53 $39.38 $71.85
24 old male $13.39 $24.15 $27.56 $35.53 $39.38 $71.85
25 old male $13.56 $24.50 $28.00 $35.88 $40.25 $73.50
26 old male $13.56 $24.50 $28.09 $36.23 $40.25 $73.50
27 old male $13.56 $24.50 $28.53 $36.58 $41.56 $76.13
28 old male $13.56 $24.50 $28.79 $36.93 $42.00 $77.00
29 old male $13.74 $24.85 $29.05 $37.28 $42.88 $77.88
Example monthly life Insurance rates as off 04/27/2022 - your premiums will be different.

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The above term life insurance costs are estimated.
Make sure to get your own personalized rates!

30 year term - Woman (smoking)

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
23 year old woman $16.28 $27.30 $38.33 $49.35 $60.38 $115.50
24 year old woman $16.28 $27.30 $38.33 $49.35 $60.38 $115.50
25 year old woman $16.28 $27.30 $38.33 $49.35 $60.38 $115.50
26 year old woman $16.89 $28.53 $40.16 $51.80 $63.44 $121.63
27 year old woman $17.50 $29.85 $42.00 $54.25 $66.50 $127.85
28 year old woman $18.11 $30.98 $43.84 $56.70 $69.56 $133.88
29 year old woman $18.73 $32.20 $45.68 $59.15 $72.63 $140.00
Example monthly life Insurance rates as off 04/27/2022 - your premiums will be different.

30 year term - Man (smoking)

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
23 year old man $21.88 $38.50 $55.13 $71.85 $88.38 $171.50
24 year old man $21.88 $38.50 $55.13 $71.85 $88.38 $171.50
25 year old man $21.88 $38.50 $55.13 $71.85 $88.38 $171.50
26 year old man $22.58 $39.90 $57.23 $74.55 $91.88 $178.50
27 year old man $23.28 $41.30 $59.33 $77.35 $95.38 $185.50
28 year old man $23.89 $42.53 $61.16 $79.80 $98.44 $191.63
29 year old man $24.59 $43.93 $63.26 $82.60 $101.94 $198.63
Example monthly life Insurance rates as off 04/27/2022 - your premiums will be different.

Click Here for an exact quote!