30 Year Term Life Insurance

People in their twenties (20's)

Being in your twenties is the perfect age to be shopping for life insurance. Rates are incredibly 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:

Average Rates per month shown

30 year term - Woman (non-smoking)

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
23 Years Old $11.46 $19.54 $22.05 $27.10 $31.96 $55.36
24 Years Old $11.46 $19.54 $22.05 $27.10 $31.96 $55.36
25 Years Old $11.46 $20.13 $22.05 $28.53 $32.38 $56.00
26 Years Old $11.64 $20.30 $22.58 $29.23 $33.25 $57.75
27 Years Old $11.85 $20.65 $23.36 $29.93 $34.55 $60.38
28 Years Old $11.90 $21.05 $23.54 $29.93 $35.44 $62.13
29 Years Old $11.90 $21.18 $23.80 $30.28 $36.75 $63.88
Life Insurance Rates as off 05/24/2021 - your rates will likely be different.

 

30 year term - Man (non-smoking)

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
Age 23 $13.39 $24.15 $27.56 $35.53 $39.38 $71.75
Age 24 $13.39 $24.15 $27.56 $35.53 $39.38 $71.75
Age 25 $13.56 $24.50 $28.00 $35.88 $40.25 $73.50
Age 26 $13.56 $24.50 $28.09 $36.23 $40.25 $73.50
Age 27 $13.56 $24.50 $28.53 $36.58 $41.56 $76.13
Age 28 $13.56 $24.50 $28.79 $36.93 $42.00 $77.00
Age 29 $13.74 $24.85 $29.05 $37.28 $42.88 $77.88

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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 Years Old $16.28 $27.30 $38.33 $49.35 $60.38 $115.50
24 Years Old $16.28 $27.30 $38.33 $49.35 $60.38 $115.50
25 Years Old $16.28 $27.30 $38.33 $49.35 $60.38 $115.50
26 Years Old $16.89 $28.53 $40.16 $51.80 $63.44 $121.63
27 Years Old $17.50 $29.75 $42.00 $54.25 $66.50 $127.75
28 Years Old $18.11 $30.98 $43.84 $56.70 $69.56 $133.88
29 Years Old $18.73 $32.20 $45.68 $59.15 $72.63 $140.00

 

30 year term - Man (smoking)

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
23 Years Old $21.88 $38.50 $55.13 $71.75 $88.38 $171.50
24 Years Old $21.88 $38.50 $55.13 $71.75 $88.38 $171.50
25 Years Old $21.88 $38.50 $55.13 $71.75 $88.38 $171.50
26 Years Old $22.58 $39.90 $57.23 $74.55 $91.88 $178.50
27 Years Old $23.28 $41.30 $59.33 $77.35 $95.38 $185.50
28 Years Old $23.89 $42.53 $61.16 $79.80 $98.44 $191.63
29 Years Old $24.59 $43.93 $63.26 $82.60 $101.94 $198.63

 

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