Life insurance cost calculator
See what people like you actually paid — medians computed live from real policies placed through our service, not carrier teaser rates.
What moves the number
Age matters most — in our book the median monthly premium roughly doubles between the mid-50s and late-70s. Coverage amount is second: $25,000 is the most common choice (41% of life policies), with a strong $50,000 tier. Women typically pay 20–30% less than men at the same age. See the full breakdowns: cost by age · rates by state · all statistics.
Frequently asked questions
How accurate is this calculator?
Every figure is the median of real policies placed through our comparison service (rolling 24-month window), matched to your age band, gender, state and coverage. When a combination has fewer than 15 policies, we automatically widen the match and say so. It is an informational estimate, not a quote.
What does the range mean?
The low and high ends are the 25th and 75th percentiles — the middle half of what real buyers with a similar profile actually paid.
Why does my real quote differ?
Carriers price on details a calculator cannot see: tobacco use, specific health history, and the exact product. Your rate is always confirmed by the carrier at application.
Ready for your real rate?
Free, no obligation, no medical exam on most plans. Compare the lowest rates you qualify for from A-rated carriers.
Get my free quote →