Sep 11, 2025 · We've found that the average cost of life insurance is about $147 per month for a term life insurance policy lasting 20 years and providing a death benefit of $500,000.

Oct 1, 2024 · Term life insurance costs $26 per month or $305 per year on average as of October 2024. How much you pay will vary based on your age, gender, health, and lifestyle choices.

Sep 18, 2024 · The average monthly cost for a term life insurance policy is $26 as of September 2024. The average monthly cost for a $500,000 whole life insurance policy for a 30-year-old is $451.

Sep 11, 2025 · How much a term life insurance policy actually costs varies by age, coverage amount, term length, and your smoker status. However, insurance companies look at an application holistically.

Jun 17, 2025 · How Much Is Term Life Insurance In America? The average cost of term life insurance is $22.59 a month for a 40-year-old female buying a 20-year term policy for $250,000 in coverage. For …

Oct 31, 2025 · Learn about the factors that affect the cost of life insurance. Find out how much average premiums are for term life and permanent life policies.

The average cost of life insurance varies depending on the policy type, age, health, and more. A 20-year term life insurance policy may start as low as $20 per month, but rates are higher when buying …

Dec 29, 2025 · The average life insurance cost for a healthy 40-year-old nonsmoker is $55 per month for a 20-year, $500,000 term life policy. Whole life insurance averages $667 per month, while universal …

Oct 21, 2025 · The cost of term life insurance varies widely based on age, health, term length, and coverage amount. The following figures reflect typical U.S. market ranges and common drivers that …

Dec 5, 2025 · A $500,000 term life insurance policy costs an average of $26 per month for a healthy 40-year-old. Younger applicants pay less—around $20-25 monthly for 30-year-olds—while older …