Life Insurance Rates By Age with Charts

For some people, there’s another compelling reason to put off applying for a life insurance policy: not wanting to take a medical exam. Whether you hate needles or can’t fit an exam in between work and family time, a no medical exam term life insurance policy might be for you.

Want to learn more about life insurance rates for your age?

Start here:

• Life insurance in your 20s
• Life insurance in your 30s
• Life insurance in your 40s
• Life insurance in your 50s 
• Life insurance in your 60s

In addition to age and type of policy, the following factors could affect your life insurance rates as well:

• Gender (on average, women live longer than men)

• Pre-existing conditions such as high blood pressure or diabetes

• Risky behavior such as smoking, drinking alcohol, or climbing Mt. Everest

• A dangerous profession, if you have one

• Medical exam requirements

• Family medical history

• Riders, such as conversion or long-term care insurance

• The death benefit you choose for your beneficiaries

• How often you pay premiums (paying annually or quarterly instead of monthly to see discounts)

For more information, read about how life insurance companies determine rate classes.

The above charts show the best rates for a variety of life insurance policy types and come from some of the best life insurance companies. We hope you’ll discover that insurance coverage is not as expensive as you think to protect your assets and loved ones, even if you’re looking for life insurance for seniors.

That said, these life insurance premiums are based on precise criteria that won't apply to everyone. So how do you know what rate you can get for a life insurance policy?

The fastest, easiest way to get an accurate quote is to give us a call. You can speak directly to a licensed, independent insurance agent by simply dialing 1 (888) 234-8376.

How long will you live? There’s no way to know for sure. Most of us can expect to live to at least our 70s and some will reach our 80s, 90s, and beyond. But did you know that where in the US you live might affect your life expectancy?

That's right. People in some parts of the country have a higher chance of living longer than others. Find out if your state made it to the top ten for life expectancy.

We analyzed the life expectancy rates for each state, according to the Institute for Health Metrics and Evaluations. Then, we ranked each state based on how long an average resident is expected to live. There are several ties.

• All states made it to at least a 74.5-year life expectancy, and many of our top ten made it to at least 80.
• Coming in at 81.5 years, Hawaii has the highest life expectancy in the US. It’s also known as one of the states with the lowest stress and unemployment.²
• California sits in the number two slot, but the Golden State’s only number 12 when it comes to national health.³
• Even though a good night's rest is key to longevity, New York (home to The City that Never Sleeps) scored number four on our list.
• There were several ties on our list, making our top ten more of a top 16.

While the state you live in may affect your life expectancy, no one knows for sure when their number will come up. All we can do is live life to its fullest each day and try to create good habits. That, and buy enough life insurance to cover your debts, final expenses, and income, just in case.