Rates by age

What Term Life Costs — And Why The Number Moves

We will not print made-up rate tables. Here is what the published data says, what moves your price, and the carriers behind our quotes.

Jar of coins and a calculator on a kitchen table
Illustrative photo.

Benchmark Finder — $500,000, 20-Year Term, Preferred Class

Tap your age and profile to see the published benchmark. This is a survey average, not a quote; your class, amount and term change it.

Pick an age and a profile.

$500,000 of 20-year term, Preferred class; means of the three lowest quotes among surveyed carriers, valid Oct 1, 2026. Source: NerdWallet average life insurance rates, Oct 2026. Monthly equivalents are the annual figure divided by 12; carriers add a modal fee for monthly billing. These are benchmarks, not an offer.

Published Benchmarks

AgeManWomanMan, smoker
30$213/yr (~$18/mo)$182/yr (~$15/mo)$788/yr
40$321/yr (~$27/mo)$278/yr (~$23/mo)$1,448/yr
50$810/yr (~$68/mo)$636/yr (~$53/mo)$3,495/yr
60$2,335/yr (~$195/mo)$1,640/yr (~$137/mo)$8,435/yr

$500,000 of 20-year term, Preferred class; means of the three lowest quotes among surveyed carriers, valid Oct 1, 2026. Source: NerdWallet average life insurance rates, Oct 2026. Monthly equivalents are the annual figure divided by 12; carriers add a modal fee for monthly billing. These are benchmarks, not an offer.

The Age Curve

Approximate monthly premium for a man, $500,000 / 20-year term, Preferred non-smoker (annual benchmark ÷ 12). Source: NerdWallet average life insurance rates, Oct 2026.

Health Classes At An Instant-Issue Carrier

Fidelity Life's InstaBrain term products use Preferred Plus, Preferred, Standard, Standard Extra and rated classes (C, D) for non-tobacco, and Preferred / Standard Extra / rated for tobacco. Your class is set by the carrier's rules on build, blood pressure, cholesterol, prescriptions and history — which is why two carriers can quote the same person 40% apart.

Source: Fidelity Life InstaBrain Pure Term and Term consumer guides (2025–2026), in our carrier library.

The Carrier Table

Carriers in our Brokers Alliance life product library plus the instant-decision carriers we use for same-day applications. Ratings are A.M. Best financial-strength ratings as listed in the library; verify current ratings at ambest.com.

CarrierA.M. BestTerm lengthsIssue ages
Banner Life (Legal & General America)A10–40 yr20–75
Corebridge Financial (American General)A10–35 yr0–85
Ethos—10–30 yr20–65
Fidelity Life (InstaBrain)A-10–30 yr18–60
Foresters FinancialA10–25 yr18–80
John HancockA+10–20 yr0–90
Lincoln FinancialATerm18–80
MassMutualA++10–30 yr, ART0–75
Minnesota Life (Securian)A+10–30 yr18–80
North AmericanA+10–30 yr0–85
Pacific LifeA+10–30 yr18–80
Protective LifeA+10–40 yr0–80
PrudentialA+10–30 yr0–90
SBLIATerm18–74
Sagicor—10–20 yr0–85
SymetraA10–30 yr20–80
TransamericaA10–30 yr0–85
United of Omaha (Mutual of Omaha)A+10–30 yr0–85
William Penn (NY)A10–30 yr20–75

Source: Brokers Alliance life carrier product library (2026) and Fidelity Life consumer guides. Availability varies by state; New York is served by William Penn and other NY-licensed carriers.

Three ways in

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Tell us age, state, coverage and health in one short form. A licensed agent emails or texts quotes, then you decide.

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Quote & Apply On My Own

Prefer to do it yourself? Open a carrier tool, answer the questions, get a decision — many applicants in minutes.

You will leave this site for a carrier or partner tool. Any rate shown is an estimate until the carrier confirms it; the agent of record is Phamella Bauer (NPN 22053821), NovaVida Group.

Fidelity Life · InstaBrain Pure TermAges 18–60 · $50,000–$1,000,000 · 10/15/20/30-year terms · accelerated underwriting, decision online · 30-day free look
Quote Term
Fidelity Life · InstaBrain Term With Living BenefitsTerm that can pay early for terminal illness (up to 90%, max $250,000) or chronic illness (up to 50%) — no extra premium; availability varies by state
Quote Living Benefits
EthosTerm life with instant decisions for many applicants; ages 18–69 per Ethos; 10/15/20/30-year terms
Quote With Ethos

Need more than $1,000,000, a 35- or 40-year term, or a carrier above? That is agent territory — call 561-816-3446 and we quote the full table.

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