Life Insurance Rates
Compare life insurance rates by product, age, gender, and tobacco use. Term and whole life benchmarks with real carrier data to anchor your quote.
“Published ranges are directional—your qualified rate comes from underwriting and carrier pricing.”
Rates depend on age, health class, product, and carrier. This hub collects dedicated rate pages—whole life, cross-term comparison, and demographic slices—so you can anchor expectations before you run personalized quotes.
Health class and underwriting tables tie to the underwriting process (for example, rate classes and health ratings).
Rates by scenario
Directional pricing before you run personalized quotes. For health classes and table ratings, see underwriting.
Whole life rates
Typical whole life premiums and what moves the needle by age and amount.
Learn more →Term life rates
10-, 20-, and 30-year level term with sample premiums by age and F/M columns—before you run personalized quotes.
Learn more →Smoker rates
Tobacco vs non-tobacco pricing and what carriers look for.
Learn more →Final expense rates
Simplified-issue burial insurance premiums by age and coverage amount—directional numbers before personalized quotes.
Learn more →Guaranteed issue rates
Gerber guaranteed issue whole life—sample premiums by age and face amount when you cannot qualify for simplified issue.
Learn more →What you will find here
Browse term life insurance rates, whole life insurance rates, smoker life insurance rates, final expense rates, and guaranteed issue rates for directional pricing. Your final offer always comes from carrier underwriting and illustrations.
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