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$10 Million Life Insurance
Rates by Age (2026)
See real-world pricing for $10 million term life insurance from top-rated carriers. Compare rates by age, term length, and gender to understand what coverage may cost before requesting personalized quotes.
$10 Million Life Insurance Rates by Age
Monthly premiums · $10,000,000 term policy · Healthy non-smokers · Preferred Plus. Select gender and term length below.
How LifeStein Gathered This Pricing Data
The pricing tables below were compiled using internal LifeStein.com market data from multiple top-rated life insurance companies. Rates shown reflect current monthly term life insurance pricing for applicants seeking $10 million of life insurance coverage across multiple ages, term lengths, and underwriting classifications. Pricing includes Preferred Plus, Preferred, Standard Plus, Standard, smoker, nicotine pouch user, and nicotine replacement user underwriting categories where applicable. Data was averaged using competitive market rates from carriers that frequently offer some of the strongest pricing in the life insurance marketplace, including Banner Life, Protective, Corebridge Financial, Symetra, Pacific Life, Cincinnati Life, Prudential, Lincoln Financial, Legal & General America, Securian, Transamerica, Nationwide, Penn Mutual, Principal, and other nationally available insurers. Rates are subject to underwriting approval and may vary based on age, gender, health history, prescription history, nicotine use, family medical history, occupation, financial qualifications, lifestyle factors, state of residence, and carrier-specific underwriting guidelines. Large face amount policies such as $10 million often require additional financial underwriting and may be subject to carrier-specific coverage limits. The rates shown are intended for educational and comparison purposes only and do not constitute a guarantee of coverage or premium.
Reviewed by: Matt Mims
National Producer Number: 18882528
How Much Does a $10 Million Life Insurance Policy Cost?
A $10 million life insurance policy is a large-face-amount purchase — and pricing for it is driven by several key variables. Understanding them upfront helps you set realistic expectations and make an informed decision.
Age is the single most powerful pricing factor. Life insurance carriers charge more as you get older because the statistical likelihood of a claim increases. A healthy 35-year-old male might pay around $142 per month for a 10-year $10 million term policy. That same coverage for a 55-year-old male runs roughly $1,143 per month. By age 65, it climbs to approximately $3,520/month. The math is simple: every year you wait costs more.
Gender significantly affects pricing. Women statistically live longer than men in the United States — currently about five to six years longer on average. Life insurance carriers price their products based on actuarial risk, and longer life expectancy translates directly into lower premiums. A 45-year-old woman on a 10-year term typically pays around $319/month compared to a man's $394/month for the same coverage.
Term length multiplies cost substantially. A 30-year term locks in coverage at today's age-based rate for three decades. That longevity of coverage carries higher risk for the insurer, which is why a 20-year term costs meaningfully more than a 10-year term, and a 30-year term costs significantly more still. Not all term lengths are available at every age — most carriers stop offering 30-year terms after age 55 or 60.
Your health classification determines your specific rate. The rates shown on this page reflect "Preferred Plus" or "Super Preferred" non-smoking applicants — the healthiest tier offered by most carriers. If you have a health condition, a family history of illness, or use tobacco, your actual rate will differ. The good news: carriers assess health differently, and shopping multiple companies is critical to finding the best rate for your specific profile.
Carrier selection changes the number. For a $10 million policy, a difference of even $50/month translates to $18,000 over a 30-year term. LifeStein's team specializes in high-face-amount policies and knows which carriers offer the most competitive pricing for different age brackets, health profiles, and occupations. Shopping all 50+ carriers — rather than going direct to one insurer — is how clients consistently find better rates.
Why High-Net-Worth Families Use LifeStein
Most life insurance websites funnel you toward one or two preferred carriers. LifeStein works differently — as an independent brokerage, we're paid to find you the best rate, not to promote any single company.
Access to the Entire Market
We compare 50+ top-rated carriers simultaneously, so you see the full range of competitive pricing — not just what one insurer wants to sell you.
Underwriting Expertise
Every carrier values health conditions, hobbies, and occupations differently. Our team knows which companies offer the best pricing for your specific profile.
Large Face Amount Specialists
Placing $5M, $10M, and $20M+ policies requires a different skill set than standard retail life insurance. We have deep experience with high-value cases.
Faster Approval Process
We coordinate with carriers on your behalf, manage exam scheduling, and follow up with underwriters to keep your application moving toward approval.
No Extra Cost — Ever
Our services are completely free to you. We're compensated by the carrier after policy issue. You get expert guidance without paying a fee or premium markup.
Licensed in All 50 States
Frequently Asked Questions About $10 Million Life Insurance
How much does a $10 million life insurance policy cost?
The cost of a $10 million life insurance policy depends on your age, gender, health, lifestyle, and term length. Healthy applicants in their 30s may find rates starting under $150 per month for men and under $110 per month for women on a 10-year term. Premiums increase as you get older and as the term length increases.
Who needs $10 million of life insurance?
People who commonly purchase $10 million of life insurance include business owners, physicians, attorneys, executives, professional athletes, real estate investors, and high-net-worth families. Large policies are often used for income replacement, estate planning, business succession planning, and protecting family wealth.
What is the cheapest way to buy $10 million of life insurance?
For most people, a term life insurance policy is the most affordable way to obtain $10 million of coverage. Term policies provide coverage for a specific period, such as 10, 15, 20, 25, or 30 years, and generally cost significantly less than permanent life insurance.
Can I get a $10 million life insurance policy without a medical exam?
Some insurance companies offer accelerated underwriting programs that may allow qualified applicants to obtain coverage without a medical exam. Eligibility depends on age, health history, prescription records, financial qualifications, and the amount of coverage requested.
What companies offer $10 million life insurance policies?
Many top-rated life insurance companies offer $10 million policies, including Legal & General America, Banner Life, Protective, Symetra, Corebridge Financial, Pacific Life, Penn Mutual, Principal, Lincoln Financial, Nationwide, Securian, and others. Availability depends on your individual profile.
How do life insurance companies determine eligibility for $10 million of coverage?
Insurance companies review factors such as income, net worth, occupation, health history, prescription medications, driving record, and financial justification. Larger policies typically require additional financial underwriting.
How much income do I need to qualify for a $10 million life insurance policy?
There is no universal income requirement. Insurers generally look for a reasonable relationship between your income, assets, liabilities, and the amount of coverage requested. Higher-income individuals and those with significant financial responsibilities are more likely to qualify for larger policies.
Is a 20-year or 30-year term better for a $10 million policy?
A 20-year term is often chosen by individuals who want coverage through their peak earning years or until children become financially independent. A 30-year term provides longer protection but typically comes with significantly higher premiums.
Why do women usually pay less than men for life insurance?
Women generally have longer life expectancies than men, which reduces the insurer's risk. As a result, healthy women often receive lower premiums than healthy men for the same amount of coverage.
Can smokers qualify for $10 million of life insurance?
Yes. Most carriers offer $10 million life insurance policies to smokers, although premiums are substantially higher than non-smoker rates. Some nicotine users, such as certain cigar smokers, nicotine pouch users, and smokeless tobacco users, may qualify for more favorable underwriting with the right insurance company.
Can business owners buy $10 million of life insurance?
Yes. Business owners frequently purchase large life insurance policies for key person protection, buy-sell agreements, executive compensation plans, business loans, and family income replacement.
What is the best age to buy a $10 million life insurance policy?
The best time to buy life insurance is generally as early as possible while you are healthy. Locking in coverage at a younger age can result in significantly lower premiums for the duration of the policy.
Does LifeStein compare multiple life insurance companies?
Yes. LifeStein is an independent life insurance brokerage that compares rates and underwriting guidelines from more than 50 life insurance companies to help clients find the most competitive offer available.
How long does it take to get approved for a $10 million life insurance policy?
Approval times vary by carrier and underwriting requirements. Some applicants may receive decisions within a few days through accelerated underwriting, while larger policies requiring full underwriting may take several weeks to complete.
What is the difference between term life insurance and permanent life insurance?
Term life insurance provides coverage for a set number of years and is typically the least expensive option. Permanent life insurance, such as whole life or universal life, can provide lifelong coverage and may include cash value accumulation, but generally costs substantially more than term coverage.
$10 Million Life Insurance Rates by Age for Men
The pricing examples below show estimated monthly premiums for healthy non-smoking men purchasing a $10 million term life insurance policy. Rates are averages and may vary based on health, lifestyle, state, and underwriting classification.
Age 35
A healthy non-smoking 35-year-old male may pay approximately $142.25 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $190.58 per month, a 20-year term may cost approximately $268.63 per month, a 25-year term may cost approximately $408.63 per month, and a 30-year term may cost approximately $561.89 per month.
Age 36
A healthy non-smoking 36-year-old male may pay approximately $157.89 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $206.88 per month, a 20-year term may cost approximately $295.23 per month, a 25-year term may cost approximately $434.88 per month, and a 30-year term may cost approximately $604.24 per month.
Age 37
A healthy non-smoking 37-year-old male may pay approximately $165.55 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $224.31 per month, a 20-year term may cost approximately $326.28 per month, a 25-year term may cost approximately $478.63 per month, and a 30-year term may cost approximately $655.24 per month.
Age 38
A healthy non-smoking 38-year-old male may pay approximately $182.75 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $241.73 per month, a 20-year term may cost approximately $358.44 per month, a 25-year term may cost approximately $522.38 per month, and a 30-year term may cost approximately $714.83 per month.
Age 39
A healthy non-smoking 39-year-old male may pay approximately $193.26 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $259.16 per month, a 20-year term may cost approximately $390.00 per month, a 25-year term may cost approximately $566.13 per month, and a 30-year term may cost approximately $773.56 per month.
Age 40
A healthy non-smoking 40-year-old male may pay approximately $210.13 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $277.35 per month, a 20-year term may cost approximately $408.63 per month, a 25-year term may cost approximately $636.13 per month, and a 30-year term may cost approximately $837.11 per month.
Age 41
A healthy non-smoking 41-year-old male may pay approximately $243.02 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $326.30 per month, a 20-year term may cost approximately $443.63 per month, a 25-year term may cost approximately $697.38 per month, and a 30-year term may cost approximately $926.24 per month.
Age 42
A healthy non-smoking 42-year-old male may pay approximately $277.02 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $382.82 per month, a 20-year term may cost approximately $522.38 per month, a 25-year term may cost approximately $776.13 per month, and a 30-year term may cost approximately $1,017.43 per month.
Age 43
A healthy non-smoking 43-year-old male may pay approximately $311.10 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $430.19 per month, a 20-year term may cost approximately $592.38 per month, a 25-year term may cost approximately $854.88 per month, and a 30-year term may cost approximately $1,130.24 per month.
Age 44
A healthy non-smoking 44-year-old male may pay approximately $345.10 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $478.63 per month, a 20-year term may cost approximately $690.63 per month, a 25-year term may cost approximately $924.88 per month, and a 30-year term may cost approximately $1,248.23 per month.
Age 45
A healthy non-smoking 45-year-old male may pay approximately $393.54 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $557.38 per month, a 20-year term may cost approximately $782.58 per month, a 25-year term may cost approximately $1,056.13 per month, and a 30-year term may cost approximately $1,387.96 per month.
Age 46
A healthy non-smoking 46-year-old male may pay approximately $436.21 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $609.88 per month, a 20-year term may cost approximately $839.32 per month, a 25-year term may cost approximately $1,161.13 per month, and a 30-year term may cost approximately $1,519.63 per month.
Age 47
A healthy non-smoking 47-year-old male may pay approximately $471.99 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $666.12 per month, a 20-year term may cost approximately $902.16 per month, a 25-year term may cost approximately $1,283.63 per month, and a 30-year term may cost approximately $1,679.43 per month.
Age 48
A healthy non-smoking 48-year-old male may pay approximately $522.73 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $734.12 per month, a 20-year term may cost approximately $1,002.97 per month, a 25-year term may cost approximately $1,449.88 per month, and a 30-year term may cost approximately $1,877.16 per month.
Age 49
A healthy non-smoking 49-year-old male may pay approximately $573.48 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $827.64 per month, a 20-year term may cost approximately $1,103.78 per month, a 25-year term may cost approximately $1,598.63 per month, and a 30-year term may cost approximately $2,083.95 per month.
Age 50
A healthy non-smoking 50-year-old male may pay approximately $636.14 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $933.63 per month, a 20-year term may cost approximately $1,223.96 per month, a 25-year term may cost approximately $1,773.63 per month, and a 30-year term may cost approximately $2,315.12 per month.
Age 51
A healthy non-smoking 51-year-old male may pay approximately $715.26 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,021.11 per month, a 20-year term may cost approximately $1,348.56 per month, a 25-year term may cost approximately $1,974.88 per month, and a 30-year term may cost approximately $2,561.71 per month.
Age 52
A healthy non-smoking 52-year-old male may pay approximately $817.33 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,124.80 per month, a 20-year term may cost approximately $1,495.96 per month, a 25-year term may cost approximately $2,263.63 per month, and a 30-year term may cost approximately $2,999.41 per month.
Age 53
A healthy non-smoking 53-year-old male may pay approximately $908.98 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,222.38 per month, a 20-year term may cost approximately $1,678.36 per month, a 25-year term may cost approximately $2,499.88 per month, and a 30-year term may cost approximately $3,361.33 per month.
Age 54
A healthy non-smoking 54-year-old male may pay approximately $1,015.04 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,388.63 per month, a 20-year term may cost approximately $1,869.16 per month, a 25-year term may cost approximately $2,718.63 per month, and a 30-year term may cost approximately $3,847.79 per month.
Age 55
A healthy non-smoking 55-year-old male may pay approximately $1,142.95 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,544.31 per month, a 20-year term may cost approximately $2,094.36 per month, a 25-year term may cost approximately $3,226.13 per month, and a 30-year term may cost approximately $4,416.14 per month.
Age 56
A healthy non-smoking 56-year-old male may pay approximately $1,301.20 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,716.68 per month, a 20-year term may cost approximately $2,327.48 per month, a 25-year term may cost approximately $3,993.39 per month, and a 30-year term may cost approximately $5,492.28 per month.
Age 57
A healthy non-smoking 57-year-old male may pay approximately $1,436.24 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,917.68 per month, a 20-year term may cost approximately $2,604.48 per month, a 25-year term may cost approximately $4,527.93 per month, and a 30-year term may cost approximately $6,172.28 per month.
Age 58
A healthy non-smoking 58-year-old male may pay approximately $1,602.88 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $2,154.76 per month, a 20-year term may cost approximately $2,956.91 per month, a 25-year term may cost approximately $5,188.22 per month, and a 30-year term may cost approximately $6,979.78 per month.
Age 59
A healthy non-smoking 59-year-old male may pay approximately $1,715.48 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $2,422.09 per month, a 20-year term may cost approximately $3,315.36 per month, and a 25-year term may cost approximately $5,880.02 per month. A 30-year term is generally not available at age 59.
Age 60
A healthy non-smoking 60-year-old male may pay approximately $1,874.22 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $2,707.89 per month, a 20-year term may cost approximately $3,728.68 per month, and a 25-year term may cost approximately $6,697.64 per month. A 30-year term is generally not available at age 60.
Age 61
A healthy non-smoking 61-year-old male may pay approximately $2,267.06 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $2,965.84 per month, a 20-year term may cost approximately $4,253.18 per month, and a 25-year term may cost approximately $8,215.34 per month. A 30-year term is generally not available at age 61.
Age 62
A healthy non-smoking 62-year-old male may pay approximately $2,524.19 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $3,345.68 per month, a 20-year term may cost approximately $4,897.27 per month, and a 25-year term may cost approximately $9,322.29 per month. A 30-year term is generally not available at age 62.
Age 63
A healthy non-smoking 63-year-old male may pay approximately $2,779.19 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $3,746.56 per month, a 20-year term may cost approximately $5,546.84 per month, and a 25-year term may cost approximately $10,429.24 per month. A 30-year term is generally not available at age 63.
Age 64
A healthy non-smoking 64-year-old male may pay approximately $3,134.77 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $4,173.88 per month, a 20-year term may cost approximately $6,301.84 per month, and a 25-year term may cost approximately $11,741.05 per month. A 30-year term is generally not available at age 64.
Age 65
A healthy non-smoking 65-year-old male may pay approximately $3,519.60 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $4,687.81 per month, a 20-year term may cost approximately $7,195.84 per month, and a 25-year term may cost approximately $12,735.55 per month. A 30-year term is generally not available at age 65.
Age 66
A healthy non-smoking 66-year-old male may pay approximately $3,870.69 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $5,339.30 per month and a 20-year term may cost approximately $8,510.00 per month. Twenty-five-year and 30-year terms are generally not available at age 66.
Age 67
A healthy non-smoking 67-year-old male may pay approximately $4,311.02 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $6,052.40 per month and a 20-year term may cost approximately $10,038.60 per month. Twenty-five-year and 30-year terms are generally not available at age 67.
Age 68
A healthy non-smoking 68-year-old male may pay approximately $4,793.52 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $6,957.38 per month and a 20-year term may cost approximately $11,997.82 per month. Twenty-five-year and 30-year terms are generally not available at age 68.
Age 69
A healthy non-smoking 69-year-old male may pay approximately $5,327.33 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $8,019.38 per month and a 20-year term may cost approximately $13,667.76 per month. Twenty-five-year and 30-year terms are generally not available at age 69.
Age 70
A healthy non-smoking 70-year-old male may pay approximately $5,833.31 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $8,966.13 per month and a 20-year term may cost approximately $15,418.63 per month. Twenty-five-year and 30-year terms are generally not available at age 70.
Rate Disclaimer: Rates shown are monthly premiums for healthy non-smoking men purchasing a $10 million term life insurance policy. Rates are averages of the lowest available market pricing in 2026 and are subject to change. Actual premiums depend on health history, underwriting class, state of residence, carrier availability, and other risk factors.
$10 Million Life Insurance Rates by Age for Women
The pricing examples below show estimated monthly premiums for healthy non-smoking women purchasing a $10 million term life insurance policy. Rates are averages and may vary based on health, lifestyle, state, and underwriting classification.
Age 35
A healthy non-smoking 35-year-old female may pay approximately $108.30 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $146.11 per month, a 20-year term may cost approximately $216.13 per month, a 25-year term may cost approximately $329.88 per month, and a 30-year term may cost approximately $438.84 per month.
Age 36
A healthy non-smoking 36-year-old female may pay approximately $124.02 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $163.23 per month, a 20-year term may cost approximately $242.38 per month, a 25-year term may cost approximately $356.13 per month, and a 30-year term may cost approximately $471.35 per month.
Age 37
A healthy non-smoking 37-year-old female may pay approximately $141.02 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $185.76 per month, a 20-year term may cost approximately $268.63 per month, a 25-year term may cost approximately $391.13 per month, and a 30-year term may cost approximately $508.44 per month.
Age 38
A healthy non-smoking 38-year-old female may pay approximately $150.76 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $213.40 per month, a 20-year term may cost approximately $293.68 per month, a 25-year term may cost approximately $417.38 per month, and a 30-year term may cost approximately $554.16 per month.
Age 39
A healthy non-smoking 39-year-old female may pay approximately $166.39 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $230.82 per month, a 20-year term may cost approximately $317.53 per month, a 25-year term may cost approximately $452.38 per month, and a 30-year term may cost approximately $601.64 per month.
Age 40
A healthy non-smoking 40-year-old female may pay approximately $183.39 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $259.46 per month, a 20-year term may cost approximately $340.66 per month, a 25-year term may cost approximately $496.13 per month, and a 30-year term may cost approximately $653.63 per month.
Age 41
A healthy non-smoking 41-year-old female may pay approximately $208.89 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $284.57 per month, a 20-year term may cost approximately $379.31 per month, a 25-year term may cost approximately $539.88 per month, and a 30-year term may cost approximately $714.83 per month.
Age 42
A healthy non-smoking 42-year-old female may pay approximately $232.44 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $318.11 per month, a 20-year term may cost approximately $429.73 per month, a 25-year term may cost approximately $601.13 per month, and a 30-year term may cost approximately $783.63 per month.
Age 43
A healthy non-smoking 43-year-old female may pay approximately $259.22 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $346.79 per month, a 20-year term may cost approximately $478.63 per month, a 25-year term may cost approximately $662.38 per month, and a 30-year term may cost approximately $868.56 per month.
Age 44
A healthy non-smoking 44-year-old female may pay approximately $287.27 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $379.43 per month, a 20-year term may cost approximately $530.54 per month, a 25-year term may cost approximately $732.38 per month, and a 30-year term may cost approximately $957.56 per month.
Age 45
A healthy non-smoking 45-year-old female may pay approximately $319.18 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $421.17 per month, a 20-year term may cost approximately $592.38 per month, a 25-year term may cost approximately $828.63 per month, and a 30-year term may cost approximately $1,056.13 per month.
Age 46
A healthy non-smoking 46-year-old female may pay approximately $349.02 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $458.39 per month, a 20-year term may cost approximately $631.31 per month, a 25-year term may cost approximately $889.88 per month, and a 30-year term may cost approximately $1,154.16 per month.
Age 47
A healthy non-smoking 47-year-old female may pay approximately $383.37 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $507.86 per month, a 20-year term may cost approximately $698.84 per month, a 25-year term may cost approximately $994.88 per month, and a 30-year term may cost approximately $1,265.23 per month.
Age 48
A healthy non-smoking 48-year-old female may pay approximately $420.28 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $559.35 per month, a 20-year term may cost approximately $758.94 per month, a 25-year term may cost approximately $1,091.13 per month, and a 30-year term may cost approximately $1,405.52 per month.
Age 49
A healthy non-smoking 49-year-old female may pay approximately $463.51 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $614.31 per month, a 20-year term may cost approximately $819.03 per month, a 25-year term may cost approximately $1,178.63 per month, and a 30-year term may cost approximately $1,504.52 per month.
Age 50
A healthy non-smoking 50-year-old female may pay approximately $511.53 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $675.70 per month, a 20-year term may cost approximately $893.63 per month, a 25-year term may cost approximately $1,318.63 per month, and a 30-year term may cost approximately $1,719.64 per month.
Age 51
A healthy non-smoking 51-year-old female may pay approximately $562.03 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $723.83 per month, a 20-year term may cost approximately $986.71 per month, a 25-year term may cost approximately $1,502.38 per month, and a 30-year term may cost approximately $1,904.99 per month.
Age 52
A healthy non-smoking 52-year-old female may pay approximately $619.13 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $790.40 per month, a 20-year term may cost approximately $1,102.36 per month, a 25-year term may cost approximately $1,686.13 per month, and a 30-year term may cost approximately $2,148.86 per month.
Age 53
A healthy non-smoking 53-year-old female may pay approximately $681.24 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $866.68 per month, a 20-year term may cost approximately $1,233.58 per month, a 25-year term may cost approximately $1,826.13 per month, and a 30-year term may cost approximately $2,392.72 per month.
Age 54
A healthy non-smoking 54-year-old female may pay approximately $757.12 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $940.08 per month, a 20-year term may cost approximately $1,357.00 per month, a 25-year term may cost approximately $1,992.38 per month, and a 30-year term may cost approximately $2,636.57 per month.
Age 55
A healthy non-smoking 55-year-old female may pay approximately $834.11 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,028.12 per month, a 20-year term may cost approximately $1,506.96 per month, a 25-year term may cost approximately $2,298.63 per month, and a 30-year term may cost approximately $3,048.40 per month.
Age 56
A healthy non-smoking 56-year-old female may pay approximately $900.07 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,130.96 per month, a 20-year term may cost approximately $1,685.56 per month, a 25-year term may cost approximately $2,890.24 per month, and a 30-year term may cost approximately $3,843.28 per month.
Age 57
A healthy non-smoking 57-year-old female may pay approximately $1,002.80 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,248.78 per month, a 20-year term may cost approximately $1,879.42 per month, a 25-year term may cost approximately $3,342.48 per month, and a 30-year term may cost approximately $4,361.78 per month.
Age 58
A healthy non-smoking 58-year-old female may pay approximately $1,096.24 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,371.58 per month, a 20-year term may cost approximately $2,092.79 per month, a 25-year term may cost approximately $3,891.56 per month, and a 30-year term may cost approximately $4,880.28 per month.
Age 59
A healthy non-smoking 59-year-old female may pay approximately $1,193.03 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,537.47 per month, a 20-year term may cost approximately $2,360.15 per month, and a 25-year term may cost approximately $4,402.37 per month. A 30-year term is generally not available at age 59.
Age 60
A healthy non-smoking 60-year-old female may pay approximately $1,298.45 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,721.59 per month, a 20-year term may cost approximately $2,581.68 per month, and a 25-year term may cost approximately $4,982.71 per month. A 30-year term is generally not available at age 60.
Age 61
A healthy non-smoking 61-year-old female may pay approximately $1,437.61 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $1,915.76 per month, a 20-year term may cost approximately $2,984.47 per month, and a 25-year term may cost approximately $6,339.44 per month. A 30-year term is generally not available at age 61.
Age 62
A healthy non-smoking 62-year-old female may pay approximately $1,562.94 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $2,133.42 per month, a 20-year term may cost approximately $3,328.49 per month, and a 25-year term may cost approximately $7,395.69 per month. A 30-year term is generally not available at age 62.
Age 63
A healthy non-smoking 63-year-old female may pay approximately $1,779.83 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $2,410.81 per month, a 20-year term may cost approximately $3,833.08 per month, and a 25-year term may cost approximately $8,451.94 per month. A 30-year term is generally not available at age 63.
Age 64
A healthy non-smoking 64-year-old female may pay approximately $1,949.67 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $2,668.23 per month, a 20-year term may cost approximately $4,267.17 per month, and a 25-year term may cost approximately $9,590.55 per month. A 30-year term is generally not available at age 64.
Age 65
A healthy non-smoking 65-year-old female may pay approximately $2,177.82 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $3,052.35 per month, a 20-year term may cost approximately $4,796.57 per month, and a 25-year term may cost approximately $10,644.55 per month. A 30-year term is generally not available at age 65.
Age 66
A healthy non-smoking 66-year-old female may pay approximately $2,363.72 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $3,418.11 per month and a 20-year term may cost approximately $6,660.16 per month. Twenty-five-year and 30-year terms are generally not available at age 66.
Age 67
A healthy non-smoking 67-year-old female may pay approximately $2,558.07 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $3,786.70 per month and a 20-year term may cost approximately $7,722.21 per month. Twenty-five-year and 30-year terms are generally not available at age 67.
Age 68
A healthy non-smoking 68-year-old female may pay approximately $2,864.77 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $4,352.80 per month and a 20-year term may cost approximately $9,029.73 per month. Twenty-five-year and 30-year terms are generally not available at age 68.
Age 69
A healthy non-smoking 69-year-old female may pay approximately $3,195.77 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $4,801.63 per month and a 20-year term may cost approximately $10,390.05 per month. Twenty-five-year and 30-year terms are generally not available at age 69.
Age 70
A healthy non-smoking 70-year-old female may pay approximately $3,614.32 per month for a 10-year $10 million term life insurance policy. A 15-year term may cost approximately $5,387.29 per month and a 20-year term may cost approximately $11,849.48 per month. Twenty-five-year and 30-year terms are generally not available at age 70.
Rate Disclaimer: Rates shown are monthly premiums for healthy non-smoking women purchasing a $10 million term life insurance policy. Rates are averages of the lowest available market pricing in 2026 and are subject to change. Actual premiums depend on health history, underwriting class, state of residence, carrier availability, and other risk factors.