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$250,000 Term Life Insurance Rates by Age
Monthly premiums for a $250,000 term life policy under Preferred Non-Tobacco underwriting. Toggle between male and female pricing. "N/A" means that term length is generally not available at that age.
FAQ: $250,000 Term Life Insurance
How much does a $250,000 term life insurance policy cost?
A healthy 30-year-old may pay around $8–$12 per month for a $250,000 term life insurance policy, while a healthy 50-year-old may pay around $20–$38 per month, depending on sex and term length. Your actual premium will vary based on age, health, lifestyle, and the insurance company you choose.
Is $250,000 of life insurance enough?
For some people, yes. A $250,000 life insurance policy may be enough to cover final expenses, smaller debts, a portion of a mortgage, or provide financial support for a spouse or children. Families with larger financial obligations may need $500,000, $1 million, or more in coverage.
What is the cheapest term length for a $250,000 policy?
The 10-year term is usually the least expensive option because the insurance company is assuming risk for the shortest amount of time. As term lengths increase, premiums generally increase as well.
Why does a 30-year term cost more?
A 30-year term life insurance policy costs more because the insurance company guarantees your rate for a much longer period. The longer the coverage period, the greater the risk to the insurer, which results in higher premiums.
Can seniors get $250,000 of term life insurance?
Yes. Many life insurance companies offer $250,000 policies to applicants in their 60s and even early 70s. However, available term lengths may be more limited at older ages, and premiums will generally be higher than they are for younger applicants.
Do women pay less for $250,000 term life insurance?
In most cases, yes. Women typically qualify for lower life insurance rates than men because they generally have longer average life expectancies. This difference is reflected in pricing across most major life insurance companies.
Are these $250,000 life insurance rates guaranteed?
No. The rates shown are sample premiums based on specific underwriting assumptions. Your final rate will depend on factors such as your age, health history, medications, nicotine use, family history, driving record, state of residence, and the insurer's underwriting guidelines.
How do I get the best $250,000 life insurance rate?
Comparing multiple life insurance companies is usually the best way to find the lowest premium. Each carrier evaluates health conditions, nicotine use, build, and other risk factors differently. Shopping multiple carriers can often result in significant savings over the life of the policy.
Male $250,000 Term Life Insurance Rates by Age
Age 30
A healthy 30-year-old male may qualify for a $250,000 term life insurance policy for approximately $9.51 per month for a 10-year term, $12.20 per month for a 20-year term, or $17.75 per month for a 30-year term.
Age 31
A healthy 31-year-old male may qualify for a $250,000 term life insurance policy for approximately $9.72 per month for a 10-year term, $12.35 per month for a 20-year term, or $18.01 per month for a 30-year term.
Age 32
A healthy 32-year-old male may qualify for a $250,000 term life insurance policy for approximately $9.72 per month for a 10-year term, $12.52 per month for a 20-year term, or $18.57 per month for a 30-year term.
Age 33
A healthy 33-year-old male may qualify for a $250,000 term life insurance policy for approximately $9.72 per month for a 10-year term, $12.71 per month for a 20-year term, or $19.36 per month for a 30-year term.
Age 34
A healthy 34-year-old male may qualify for a $250,000 term life insurance policy for approximately $9.81 per month for a 10-year term, $12.94 per month for a 20-year term, or $20.12 per month for a 30-year term.
Age 35
A healthy 35-year-old male may qualify for a $250,000 term life insurance policy for approximately $9.81 per month for a 10-year term, $13.13 per month for a 20-year term, or $20.70 per month for a 30-year term.
Age 36
A healthy 36-year-old male may qualify for a $250,000 term life insurance policy for approximately $10.18 per month for a 10-year term, $13.78 per month for a 20-year term, or $21.84 per month for a 30-year term.
Age 37
A healthy 37-year-old male may qualify for a $250,000 term life insurance policy for approximately $10.52 per month for a 10-year term, $14.47 per month for a 20-year term, or $22.78 per month for a 30-year term.
Age 38
A healthy 38-year-old male may qualify for a $250,000 term life insurance policy for approximately $11.02 per month for a 10-year term, $15.32 per month for a 20-year term, or $24.47 per month for a 30-year term.
Age 39
A healthy 39-year-old male may qualify for a $250,000 term life insurance policy for approximately $11.45 per month for a 10-year term, $16.23 per month for a 20-year term, or $25.99 per month for a 30-year term.
Age 40
A healthy 40-year-old male may qualify for a $250,000 term life insurance policy for approximately $11.89 per month for a 10-year term, $16.63 per month for a 20-year term, or $27.79 per month for a 30-year term.
Age 41
A healthy 41-year-old male may qualify for a $250,000 term life insurance policy for approximately $12.90 per month for a 10-year term, $17.51 per month for a 20-year term, or $29.86 per month for a 30-year term.
Age 42
A healthy 42-year-old male may qualify for a $250,000 term life insurance policy for approximately $13.76 per month for a 10-year term, $19.47 per month for a 20-year term, or $32.35 per month for a 30-year term.
Age 43
A healthy 43-year-old male may qualify for a $250,000 term life insurance policy for approximately $14.72 per month for a 10-year term, $21.22 per month for a 20-year term, or $35.44 per month for a 30-year term.
Age 44
A healthy 44-year-old male may qualify for a $250,000 term life insurance policy for approximately $15.67 per month for a 10-year term, $23.42 per month for a 20-year term, or $38.56 per month for a 30-year term.
Age 45
A healthy 45-year-old male may qualify for a $250,000 term life insurance policy for approximately $16.77 per month for a 10-year term, $25.59 per month for a 20-year term, or $41.93 per month for a 30-year term.
Age 46
A healthy 46-year-old male may qualify for a $250,000 term life insurance policy for approximately $17.85 per month for a 10-year term, $27.32 per month for a 20-year term, or $45.93 per month for a 30-year term.
Age 47
A healthy 47-year-old male may qualify for a $250,000 term life insurance policy for approximately $19.03 per month for a 10-year term, $29.43 per month for a 20-year term, or $49.96 per month for a 30-year term.
Age 48
A healthy 48-year-old male may qualify for a $250,000 term life insurance policy for approximately $20.27 per month for a 10-year term, $32.04 per month for a 20-year term, or $55.75 per month for a 30-year term.
Age 49
A healthy 49-year-old male may qualify for a $250,000 term life insurance policy for approximately $21.73 per month for a 10-year term, $34.70 per month for a 20-year term, or $61.03 per month for a 30-year term.
Age 50
A healthy 50-year-old male may qualify for a $250,000 term life insurance policy for approximately $23.00 per month for a 10-year term, $37.69 per month for a 20-year term, or $67.06 per month for a 30-year term.
Age 51
A healthy 51-year-old male may qualify for a $250,000 term life insurance policy for approximately $25.30 per month for a 10-year term, $40.90 per month for a 20-year term, or $76.59 per month for a 30-year term.
Age 52
A healthy 52-year-old male may qualify for a $250,000 term life insurance policy for approximately $27.63 per month for a 10-year term, $44.47 per month for a 20-year term, or $85.70 per month for a 30-year term.
Age 53
A healthy 53-year-old male may qualify for a $250,000 term life insurance policy for approximately $30.24 per month for a 10-year term, $49.18 per month for a 20-year term, or $94.22 per month for a 30-year term.
Age 54
A healthy 54-year-old male may qualify for a $250,000 term life insurance policy for approximately $33.21 per month for a 10-year term, $53.97 per month for a 20-year term, or $104.36 per month for a 30-year term.
Age 55
A healthy 55-year-old male may qualify for a $250,000 term life insurance policy for approximately $36.71 per month for a 10-year term, $59.13 per month for a 20-year term, or $117.04 per month for a 30-year term.
Age 56
A healthy 56-year-old male may qualify for a $250,000 term life insurance policy for approximately $40.01 per month for a 10-year term, $66.22 per month for a 20-year term, or $171.49 per month for a 30-year term.
Age 57
A healthy 57-year-old male may qualify for a $250,000 term life insurance policy for approximately $43.62 per month for a 10-year term, $73.75 per month for a 20-year term, or $192.74 per month for a 30-year term.
Age 58
A healthy 58-year-old male may qualify for a $250,000 term life insurance policy for approximately $47.77 per month for a 10-year term, $82.89 per month for a 20-year term, or $202.09 per month for a 30-year term.
Age 59
A healthy 59-year-old male may qualify for a $250,000 term life insurance policy for approximately $52.44 per month for a 10-year term, $92.35 per month for a 20-year term, or $176.04 per month for a 25-year term.
Age 60
A healthy 60-year-old male may qualify for a $250,000 term life insurance policy for approximately $57.75 per month for a 10-year term, $103.53 per month for a 20-year term, or $199.42 per month for a 25-year term.
Age 61
A healthy 61-year-old male may qualify for a $250,000 term life insurance policy for approximately $63.82 per month for a 10-year term, $119.06 per month for a 20-year term, or $238.03 per month for a 25-year term.
Age 62
A healthy 62-year-old male may qualify for a $250,000 term life insurance policy for approximately $71.44 per month for a 10-year term, $135.61 per month for a 20-year term, or $265.50 per month for a 25-year term.
Age 63
A healthy 63-year-old male may qualify for a $250,000 term life insurance policy for approximately $79.26 per month for a 10-year term, $149.81 per month for a 20-year term, or $291.52 per month for a 25-year term.
Age 64
A healthy 64-year-old male may qualify for a $250,000 term life insurance policy for approximately $87.19 per month for a 10-year term, $170.64 per month for a 20-year term, or $319.18 per month for a 25-year term.
Age 65
A healthy 65-year-old male may qualify for a $250,000 term life insurance policy for approximately $98.77 per month for a 10-year term, $192.07 per month for a 20-year term, or $345.10 per month for a 25-year term.
Age 66
A healthy 66-year-old male may qualify for a $250,000 term life insurance policy for approximately $111.89 per month for a 10-year term, $147.88 per month for a 15-year term, or $240.44 per month for a 20-year term.
Age 67
A healthy 67-year-old male may qualify for a $250,000 term life insurance policy for approximately $124.78 per month for a 10-year term, $169.23 per month for a 15-year term, or $281.79 per month for a 20-year term.
Age 68
A healthy 68-year-old male may qualify for a $250,000 term life insurance policy for approximately $136.86 per month for a 10-year term, $193.03 per month for a 15-year term, or $321.32 per month for a 20-year term.
Age 69
A healthy 69-year-old male may qualify for a $250,000 term life insurance policy for approximately $150.45 per month for a 10-year term, $218.98 per month for a 15-year term, or $361.95 per month for a 20-year term.
Age 70
A healthy 70-year-old male may qualify for a $250,000 term life insurance policy for approximately $167.03 per month for a 10-year term, $248.45 per month for a 15-year term, or $416.23 per month for a 20-year term.
Female $250,000 Term Life Insurance Rates by Age
Age 30
A healthy 30-year-old female may qualify for a $250,000 term life insurance policy for approximately $8.45 per month for a 10-year term, $10.74 per month for a 20-year term, or $15.30 per month for a 30-year term.
Age 31
A healthy 31-year-old female may qualify for a $250,000 term life insurance policy for approximately $8.60 per month for a 10-year term, $10.87 per month for a 20-year term, or $15.77 per month for a 30-year term.
Age 32
A healthy 32-year-old female may qualify for a $250,000 term life insurance policy for approximately $8.74 per month for a 10-year term, $10.99 per month for a 20-year term, or $16.08 per month for a 30-year term.
Age 33
A healthy 33-year-old female may qualify for a $250,000 term life insurance policy for approximately $8.83 per month for a 10-year term, $11.18 per month for a 20-year term, or $16.55 per month for a 30-year term.
Age 34
A healthy 34-year-old female may qualify for a $250,000 term life insurance policy for approximately $8.88 per month for a 10-year term, $11.39 per month for a 20-year term, or $17.14 per month for a 30-year term.
Age 35
A healthy 35-year-old female may qualify for a $250,000 term life insurance policy for approximately $8.93 per month for a 10-year term, $11.61 per month for a 20-year term, or $17.82 per month for a 30-year term.
Age 36
A healthy 36-year-old female may qualify for a $250,000 term life insurance policy for approximately $9.36 per month for a 10-year term, $12.07 per month for a 20-year term, or $18.52 per month for a 30-year term.
Age 37
A healthy 37-year-old female may qualify for a $250,000 term life insurance policy for approximately $9.68 per month for a 10-year term, $12.65 per month for a 20-year term, or $19.46 per month for a 30-year term.
Age 38
A healthy 38-year-old female may qualify for a $250,000 term life insurance policy for approximately $10.09 per month for a 10-year term, $13.44 per month for a 20-year term, or $20.47 per month for a 30-year term.
Age 39
A healthy 39-year-old female may qualify for a $250,000 term life insurance policy for approximately $10.34 per month for a 10-year term, $14.18 per month for a 20-year term, or $21.50 per month for a 30-year term.
Age 40
A healthy 40-year-old female may qualify for a $250,000 term life insurance policy for approximately $10.77 per month for a 10-year term, $15.05 per month for a 20-year term, or $22.53 per month for a 30-year term.
Age 41
A healthy 41-year-old female may qualify for a $250,000 term life insurance policy for approximately $11.58 per month for a 10-year term, $15.95 per month for a 20-year term, or $24.05 per month for a 30-year term.
Age 42
A healthy 42-year-old female may qualify for a $250,000 term life insurance policy for approximately $12.28 per month for a 10-year term, $17.06 per month for a 20-year term, or $25.85 per month for a 30-year term.
Age 43
A healthy 43-year-old female may qualify for a $250,000 term life insurance policy for approximately $13.10 per month for a 10-year term, $18.25 per month for a 20-year term, or $28.12 per month for a 30-year term.
Age 44
A healthy 44-year-old female may qualify for a $250,000 term life insurance policy for approximately $13.92 per month for a 10-year term, $19.65 per month for a 20-year term, or $30.34 per month for a 30-year term.
Age 45
A healthy 45-year-old female may qualify for a $250,000 term life insurance policy for approximately $15.01 per month for a 10-year term, $20.91 per month for a 20-year term, or $33.05 per month for a 30-year term.
Age 46
A healthy 46-year-old female may qualify for a $250,000 term life insurance policy for approximately $15.70 per month for a 10-year term, $22.42 per month for a 20-year term, or $35.73 per month for a 30-year term.
Age 47
A healthy 47-year-old female may qualify for a $250,000 term life insurance policy for approximately $16.55 per month for a 10-year term, $24.00 per month for a 20-year term, or $38.61 per month for a 30-year term.
Age 48
A healthy 48-year-old female may qualify for a $250,000 term life insurance policy for approximately $17.37 per month for a 10-year term, $25.97 per month for a 20-year term, or $43.49 per month for a 30-year term.
Age 49
A healthy 49-year-old female may qualify for a $250,000 term life insurance policy for approximately $18.32 per month for a 10-year term, $27.93 per month for a 20-year term, or $47.43 per month for a 30-year term.
Age 50
A healthy 50-year-old female may qualify for a $250,000 term life insurance policy for approximately $19.75 per month for a 10-year term, $30.17 per month for a 20-year term, or $51.46 per month for a 30-year term.
Age 51
A healthy 51-year-old female may qualify for a $250,000 term life insurance policy for approximately $20.65 per month for a 10-year term, $32.21 per month for a 20-year term, or $57.75 per month for a 30-year term.
Age 52
A healthy 52-year-old female may qualify for a $250,000 term life insurance policy for approximately $22.13 per month for a 10-year term, $34.63 per month for a 20-year term, or $62.94 per month for a 30-year term.
Age 53
A healthy 53-year-old female may qualify for a $250,000 term life insurance policy for approximately $23.96 per month for a 10-year term, $37.59 per month for a 20-year term, or $70.26 per month for a 30-year term.
Age 54
A healthy 54-year-old female may qualify for a $250,000 term life insurance policy for approximately $25.87 per month for a 10-year term, $40.69 per month for a 20-year term, or $76.41 per month for a 30-year term.
Age 55
A healthy 55-year-old female may qualify for a $250,000 term life insurance policy for approximately $27.85 per month for a 10-year term, $44.24 per month for a 20-year term, or $84.61 per month for a 30-year term.
Age 56
A healthy 56-year-old female may qualify for a $250,000 term life insurance policy for approximately $29.76 per month for a 10-year term, $49.08 per month for a 20-year term, or $130.26 per month for a 30-year term.
Age 57
A healthy 57-year-old female may qualify for a $250,000 term life insurance policy for approximately $31.92 per month for a 10-year term, $53.25 per month for a 20-year term, or $147.48 per month for a 30-year term.
Age 58
A healthy 58-year-old female may qualify for a $250,000 term life insurance policy for approximately $34.16 per month for a 10-year term, $60.18 per month for a 20-year term, or $164.48 per month for a 30-year term.
Age 59
A healthy 59-year-old female may qualify for a $250,000 term life insurance policy for approximately $36.70 per month for a 10-year term, $66.16 per month for a 20-year term, or $130.76 per month for a 25-year term.
Age 60
A healthy 60-year-old female may qualify for a $250,000 term life insurance policy for approximately $39.47 per month for a 10-year term, $73.39 per month for a 20-year term, or $148.10 per month for a 25-year term.
Age 61
A healthy 61-year-old female may qualify for a $250,000 term life insurance policy for approximately $43.30 per month for a 10-year term, $82.25 per month for a 20-year term, or $180.19 per month for a 25-year term.
Age 62
A healthy 62-year-old female may qualify for a $250,000 term life insurance policy for approximately $48.07 per month for a 10-year term, $93.85 per month for a 20-year term, or $203.85 per month for a 25-year term.
Age 63
A healthy 63-year-old female may qualify for a $250,000 term life insurance policy for approximately $53.00 per month for a 10-year term, $104.58 per month for a 20-year term, or $227.51 per month for a 25-year term.
Age 64
A healthy 64-year-old female may qualify for a $250,000 term life insurance policy for approximately $58.43 per month for a 10-year term, $117.24 per month for a 20-year term, or $252.66 per month for a 25-year term.
Age 65
A healthy 65-year-old female may qualify for a $250,000 term life insurance policy for approximately $64.66 per month for a 10-year term, $132.03 per month for a 20-year term, or $276.46 per month for a 25-year term.
Age 66
A healthy 66-year-old female may qualify for a $250,000 term life insurance policy for approximately $73.27 per month for a 10-year term, $98.90 per month for a 15-year term, or $190.61 per month for a 20-year term.
Age 67
A healthy 67-year-old female may qualify for a $250,000 term life insurance policy for approximately $80.05 per month for a 10-year term, $108.12 per month for a 15-year term, or $214.50 per month for a 20-year term.
Age 68
A healthy 68-year-old female may qualify for a $250,000 term life insurance policy for approximately $86.84 per month for a 10-year term, $119.53 per month for a 15-year term, or $246.28 per month for a 20-year term.
Age 69
A healthy 69-year-old female may qualify for a $250,000 term life insurance policy for approximately $95.90 per month for a 10-year term, $132.15 per month for a 15-year term, or $286.02 per month for a 20-year term.
Age 70
A healthy 70-year-old female may qualify for a $250,000 term life insurance policy for approximately $107.69 per month for a 10-year term, $145.67 per month for a 15-year term, or $329.62 per month for a 20-year term.