If you're 40 years old and looking for a $2,000,000 term life insurance policy, the rates can vary a lot—especially based on your height, weight, nicotine use, and overall health history. Even a small change in your build or whether you occasionally use nicotine pouches, vape, dip, or smoke can push your rate up or down by 20–40%. That’s why the smartest move is to click the “Request a Quote” button and let LifeStein shop the market for you. We work with 50+ life insurance co

If you're a 39-year-old male shopping for a $5,000,000 term life insurance policy, the rates vary widely depending on the carrier and the term length you choose. Below are the full-market, no-repeat charts for 10-year, 20-year, and 30-year term life insurance—showing only the cheapest product from each company. This gives you a true apples-to-apples comparison across every major life insurance carrier in the U.S. These charts are pulled directly from real 2025 carrier data, s

If you’re 38 years old and looking for a $1 million life insurance policy, the first question you probably have is simple: How much does it cost? The answer depends on the term length you choose. A 10-year policy is usually the cheapest, a 20-year term is the most common, and a 30-year term gives you the longest guaranteed rate — all at different price points. To make this easy, we pulled the full market rates from every major life insurance company for a healthy 38-year-old