How much does a $1,000,000 life insurance policy cost for a 35-year-old?

For a healthy 35-year-old male in a top health class, $1,000,000 of term life insurance typically ranges from about $32 per month for a 20-year term up to around $90 per month for a 30-year term, depending on the company and exact health rating.

Which company is the cheapest for a 35-year-old buying $1,000,000 of term life insurance?

In recent rate comparisons for a 35-year-old male buying a $1,000,000 policy, Symetra, Protective, Corebridge, Banner Life, and Pacific Life are often among the lowest-priced carriers across 20-, 25-, and 30-year term lengths, though the cheapest option can vary by state and underwriting details.

Is $1,000,000 of life insurance enough coverage at age 35?

Many financial planners recommend 10 to 15 times your annual income in life insurance coverage. For a 35-year-old earning roughly $70,000 to $120,000 per year, a $1,000,000 policy can be appropriate, but higher earners or those with larger debts or young children may want to consider more.

Should a 35-year-old choose a 20-, 25-, or 30-year term for $1,000,000 of coverage?

A 20-year term often offers the lowest monthly cost and can work if your main goal is to cover income and debts until your mid-50s. A 25-year term can be a good balance between cost and protection, lasting until about age 60. A 30-year term is the most popular for many 35-year-olds because it locks in coverage through about age 65, covering kids’ school years, mortgage years, and peak earning years.

Do nicotine pouches like Zyn, VELO, or On! count as tobacco for life insurance underwriting?

Most life insurance companies treat nicotine pouches as nicotine use, even if there is no smoke or tobacco leaf. That can lead to higher rates similar to other nicotine users. However, some carriers are more lenient with nicotine pouches, and working with a broker who specializes in nicotine users, like LifeStein.com, can help you find companies that may offer better pricing.

How Much Is a $1 Million Life Insurance Policy for a 35-Year-Old? (Full 2025 Market Breakdown + Cheapest Companies)

mattmims
Nov 21
4 min read

If you’re 35 years old and shopping for $1,000,000 of term life insurance, you’re in the single most affordable age range for high-limit coverage. Your income is rising, your health is usually strong, and carriers compete hard for your demographic — which means pricing is at its absolute best.

Below is the full market pulled directly from carrier rate software. This includes 20-year, 25-year, and 30-year term options for a healthy 35-year-old male.

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Life Insurance Cost for a 35-Year Old Male — $1 Million life insurance cost for a 35-Year Old Male

20-Year Term — $1,000,000 Policy (Age 35 Male)

Term Life Quote

Carrier / Product	AM Best	Health Class	Monthly
Symetra SwiftTerm Instant Issue	A	Super Preferred Non-Nicotine	$32.28
Protective Classic Choice Term	A+	Select Preferred	$32.29
Corebridge Select-a-Term	A	Preferred Plus Non-Tobacco	$32.10
Corebridge SimpliNow Choice	A	Preferred Plus Non-Tobacco	$32.10
Principal Non-Convertible	A+	Super Preferred Non-Tobacco	$33.21
Pacific Life Promise Term	A+	Super Preferred Non-Tobacco	$33.08
Banner OPTerm	A+	Preferred Plus Non-Tobacco	$33.29
Principal Convertible	A+	Super Preferred Non-Tobacco	$33.87
Symetra SwiftTerm (Conversion Rider)	A	Super Preferred Non-Nicotine	$34.19
Principal Convertible Extension	A+	Super Preferred Non-Tobacco	$38.01
Nationwide GLT	A+	Preferred Plus Non-Tobacco	$38.94
Lincoln TermAccel	A	Preferred Plus Non-Tobacco	$39.12
Minnesota Life Advantage Elite	A+	Preferred Select Non-Tobacco	$40.17
Minnesota Life Advantage ECA	A+	Preferred Select Non-Tobacco	$41.38
John Hancock Vitality	A+	Super Preferred	$40.92
Hancock Protection Term	A+	Super Preferred	$41.46
Foresters Your Term	A	Preferred Best	$42.01
Lincoln LifeElements	A	Preferred Plus	$41.67
National Life Group 20-G	A+	Elite Non-Tobacco	$42.68
Cincinnati Termsetter	A+	Preferred Plus	$40.98
North American ADDvantage	A+	Super Preferred	$42.68
Protective w/ CER	A+	Select Preferred	$42.49
Prudential Essential Term	A+	Preferred Best	$44.19
MassMutual Term	A++	Ultra-Preferred	$44.81
United of Omaha (Agent & Brokerage)	A+	Preferred Plus	$44.94
Prudential Essential Term Plus	A+	Preferred Best	$47.69
Prudential Term Essential	A+	Preferred Best	$50.32
MassMutual Term ECP	A++	Ultra-Preferred	$54.37
Assurity	A-	Preferred Plus	$55.68

These are the absolute cheapest $1,000,000 20-year rates for a healthy 35-year-old male across all major life insurance carriers. It’s the most requested term length in the U.S. and the pricing sweet spot. Symetra, Protective, and Corebridge dominate the top of the list.

25-Year Term — $1,000,000 Policy (Age 35 Male)

Term Life Quote

Carrier / Product	AM Best	Health Class	Monthly
Banner OPTerm	A+	Preferred Plus Non-Tobacco	$50.27
Protective Classic Choice	A+	Select Preferred	$50.28
Corebridge Select-a-Term	A	Preferred Plus	$49.98
Corebridge SimpliNow	A	Preferred Plus	$49.98
Pacific Life Promise Term	A+	Super Preferred	$50.44
Cincinnati Termsetter	A+	Preferred Plus	$55.35
Protective w/ CER	A+	Select Preferred	$60.48
Foresters Your Term	A	Preferred Best	$64.76
MassMutual Term	A++	Ultra-Preferred	$65.69
MassMutual Term ECP	A++	Ultra-Preferred	$71.78

A 25-year term is perfect for 35-year-olds who want protection until age 60. Banner, Protective, Corebridge, and Pacific Life continue to own the best pricing tier.

30-Year Term — $1,000,000 Policy (Age 35 Male)

Term Life Quote

Carrier / Product	AM Best	Health Class	Monthly
Banner OPTerm	A+	Preferred Plus	$62.50
Symetra SwiftTerm	A	Super Preferred	$62.51
Protective Classic Choice	A+	Select Preferred	$62.52
Corebridge Select-a-Term	A	Preferred Plus	$62.36
Pacific Life Promise Term	A+	Super Preferred	$63.07
Principal Non-Convertible	A+	Super Preferred	$65.36
Symetra (Conversion Rider)	A	Super Preferred	$64.80
Principal Convertible	A+	Super Preferred	$67.97
Nationwide GLT	A+	Preferred Plus	$70.44
Prudential Essential Term	A+	Preferred Best	$70.44
Lincoln TermAccel	A	Preferred Plus	$70.08
Cincinnati Termsetter	A+	Preferred Plus	$69.71
North American ADDvantage	A+	Super Preferred	$72.60
Minnesota Life Advantage	A+	Preferred Select	$73.48
Principal Convertible Extension	A+	Super Preferred	$73.25
Protective w/ CER	A+	Select Preferred	$72.72
Foresters Your Term	A	Preferred Best	$75.26
Minnesota Life ECA	A+	Preferred Select	$75.68
Prudential Term Essential	A+	Preferred Best	$76.57
Prudential Essential Term Plus	A+	Preferred Best	$76.57
Lincoln LifeElements	A	Preferred Plus	$75.89
United of Omaha	A+	Preferred Plus	$75.90
Assurity	A-	Preferred Plus	$81.78
MassMutual Term	A++	Ultra-Preferred	$83.96
National Life Group 30-G	A+	Elite Non-Tobacco	$85.80
John Hancock Vitality	A+	Super Preferred	$87.52
Hancock Protection Term	A+	Super Preferred	$91.76
MassMutual Term ECP	A++	Ultra-Preferred	$90.05

A 30-year term locks in coverage through age 65. Despite the longer term, rates stay competitive. Banner and Symetra remain at the top, with Protective, Corebridge, and Pacific Life rounding out the cheapest tier.