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Life Insurance Cost for a 37-Year-Old: Full Market Rates for Males and Females (2025)

This page shows full-market term life prices for a 37-year-old, male and female, across 10-, 20-, and 30-year terms at $250k, $500k, and $1M coverage. We list every carrier and product with AM Best rating and monthly premium so you can compare the entire market at a glance.


Life Insurance Cost at 37 Years Old
Life Insurance Cost 37 years Old

10-Year Term — $250,000 — Male, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

10.52

Corebridge

Select-a-Term (SimpliNow Choice)

10.52

Banner Life

OPTerm

10.55

Symetra

SwiftTerm Instant

10.56

Pacific Life

Promise Term

10.57

Protective

Classic Choice

10.58

Principal National

Term – NC

10.92

Principal National

Term – Convertible

11.08

Cincinnati Life

Termsetter

10.99

Securian

Advantage Elite Select

11.44

Description: Full market pricing for a 37-year-old male buying a 10-year, $250k term policy, listed by carrier/product with AM Best rating and monthly cost.

10-Year Term — $500,000 — Male, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

14.78

Corebridge

Select-a-Term (SimpliNow Choice)

14.78

Symetra

SwiftTerm Instant

14.86

Protective

Classic Choice

14.90

Pacific Life

Promise Term

15.21

Principal National

Term – NC

15.39

Principal National

Term – Convertible

15.70

Banner Life

OPTerm

16.49

Cincinnati Life

Termsetter

16.48

Securian

Advantage Elite Select

16.28

Description: Full market pricing for a 10-year, $500k term for a 37-year-old male.

10-Year Term — $1,000,000 — Male, Age 37

Carrier

Product

Monthly

Symetra

SwiftTerm Instant

21.85

Corebridge

Select-a-Term

21.89

Corebridge

Select-a-Term (SimpliNow Choice)

21.89

Pacific Life

Promise Term

22.08

Principal National

Term – NC

22.34

Principal National

Term – Convertible

22.79

Protective

Classic Choice

23.99

Nationwide

GLT

24.94

Securian

Advantage Elite Select

25.96

Cincinnati Life

Termsetter

32.53 (next cheapest after main cluster)

Description: Full market pricing for a 10-year, $1M term for a 37-year-old male.

20-Year Term — $250,000 — Male, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

14.47

Corebridge

Select-a-Term (SimpliNow)

14.47

Banner Life

OPTerm

14.54

Protective

Classic Choice

14.55

Symetra

SwiftTerm Instant

14.55

Pacific Life

Promise Term

14.61

Principal National

Term – NC

14.82

Symetra

SwiftTerm Conv Enhanced

15.19

Cincinnati Life

Termsetter

15.42

Lincoln

TermAccel

15.92

Description: Full market pricing for a 20-year, $250k term for a 37-year-old male.

20-Year Term — $500,000 — Male, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

22.77

Corebridge

Select-a-Term (SimpliNow)

22.77

Banner Life

OPTerm

22.89

Protective

Classic Choice

22.90

Symetra

SwiftTerm Instant

22.90

Pacific Life

Promise Term

22.94

Principal National

Term – NC

23.19

Symetra

SwiftTerm Conv Enhanced

24.12

Cincinnati Life

Termsetter

24.93

Nationwide

GLT

26.25

Description: Full market pricing for a 20-year, $500k term for a 37-year-old male. 

20-Year Term — $1,000,000 — Male, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

37.76

Corebridge

Select-a-Term (SimpliNow)

37.76

Protective

Classic Choice

37.98

Symetra

SwiftTerm Instant

37.98

Pacific Life

Promise Term

38.02

Banner Life

OPTerm

38.25

Principal National

Term – NC

38.44

Symetra

SwiftTerm Conv

40.25

Principal National

Term – Convertible

40.42

Lincoln

TermAccel

46.61

Description: Full market pricing for a 20-year, $1M term for a 37-year-old male. 

30-Year Term — $250,000 — Male, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

22.78

Corebridge

Select-a-Term (SimpliNow)

22.78

Banner Life

OPTerm

22.90

Protective

Classic Choice

22.91

Symetra

SwiftTerm Instant

22.91

Pacific Life

Promise Term

23.10

Symetra

SwiftTerm Conv

23.61

Cincinnati Life

Termsetter

24.51

Principal National

Term – NC

24.94

Lincoln

TermAccel

25.64

Description: Full market pricing for a 30-year, $250k term for a 37-year-old male. 

30-Year Term — $500,000 — Male, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

38.62

Corebridge

Select-a-Term (SimpliNow)

38.62

Banner Life

OPTerm

38.83

Protective

Classic Choice

38.84

Symetra

SwiftTerm Instant

38.84

Pacific Life

Promise Term

39.13

Symetra

SwiftTerm Conv

40.17

Cincinnati Life

Termsetter

42.25

Principal National

Term – NC

43.43

Lincoln

TermAccel

44.33

Description: Full market pricing for a 30-year, $500k term for a 37-year-old male. 

30-Year Term — $1,000,000 — Male, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

71.42

Corebridge

Select-a-Term (SimpliNow)

71.42

Banner Life

OPTerm

71.82

Protective

Classic Choice

71.83

Symetra

SwiftTerm Instant

71.83

Pacific Life

Promise Term

72.31

Symetra

SwiftTerm Conv

74.49

Principal National

Term – NC

79.12

Prudential

Essential Term

80.94

Principal National

Term – Convertible

81.72

Description: Full market pricing for a 30-year, $1M term for a 37-year-old male.

10-YEAR TERM — $250,000 — Female, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

9.66

Corebridge

SimpliNow Choice

9.66

Banner Life

OPTerm

9.69

Symetra

SwiftTerm Instant

9.75

Pacific Life

Promise Term

9.77

Protective

Classic Choice

9.81

Principal National

Term – NC

9.92

Principal National

Term – Convertible

10.06

Cincinnati Life

Termsetter

10.19

Securian

Advantage Elite Select

10.42

Description: Full market pricing for a 37-year-old female buying a 10-year, $250k term policy.

10-YEAR TERM — $500,000 — Female, Age 37

Carrier

Product

Monthly

Corebridge

Select-a-Term

12.86

Corebridge

SimpliNow

12.86

Symetra

SwiftTerm Instant

12.95

Protective

Classic Choice

12.98

Pacific Life

Promise Term

13.21

Principal National

Term – NC

13.29

Principal National

Convertible

13.45

Banner Life

OPTerm

14.08

Cincinnati Life

Termsetter

14.15

Securian

Advantage Elite Select

13.88

Description: Full market pricing for a 10-year, $500k term for a 37-year-old female.

10-YEAR TERM — $1,000,000 — Female, Age 37

Carrier

Product

Monthly

Symetra

SwiftTerm Instant

18.75

Corebridge

Select-a-Term

18.78

Corebridge

SimpliNow

18.78

Pacific Life

Promise Term

18.90

Principal National

Term – NC

18.98

Principal National

Convertible

19.18

Protective

Classic Choice

19.94

Nationwide

GLT

20.55

Securian

Advantage Elite Select

21.38

Securian

Advantage Elite Select w/ECA

21.91

Description: Full market pricing for a 10-year, $1M term for a 37-year-old female.

20-YEAR TERM — $250,000 — Female, Age 37

Carrier

Product

AM Best

Monthly

Banner Life

OPTerm

A+

$12.65

Protective

Classic Choice

A+

$12.65

Symetra

SwiftTerm Instant Issue

A

$12.65

Corebridge

Select-a-Term

A

$12.57

Corebridge

Select-a-Term (SimpliNow)

A

$12.57

Pacific Life

Promise Term

A+

$12.67

Principal National

Term – Non-Convertible

A+

$12.83

Principal National

Term – Convertible

A+

$13.13

Symetra

SwiftTerm w/ Conv. Enhancement

A

$13.02

Cincinnati Life

Termsetter

A+

$13.19

Lincoln National

TermAccel

A

$13.57

Minnesota Life

Advantage Elite Select

A+

$14.09

Principal National

Term – Conv. w/ Extension

A+

$13.78

Minnesota Life

Advantage Elite Select w/ECA

A+

$14.52

National Life Group

LSW 20-G

A+

$14.60

North American

ADDvantage

A+

$14.82

Nationwide

GLT Brokerage

A+

$14.92

Nationwide

(IU) GLT Brokerage

A+

$14.92

Foresters

Your Term (medical)

A

$15.00

MassMutual

MassMutual Term

A++

$15.00

Prudential

Essential Term Value

A+

$15.20

United of Omaha

TLA – Brokerage

A+

$15.11

United of Omaha

TLA – Agent

A+

$15.11

Protective

Classic Choice w/ CER

A+

$15.01

Prudential

Essential Term Plus

A+

$15.94

John Hancock

Protection Term

A+

$16.06

Prudential

Term Essential Long App

A+

$16.19

Assurity

Term Life Insurance

A-

$16.79

John Hancock

Vitality Term

A+

$16.86

MassMutual

MassMutual Term ECP

A++

$17.73

Lincoln National

LifeElements (eApp)

A

$18.55

Lincoln National

LifeElements (eTicket)

A

$18.55

Description: Full market pricing for a 20-year, $250k term for a 37-year-old female.

20-YEAR TERM — $500,000 — Female, Age 37

Carrier

Product

AM Best

Monthly

Banner Life

OPTerm

A+

$20.20

Protective

Classic Choice Term

A+

$20.21

Symetra

SwiftTerm Instant Issue

A

$20.21

Corebridge

Select-a-Term

A

$20.12

Corebridge

Select-a-Term (SimpliNow)

A

$20.12

Pacific Life

Promise Term

A+

$20.18

Principal National

Term – Non-Convertible

A+

$20.41

Principal National

Term – Convertible

A+

$21.15

Symetra

SwiftTerm w/ Conv. Enhancement

A

$21.06

Cincinnati Life

Termsetter

A+

$21.53

Nationwide

GLT Brokerage

A+

$22.50

Nationwide

(IU) GLT Brokerage

A+

$22.50

Minnesota Life

Advantage Elite Select

A+

$23.00

Principal National

Term – Conv. w/ Extension

A+

$22.45

Minnesota Life

Advantage Elite Select w/ECA

A+

$23.69

Lincoln National

TermAccel

A

$23.13

National Life Group

LSW 20-G

A+

$23.75

North American

ADDvantage

A+

$24.12

MassMutual

MassMutual Term

A++

$24.26

Prudential

Essential Term Value

A+

$24.86

John Hancock

Protection Term

A+

$24.94

United of Omaha

TLA – Brokerage

A+

$24.92

United of Omaha

TLA – Agent

A+

$24.92

John Hancock

Vitality Term

A+

$24.93

Foresters

Your Term (medical)

A

$25.31

Protective

Classic Choice Term w/ CER

A+

$24.63

Prudential

Essential Term Plus

A+

$26.54

Prudential

Term Essential Long App

A+

$27.14

MassMutual

MassMutual Term ECP

A++

$29.40

Assurity

Term Life Insurance

A-

$29.40

Lincoln National

LifeElements (eApp)

A

$31.75

Lincoln National

LifeElements (eTicket)

A

$31.75

Description: Full market pricing for a 20-year, $500k term for a 37-year-old female.

20-YEAR TERM — $1,000,000 — Female, Age 37

Carrier

Product

AM Best

Monthly

Protective

Classic Choice Term

A+

$34.48

Symetra

SwiftTerm Instant Issue

A

$34.48

Corebridge

Select-a-Term

A

$34.28

Corebridge

Select-a-Term (SimpliNow)

A

$34.28

Principal National

Term – Non-Convertible

A+

$34.72

Pacific Life

Promise Term

A+

$34.41

Banner Life

OPTerm

A+

$34.73

Principal National

Term – Convertible

A+

$36.41

Symetra

SwiftTerm w/ Conv. Enhancement

A

$36.17

Principal National

Term – Conv. w/ Extension

A+

$39.48

Nationwide

GLT Brokerage

A+

$40.39

Nationwide

(IU) GLT Brokerage

A+

$40.39

Minnesota Life

Advantage Elite Select

A+

$40.65

Lincoln National

TermAccel

A

$40.53

Minnesota Life

Advantage Elite Select w/ECA

A+

$41.82

Cincinnati Life

Termsetter

A+

$40.63

North American

ADDvantage

A+

$42.02

John Hancock

Vitality Term

A+

$41.74

John Hancock

Protection Term

A+

$42.64

Foresters

Your Term (medical)

A

$43.24

National Life Group

LSW 20-G

A+

$43.75

Prudential

Essential Term Value

A+

$43.75

Lincoln National

LifeElements (eApp)

A

$43.17

Lincoln National

LifeElements (eTicket)

A

$43.17

MassMutual

MassMutual Term

A++

$44.65

United of Omaha

TLA – Brokerage

A+

$44.72

United of Omaha

TLA – Agent

A+

$44.72

Protective

Classic Choice Term w/ CER

A+

$44.46

Prudential

Essential Term Plus

A+

$47.94

Prudential

Term Essential Long App

A+

$49.19

MassMutual

MassMutual Term ECP

A++

$53.78

Assurity

Term Life Insurance

A-

$55.50

Description: Full market pricing for a 20-year, $1M term for a 37-year-old female.

30-YEAR TERM — $250,000 — Female, Age 37

Carrier

Product

AM Best

Monthly

Banner Life

OPTerm

A+

$19.46

Protective

Classic Choice Term

A+

$19.46

Symetra

SwiftTerm Instant Issue

A

$19.46

Corebridge

Select-a-Term

A

$19.40

Corebridge

Select-a-Term (SimpliNow)

A

$19.40

Pacific Life

Promise Term

A+

$19.51

Symetra

SwiftTerm w/ Conv. Enhancement

A

$19.96

Cincinnati Life

Termsetter

A+

$20.70

Principal National

Term – Non-Convertible

A+

$20.97

Lincoln National

TermAccel

A

$21.57

Principal National

Term – Convertible

A+

$21.80

Minnesota Life

Advantage Elite Select

A+

$22.17

Nationwide

GLT Brokerage

A+

$22.26

Nationwide

(IU) GLT Brokerage

A+

$22.26

Prudential

Essential Term Value

A+

$22.26

Minnesota Life

Advantage Elite Select w/ECA

A+

$22.72

Protective

Classic Choice w/ CER

A+

$22.20

Principal National

Term – Conv. w/ Extension

A+

$22.89

United of Omaha

TLA – Brokerage

A+

$23.15

United of Omaha

TLA – Agent

A+

$23.15

Prudential

Essential Term Plus

A+

$23.88

Prudential

Term Essential Long App

A+

$24.25

National Life Group

LSW 30-G

A+

$24.53

North American

ADDvantage

A+

$24.77

Assurity

Term Life Insurance

A-

$24.60

Foresters

Your Term (medical)

A

$25.12

MassMutual

MassMutual Term

A++

$25.58

MassMutual

MassMutual Term ECP

A++

$27.37

Lincoln National

LifeElements (eApp)

A

$27.48

Lincoln National

LifeElements (eTicket)

A

$27.48

John Hancock

Protection Term

A+

$28.33

John Hancock

Vitality Term

A+

$28.38

Description: Full market pricing for a 30-year, $250k term for a 37-year-old female.

30-YEAR TERM — $500,000 — Female, Age 37

Carrier

Product

AM Best

Monthly

Banner Life

OPTerm

A+

$32.57

Protective

Classic Choice Term

A+

$32.58

Symetra

SwiftTerm Instant Issue

A

$32.58

Corebridge

Select-a-Term

A

$32.49

Corebridge

Select-a-Term (SimpliNow)

A

$32.49

Pacific Life

Promise Term

A+

$32.69

Symetra

SwiftTerm w/ Conv. Enhancement

A

$33.21

Cincinnati Life

Termsetter

A+

$34.68

Principal National

Term – Non-Convertible

A+

$35.17

Lincoln National

TermAccel

A

$36.00

Prudential

Essential Term Value

A+

$36.94

Principal National

Term – Convertible

A+

$36.80

Minnesota Life

Advantage Elite Select

A+

$37.61

Nationwide

GLT Brokerage

A+

$37.56

Nationwide

(IU) GLT Brokerage

A+

$37.56

North American

ADDvantage

A+

$38.15

Protective

Classic Choice Term w/ CER

A+

$37.35

Minnesota Life

Advantage Elite Select w/ECA

A+

$38.64

Principal National

Term – Conv. w/ Extension

A+

$38.98

United of Omaha

TLA – Brokerage

A+

$39.51

United of Omaha

TLA – Agent

A+

$39.51

Prudential

Essential Term Plus

A+

$40.12

Prudential

Term Essential Long App

A+

$41.45

National Life Group

LSW 30-G

A+

$42.35

Assurity

Term Life Insurance

A-

$42.00

MassMutual

MassMutual Term

A++

$42.98

Foresters

Your Term (medical)

A

$44.47

MassMutual

MassMutual Term ECP

A++

$47.07

John Hancock

Vitality Term

A+

$47.14

John Hancock

Protection Term

A+

$48.90

Lincoln National

LifeElements (eApp)

A

$49.37

Lincoln National

LifeElements (eTicket)

A

$49.37

Description: Full market pricing for a 30-year, $500k term for a 37-year-old female.

30-YEAR TERM — $1,000,000 — Female, Age 37

Carrier

Product

AM Best

Monthly

Banner Life

OPTerm

A+

$59.82

Protective

Classic Choice Term

A+

$59.83

Symetra

SwiftTerm Instant Issue

A

$59.83

Corebridge

Select-a-Term

A

$59.38

Corebridge

Select-a-Term (SimpliNow)

A

$59.38

Pacific Life

Promise Term

A+

$60.37

Symetra

SwiftTerm w/ Conv. Enhancement

A

$61.59

Principal National

Term – Non-Convertible

A+

$65.02

Prudential

Essential Term Value

A+

$66.32

Principal National

Term – Convertible

A+

$66.64

Cincinnati Life

Termsetter

A+

$66.54

Nationwide

GLT Brokerage

A+

$68.13

Nationwide

(IU) GLT Brokerage

A+

$68.13

North American

ADDvantage

A+

$68.71

Minnesota Life

Advantage Elite Select

A+

$69.18

Protective

Classic Choice Term w/ CER

A+

$69.44

Lincoln National

TermAccel

A

$70.04

Minnesota Life

Advantage Elite Select w/ECA

A+

$71.08

Prudential

Term Essential Long App

A+

$71.37

Prudential

Essential Term Plus

A+

$71.37

Lincoln National

LifeElements (eApp)

A

$70.59

Lincoln National

LifeElements (eTicket)

A

$70.59

Principal National

Term – Conv. w/ Extension

A+

$71.52

Foresters

Your Term (medical)

A

$73.38

United of Omaha

TLA – Brokerage

A+

$73.05

United of Omaha

TLA – Agent

A+

$73.05

MassMutual

MassMutual Term

A++

$76.34

National Life Group

LSW 30-G

A+

$77.41

Assurity

Term Life Insurance

A-

$79.20

John Hancock

Vitality Term

A+

$82.63

MassMutual

MassMutual Term ECP

A++

$83.43

John Hancock

Protection Term

A+

$87.34

Description: Full market pricing for a 30-year, $1M term for a 37-year-old female.

FAQ Section — Life Insurance Cost for a 37-Year-Old

1. How much does life insurance cost for a healthy 37-year-old?

Most 37-year-olds pay between $12 and $23 per month for a 20-year policy between $250,000 and $500,000, depending on gender and carrier.


2. Do males or females pay less at age 37?

Females pay about 15 to 25 percent less. A 20-year $500,000 policy for males starts at $22.77 per month, while females start at $20.12.


3. What is the cheapest option for a 37-year-old?

A 10-year $250,000 term is usually the cheapest, starting at $9.66 for females and $10.52 for males.


4. What’s the best value term length at age 37?

The 20-year term provides the best overall value and is the most popular choice.


5. How much more is a $1,000,000 policy compared to $500,000?

It costs about $15 to $18 more per month on average across standard 20-year terms.


6. What does a $1,000,000 20-year policy cost for a 37-year-old male?

Rates start at $37.76 per month and rise into the $50s.


7. How much is a $1,000,000 20-year policy for a 37-year-old female?

Female rates start at $34.28 per month and increase into the $40s and $50s.


8. Which carriers show the lowest prices most often for age 37?

Symetra, Banner Life, Corebridge (AIG), Protective, Pacific Life, Principal, and Minnesota Life appear most frequently as low-cost options.


9. What is the cost difference between 10-year and 20-year term at age 37?

Ten-year term is usually 25 to 40 percent cheaper than 20-year term. For example, a male $500,000 10-year term starts at $14.78, while the 20-year starts at $22.77.


10. Is a 30-year term worth it for a 37-year-old?

Yes, if you want coverage into your 60s. A 30-year $500,000 policy costs around $38.62 to $39.13 for males and $32.49 to $32.69 for females.


11. What’s the cheapest $500,000 policy for a 37-year-old male?

The lowest rate in the full market is $22.77 per month for a 20-year policy.


12. What’s the cheapest $500,000 policy for a 37-year-old female?

The lowest rate in the market is $20.12 per month for a 20-year term.


13. How much is a 10-year $1,000,000 policy for a 37-year-old male?

It starts at $21.85 per month with top carriers like Symetra and Corebridge.


14. How much is a 10-year $1,000,000 policy for a 37-year-old female?

It starts at $18.75 per month based on full-market pricing.


15. Which term length is the most expensive for 37-year-olds?

The 30-year term is the most expensive because it locks in pricing the longest. Male rates reach $71 to $107, while female rates reach $59 to $87 for $1,000,000 coverage.


16. How much does a $250,000 20-year term cost for a 37-year-old male?

Full-market pricing ranges from $14.47 to about $23.11 per month.


17. How much does a $250,000 20-year term cost for a 37-year-old female?

Rates range from $12.57 to about $18.55 per month.


18. How much does a $500,000 10-year term cost for a 37-year-old male?

Full-market pricing ranges from $14.78 to $24.50 per month.


19. How much does a $500,000 10-year term cost for a 37-year-old female?

Rates range from $12.86 to $16.14 depending on the insurer.


20. How much does a $1,000,000 30-year policy cost for a 37-year-old?

For males, $71.42 to $107.16 per month. For females, $59.38 to $87.34 per month.

Matt Mims

CEO/Founder of LifeStein.com

(601)-218-7854 (call/text)

 
 
 

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LifeStein.com, is a licensed online insurance broker, is managed by Matt Mims Group LLC, doing business as LifeStein.com. The content available on this site is created by LifeStein primarily for general information and educational purposes. While we strive to keep the information current and accurate, please note that all insurance policy premium quotes or ranges shown here are for indicative purposes only and are not binding. The definitive premium for any policy will be established by the underwriting insurance company after the application process is completed.

LifeStein is the best place to buy Life Insurance Online

LifeStein.com

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