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How Much Does Permanent Life Insurance Cost?
Frequently Asked Questions About Whole Life Insurance Rates
How much does whole life insurance cost per month?
The monthly cost of whole life insurance depends heavily on your age, sex, coverage amount, health, nicotine use, underwriting class, and policy design. Based on the sample rates shown on this page, premiums can range from less than $40 per month for a younger applicant purchasing $100,000 of coverage to more than $20,000 per month for an older applicant purchasing $10 million of coverage.
These are sample prices for comparison purposes and are not guaranteed quotes.
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How much does a $100,000 whole life insurance policy cost?
Sample monthly rates for a $100,000 whole life insurance policy begin at $43.49 for a 30-year-old male and $37.72 for a 30-year-old female.
At age 40, the sample monthly rate is $61.45 for a male and $54.02 for a female.
At age 50, the sample monthly rate is $94.38 for a male and $81.20 for a female.
At age 60, the sample monthly rate is $154.10 for a male and $136.20 for a female.
At age 70, the sample monthly rate is $272.50 for a male and $239.80 for a female.
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Actual prices may be higher or lower based on underwriting and the policy selected.
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How much does a $250,000 whole life insurance policy cost?
For $250,000 of whole life insurance, the sample monthly rate at age 30 is $98.25 for a male and $85.00 for a female.
At age 40, the sample rate is $131.75 per month for a male and $121.75 per month for a female.
At age 50, the sample rate is $202.50 per month for a male and $177.25 per month for a female.
At age 60, the sample rate is $335.75 per month for a male and $303.25 per month for a female.
At age 70, the sample rate is $610.75 per month for a male and $577.50 per month for a female.
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How much does a $500,000 whole life insurance policy cost?
The sample monthly cost of a $500,000 whole life insurance policy at age 30 is $182.00 for a male and $164.00 for a female.
At age 40, the sample cost is $253.50 per month for a male and $231.50 per month for a female.
At age 50, the sample cost is $391.00 per month for a male and $350.50 per month for a female.
At age 60, the sample cost is $652.50 per month for a male and $586.00 per month for a female.
At age 70, the sample cost is $1,215.00 per month for a male and $1,118.00 per month for a female.
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How much does a $1 million whole life insurance policy cost?
A $1 million whole life insurance policy can cost several hundred to several thousand dollars per month, depending on the applicant’s age and underwriting profile.
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The sample monthly rate at age 30 is $321.00 for a male and $300.00 for a female.
At age 40, the sample monthly rate is $478.00 for a male and $427.00 for a female.
At age 50, the sample rate is $742.00 per month for a male and $688.00 per month for a female.
At age 60, the sample rate is $1,250.00 per month for a male and $1,111.00 per month for a female.
At age 70, the sample rate is $2,410.00 per month for a male and $2,160.00 per month for a female.
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How much does a $3 million whole life insurance policy cost?
The sample monthly rate for $3 million of whole life insurance at age 30 is $963.00 for a male and $895.23 for a female.
At age 40, the sample rate is $1,434.00 per month for a male and $1,281.00 per month for a female.
At age 50, the sample rate is $2,226.00 per month for a male and $2,064.00 per month for a female.
At age 60, the sample rate is $3,750.00 per month for a male and $3,333.00 per month for a female.
At age 70, the sample rate is $7,230.00 per month for a male and $6,378.00 per month for a female.
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Larger policies may require more detailed medical underwriting and financial justification.
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How much does a $5 million whole life insurance policy cost?
For a $5 million whole life insurance policy, the sample monthly rate at age 30 is $1,605.00 for a male and $1,485.09 for a female.
At age 40, the sample monthly rate is $2,390.00 for a male and $2,135.00 for a female.
At age 50, the sample monthly rate is $3,710.00 for a male and $3,440.00 for a female.
At age 60, the sample monthly rate is $6,250.00 for a male and $5,555.00 for a female.
At age 70, the sample monthly rate is $12,050.00 for a male and $10,630.00 for a female.
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How much does a $10 million whole life insurance policy cost?
The sample monthly cost of $10 million in whole life insurance at age 30 is $3,210.01 for a male and $2,900.00 for a female.
At age 40, the sample rate is $4,780.01 per month for a male and $4,270.00 per month for a female.
At age 50, the sample rate is $7,420.00 per month for a male and $6,880.00 per month for a female.
At age 60, the sample rate is $12,500.01 per month for a male and $11,110.01 per month for a female.
At age 70, the sample rate is $24,100.01 per month for a male and $21,260.01 per month for a female.
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Coverage at this level typically requires medical underwriting, financial documentation, and a clear insurance need.
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Does whole life insurance get more expensive as you age?
Yes. The sample pricing shows that the starting cost of whole life insurance increases steadily with age.
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For example, the sample monthly rate for a male purchasing $100,000 of coverage increases from $43.49 at age 30 to $94.38 at age 50 and $272.50 at age 70.
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For a female, the sample monthly rate for the same coverage increases from $37.72 at age 30 to $81.20 at age 50 and $239.80 at age 70.
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Once a traditional whole life policy is issued, the scheduled premium is generally designed to remain level as long as the required premiums are paid.
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Are whole life insurance rates lower for women?
In most of the sample pricing provided, female rates are lower than male rates at the same age and coverage amount.
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For example, at age 40, the sample monthly price for $500,000 of coverage is $253.50 for a male and $231.50 for a female.
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At age 60, the sample monthly price for $1 million of coverage is $1,250.00 for a male and $1,111.00 for a female.
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Actual pricing still depends on the applicant’s complete underwriting profile.
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Why does whole life insurance cost more than term life insurance?
Whole life insurance is designed to provide permanent coverage and includes a cash value component.
Term life insurance provides coverage for a limited period, such as 10, 20, or 30 years, and generally does not build cash value.
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Because whole life insurance is designed to remain in force for life, it usually costs substantially more than term life insurance for the same death benefit.
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What factors affect whole life insurance pricing?
Whole life insurance prices may be affected by:
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Age
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Sex
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Health history
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Height and weight
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Prescription history
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Nicotine or tobacco use
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Coverage amount
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State of residence
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Underwriting class
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Premium-payment schedule
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Policy design
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Optional riders
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Insurance company
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Two applicants of the same age may receive different prices because of differences in health, nicotine use, and underwriting.
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Does nicotine use increase whole life insurance rates?
Nicotine or tobacco use can increase the cost of whole life insurance. Insurance companies may evaluate cigarettes, cigars, vaping, chewing tobacco, dip, nicotine pouches, nicotine gum, nicotine patches, and nicotine lozenges differently.
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The rate table on this page does not provide separate nicotine-user pricing, so a personalized quote is needed to determine how a specific product and frequency of use may affect the premium.
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Are the whole life insurance rates on this page guaranteed?
No. The rates shown are sample monthly premiums provided for general educational purposes.
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Actual whole life insurance rates vary by age, sex, state, health, nicotine use, coverage amount, underwriting class, payment schedule, policy design, riders, and insurance company. A rate is not guaranteed until an insurance company reviews the application and formally approves the policy.
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How can I find out my actual whole life insurance rate?
The best way to determine your actual rate is to request a personalized quote using your age, sex, state, health information, nicotine history, desired coverage amount, and preferred policy design.
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LifeStein can compare available options and help you understand how the coverage amount and policy structure affect your monthly premium.
Whole Life Insurance Pricing Summary by Age
The following summaries show sample monthly whole life insurance premiums for males and females at every age from 30 through 70. Coverage amounts include $100,000, $250,000, $500,000, $1 million, $3 million, $5 million, and $10 million.
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Age 30
At age 30, the sample monthly cost of a $100,000 whole life insurance policy is $43.49 for a male and $37.72 for a female.
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At age 30, the sample monthly cost of a $250,000 whole life insurance policy is $98.25 for a male and $85.00 for a female.
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At age 30, the sample monthly cost of a $500,000 whole life insurance policy is $182.00 for a male and $164.00 for a female.
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At age 30, the sample monthly cost of a $1 Million whole life insurance policy is $321.00 for a male and $300.00 for a female.
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At age 30, the sample monthly cost of a $3 Million whole life insurance policy is $963.00 for a male and $895.23 for a female.
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At age 30, the sample monthly cost of a $5 Million whole life insurance policy is $1,605.00 for a male and $1,485.09 for a female.
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At age 30, the sample monthly cost of a $10 Million whole life insurance policy is $3,210.01 for a male and $2,900.00 for a female.
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Age 31
At age 31, the sample monthly cost of a $100,000 whole life insurance policy is $44.59 for a male and $38.74 for a female.
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At age 31, the sample monthly cost of a $250,000 whole life insurance policy is $101.25 for a male and $88.00 for a female.
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At age 31, the sample monthly cost of a $500,000 whole life insurance policy is $187.50 for a male and $170.20 for a female.
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At age 31, the sample monthly cost of a $1 Million whole life insurance policy is $331.00 for a male and $310.00 for a female.
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At age 31, the sample monthly cost of a $3 Million whole life insurance policy is $993.00 for a male and $930.00 for a female.
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At age 31, the sample monthly cost of a $5 Million whole life insurance policy is $1,655.00 for a male and $1,550.00 for a female.
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At age 31, the sample monthly cost of a $10 Million whole life insurance policy is $3,310.01 for a male and $3,000.00 for a female.
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Age 32
At age 32, the sample monthly cost of a $100,000 whole life insurance policy is $46.10 for a male and $39.92 for a female.
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At age 32, the sample monthly cost of a $250,000 whole life insurance policy is $104.25 for a male and $91.00 for a female.
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At age 32, the sample monthly cost of a $500,000 whole life insurance policy is $193.50 for a male and $176.00 for a female.
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At age 32, the sample monthly cost of a $1 Million whole life insurance policy is $342.00 for a male and $318.00 for a female.
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At age 32, the sample monthly cost of a $3 Million whole life insurance policy is $1,026.00 for a male and $954.00 for a female.
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At age 32, the sample monthly cost of a $5 Million whole life insurance policy is $1,710.00 for a male and $1,590.00 for a female.
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At age 32, the sample monthly cost of a $10 Million whole life insurance policy is $3,420.00 for a male and $3,180.01 for a female.
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Age 33
At age 33, the sample monthly cost of a $100,000 whole life insurance policy is $47.33 for a male and $41.33 for a female.
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At age 33, the sample monthly cost of a $250,000 whole life insurance policy is $107.50 for a male and $94.50 for a female.
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At age 33, the sample monthly cost of a $500,000 whole life insurance policy is $199.50 for a male and $181.50 for a female.
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At age 33, the sample monthly cost of a $1 Million whole life insurance policy is $353.00 for a male and $328.00 for a female.
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At age 33, the sample monthly cost of a $3 Million whole life insurance policy is $1,059.00 for a male and $984.00 for a female.
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At age 33, the sample monthly cost of a $5 Million whole life insurance policy is $1,765.00 for a male and $1,640.00 for a female.
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At age 33, the sample monthly cost of a $10 Million whole life insurance policy is $3,530.00 for a male and $3,280.01 for a female.
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Age 34
At age 34, the sample monthly cost of a $100,000 whole life insurance policy is $48.77 for a male and $42.67 for a female.
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At age 34, the sample monthly cost of a $250,000 whole life insurance policy is $110.50 for a male and $97.85 for a female.
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At age 34, the sample monthly cost of a $500,000 whole life insurance policy is $206.00 for a male and $187.00 for a female.
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At age 34, the sample monthly cost of a $1 Million whole life insurance policy is $367.00 for a male and $339.00 for a female.
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At age 34, the sample monthly cost of a $3 Million whole life insurance policy is $1,101.00 for a male and $1,017.00 for a female.
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At age 34, the sample monthly cost of a $5 Million whole life insurance policy is $1,835.00 for a male and $1,695.00 for a female.
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At age 34, the sample monthly cost of a $10 Million whole life insurance policy is $3,670.01 for a male and $3,390.01 for a female.
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Age 35
At age 35, the sample monthly cost of a $100,000 whole life insurance policy is $49.94 for a male and $43.64 for a female.
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At age 35, the sample monthly cost of a $250,000 whole life insurance policy is $114.25 for a male and $100.28 for a female.
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At age 35, the sample monthly cost of a $500,000 whole life insurance policy is $213.00 for a male and $193.00 for a female.
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At age 35, the sample monthly cost of a $1 Million whole life insurance policy is $379.00 for a male and $350.00 for a female.
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At age 35, the sample monthly cost of a $3 Million whole life insurance policy is $1,137.00 for a male and $1,050.00 for a female.
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At age 35, the sample monthly cost of a $5 Million whole life insurance policy is $1,895.00 for a male and $1,750.00 for a female.
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At age 35, the sample monthly cost of a $10 Million whole life insurance policy is $3,790.00 for a male and $3,500.00 for a female.
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Age 36
At age 36, the sample monthly cost of a $100,000 whole life insurance policy is $51.98 for a male and $45.65 for a female.
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At age 36, the sample monthly cost of a $250,000 whole life insurance policy is $117.50 for a male and $105.30 for a female.
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At age 36, the sample monthly cost of a $500,000 whole life insurance policy is $220.00 for a male and $199.50 for a female.
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At age 36, the sample monthly cost of a $1 Million whole life insurance policy is $396.00 for a male and $363.00 for a female.
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At age 36, the sample monthly cost of a $3 Million whole life insurance policy is $1,188.00 for a male and $1,089.00 for a female.
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At age 36, the sample monthly cost of a $5 Million whole life insurance policy is $1,980.00 for a male and $1,815.00 for a female.
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At age 36, the sample monthly cost of a $10 Million whole life insurance policy is $3,960.00 for a male and $3,630.00 for a female.
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Age 37
At age 37, the sample monthly cost of a $100,000 whole life insurance policy is $54.16 for a male and $47.51 for a female.
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At age 37, the sample monthly cost of a $250,000 whole life insurance policy is $120.75 for a male and $109.75 for a female.
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At age 37, the sample monthly cost of a $500,000 whole life insurance policy is $228.00 for a male and $207.50 for a female.
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At age 37, the sample monthly cost of a $1 Million whole life insurance policy is $415.00 for a male and $379.00 for a female.
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At age 37, the sample monthly cost of a $3 Million whole life insurance policy is $1,245.00 for a male and $1,137.00 for a female.
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At age 37, the sample monthly cost of a $5 Million whole life insurance policy is $2,075.00 for a male and $1,895.00 for a female.
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At age 37, the sample monthly cost of a $10 Million whole life insurance policy is $4,150.00 for a male and $3,790.00 for a female.
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Age 38
At age 38, the sample monthly cost of a $100,000 whole life insurance policy is $56.40 for a male and $49.61 for a female.
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At age 38, the sample monthly cost of a $250,000 whole life insurance policy is $124.25 for a male and $113.50 for a female.
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At age 38, the sample monthly cost of a $500,000 whole life insurance policy is $236.00 for a male and $215.00 for a female.
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At age 38, the sample monthly cost of a $1 Million whole life insurance policy is $435.00 for a male and $394.00 for a female.
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At age 38, the sample monthly cost of a $3 Million whole life insurance policy is $1,305.00 for a male and $1,182.00 for a female.
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At age 38, the sample monthly cost of a $5 Million whole life insurance policy is $2,175.00 for a male and $1,970.00 for a female.
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At age 38, the sample monthly cost of a $10 Million whole life insurance policy is $4,350.00 for a male and $3,940.00 for a female.
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Age 39
At age 39, the sample monthly cost of a $100,000 whole life insurance policy is $58.75 for a male and $51.81 for a female.
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At age 39, the sample monthly cost of a $250,000 whole life insurance policy is $127.75 for a male and $117.50 for a female.
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At age 39, the sample monthly cost of a $500,000 whole life insurance policy is $244.50 for a male and $223.00 for a female.
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At age 39, the sample monthly cost of a $1 Million whole life insurance policy is $455.00 for a male and $410.00 for a female.
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At age 39, the sample monthly cost of a $3 Million whole life insurance policy is $1,365.00 for a male and $1,230.00 for a female.
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At age 39, the sample monthly cost of a $5 Million whole life insurance policy is $2,275.00 for a male and $2,050.00 for a female.
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At age 39, the sample monthly cost of a $10 Million whole life insurance policy is $4,550.01 for a male and $4,100.00 for a female.
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Age 40
At age 40, the sample monthly cost of a $100,000 whole life insurance policy is $61.45 for a male and $54.02 for a female.
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At age 40, the sample monthly cost of a $250,000 whole life insurance policy is $131.75 for a male and $121.75 for a female.
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At age 40, the sample monthly cost of a $500,000 whole life insurance policy is $253.50 for a male and $231.50 for a female.
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At age 40, the sample monthly cost of a $1 Million whole life insurance policy is $478.00 for a male and $427.00 for a female.
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At age 40, the sample monthly cost of a $3 Million whole life insurance policy is $1,434.00 for a male and $1,281.00 for a female.
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At age 40, the sample monthly cost of a $5 Million whole life insurance policy is $2,390.00 for a male and $2,135.00 for a female.
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At age 40, the sample monthly cost of a $10 Million whole life insurance policy is $4,780.01 for a male and $4,270.00 for a female.
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Age 41
At age 41, the sample monthly cost of a $100,000 whole life insurance policy is $63.96 for a male and $56.37 for a female.
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At age 41, the sample monthly cost of a $250,000 whole life insurance policy is $137.00 for a male and $124.75 for a female.
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At age 41, the sample monthly cost of a $500,000 whole life insurance policy is $263.50 for a male and $238.50 for a female.
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At age 41, the sample monthly cost of a $1 Million whole life insurance policy is $496.00 for a male and $445.00 for a female.
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At age 41, the sample monthly cost of a $3 Million whole life insurance policy is $1,488.00 for a male and $1,335.00 for a female.
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At age 41, the sample monthly cost of a $5 Million whole life insurance policy is $2,480.00 for a male and $2,225.00 for a female.
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At age 41, the sample monthly cost of a $10 Million whole life insurance policy is $4,960.01 for a male and $4,450.00 for a female.
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Age 42
At age 42, the sample monthly cost of a $100,000 whole life insurance policy is $66.66 for a male and $58.52 for a female.
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At age 42, the sample monthly cost of a $250,000 whole life insurance policy is $142.50 for a male and $128.25 for a female.
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At age 42, the sample monthly cost of a $500,000 whole life insurance policy is $274.00 for a male and $246.00 for a female.
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At age 42, the sample monthly cost of a $1 Million whole life insurance policy is $515.00 for a male and $461.00 for a female.
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At age 42, the sample monthly cost of a $3 Million whole life insurance policy is $1,545.00 for a male and $1,383.00 for a female.
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At age 42, the sample monthly cost of a $5 Million whole life insurance policy is $2,575.00 for a male and $2,305.00 for a female.
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At age 42, the sample monthly cost of a $10 Million whole life insurance policy is $5,150.00 for a male and $4,610.00 for a female.
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Age 43
At age 43, the sample monthly cost of a $100,000 whole life insurance policy is $69.43 for a male and $60.99 for a female.
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At age 43, the sample monthly cost of a $250,000 whole life insurance policy is $148.50 for a male and $131.25 for a female.
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At age 43, the sample monthly cost of a $500,000 whole life insurance policy is $285.50 for a male and $253.50 for a female.
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At age 43, the sample monthly cost of a $1 Million whole life insurance policy is $536.00 for a male and $481.00 for a female.
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At age 43, the sample monthly cost of a $3 Million whole life insurance policy is $1,608.00 for a male and $1,443.00 for a female.
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At age 43, the sample monthly cost of a $5 Million whole life insurance policy is $2,680.00 for a male and $2,405.00 for a female.
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At age 43, the sample monthly cost of a $10 Million whole life insurance policy is $5,360.00 for a male and $4,810.01 for a female.
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Age 44
At age 44, the sample monthly cost of a $100,000 whole life insurance policy is $72.37 for a male and $63.34 for a female.
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At age 44, the sample monthly cost of a $250,000 whole life insurance policy is $154.50 for a male and $135.00 for a female.
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At age 44, the sample monthly cost of a $500,000 whole life insurance policy is $297.00 for a male and $262.00 for a female.
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At age 44, the sample monthly cost of a $1 Million whole life insurance policy is $557.00 for a male and $500.00 for a female.
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At age 44, the sample monthly cost of a $3 Million whole life insurance policy is $1,671.00 for a male and $1,500.00 for a female.
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At age 44, the sample monthly cost of a $5 Million whole life insurance policy is $2,785.00 for a male and $2,500.00 for a female.
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At age 44, the sample monthly cost of a $10 Million whole life insurance policy is $5,570.00 for a male and $5,000.00 for a female.
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Age 45
At age 45, the sample monthly cost of a $100,000 whole life insurance policy is $75.44 for a male and $66.03 for a female.
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At age 45, the sample monthly cost of a $250,000 whole life insurance policy is $161.50 for a male and $139.50 for a female.
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At age 45, the sample monthly cost of a $500,000 whole life insurance policy is $310.00 for a male and $272.50 for a female.
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At age 45, the sample monthly cost of a $1 Million whole life insurance policy is $582.00 for a male and $525.00 for a female.
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At age 45, the sample monthly cost of a $3 Million whole life insurance policy is $1,746.00 for a male and $1,575.00 for a female.
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At age 45, the sample monthly cost of a $5 Million whole life insurance policy is $2,910.00 for a male and $2,625.00 for a female.
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At age 45, the sample monthly cost of a $10 Million whole life insurance policy is $5,820.00 for a male and $5,250.01 for a female.
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Age 46
At age 46, the sample monthly cost of a $100,000 whole life insurance policy is $78.78 for a male and $68.74 for a female.
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At age 46, the sample monthly cost of a $250,000 whole life insurance policy is $168.75 for a male and $146.50 for a female.
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At age 46, the sample monthly cost of a $500,000 whole life insurance policy is $324.50 for a male and $287.00 for a female.
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At age 46, the sample monthly cost of a $1 Million whole life insurance policy is $611.00 for a male and $555.00 for a female.
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At age 46, the sample monthly cost of a $3 Million whole life insurance policy is $1,833.00 for a male and $1,665.00 for a female.
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At age 46, the sample monthly cost of a $5 Million whole life insurance policy is $3,055.00 for a male and $2,775.00 for a female.
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At age 46, the sample monthly cost of a $10 Million whole life insurance policy is $6,110.00 for a male and $5,550.00 for a female.
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Age 47
At age 47, the sample monthly cost of a $100,000 whole life insurance policy is $82.54 for a male and $71.64 for a female.
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At age 47, the sample monthly cost of a $250,000 whole life insurance policy is $176.75 for a male and $153.25 for a female.
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At age 47, the sample monthly cost of a $500,000 whole life insurance policy is $340.50 for a male and $301.00 for a female.
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At age 47, the sample monthly cost of a $1 Million whole life insurance policy is $641.00 for a male and $585.00 for a female.
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At age 47, the sample monthly cost of a $3 Million whole life insurance policy is $1,923.00 for a male and $1,755.00 for a female.
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At age 47, the sample monthly cost of a $5 Million whole life insurance policy is $3,205.00 for a male and $2,925.00 for a female.
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At age 47, the sample monthly cost of a $10 Million whole life insurance policy is $6,410.01 for a male and $5,850.00 for a female.
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Age 48
At age 48, the sample monthly cost of a $100,000 whole life insurance policy is $86.25 for a male and $74.63 for a female.
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At age 48, the sample monthly cost of a $250,000 whole life insurance policy is $184.75 for a male and $161.00 for a female.
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At age 48, the sample monthly cost of a $500,000 whole life insurance policy is $356.00 for a male and $316.50 for a female.
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At age 48, the sample monthly cost of a $1 Million whole life insurance policy is $673.00 for a male and $618.00 for a female.
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At age 48, the sample monthly cost of a $3 Million whole life insurance policy is $2,019.00 for a male and $1,854.00 for a female.
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At age 48, the sample monthly cost of a $5 Million whole life insurance policy is $3,365.00 for a male and $3,090.00 for a female.
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At age 48, the sample monthly cost of a $10 Million whole life insurance policy is $6,730.00 for a male and $6,180.00 for a female.
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Age 49
At age 49, the sample monthly cost of a $100,000 whole life insurance policy is $90.35 for a male and $77.81 for a female.
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At age 49, the sample monthly cost of a $250,000 whole life insurance policy is $193.50 for a male and $169.00 for a female.
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At age 49, the sample monthly cost of a $500,000 whole life insurance policy is $373.50 for a male and $333.00 for a female.
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At age 49, the sample monthly cost of a $1 Million whole life insurance policy is $707.00 for a male and $652.00 for a female.
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At age 49, the sample monthly cost of a $3 Million whole life insurance policy is $2,121.00 for a male and $1,956.00 for a female.
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At age 49, the sample monthly cost of a $5 Million whole life insurance policy is $3,535.00 for a male and $3,260.00 for a female.
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At age 49, the sample monthly cost of a $10 Million whole life insurance policy is $7,070.00 for a male and $6,520.00 for a female.
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Age 50
At age 50, the sample monthly cost of a $100,000 whole life insurance policy is $94.38 for a male and $81.20 for a female.
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At age 50, the sample monthly cost of a $250,000 whole life insurance policy is $202.50 for a male and $177.25 for a female.
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At age 50, the sample monthly cost of a $500,000 whole life insurance policy is $391.00 for a male and $350.50 for a female.
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At age 50, the sample monthly cost of a $1 Million whole life insurance policy is $742.00 for a male and $688.00 for a female.
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At age 50, the sample monthly cost of a $3 Million whole life insurance policy is $2,226.00 for a male and $2,064.00 for a female.
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At age 50, the sample monthly cost of a $5 Million whole life insurance policy is $3,710.00 for a male and $3,440.00 for a female.
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At age 50, the sample monthly cost of a $10 Million whole life insurance policy is $7,420.00 for a male and $6,880.00 for a female.
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Age 51
At age 51, the sample monthly cost of a $100,000 whole life insurance policy is $98.83 for a male and $84.70 for a female.
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At age 51, the sample monthly cost of a $250,000 whole life insurance policy is $212.25 for a male and $186.25 for a female.
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At age 51, the sample monthly cost of a $500,000 whole life insurance policy is $410.50 for a male and $368.00 for a female.
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At age 51, the sample monthly cost of a $1 Million whole life insurance policy is $779.00 for a male and $723.00 for a female.
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At age 51, the sample monthly cost of a $3 Million whole life insurance policy is $2,337.00 for a male and $2,169.00 for a female.
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At age 51, the sample monthly cost of a $5 Million whole life insurance policy is $3,895.00 for a male and $3,615.00 for a female.
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At age 51, the sample monthly cost of a $10 Million whole life insurance policy is $7,790.00 for a male and $7,230.00 for a female.
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Age 52
At age 52, the sample monthly cost of a $100,000 whole life insurance policy is $103.20 for a male and $88.42 for a female.
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At age 52, the sample monthly cost of a $250,000 whole life insurance policy is $222.00 for a male and $196.50 for a female.
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At age 52, the sample monthly cost of a $500,000 whole life insurance policy is $430.00 for a male and $387.50 for a female.
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At age 52, the sample monthly cost of a $1 Million whole life insurance policy is $818.00 for a male and $760.00 for a female.
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At age 52, the sample monthly cost of a $3 Million whole life insurance policy is $2,454.00 for a male and $2,280.00 for a female.
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At age 52, the sample monthly cost of a $5 Million whole life insurance policy is $4,090.00 for a male and $3,800.00 for a female.
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At age 52, the sample monthly cost of a $10 Million whole life insurance policy is $8,180.00 for a male and $7,600.01 for a female.
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Age 53
At age 53, the sample monthly cost of a $100,000 whole life insurance policy is $108.12 for a male and $92.36 for a female.
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At age 53, the sample monthly cost of a $250,000 whole life insurance policy is $232.50 for a male and $206.50 for a female.
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At age 53, the sample monthly cost of a $500,000 whole life insurance policy is $451.00 for a male and $407.50 for a female.
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At age 53, the sample monthly cost of a $1 Million whole life insurance policy is $860.00 for a male and $798.00 for a female.
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At age 53, the sample monthly cost of a $3 Million whole life insurance policy is $2,580.00 for a male and $2,394.00 for a female.
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At age 53, the sample monthly cost of a $5 Million whole life insurance policy is $4,300.00 for a male and $3,990.00 for a female.
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At age 53, the sample monthly cost of a $10 Million whole life insurance policy is $8,600.01 for a male and $7,980.01 for a female.
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Age 54
At age 54, the sample monthly cost of a $100,000 whole life insurance policy is $112.93 for a male and $96.90 for a female.
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At age 54, the sample monthly cost of a $250,000 whole life insurance policy is $244.00 for a male and $217.25 for a female.
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At age 54, the sample monthly cost of a $500,000 whole life insurance policy is $473.50 for a male and $428.50 for a female.
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At age 54, the sample monthly cost of a $1 Million whole life insurance policy is $905.00 for a male and $839.00 for a female.
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At age 54, the sample monthly cost of a $3 Million whole life insurance policy is $2,715.00 for a male and $2,517.00 for a female.
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At age 54, the sample monthly cost of a $5 Million whole life insurance policy is $4,525.00 for a male and $4,195.00 for a female.
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At age 54, the sample monthly cost of a $10 Million whole life insurance policy is $9,050.00 for a male and $8,390.00 for a female.
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Age 55
At age 55, the sample monthly cost of a $100,000 whole life insurance policy is $118.40 for a male and $101.28 for a female.
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At age 55, the sample monthly cost of a $250,000 whole life insurance policy is $256.00 for a male and $229.25 for a female.
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At age 55, the sample monthly cost of a $500,000 whole life insurance policy is $497.50 for a male and $452.00 for a female.
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At age 55, the sample monthly cost of a $1 Million whole life insurance policy is $952.00 for a male and $886.00 for a female.
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At age 55, the sample monthly cost of a $3 Million whole life insurance policy is $2,856.00 for a male and $2,658.00 for a female.
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At age 55, the sample monthly cost of a $5 Million whole life insurance policy is $4,760.00 for a male and $4,430.00 for a female.
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At age 55, the sample monthly cost of a $10 Million whole life insurance policy is $9,520.00 for a male and $8,860.01 for a female.
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Age 56
At age 56, the sample monthly cost of a $100,000 whole life insurance policy is $125.70 for a male and $108.85 for a female.
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At age 56, the sample monthly cost of a $250,000 whole life insurance policy is $269.75 for a male and $241.75 for a female.
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At age 56, the sample monthly cost of a $500,000 whole life insurance policy is $524.50 for a male and $474.50 for a female.
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At age 56, the sample monthly cost of a $1 Million whole life insurance policy is $1,003.00 for a male and $923.00 for a female.
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At age 56, the sample monthly cost of a $3 Million whole life insurance policy is $3,009.00 for a male and $2,769.00 for a female.
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At age 56, the sample monthly cost of a $5 Million whole life insurance policy is $5,015.00 for a male and $4,615.00 for a female.
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At age 56, the sample monthly cost of a $10 Million whole life insurance policy is $10,030.00 for a male and $9,230.00 for a female.
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Age 57
At age 57, the sample monthly cost of a $100,000 whole life insurance policy is $132.00 for a male and $116.17 for a female.
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At age 57, the sample monthly cost of a $250,000 whole life insurance policy is $284.25 for a male and $255.00 for a female.
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At age 57, the sample monthly cost of a $500,000 whole life insurance policy is $553.00 for a male and $499.00 for a female.
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At age 57, the sample monthly cost of a $1 Million whole life insurance policy is $1,058.00 for a male and $964.00 for a female.
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At age 57, the sample monthly cost of a $3 Million whole life insurance policy is $3,147.00 for a male and $2,892.00 for a female.
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At age 57, the sample monthly cost of a $5 Million whole life insurance policy is $5,290.00 for a male and $4,820.00 for a female.
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At age 57, the sample monthly cost of a $10 Million whole life insurance policy is $10,580.00 for a male and $9,640.01 for a female.
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Age 58
At age 58, the sample monthly cost of a $100,000 whole life insurance policy is $138.70 for a male and $123.08 for a female.
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At age 58, the sample monthly cost of a $250,000 whole life insurance policy is $300.00 for a male and $269.25 for a female.
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At age 58, the sample monthly cost of a $500,000 whole life insurance policy is $583.50 for a male and $524.00 for a female.
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At age 58, the sample monthly cost of a $1 Million whole life insurance policy is $1,117.00 for a male and $1,006.00 for a female.
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At age 58, the sample monthly cost of a $3 Million whole life insurance policy is $3,351.00 for a male and $3,018.00 for a female.
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At age 58, the sample monthly cost of a $5 Million whole life insurance policy is $5,585.00 for a male and $5,030.00 for a female.
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At age 58, the sample monthly cost of a $10 Million whole life insurance policy is $11,170.00 for a male and $10,060.00 for a female.
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Age 59
At age 59, the sample monthly cost of a $100,000 whole life insurance policy is $145.70 for a male and $129.74 for a female.
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At age 59, the sample monthly cost of a $250,000 whole life insurance policy is $316.25 for a male and $284.00 for a female.
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At age 59, the sample monthly cost of a $500,000 whole life insurance policy is $615.50 for a male and $551.00 for a female.
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At age 59, the sample monthly cost of a $1 Million whole life insurance policy is $1,179.00 for a male and $1,051.00 for a female.
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At age 59, the sample monthly cost of a $3 Million whole life insurance policy is $3,537.00 for a male and $3,153.00 for a female.
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At age 59, the sample monthly cost of a $5 Million whole life insurance policy is $5,895.00 for a male and $5,255.00 for a female.
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At age 59, the sample monthly cost of a $10 Million whole life insurance policy is $11,790.00 for a male and $10,510.01 for a female.
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Age 60
At age 60, the sample monthly cost of a $100,000 whole life insurance policy is $154.10 for a male and $136.20 for a female.
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At age 60, the sample monthly cost of a $250,000 whole life insurance policy is $335.75 for a male and $303.25 for a female.
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At age 60, the sample monthly cost of a $500,000 whole life insurance policy is $652.50 for a male and $586.00 for a female.
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At age 60, the sample monthly cost of a $1 Million whole life insurance policy is $1,250.00 for a male and $1,111.00 for a female.
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At age 60, the sample monthly cost of a $3 Million whole life insurance policy is $3,750.00 for a male and $3,333.00 for a female.
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At age 60, the sample monthly cost of a $5 Million whole life insurance policy is $6,250.00 for a male and $5,555.00 for a female.
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At age 60, the sample monthly cost of a $10 Million whole life insurance policy is $12,500.01 for a male and $11,110.01 for a female.
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Age 61
At age 61, the sample monthly cost of a $100,000 whole life insurance policy is $162.20 for a male and $142.34 for a female.
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At age 61, the sample monthly cost of a $250,000 whole life insurance policy is $357.00 for a male and $320.00 for a female.
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At age 61, the sample monthly cost of a $500,000 whole life insurance policy is $694.00 for a male and $618.50 for a female.
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At age 61, the sample monthly cost of a $1 Million whole life insurance policy is $1,328.00 for a male and $1,173.00 for a female.
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At age 61, the sample monthly cost of a $3 Million whole life insurance policy is $3,984.00 for a male and $3,519.00 for a female.
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At age 61, the sample monthly cost of a $5 Million whole life insurance policy is $6,640.00 for a male and $5,865.00 for a female.
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At age 61, the sample monthly cost of a $10 Million whole life insurance policy is $13,280.01 for a male and $11,730.01 for a female.
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Age 62
At age 62, the sample monthly cost of a $100,000 whole life insurance policy is $170.50 for a male and $148.26 for a female.
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At age 62, the sample monthly cost of a $250,000 whole life insurance policy is $379.75 for a male and $338.50 for a female.
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At age 62, the sample monthly cost of a $500,000 whole life insurance policy is $737.50 for a male and $654.00 for a female.
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At age 62, the sample monthly cost of a $1 Million whole life insurance policy is $1,411.00 for a male and $1,240.00 for a female.
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At age 62, the sample monthly cost of a $3 Million whole life insurance policy is $4,233.00 for a male and $3,720.00 for a female.
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At age 62, the sample monthly cost of a $5 Million whole life insurance policy is $7,055.00 for a male and $6,200.00 for a female.
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At age 62, the sample monthly cost of a $10 Million whole life insurance policy is $14,110.00 for a male and $12,400.01 for a female.
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Age 63
At age 63, the sample monthly cost of a $100,000 whole life insurance policy is $179.30 for a male and $153.95 for a female.
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At age 63, the sample monthly cost of a $250,000 whole life insurance policy is $403.50 for a male and $358.00 for a female.
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At age 63, the sample monthly cost of a $500,000 whole life insurance policy is $783.00 for a male and $691.50 for a female.
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At age 63, the sample monthly cost of a $1 Million whole life insurance policy is $1,496.00 for a male and $1,310.00 for a female.
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At age 63, the sample monthly cost of a $3 Million whole life insurance policy is $4,488.00 for a male and $3,930.00 for a female.
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At age 63, the sample monthly cost of a $5 Million whole life insurance policy is $7,480.00 for a male and $6,550.00 for a female.
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At age 63, the sample monthly cost of a $10 Million whole life insurance policy is $14,960.00 for a male and $13,100.01 for a female.
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Age 64
At age 64, the sample monthly cost of a $100,000 whole life insurance policy is $188.70 for a male and $159.42 for a female.
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At age 64, the sample monthly cost of a $250,000 whole life insurance policy is $428.75 for a male and $378.75 for a female.
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At age 64, the sample monthly cost of a $500,000 whole life insurance policy is $832.00 for a male and $731.50 for a female.
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At age 64, the sample monthly cost of a $1 Million whole life insurance policy is $1,586.00 for a male and $1,385.00 for a female.
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At age 64, the sample monthly cost of a $3 Million whole life insurance policy is $4,758.00 for a male and $4,155.00 for a female.
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At age 64, the sample monthly cost of a $5 Million whole life insurance policy is $7,930.00 for a male and $6,925.00 for a female.
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At age 64, the sample monthly cost of a $10 Million whole life insurance policy is $15,860.01 for a male and $13,850.00 for a female.
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Age 65
At age 65, the sample monthly cost of a $100,000 whole life insurance policy is $194.53 for a male and $162.64 for a female.
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At age 65, the sample monthly cost of a $250,000 whole life insurance policy is $455.50 for a male and $397.65 for a female.
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At age 65, the sample monthly cost of a $500,000 whole life insurance policy is $883.00 for a male and $773.50 for a female.
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At age 65, the sample monthly cost of a $1 Million whole life insurance policy is $1,682.00 for a male and $1,466.00 for a female.
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At age 65, the sample monthly cost of a $3 Million whole life insurance policy is $5,046.00 for a male and $4,398.00 for a female.
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At age 65, the sample monthly cost of a $5 Million whole life insurance policy is $8,410.00 for a male and $7,330.00 for a female.
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At age 65, the sample monthly cost of a $10 Million whole life insurance policy is $16,820.00 for a male and $14,660.00 for a female.
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Age 66
At age 66, the sample monthly cost of a $100,000 whole life insurance policy is $211.20 for a male and $180.82 for a female.
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At age 66, the sample monthly cost of a $250,000 whole life insurance policy is $481.75 for a male and $431.25 for a female.
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At age 66, the sample monthly cost of a $500,000 whole life insurance policy is $939.50 for a male and $833.50 for a female.
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At age 66, the sample monthly cost of a $1 Million whole life insurance policy is $1,807.00 for a male and $1,579.00 for a female.
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At age 66, the sample monthly cost of a $3 Million whole life insurance policy is $5,421.00 for a male and $4,737.00 for a female.
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At age 66, the sample monthly cost of a $5 Million whole life insurance policy is $9,035.00 for a male and $7,895.00 for a female.
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At age 66, the sample monthly cost of a $10 Million whole life insurance policy is $18,070.00 for a male and $15,790.00 for a female.
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Age 67
At age 67, the sample monthly cost of a $100,000 whole life insurance policy is $224.90 for a male and $194.57 for a female.
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At age 67, the sample monthly cost of a $250,000 whole life insurance policy is $510.50 for a male and $463.50 for a female.
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At age 67, the sample monthly cost of a $500,000 whole life insurance policy is $1,000.50 for a male and $896.50 for a female.
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At age 67, the sample monthly cost of a $1 Million whole life insurance policy is $1,939.00 for a male and $1,700.00 for a female.
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At age 67, the sample monthly cost of a $3 Million whole life insurance policy is $5,817.00 for a male and $5,100.00 for a female.
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At age 67, the sample monthly cost of a $5 Million whole life insurance policy is $9,695.00 for a male and $8,500.00 for a female.
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At age 67, the sample monthly cost of a $10 Million whole life insurance policy is $19,390.00 for a male and $17,000.00 for a female.
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Age 68
At age 68, the sample monthly cost of a $100,000 whole life insurance policy is $239.23 for a male and $209.04 for a female.
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At age 68, the sample monthly cost of a $250,000 whole life insurance policy is $541.25 for a male and $498.50 for a female.
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At age 68, the sample monthly cost of a $500,000 whole life insurance policy is $1,066.00 for a male and $964.50 for a female.
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At age 68, the sample monthly cost of a $1 Million whole life insurance policy is $2,083.00 for a male and $1,830.00 for a female.
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At age 68, the sample monthly cost of a $3 Million whole life insurance policy is $6,249.00 for a male and $5,490.00 for a female.
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At age 68, the sample monthly cost of a $5 Million whole life insurance policy is $10,415.00 for a male and $9,150.00 for a female.
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At age 68, the sample monthly cost of a $10 Million whole life insurance policy is $20,830.00 for a male and $18,300.00 for a female.
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Age 69
At age 69, the sample monthly cost of a $100,000 whole life insurance policy is $255.40 for a male and $223.56 for a female.
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At age 69, the sample monthly cost of a $250,000 whole life insurance policy is $574.75 for a male and $536.50 for a female.
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At age 69, the sample monthly cost of a $500,000 whole life insurance policy is $1,137.50 for a male and $1,038.50 for a female.
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At age 69, the sample monthly cost of a $1 Million whole life insurance policy is $2,239.00 for a male and $1,974.00 for a female.
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At age 69, the sample monthly cost of a $3 Million whole life insurance policy is $6,717.00 for a male and $5,922.00 for a female.
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At age 69, the sample monthly cost of a $5 Million whole life insurance policy is $11,195.00 for a male and $9,870.00 for a female.
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At age 69, the sample monthly cost of a $10 Million whole life insurance policy is $22,390.01 for a male and $19,740.00 for a female.
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Age 70
At age 70, the sample monthly cost of a $100,000 whole life insurance policy is $272.50 for a male and $239.80 for a female.
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At age 70, the sample monthly cost of a $250,000 whole life insurance policy is $610.75 for a male and $577.50 for a female.
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At age 70, the sample monthly cost of a $500,000 whole life insurance policy is $1,215.00 for a male and $1,118.00 for a female.
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At age 70, the sample monthly cost of a $1 Million whole life insurance policy is $2,410.00 for a male and $2,160.00 for a female.
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At age 70, the sample monthly cost of a $3 Million whole life insurance policy is $7,230.00 for a male and $6,378.00 for a female.
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At age 70, the sample monthly cost of a $5 Million whole life insurance policy is $12,050.00 for a male and $10,630.00 for a female.
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At age 70, the sample monthly cost of a $10 Million whole life insurance policy is $24,100.01 for a male and $21,260.01 for a female.
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Pricing Disclaimer
These sample premiums are provided for general educational purposes and are not guaranteed quotes. Actual whole life insurance rates vary by age, sex, state, health, nicotine use, coverage amount, underwriting class, payment schedule, policy design, and insurance company.