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Average Life Insurance Rates for March 2024
Get an idea of how much you'll pay for life insurance based on your age, gender, health and more.
How much is life insurance?
How life insurance rates are determined
Insurers typically classify applicants using terms like super preferred, preferred and standard, with super preferred being the healthiest category. Insurers then calculate premiums based on your risk class.
Each insurer has its own evaluation process — known as life insurance underwriting — and weighs factors differently. That’s why it’s a good idea to compare quotes from multiple insurers.
These are the main things insurers assess when setting your rate:
See the average cost of term life insurance for men and women by age
Source: Quotacy. Lowest Three Rates For Each Age and Risk Class Averaged. Data Valid as of December 12th, 2023.
Compare term life insurance companies
Company | Policies offered | Online purchase | What We Like | Learn More |
---|---|---|---|---|
Ethos Get a quote on Ethos | Term, permanent & no- | Yes |
| Get a quote on Ethos |
Ladder Get a quote on Ladder | Term & no- | Yes |
| Get a quote on Ladder |
Fabric Get a quote on Fabric | Term & no- | Yes |
| Get a quote on Fabric |