Rates as of March 2026

CoverSavvy Term Life Index

What term life insurance actually costs for ages 20–65, based on 882,000+ real quotes

We collected 882,000+ quotes from leading U.S. life insurance carriers and distilled them into 33,120 rate combinations so you can see what term life insurance really costs. Pick your age below to see monthly premiums across 24 coverage amounts ($100K–$4M), five term lengths (10–30 years), and three health classes.

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How We Build the Index

For every combination of age, gender, coverage amount, term length, and health class, we pull quotes from multiple top-rated life insurance carriers. Each rate you see is the average of the 2–3 lowest quotes—a realistic picture of what a healthy applicant can expect to pay. Rates shown are for Texas residents and are refreshed quarterly.

Want a rate based on your specific health and lifestyle? Get a personalized quote from CoverSavvy.

These Are Averages. Yours Could Be Lower.

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