At 65, term life rates are higher, but coverage is still available and can be an important part of your financial plan. The tables below show monthly premiums starting as low as $36.75/mo, covering 24 coverage amounts and five term lengths. Every rate is based on real quotes from leading life insurance carriers.
Male Rates — Age 65
Preferred Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $52.08 $625/yr | $76.54 $918/yr | $108.36 $1,300/yr | N/A | N/A |
| $200K | $97.92 $1,175/yr | $146.76 $1,761/yr | $209.98 $2,520/yr | N/A | N/A |
| $300K | $130.38 $1,564/yr | $184.70 $2,216/yr | $264.63 $3,176/yr | N/A | N/A |
| $400K | $171.75 $2,061/yr | $243.76 $2,925/yr | $350.34 $4,204/yr | N/A | N/A |
| $500K | $211.80 $2,542/yr | $302.75 $3,633/yr | $434.88 $5,219/yr | N/A | N/A |
| $600K | $252.83 $3,034/yr | $361.85 $4,342/yr | $520.63 $6,248/yr | N/A | N/A |
| $700K | $293.86 $3,526/yr | $420.91 $5,051/yr | $606.39 $7,277/yr | N/A | N/A |
| $800K | $334.89 $4,019/yr | $479.97 $5,760/yr | $692.15 $8,306/yr | N/A | N/A |
| $900K | $375.91 $4,511/yr | $539.02 $6,468/yr | $777.91 $9,335/yr | N/A | N/A |
| $1M | $407.08 $4,885/yr | $573.26 $6,879/yr | $836.09 $10,033/yr | N/A | N/A |
| $1.1M | $447.15 $5,366/yr | $629.92 $7,559/yr | $919.06 $11,029/yr | N/A | N/A |
| $1.2M | $487.21 $5,847/yr | $686.58 $8,239/yr | $1002.03 $12,024/yr | N/A | N/A |
| $1.3M | $527.28 $6,327/yr | $743.24 $8,919/yr | $1085.00 $13,020/yr | N/A | N/A |
| $1.4M | $567.35 $6,808/yr | $799.90 $9,599/yr | $1167.97 $14,016/yr | N/A | N/A |
| $1.5M | $607.63 $7,292/yr | $856.91 $10,283/yr | $1251.16 $15,014/yr | N/A | N/A |
| $1.6M | $647.72 $7,773/yr | $913.59 $10,963/yr | $1334.14 $16,010/yr | N/A | N/A |
| $1.7M | $687.80 $8,254/yr | $970.27 $11,643/yr | $1417.13 $17,006/yr | N/A | N/A |
| $1.8M | $727.88 $8,735/yr | $1026.96 $12,323/yr | $1500.11 $18,001/yr | N/A | N/A |
| $1.9M | $767.97 $9,216/yr | $1083.64 $13,004/yr | $1583.10 $18,997/yr | N/A | N/A |
| $2M | $808.05 $9,697/yr | $1140.32 $13,684/yr | $1666.08 $19,993/yr | N/A | N/A |
| $2.5M | $989.55 $11,875/yr | $1411.59 $16,939/yr | $2080.75 $24,969/yr | N/A | N/A |
| $3M | $1186.18 $14,234/yr | $1692.63 $20,312/yr | $2495.63 $29,948/yr | N/A | N/A |
| $3.5M | $1382.81 $16,594/yr | $1973.67 $23,684/yr | $2910.50 $34,926/yr | N/A | N/A |
| $4M | $1579.44 $18,953/yr | $2254.71 $27,056/yr | $3325.37 $39,904/yr | N/A | N/A |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Standard Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $77.67 $932/yr | $111.36 $1,336/yr | $152.66 $1,832/yr | N/A | N/A |
| $200K | $149.08 $1,789/yr | $215.94 $2,591/yr | $298.96 $3,587/yr | N/A | N/A |
| $300K | $201.20 $2,414/yr | $289.88 $3,479/yr | $422.53 $5,070/yr | N/A | N/A |
| $400K | $265.77 $3,189/yr | $384.01 $4,608/yr | $560.88 $6,731/yr | N/A | N/A |
| $500K | $315.41 $3,785/yr | $457.49 $5,490/yr | $666.03 $7,992/yr | N/A | N/A |
| $600K | $377.28 $4,527/yr | $547.66 $6,572/yr | $797.91 $9,575/yr | N/A | N/A |
| $700K | $439.15 $5,270/yr | $637.82 $7,654/yr | $929.78 $11,157/yr | N/A | N/A |
| $800K | $501.01 $6,012/yr | $727.99 $8,736/yr | $1061.65 $12,740/yr | N/A | N/A |
| $900K | $562.88 $6,755/yr | $818.15 $9,818/yr | $1193.53 $14,322/yr | N/A | N/A |
| $1M | $607.91 $7,295/yr | $855.40 $10,265/yr | $1275.62 $15,308/yr | N/A | N/A |
| $1.1M | $668.06 $8,017/yr | $940.25 $11,283/yr | $1402.54 $16,830/yr | N/A | N/A |
| $1.2M | $728.22 $8,739/yr | $1025.11 $12,301/yr | $1529.46 $18,354/yr | N/A | N/A |
| $1.3M | $788.37 $9,460/yr | $1109.97 $13,320/yr | $1656.38 $19,876/yr | N/A | N/A |
| $1.4M | $848.52 $10,182/yr | $1194.83 $14,338/yr | $1783.29 $21,400/yr | N/A | N/A |
| $1.5M | $908.95 $10,907/yr | $1280.04 $15,360/yr | $1910.21 $22,922/yr | N/A | N/A |
| $1.6M | $969.12 $11,629/yr | $1364.92 $16,379/yr | $2037.12 $24,446/yr | N/A | N/A |
| $1.7M | $1029.29 $12,352/yr | $1449.80 $17,398/yr | $2164.04 $25,968/yr | N/A | N/A |
| $1.8M | $1089.46 $13,074/yr | $1534.68 $18,416/yr | $2290.96 $27,492/yr | N/A | N/A |
| $1.9M | $1149.64 $13,796/yr | $1619.56 $19,435/yr | $2417.88 $29,014/yr | N/A | N/A |
| $2M | $1209.81 $14,518/yr | $1704.45 $20,453/yr | $2544.79 $30,538/yr | N/A | N/A |
| $2.5M | $1511.70 $18,140/yr | $2117.93 $25,415/yr | $3179.38 $38,152/yr | N/A | N/A |
| $3M | $1812.82 $21,754/yr | $2540.24 $30,483/yr | $3813.96 $45,768/yr | N/A | N/A |
| $3.5M | $2113.95 $25,367/yr | $2962.55 $35,551/yr | $4448.54 $53,382/yr | N/A | N/A |
| $4M | $2415.07 $28,981/yr | $3384.86 $40,618/yr | $5083.12 $60,998/yr | N/A | N/A |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Standard Tobacco Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $207.25 $2,487/yr | $243.46 $2,922/yr | $300.83 $3,610/yr | N/A | N/A |
| $200K | $408.25 $4,899/yr | $480.67 $5,768/yr | $595.20 $7,142/yr | N/A | N/A |
| $300K | $570.18 $6,842/yr | $671.83 $8,062/yr | $771.51 $9,258/yr | N/A | N/A |
| $400K | $758.03 $9,096/yr | $893.71 $10,724/yr | $1026.54 $12,318/yr | N/A | N/A |
| $500K | $884.51 $10,614/yr | $1045.83 $12,550/yr | $1242.81 $14,914/yr | N/A | N/A |
| $600K | $1060.21 $12,723/yr | $1253.71 $15,045/yr | $1490.09 $17,881/yr | N/A | N/A |
| $700K | $1235.91 $14,831/yr | $1461.59 $17,539/yr | $1737.36 $20,848/yr | N/A | N/A |
| $800K | $1411.61 $16,939/yr | $1669.48 $20,034/yr | $1984.64 $23,816/yr | N/A | N/A |
| $900K | $1587.31 $19,048/yr | $1877.36 $22,528/yr | $2231.92 $26,783/yr | N/A | N/A |
| $1M | $1732.01 $20,784/yr | $1956.66 $23,480/yr | $2361.77 $28,341/yr | N/A | N/A |
| $1.1M | $1904.61 $22,855/yr | $2151.66 $25,820/yr | $2597.31 $31,168/yr | N/A | N/A |
| $1.2M | $2077.21 $24,926/yr | $2346.66 $28,160/yr | $2832.84 $33,994/yr | N/A | N/A |
| $1.3M | $2249.81 $26,998/yr | $2541.66 $30,500/yr | $3068.38 $36,821/yr | N/A | N/A |
| $1.4M | $2422.41 $29,069/yr | $2736.66 $32,840/yr | $3303.91 $39,647/yr | N/A | N/A |
| $1.5M | $2595.37 $31,144/yr | $2932.20 $35,186/yr | $3532.79 $42,394/yr | N/A | N/A |
| $1.6M | $2767.99 $33,216/yr | $3127.24 $37,527/yr | $3767.88 $45,215/yr | N/A | N/A |
| $1.7M | $2940.61 $35,287/yr | $3322.27 $39,867/yr | $4002.98 $48,036/yr | N/A | N/A |
| $1.8M | $3113.24 $37,359/yr | $3517.31 $42,208/yr | $4238.07 $50,857/yr | N/A | N/A |
| $1.9M | $3285.86 $39,430/yr | $3712.34 $44,548/yr | $4473.16 $53,678/yr | N/A | N/A |
| $2M | $3458.48 $41,502/yr | $3907.38 $46,889/yr | $4708.25 $56,499/yr | N/A | N/A |
| $2.5M | $4322.08 $51,865/yr | $4883.28 $58,599/yr | $5884.40 $70,613/yr | N/A | N/A |
| $3M | $5185.30 $62,224/yr | $5858.60 $70,303/yr | $7060.00 $84,720/yr | N/A | N/A |
| $3.5M | $6048.51 $72,582/yr | $6833.93 $82,007/yr | $8235.60 $98,827/yr | N/A | N/A |
| $4M | $6911.72 $82,941/yr | $7809.25 $93,711/yr | $9411.20 $112,934/yr | N/A | N/A |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Female Rates — Age 65
Preferred Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $36.75 $441/yr | $51.33 $616/yr | $75.08 $901/yr | N/A | N/A |
| $200K | $67.25 $807/yr | $96.42 $1,157/yr | $143.92 $1,727/yr | N/A | N/A |
| $300K | $91.15 $1,094/yr | $120.33 $1,444/yr | $188.34 $2,260/yr | N/A | N/A |
| $400K | $119.26 $1,431/yr | $158.18 $1,898/yr | $248.85 $2,986/yr | N/A | N/A |
| $500K | $142.25 $1,707/yr | $195.72 $2,349/yr | $308.66 $3,704/yr | N/A | N/A |
| $600K | $169.62 $2,035/yr | $233.50 $2,802/yr | $368.89 $4,427/yr | N/A | N/A |
| $700K | $196.99 $2,364/yr | $271.29 $3,255/yr | $429.12 $5,149/yr | N/A | N/A |
| $800K | $224.37 $2,692/yr | $309.07 $3,709/yr | $489.35 $5,872/yr | N/A | N/A |
| $900K | $251.74 $3,021/yr | $346.85 $4,162/yr | $549.58 $6,595/yr | N/A | N/A |
| $1M | $270.13 $3,242/yr | $383.38 $4,601/yr | $586.76 $7,041/yr | N/A | N/A |
| $1.1M | $296.57 $3,559/yr | $421.08 $5,053/yr | $644.81 $7,738/yr | N/A | N/A |
| $1.2M | $323.01 $3,876/yr | $458.78 $5,505/yr | $702.85 $8,434/yr | N/A | N/A |
| $1.3M | $349.45 $4,193/yr | $496.48 $5,958/yr | $760.89 $9,131/yr | N/A | N/A |
| $1.4M | $375.90 $4,511/yr | $534.18 $6,410/yr | $818.93 $9,827/yr | N/A | N/A |
| $1.5M | $402.34 $4,828/yr | $572.09 $6,865/yr | $877.20 $10,526/yr | N/A | N/A |
| $1.6M | $428.78 $5,145/yr | $609.80 $7,318/yr | $935.26 $11,223/yr | N/A | N/A |
| $1.7M | $455.23 $5,463/yr | $647.51 $7,770/yr | $993.31 $11,920/yr | N/A | N/A |
| $1.8M | $481.67 $5,780/yr | $685.23 $8,223/yr | $1051.36 $12,616/yr | N/A | N/A |
| $1.9M | $508.11 $6,097/yr | $722.94 $8,675/yr | $1109.42 $13,313/yr | N/A | N/A |
| $2M | $534.56 $6,415/yr | $760.65 $9,128/yr | $1167.47 $14,010/yr | N/A | N/A |
| $2.5M | $665.18 $7,982/yr | $949.01 $11,388/yr | $1442.23 $17,307/yr | N/A | N/A |
| $3M | $797.08 $9,565/yr | $1137.54 $13,650/yr | $1729.40 $20,753/yr | N/A | N/A |
| $3.5M | $928.98 $11,148/yr | $1326.06 $15,913/yr | $2016.57 $24,199/yr | N/A | N/A |
| $4M | $1060.87 $12,730/yr | $1514.59 $18,175/yr | $2303.74 $27,645/yr | N/A | N/A |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Standard Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $58.50 $702/yr | $77.78 $933/yr | $108.53 $1,302/yr | N/A | N/A |
| $200K | $110.75 $1,329/yr | $148.80 $1,786/yr | $209.97 $2,520/yr | N/A | N/A |
| $300K | $131.78 $1,581/yr | $189.63 $2,276/yr | $269.65 $3,236/yr | N/A | N/A |
| $400K | $173.52 $2,082/yr | $250.34 $3,004/yr | $357.03 $4,284/yr | N/A | N/A |
| $500K | $210.96 $2,531/yr | $311.03 $3,732/yr | $444.41 $5,333/yr | N/A | N/A |
| $600K | $251.84 $3,022/yr | $371.74 $4,461/yr | $531.80 $6,382/yr | N/A | N/A |
| $700K | $292.73 $3,513/yr | $432.45 $5,189/yr | $619.18 $7,430/yr | N/A | N/A |
| $800K | $333.61 $4,003/yr | $493.16 $5,918/yr | $706.56 $8,479/yr | N/A | N/A |
| $900K | $374.50 $4,494/yr | $553.87 $6,646/yr | $793.95 $9,527/yr | N/A | N/A |
| $1M | $382.81 $4,594/yr | $573.26 $6,879/yr | $857.95 $10,295/yr | N/A | N/A |
| $1.1M | $420.46 $5,045/yr | $629.92 $7,559/yr | $943.06 $11,317/yr | N/A | N/A |
| $1.2M | $458.10 $5,497/yr | $686.58 $8,239/yr | $1028.18 $12,338/yr | N/A | N/A |
| $1.3M | $495.74 $5,949/yr | $743.24 $8,919/yr | $1113.29 $13,360/yr | N/A | N/A |
| $1.4M | $533.38 $6,401/yr | $799.90 $9,599/yr | $1198.41 $14,381/yr | N/A | N/A |
| $1.5M | $571.25 $6,855/yr | $856.91 $10,283/yr | $1283.74 $15,405/yr | N/A | N/A |
| $1.6M | $608.90 $7,307/yr | $913.59 $10,963/yr | $1368.87 $16,426/yr | N/A | N/A |
| $1.7M | $646.56 $7,759/yr | $970.27 $11,643/yr | $1454.00 $17,448/yr | N/A | N/A |
| $1.8M | $684.22 $8,211/yr | $1026.96 $12,323/yr | $1539.13 $18,470/yr | N/A | N/A |
| $1.9M | $721.88 $8,663/yr | $1083.64 $13,004/yr | $1624.26 $19,491/yr | N/A | N/A |
| $2M | $759.53 $9,114/yr | $1140.32 $13,684/yr | $1709.39 $20,513/yr | N/A | N/A |
| $2.5M | $948.09 $11,377/yr | $1411.59 $16,939/yr | $2097.13 $25,166/yr | N/A | N/A |
| $3M | $1136.43 $13,637/yr | $1692.63 $20,312/yr | $2514.04 $30,168/yr | N/A | N/A |
| $3.5M | $1324.77 $15,897/yr | $1973.67 $23,684/yr | $2931.93 $35,183/yr | N/A | N/A |
| $4M | $1513.10 $18,157/yr | $2254.71 $27,056/yr | $3349.83 $40,198/yr | N/A | N/A |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Standard Tobacco Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $145.16 $1,742/yr | $192.04 $2,304/yr | $263.58 $3,163/yr | N/A | N/A |
| $200K | $283.66 $3,404/yr | $377.41 $4,529/yr | $520.08 $6,241/yr | N/A | N/A |
| $300K | $372.40 $4,469/yr | $518.26 $6,219/yr | $639.02 $7,668/yr | N/A | N/A |
| $400K | $494.69 $5,936/yr | $688.93 $8,267/yr | $849.89 $10,199/yr | N/A | N/A |
| $500K | $591.06 $7,093/yr | $812.91 $9,755/yr | $1059.68 $12,716/yr | N/A | N/A |
| $600K | $708.07 $8,497/yr | $974.21 $11,691/yr | $1270.32 $15,244/yr | N/A | N/A |
| $700K | $825.08 $9,901/yr | $1135.51 $13,626/yr | $1480.95 $17,771/yr | N/A | N/A |
| $800K | $942.09 $11,305/yr | $1296.81 $15,562/yr | $1691.59 $20,299/yr | N/A | N/A |
| $900K | $1059.10 $12,709/yr | $1458.11 $17,497/yr | $1902.22 $22,827/yr | N/A | N/A |
| $1M | $1093.62 $13,123/yr | $1429.67 $17,156/yr | $1831.66 $21,980/yr | N/A | N/A |
| $1.1M | $1202.42 $14,429/yr | $1571.97 $18,864/yr | $2014.18 $24,170/yr | N/A | N/A |
| $1.2M | $1311.22 $15,735/yr | $1714.27 $20,571/yr | $2196.71 $26,360/yr | N/A | N/A |
| $1.3M | $1420.02 $17,040/yr | $1856.57 $22,279/yr | $2379.23 $28,551/yr | N/A | N/A |
| $1.4M | $1528.82 $18,346/yr | $1998.87 $23,986/yr | $2561.75 $30,741/yr | N/A | N/A |
| $1.5M | $1637.62 $19,652/yr | $2141.71 $25,700/yr | $2744.82 $32,938/yr | N/A | N/A |
| $1.6M | $1746.39 $20,957/yr | $2284.04 $27,409/yr | $2927.38 $35,129/yr | N/A | N/A |
| $1.7M | $1855.15 $22,262/yr | $2426.38 $29,117/yr | $3109.94 $37,319/yr | N/A | N/A |
| $1.8M | $1963.91 $23,567/yr | $2568.72 $30,825/yr | $3292.50 $39,510/yr | N/A | N/A |
| $1.9M | $2072.68 $24,872/yr | $2711.05 $32,533/yr | $3475.06 $41,701/yr | N/A | N/A |
| $2M | $2181.44 $26,177/yr | $2853.39 $34,241/yr | $3657.62 $43,891/yr | N/A | N/A |
| $2.5M | $2725.62 $32,707/yr | $3565.79 $42,789/yr | $4571.15 $54,854/yr | N/A | N/A |
| $3M | $3269.51 $39,234/yr | $4277.62 $51,331/yr | $5484.09 $65,809/yr | N/A | N/A |
| $3.5M | $3813.40 $45,761/yr | $4989.44 $59,873/yr | $6397.04 $76,764/yr | N/A | N/A |
| $4M | $4357.29 $52,287/yr | $5701.26 $68,415/yr | $7309.98 $87,720/yr | N/A | N/A |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
How These Rates Are Calculated
We quote every combination of age, gender, coverage amount, term length, and health class across 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 is likely to pay. These rates are for Texas residents. The data behind this page comes from thousands of individual carrier quotes.
Frequently Asked Questions
Can I still buy term life insurance at 65?
Yes. Multiple carriers offer term life policies to 65-year-olds, though the available term lengths are shorter and premiums are substantially higher than at younger ages. 10- and 15-year terms are the most commonly available. Coverage amounts up to $1 million or more are still possible with full medical underwriting and good health.
What does term life insurance cost for a 65-year-old?
Premium costs are substantial at 65, reflecting the shorter time horizon and higher risk. The lowest rate in our data is $36.75/mo for a $100K 10-year term with Preferred health. For a $500,000 20-year policy, expect about $434.88/mo for men and $308.66/mo for women in Preferred health. Choosing only the coverage amount you actually need and picking the shortest term that fits your obligations will keep costs as low as possible.
What term lengths are available after 65?
Most carriers offer 10-year and 15-year terms through age 65. Terms of 25 or 30 years are rarely available past 60. The tables above show which term lengths have pricing for your age—if a cell shows “N/A,” it means carriers in our dataset didn’t offer that combination.
Should I consider final expense insurance instead?
Final expense (or burial) insurance is a different product—it’s typically a small permanent policy ($5,000–$25,000) designed to cover funeral costs and minor debts, with simplified underwriting and no medical exam. It’s useful if you can’t qualify for term life or only need a small amount. But if you’re in reasonable health and need $100,000 or more in coverage, term life is still more cost-effective per dollar of protection.
How can I get the best rate at 65?
Three things matter most: health class, coverage amount, and term length. To qualify for the best rates, make sure any chronic conditions are well-controlled, maintain a healthy weight, and avoid tobacco. Choose only the coverage amount you actually need—over-insuring raises your premium unnecessarily. Pick the shortest term that covers your obligations. And compare across carriers—rate differences between companies can be significant at this age, which is exactly what these tables are designed to help with.
Your Rate Could Be Even Lower
These are market averages. Your actual premium depends on your health, lifestyle, and the carrier. Get a free, no-obligation quote tailored to you.
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