Life Insurance at Age 50: Rates & Guide (2025)
Monthly premium for $500,000 20-year term life policy — healthy non-smoker, 2025
Male
$88/mo
$1,056/year
Female
$70/mo
$840/year
How Age Affects Life Insurance Rates
At age 50, life insurance is moderately priced, but rising. Each decade of delay roughly doubles the cost: a 40-year-old male pays 57% more than a 30-year-old for the same $500k policy. Women pay 13–22% less than men at every age due to longer life expectancy data.
Rate Comparison by Age
Age 25
$21/mo
male, $500k 20yr
Age 30
$23/mo
male, $500k 20yr
Age 35
$27/mo
male, $500k 20yr
Age 40
$36/mo
male, $500k 20yr
Age 45
$55/mo
male, $500k 20yr
Age 50
$88/mo
male, $500k 20yr
Age 55
$150/mo
male, $500k 20yr
Age 60
$253/mo
male, $500k 20yr
Age 65
$432/mo
male, $500k 20yr
Age 70
$698/mo
male, $500k 20yr