Term Life Cost Estimator
An illustrative term life premium estimate using a transparent sample rate table.
Estimate only — NOT a quote or offer, and not insurance advice. It uses a simplified sample rate table; real premiums vary widely by provider, health, location, and underwriting. Get actual quotes from licensed agents.
Frequently asked questions
Is this the price I will pay?
No. This is an illustrative estimate from a sample rate table we devised for education. Real pricing depends on medical underwriting, exact age, tobacco use, and the carrier.
Why does smoking raise the cost so much?
Insurers price statistically higher mortality risk; our illustrative model applies a 2.5× multiplier for smokers, consistent with typical industry differences.