Compare estimated monthly premiums across $5,000–$25,000 of coverage, organized by age from 50 to 85. See how sex, tobacco use, and product type affect your rate.
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Compare estimated monthly premiums across common coverage amounts. Rates are shown for healthy non-tobacco applicants and are organized by age from 50 through 85.
A few health questions, no medical exam, and immediate coverage for qualifying applicants.
| Age | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|
| 50 | $31/mo | $44/mo | $57/mo | $71/mo |
| 55 | $36/mo | $52/mo | $68/mo | $84/mo |
| 60 | $43/mo | $63/mo | $83/mo | $103/mo |
| 65 | $54/mo | $79/mo | $105/mo | $130/mo |
| 70 | $70/mo | $103/mo | $136/mo | $169/mo |
| 75 | $97/mo | $144/mo | $191/mo | $238/mo |
| 80 | $135/mo | $203/mo | $268/mo | $332/mo |
| 85 | $178/mo | $288/mo | $384/mo | $440/mo |
Showing male, non-tobacco, simplified issue whole life estimates.
These premiums are illustrative estimates based on the assumptions shown and are not a guarantee of coverage or price. Actual premiums, eligibility, benefits, and underwriting requirements vary by insurer, product, age, state, tobacco use, and health history. Final rates are subject to carrier approval.
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Several factors shape the monthly cost of a final expense policy. Understanding them helps you make a confident, informed choice.
Premiums increase as you get older. Locking in a rate sooner typically costs less over time.
Women generally pay lower premiums than men because of longer average life expectancy.
Tobacco users usually pay higher premiums. Some carriers offer non-tobacco rates after a qualifying period.
Simplified issue plans ask a few health questions; guaranteed issue plans ask none but include a waiting period.
The more coverage you choose, the higher your monthly premium. Benefits are typically $5,000–$25,000.
Rates vary by insurer and where you live. As an independent broker, we compare multiple carriers for you.
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