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Term life insurance is a popular choice for those looking to save money upfront. Rather than paying more for a whole life insurance policy, term life insurance policies offer ample coverage with more competitive rates that fit most budgets. There are typically a few key factors that are considered when determining premium costs, including age. In addition to age, medical history, gender, coverage goals, and harmful habits can also influence term life insurance rates. Let’s dive deeper into what term life insurance is, how it works, and the average term life insurance rates by age.
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Term life insurance is a temporary policy that will provide your beneficiaries with a death benefit payout if you pass away before the policy expires. Term life insurance policies typically range from 10 to 30 years and come with lower premiums than permanent policies.
When you choose to get life insurance, timing can play a larger role. Term life insurance rates will vary depending on the term and the amount of face-value coverage that is selected.
The table below reflects sample term life monthly insurance rates, by age, at different face-value amounts. These are the average rates for 10-year term life insurance policies for healthy, but average individuals who do not use tobacco products.1 The rates below can vary by state and multiple factors. This does not imply coverage.
| Gender | Age | $125,000 | $250,000 |
|---|---|---|---|
| Male | 20 | $22.50 | $40.00 |
| Female | 20 | $21.25 | $37.50 |
| Male | 25 | $22.50 | $40.00 |
| Female | 25 | $21.25 | $37.50 |
| Male | 30 | $22.50 | $40.00 |
| Female | 30 | $21.25 | $37.50 |
| Male | 35 | $22.50 | $40.00 |
| Female | 35 | $21.25 | $37.50 |
| Male | 40 | $37.50 | $70.00 |
| Female | 40 | $28.75 | $52.50 |
| Male | 45 | $55.00 | $105.00 |
| Female | 45 | $43.75 | $82.50 |
| Male | 50 | $80.00 | $155.00 |
| Female | 50 | $68.75 | $132.50 |
| Male | 55 | $118.75 | $232.50 |
| Female | 55 | $90.00 | $175.00 |
| Male | 60 | $175.00 | $345.00 |
| Female | 60 | $140.00 | $275.00 |
| Male | 65 | $225.00 | $445.00 |
| Female | 65 | $222.50 | $440.00 |
| Male | 70 | $402.50 | $800.00 |
| Female | 70 | $345.00 | $685.00 |
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedSeveral factors can affect the term life insurance rates you’ll pay, including:
Finding the best term life insurances rates is possible once you determine how much coverage you need and what your budget is. For example, term life insurance rates for seniors may look very different than they do for younger people. Usually, the older you get, the higher the life insurance premium payments are.2
There are additional options when seeking life insurance for seniors. Besides term life insurance, seniors can explore whole life insurance plans if they are looking for coverage that lasts their entire life, regardless of when they pass (subject to limitations and exclusions).
It can be a wise choice to compare term life insurance rates to find the best option for you.
Although term life insurance rates can vary depending on many factors, premiums are typically available at a lower cost. At Aflac, our term life insurance prices vary depending on your coverage goals and the life you lead. Our premiums are guaranteed throughout the term you choose, so you’ll know what rates to expect every month and year. Chat with an Aflac agent today to discover term life insurance options that are available to you.
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Child life insurance can guarantee coverage for them and can offer a cash value benefit later on. Learn what child life insurance is and the pros and cons.
Life insurance for seniors can help you protect the ones you love. Find out more about competitive rates on life insurance options and get a quote from Aflac today.
Child life insurance can guarantee coverage for them and can offer a cash value benefit later on. Learn what child life insurance is and the pros and cons.
Life insurance for seniors can help you protect the ones you love. Find out more about competitive rates on life insurance options and get a quote from Aflac today.
1 Rates are based on the average monthly premium for Georgia Direct Premium rates industry Class A; Aflac Term Life Insurance TERM LIFE POLICY - Series 860000; Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
2 NerdWallet - Average Life Insurance Rates in 2026. Updated April 1, 2026. https://www.nerdwallet.com/insurance/life/learn/average-life-insurance-rates. Accessed April 14, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Aflac life plans – A68000 series/Term Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. In New York, Policies NY68200, NY68300 and NY68400. Whole Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. In New York, Policy NYR68100. B60000/Term Life: In Arkansas, Oklahoma, Pennsylvania, Texas & Virginia, Policies ICC18B60200, ICC18B60300, & ICC18B60400. Whole Life: In Arkansas, Oklahoma, Pennsylvania, Texas & Virginia, Policies: ICC18B60C10, ICC18B60100. Not available in Delaware, Idaho, New Mexico, New York, Oregon or Vermont. B61000, Juvenile series: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. In Delaware, Policies B61JWO & B61JTO. Q60000 series/Term Life: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania & Texas, Policy ICC18Q60200M. In Delaware, Policy Q60200M. In New York, Policy: NYQ60200M. Whole Life: In Arkansas, Delaware & Oregon Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In New York, Policy: NYQ60100M. Not available in VA.
Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.
Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Not available in NY. Coverage/plan levels may not be available in all states, including but not limited to NJ, NM or VT.
Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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