How Much Is Life Insurance?

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"How Much Is Life Insurance?","alternativeHeadline":"How Much Does Life Insurance Cost? Average Life Insurance Cost and Factors","image":{"@type":"ImageObject","url":"https://i.insider.com/66e9d001d17aa3c7b2b37a46?width=1200&format=jpeg","width":1200,"height":900},"name":"How Much Does Life Insurance Cost? Average Life Insurance Cost and Factors","datePublished":"2024-09-18T00:46:54Z","dateModified":"2024-09-18T00:46:54Z","description":"Understand the factors that determine your life insurance premiums and learn how to get personalized quotes for coverage.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate life insurance products to write unbiased product reviews.Life insurance isn't one-size-fits-all. While an average monthly for life insurance can give you an idea of what you'll pay, many factors go into premium calculations, like the type of coverage, age, where you live, and other personal factors. These factors also heavily influence the best life insurance for your needs.Explore average costs for various life insurance policies, like term and whole life insurance.Premiums vary based on the specific type of life insurance. For example, Policygenius reports the average monthly cost for a 20-year term life insurance policy with a $500,000 payout is $30 for 30-year–old males and $23 for 30-year–old females. The same whole life insurance policy costs approximately $450 monthly. Get Life Insurance QuotesCompare affordable life insurance options with Policygenius.More than just age, sex, and type of insurance can influence your rates. Your lifestyle and health history could also determine the price you pay. Here are a few things that could make your coverage more expensive than someone your age.The most noticeable difference is in the older ages of the sample premiums — after age 40, premiums go up significantly. The sooner you get your coverage, the less you could pay each month. Gender plays a significant role in your life insurance rate. For the same insurance policy, a female and a male will pay different monthly coverage amounts. Males will generally pay more each year.The more coverage you require, the higher your insurance will be. Policygenius data from September 2024 illustrates the average term life insurance costs based on age, gender, and coverage amount. These life insurance quotes are based on a 20-year term life insurance policy for people with few health conditions who don't smoke.AgeGender$250,000 coverage$500,000 coverage$1 million coverage20Female$15.01$22.65$33.63Male$19.18$30.20$47.5130Female$15.17$22.98$36.90Male$18.19$29.32$48.8940Female$21.66$35.27$60.65Male$25.39$42.94$75.2450Female$43.92$78.29$139.50Male$56.69$102.50$188.2960Female$107.83$194.16$354.51Male$149.38$268.04$499.98Life insurance companies can check your health history and medication history in two ways: a medical records database and your medical exam (although it's possible to get life insurance without a medical exam). Like health insurance, pre-existing conditions could also impact the rate you pay.There are two main types of life insurance: permanent life insurance (whole, universal, and variable life insurance) and term life insurance. Each type grows and pays death benefits differently, and each insurance cost has very different associated costs. Take a look at the average cost for whole life insurance based on age, gender, and coverage amount, according to Policygenius data.AgeGender$250,000 coverage$500,000 coverage$1,000,000 coverage20Female$147.50$290.00$558.50Male$175.50$347.00$670.5030Female$209.50$414.50$814.00Male$245.50$487.00$954.5040Female$305.00$605.50$1,195.00Male$371.00$737.00$1,422.0050Female$480.50$957.00$1,899.00Male$569.50$1,134.50$2,222.0060Female$800.50$1,597.00$3,179.50Male$957.00$1,909.50$3,769.00Avid skydivers, scuba divers, or travelers could find their insurance rates higher than others. It's not uncommon for insurers to ask about your history with these activities, travel history, and future plans. A bad driving record could also add to the cost of life insurance.Life insurance for smokers is also more expensive. Insurance company Protective Life research shows that life insurance is 100 to 300 times more expensive for smokers. See the table for the average monthly cost of life insurance for smokers based on age, gender, and coverage amount. Quotes are based on a 20-year term life insurance policy for smokers with no health conditions.AgeGender$250,000 Coverage$500,000 Coverage$1 million Coverage20Female$35.71$60.59$101.32Male$44.50$76.43$132.2430Female$38.52$65.75$117.20Male$46.90$80.95$143.8940Female$62.74$113.40$207.38Male$78.26$145.39$266.4950Female$137.94$257.05$465.89Male$188.09$351.50$660.8360Female$320.17$617.51$1,123.64Male$461.29$887.93$1,642.70AgeGender$250,000 coverage$500,000 coverage$1,000,000 coverage20Female$177.00$348.00$670.20Male$210.60$416.40$804.6030Female$251.40$497.40$976.80Male$294.60$584.40$1,145.4040Female$366.00$726.60$1,434.00Male$445.20$884.40$1,706.4050Female$576.60$1,148.40$2,278.80Male$683.40$1,361.40$2,666.4060Female$960.60$1,916.40$3,815.40Male$1,148.40$2,291.40$4,522.80Source: PolicygeniusGet Life Insurance QuotesCompare affordable life insurance options with Policygenius.Online calculators help you estimate how much coverage you need. Calculating this coverage includes your debt, income, mortgage, children's education expenses, and final expenses. Like online calculators, insurance brokers help you determine your coverage needs and offer personalized advice. They can also assist with finding the right policy that fits your budget. Insurance companies weigh risk factors differently, so you'll see different rates with different companies. Comparing quotes from various companies will help you find the best price for the coverage you need. The average cost of life insurance for a $500,000, 20-year term life policy is $30 monthly for 30-year-old males and $23 monthly for 30-year-old females.Health conditions don't always mean higher premiums. Some insurers offer lower rates than their competitors for specific conditions. Shopping around can ensure you get the best rates for your risk profile. Whether your premiums increase over the course of a policy depends on your policy. Generally, premiums are fixed, so they won't go up throughout your policy's lifetime. As a result, buying life insurance while young and healthy can help you secure cheaper rates.You can find the best life insurance rates using comparison websites. Many of these sites generate real live quotes and side-by-side comparisons in minutes — a quick and easy way to find the best rates and coverage. Speaking to brokers requires a bit more effort. You Life insurance rates can change after approval due to multiple reasons. You may see a rate increase if there's a change in your policy (e.g., you convert your policy or include riders). Rates rarely decrease unless there is a significant change in your health and lifestyle (e.g., quitting smoking).","articleSection":"Personal Finance, Insurance, Life Insurance","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the average monthly cost of life insurance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The average cost of life insurance for a $500,000, 20-year term life policy is $30 monthly for 30-year-old males and $23 monthly for 30-year-old females.</p>"}},{"@type":"Question","name":"Do health conditions always mean higher premiums?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Health conditions don't always mean higher premiums. Some insurers offer lower rates than their competitors for specific conditions. Shopping around can ensure you get the best rates for your risk profile. </p>"}},{"@type":"Question","name":"Do my premiums increase as I age?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Whether your premiums increase over the course of a policy depends on your policy. Generally, premiums are fixed, so they won't go up throughout your policy's lifetime. As a result, <a href=\"https://www.businessinsider.com/personal-finance/life-insurance/simple-steps-to-buy-life-insurance\" data-analytics-product-module=\"body_link\" rel=\"\">buying life insurance</a> while young and healthy can help you secure cheaper rates.</p>"}},{"@type":"Question","name":"Where can I find the best life insurance rates?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can find the best life insurance rates using comparison websites. 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Rates rarely decrease unless there is a significant change in your health and lifestyle (e.g., quitting smoking).</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/insurance","name":"Insurance"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/life-insurance","name":"Life Insurance"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/life-insurance/average-life-insurance-rates","name":"How Much Does Life Insurance Cost? 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance by coverage amount </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#average-life-insurance-cost-by-type" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance cost by type </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#average-life-insurance-cost-for-smokers" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance cost for smokers </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#getting-an-idea-of-your-life-insurance-cost" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Getting an idea of your life insurance cost </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faq" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#average-cost-of-life-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average cost of life insurance </a> </li> <li> <a href="#key-factors-affecting-life-insurance-prices" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Key factors affecting life insurance prices </a> </li> <li> <a href="#average-life-insurance-by-coverage-amount" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance by coverage amount </a> </li> <li> <a href="#average-life-insurance-cost-by-type" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance cost by type </a> </li> <li> <a href="#average-life-insurance-cost-for-smokers" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance cost for smokers </a> </li> <li> <a href="#getting-an-idea-of-your-life-insurance-cost" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Getting an idea of your life insurance cost </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </ul> </div> </header> <nav class="component my-insider with-banner style-loading" data-my-insider data-component-type="my-insider" data-load-markup="my-insider/template" data-load-strategy="interaction" > <div class='my-insider-header'></div> <div 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Average Life Insurance Cost and Factors</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Liz Knueven" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/liz-knueven" >Liz Knueven</a></span> and <span class="" data-e2e-name="Alani Asis" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/alani-asis" >Alani Asis</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/paul-kim" >Paul Kim</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/evelyn-he" >Evelyn He</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-09-18T00:46:54Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-09-18T00:46:54Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" clip-rule="evenodd"/> </svg> <span class="button-text">Share</span> </button> <div class="share-dropdown-menu dropdown-menu"> <span class="dropdown-menu-item"> <span class="share-link facebook " data-facebook data-href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Flife-insurance%2Faverage-life-insurance-rates&utmSource=facebook&utmContent=referral&utmTerm=topbar&referrer=facebook" label="facebook" title="Share on Facebook" aria-label="Click to share on Facebook" data-share-link data-flip-widget="" data-track-element="story" data-track-event-label="facebook" data-href-share="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Flife-insurance%2Faverage-life-insurance-rates&utmSource=facebook&utmContent=referral&utmTerm=topbar&referrer=facebook" data-e2e-name="share-link-facebook" data-utm-term="" target="_blank" > <span class="dropdown-icon"><svg class="svg-icon social-facebook-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="Facebook" > <path fill="currentColor" d="M22 12.037C22 6.494 17.523 2 12 2S2 6.494 2 12.037c0 4.707 3.229 8.656 7.584 9.741v-6.674H7.522v-3.067h2.062v-1.322c0-3.416 1.54-5 4.882-5 .634 0 1.727.125 2.174.25v2.78a12.807 12.807 0 0 0-1.155-.037c-1.64 0-2.273.623-2.273 2.244v1.085h3.266l-.561 3.067h-2.705V22C18.163 21.4 22 17.168 22 12.037Z"/> </svg></span> <span class="dropdown-text headline-regular">Facebook</span> </span> </span> <span class="dropdown-menu-item"> <a class="share-link email " data-email data-share-link href="mailto:?subject=How Much Does Life Insurance Cost? 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class="image-caption-text">Term life insurance is usually cheaper than permanent life insurance.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > MoMo Productions/Getty </span> </span> </figcaption> </span> </figure> <div class="typography sticky-toc-post-wrapper"> <nav class="sticky-toc js-sticky-toc-dropdown hide-menu headline-semibold helpfulness-mobile-toc" data-component-type="sticky-toc" > <div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" 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href="#average-life-insurance-by-coverage-amount" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance by coverage amount </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#average-life-insurance-cost-by-type" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance cost by type </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#average-life-insurance-cost-for-smokers" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance cost for smokers </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#getting-an-idea-of-your-life-insurance-cost" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Getting an idea of your life insurance cost </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faq" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#average-cost-of-life-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average cost of life insurance </a> </li> <li> <a href="#key-factors-affecting-life-insurance-prices" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Key factors affecting life insurance prices </a> </li> <li> <a href="#average-life-insurance-by-coverage-amount" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance by coverage amount </a> </li> <li> <a href="#average-life-insurance-cost-by-type" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance cost by type </a> </li> <li> <a href="#average-life-insurance-cost-for-smokers" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Average life insurance cost for smokers </a> </li> <li> <a href="#getting-an-idea-of-your-life-insurance-cost" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Getting an idea of your life insurance cost </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/life-insurance/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate life insurance products</a> to write unbiased product reviews.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><ul class="summary-list"> <li>The average monthly cost for a term life insurance policy is $26 as of September 2024.</li> <li>The average monthly cost for a $500,000 whole life insurance policy for a 30-year-old is $451.</li> <li>Life insurance prices vary by the type of insurance, coverage amount, and personal factors.</li> </ul><p>Life insurance isn't one-size-fits-all. While an average monthly for life insurance can give you an idea of what you'll pay, many factors go into premium calculations, like the type of coverage, age, where you live, and other personal factors. These factors also heavily influence the <a href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-analytics-product-module="body_link" rel="">best life insurance</a> for your needs.</p><p>Explore average costs for various life insurance policies, like term and whole life insurance.</p><h2 data-toc-label="Average cost of life insurance" id="average-cost-of-life-insurance" class="toc-anchor">Average cost of life insurance</h2><p>Premiums vary based on the specific <a href="https://www.businessinsider.com/personal-finance/life-insurance/types-of-life-insurance" data-analytics-product-module="body_link" rel="">type of life insurance</a>. For example, Policygenius reports the average monthly cost for a 20-year term life insurance policy with a $500,000 payout is $30 for 30-year–old males and $23 for 30-year–old females. The same <a href="https://www.businessinsider.com/personal-finance/life-insurance/what-is-whole-life-insurance" data-analytics-product-module="body_link" rel="">whole life insurance policy</a> costs approximately $450 monthly. </p><aside class="quick-tip headline-regular ignore-typography"><p><strong>Get Life Insurance Quotes</strong></p><p>Compare <a href="https://www.businessinsider.com/personal-finance/life-insurance/best-cheap-life-insurance" data-analytics-product-module="body_link" rel="">affordable life insurance</a> options with Policygenius.</p><div id="policygenius-price-calculator" data-offer-id="176" data-aff-id="1592"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-src="https://www.policygenius.com/price-calculator/calculator.js" data-async="true" data-defer="true"></div> <div class="sc-fzXfOx KDAjg"></div></aside><h2 data-toc-label="Key factors affecting life insurance prices" id="key-factors-affecting-life-insurance-prices" class="toc-anchor">Key factors affecting life insurance prices</h2><p>More than just age, sex, and type of insurance can influence your rates. Your lifestyle and health history could also determine the price you pay. Here are a few things that could make your coverage more expensive than someone your age.</p><h3>Age </h3><p>The most noticeable difference is in the older ages of the sample premiums — after age 40, premiums go up significantly. The sooner you get your coverage, the less you could pay each month. </p><h3>Gender</h3><p>Gender plays a significant role in your life insurance rate. For the same insurance policy, a female and a male will pay different monthly coverage amounts. Males will generally pay more each year.</p><h3 data-toc-label="Average life insurance by coverage amount" id="average-life-insurance-by-coverage-amount" class="toc-anchor">Amount of coverage </h3><p>The more coverage you require, the higher your insurance will be. Policygenius data from September 2024 illustrates the average <a href="https://www.businessinsider.com/personal-finance/life-insurance/what-is-term-life-insurance" data-analytics-product-module="body_link" rel="">term life insurance</a> costs based on age, gender, and coverage amount. These life insurance quotes are based on a 20-year term life insurance policy for people with few health conditions who don't smoke.</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%;" border="1" class="table-content"><tbody class="table-content-body"><tr><td style="width: 5.98726%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Age</strong></p></td><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Gender</strong></p></td><td style="width: 27.5159%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$250,000 coverage</strong></p></td><td style="width: 27.5159%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$500,000 coverage</strong></p></td><td style="width: 28.1529%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$1 million coverage</strong></p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">20</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$15.01</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$22.65</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$33.63</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$19.18</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$30.20</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$47.51</p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">30</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$15.17</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$22.98</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$36.90</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$18.19</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$29.32</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$48.89</p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">40</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$21.66</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$35.27</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$60.65</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$25.39</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$42.94</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$75.24</p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">50</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$43.92</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$78.29</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$139.50</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$56.69</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$102.50</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$188.29</p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">60</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$107.83</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$194.16</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$354.51</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$149.38</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$268.04</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$499.98</p></td></tr></tbody></table></div><h3>Health </h3><p>Life insurance companies can check your health history and medication history in two ways: a medical records database and your medical exam (although it's possible to <a href="https://www.businessinsider.com/personal-finance/life-insurance/no-medical-exam-life-insurance" data-analytics-product-module="body_link" rel="">get life insurance without a medical exam</a>). Like health insurance, pre-existing conditions could also impact the rate you pay.</p><h3 data-toc-label="Average life insurance cost by type" id="average-life-insurance-cost-by-type" class="toc-anchor">Type of insurance </h3><p>There are two main types of life insurance: <a href="https://www.businessinsider.com/personal-finance/life-insurance/what-is-permanent-life-insurance" data-analytics-product-module="body_link" rel="">permanent life insurance</a> (whole, universal, and variable life insurance) and term life insurance. Each type grows and pays death benefits differently, and each insurance cost has very different associated costs. </p><p>Take a look at the average cost for whole life insurance based on age, gender, and coverage amount, according to Policygenius data.</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%;" border="1" class="table-content"><tbody class="table-content-body"><tr><td style="width: 5.85987%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Age</strong></p></td><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Gender</strong></p></td><td style="width: 27.0064%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$250,000 coverage</strong></p></td><td style="width: 27.0064%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$500,000 coverage</strong></p></td><td style="width: 29.5541%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$1,000,000 coverage</strong></p></td></tr><tr><td style="width: 5.85987%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">20</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$147.50</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$290.00</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$558.50</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$175.50</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$347.00</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$670.50</p></td></tr><tr><td style="width: 5.85987%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">30</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$209.50</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$414.50</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$814.00</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$245.50</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$487.00</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$954.50</p></td></tr><tr><td style="width: 5.85987%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">40</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$305.00</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$605.50</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$1,195.00</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$371.00</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$737.00</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$1,422.00</p></td></tr><tr><td style="width: 5.85987%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">50</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$480.50</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$957.00</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$1,899.00</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$569.50</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$1,134.50</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$2,222.00</p></td></tr><tr><td style="width: 5.85987%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">60</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$800.50</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$1,597.00</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$3,179.50</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$957.00</p></td><td style="width: 27.0064%;" class="headline-regular"><p class="headline-regular">$1,909.50</p></td><td style="width: 29.5541%;" class="headline-regular"><p class="headline-regular">$3,769.00</p></td></tr></tbody></table></div><h3 data-toc-label="Average life insurance cost for smokers" id="average-life-insurance-cost-for-smokers" class="toc-anchor">Lifestyle </h3><p>Avid skydivers, scuba divers, or travelers could find their insurance rates higher than others. It's not uncommon for insurers to ask about your history with these activities, travel history, and future plans. A bad driving record could also add to the cost of life insurance.</p><p><a href="https://www.businessinsider.com/personal-finance/life-insurance/life-insurance-for-smokers" data-analytics-product-module="body_link" rel="">Life insurance for smokers</a> is also more expensive. Insurance company Protective Life research shows that life insurance is 100 to 300 times more expensive for smokers. </p><p>See the table for the average monthly cost of life insurance for smokers based on age, gender, and coverage amount. Quotes are based on a 20-year term life insurance policy for smokers with no health conditions.</p><h4>Term life insurance for smokers</h4><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%;" border="1" class="table-content"><tbody class="table-content-body"><tr><td style="width: 5.98726%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Age</strong></p></td><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Gender</strong></p></td><td style="width: 27.5159%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$250,000 Coverage</strong></p></td><td style="width: 27.5159%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$500,000 Coverage</strong></p></td><td style="width: 28.1529%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$1 million Coverage</strong></p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">20</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$35.71</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$60.59</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$101.32</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$44.50</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$76.43</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$132.24</p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">30</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$38.52</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$65.75</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$117.20</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$46.90</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$80.95</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$143.89</p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">40</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$62.74</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$113.40</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$207.38</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$78.26</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$145.39</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$266.49</p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">50</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$137.94</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$257.05</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$465.89</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$188.09</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$351.50</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$660.83</p></td></tr><tr><td style="width: 5.98726%;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">60</p></td><td style="width: 10.5732%;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$320.17</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$617.51</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$1,123.64</p></td></tr><tr><td style="width: 10.5732%;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$461.29</p></td><td style="width: 27.5159%;" class="headline-regular"><p class="headline-regular">$887.93</p></td><td style="width: 28.1529%;" class="headline-regular"><p class="headline-regular">$1,642.70</p></td></tr></tbody></table></div><h4>Whole life insurance for smokers </h4><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 572px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 52px;"><td style="width: 5.85987%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Age</strong></p></td><td style="width: 10.5732%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Gender</strong></p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$250,000 coverage</strong></p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$500,000 coverage</strong></p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">$1,000,000 coverage</strong></p></td></tr><tr style="height: 52px;"><td style="width: 5.85987%; height: 104px;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">20</p></td><td style="width: 10.5732%; height: 52px;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$177.00</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$348.00</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$670.20</p></td></tr><tr style="height: 52px;"><td style="width: 10.5732%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$210.60</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$416.40</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$804.60</p></td></tr><tr style="height: 52px;"><td style="width: 5.85987%; height: 52px;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">30</p></td><td style="width: 10.5732%; height: 52px;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$251.40</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$497.40</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$976.80</p></td></tr><tr style="height: 52px;"><td style="width: 10.5732%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$294.60</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$584.40</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$1,145.40</p></td></tr><tr style="height: 52px;"><td style="width: 5.85987%; height: 52px;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">40</p></td><td style="width: 10.5732%; height: 52px;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$366.00</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$726.60</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$1,434.00</p></td></tr><tr style="height: 52px;"><td style="width: 10.5732%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$445.20</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$884.40</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$1,706.40</p></td></tr><tr style="height: 52px;"><td style="width: 5.85987%; height: 52px;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">50</p></td><td style="width: 10.5732%; height: 52px;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$576.60</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$1,148.40</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$2,278.80</p></td></tr><tr style="height: 52px;"><td style="width: 10.5732%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$683.40</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$1,361.40</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$2,666.40</p></td></tr><tr style="height: 52px;"><td style="width: 5.85987%; height: 52px;" rowspan="2" class="headline-regular headline-semibold"><p class="headline-regular">60</p></td><td style="width: 10.5732%; height: 52px;" class="headline-regular"><p class="headline-regular">Female</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$960.60</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$1,916.40</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$3,815.40</p></td></tr><tr style="height: 52px;"><td style="width: 10.5732%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular">Male</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$1,148.40</p></td><td style="width: 27.0064%; height: 52px;" class="headline-regular"><p class="headline-regular">$2,291.40</p></td><td style="width: 29.5541%; height: 52px;" class="headline-regular"><p class="headline-regular">$4,522.80</p></td></tr></tbody></table></div><p><em>Source: Policygenius</em></p><aside class="quick-tip headline-regular ignore-typography"><p><strong>Get Life Insurance Quotes</strong></p><p>Compare <a href="https://www.businessinsider.com/personal-finance/life-insurance/best-cheap-life-insurance" data-analytics-product-module="body_link" rel="">affordable life insurance</a> options with Policygenius.</p><div id="policygenius-price-calculator" data-offer-id="176" data-aff-id="1592"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-src="https://www.policygenius.com/price-calculator/calculator.js" data-async="true" data-defer="true"></div> <div class="sc-fzXfOx KDAjg"></div></aside><h2 data-toc-label="Getting an idea of your life insurance cost" id="getting-an-idea-of-your-life-insurance-cost" class="toc-anchor">Getting an idea of your life insurance cost</h2><h3>Use an online life insurance cost calculators</h3><p>Online calculators help you estimate how much coverage you need. Calculating this coverage includes your debt, income, mortgage, children's education expenses, and final expenses. </p><h3>Work with an insurance broker </h3><p>Like online calculators, insurance brokers help you determine your coverage needs and offer personalized advice. They can also assist with finding the right policy that fits your budget. </p><h3>Compare quotes from multiple insurers</h3><p>Insurance companies weigh risk factors differently, so you'll see different rates with different companies. Comparing quotes from various companies will help you find the best price for the coverage you need. </p><h2 data-toc-label="FAQ" id="faq" class="toc-anchor">Average cost of life insurance FAQ</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the average monthly cost of life insurance? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The average cost of life insurance for a $500,000, 20-year term life policy is $30 monthly for 30-year-old males and $23 monthly for 30-year-old females.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do health conditions always mean higher premiums?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Health conditions don't always mean higher premiums. Some insurers offer lower rates than their competitors for specific conditions. Shopping around can ensure you get the best rates for your risk profile. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do my premiums increase as I age?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Whether your premiums increase over the course of a policy depends on your policy. Generally, premiums are fixed, so they won't go up throughout your policy's lifetime. As a result, <a href="https://www.businessinsider.com/personal-finance/life-insurance/simple-steps-to-buy-life-insurance" data-analytics-product-module="body_link" rel="">buying life insurance</a> while young and healthy can help you secure cheaper rates.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Where can I find the best life insurance rates?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can find the best life insurance rates using comparison websites. Many of these sites generate real live quotes and side-by-side comparisons in minutes — a quick and easy way to find the best rates and coverage. Speaking to brokers requires a bit more effort. You </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can my life insurance rate change after I'm approved? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Life insurance rates can change after approval due to multiple reasons. You may see a rate increase if there's a change in your policy (e.g., you convert your policy or include riders). Rates rarely decrease unless there is a significant change in your health and lifestyle (e.g., quitting smoking).</p> </div> </div> </div><div class="ca-widget" data-token="a3d159d3160a" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/liz-knueven" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="liz-knueven"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5d2ce42ea17d6c5b4224de98?crop=1:1&width=256&format=jpeg&auto=webp" alt="4E417690 46FD 4DE1 8FF6 70297AEA7C30.JPEG"> <noscript> <img src="https://i.insider.com/5d2ce42ea17d6c5b4224de98?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/liz-knueven" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Liz Knueven</div> </a> <div class="post-author_title headline-regular">Personal Finance Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Liz was a personal finance reporter at Insider. </span> <span>Before joining Insider, she wrote about financial and automotive topics as a freelancer for brands like LendingTree and Credit Karma. </span> <span>She earned her bachelor's degree in writing from The Savannah College of Art and Design. She lives and works in Cincinnati, Ohio. Find her on Twitter at <a href="https://twitter.com/lizknueven" rel=" nofollow">@lizknueven</a>.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/alani-asis" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="alani-asis"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/61ddd0074ede320018b706d6?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of Alani Asis"> <noscript> <img src="https://i.insider.com/61ddd0074ede320018b706d6?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/alani-asis" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Alani Asis</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Alani Asis is a personal finance expert with experience covering insurance, retirement, and credit at both Business Insider and LendingTree. Her work has been published in AARP, CNN Underscored, Forbes, Fortune, PolicyGenius, and U.S. News & World Report.</span><span><span class="headline-semibold">Experience</span></span><span>Alani is a former insurance fellow on the Personal Finance Insider team. She’s reviewed life insurance and pet insurance companies and has written numerous explainers on travel insurance, credit, debt, and home insurance.</span><span>She is passionate about demystifying the complexities of insurance and other personal finance topics so that readers have the information they need to make the best money decisions.</span><span><span class="headline-semibold">Expertise</span></span><span>Alani’s areas of personal finance expertise include:</span><ul><li><span>Car insurance</span></li><li><span>Life insurance</span></li><li><span>Home insurance</span></li><li><span>Travel insurance</span></li><li><span>Pet insurance</span></li><li><span>Credit</span></li><li><span>Credit cards</span></li><li><span>Retirement planning</span></li></ul><span><span class="headline-semibold">Education </span></span><span>Alani is a graduate of the University of Hawaii at Manoa, where she earned a degree in political science and history.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded2"> <div class="post-author_bio_content"> <span>Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.</span><span><span class="headline-semibold">Experience</span></span><span>As part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. </span><span>Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.</span><span><span class="headline-semibold">Expertise</span></span><span>Evelyn is an expert in the following areas:</span><ul><li><span>Compliance</span></li><li><span>Quality assurance</span></li><li><span>Affiliate marketing</span></li><li><span>Search engine optimization (SEO)</span></li><li><span>Content strategy</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Evelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.</span><span>Evelyn has two dogs, Money and Tibber.</span> </div> <label for="expanded2" role="button" class="post-author_bio_more">Read more</label> <label for="expanded2" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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