How much life insurance costs

Many healthy adults pay $15 to $100 a month. Here is the short version, and where to see the full breakdown.

By the InsuranU team Updated July 20263 min read

Life insurance pricing depends heavily on your age, health and the type of policy U choose.

The short version

Term life for a healthy adult in their 20s or 30s often runs $15 to $30 a month. Whole life costs considerably more, often $200 to $600 or higher.

Our cost guide covers pricing by age and policy type in detail, with a live estimator so U can see a ballpark for your situation.

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The two main policy types, compared plainly.

Compare policies fairly across insurers.

See the real ranges, with a live estimator.

Why does age matter so much for pricing?

Risk rises with age, so premiums for the same coverage climb the longer U wait to buy.

Where can I see full pricing detail?

Our cost guide has the full breakdown, with a live estimator for your situation.

Tell us about your family and your life. We will match you with quotes built around U.