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Quick Estimator

Life Insurance Cost Calculator

Move the sliders to see a ballpark monthly premium for a 20-year term life policy. Actual rates depend on health, tobacco use, and carrier underwriting — speak with an advisor for an accurate quote.

35
184575
Female

Insurers use sex assigned at birth as one rating factor.

$500,000
$50K$1M$2M
Estimated monthly premium
$ 28 /mo
About $336 per year
20-year term length Preferred health class Non-smoker
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Estimate only. Not a quote, offer, or contract for insurance. Final pricing is set by the carrier after underwriting.

Choose The Coverage That Fits Your Life

Whether you need affordable protection during your earning years or permanent coverage with cash value, our advisors compare carriers to match you with the right policy.

Term Life

Affordable coverage for a set period — typically 10, 20, or 30 years. Ideal for protecting income during your working years.

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Whole Life

Permanent coverage that lasts your lifetime and builds guaranteed cash value you can borrow against.

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Universal Life

Flexible premiums and a cash value component tied to interest rates or market performance.

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Final Expense

Smaller permanent policies designed to cover funeral, burial, and end-of-life costs with simplified underwriting.

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