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Life Insurance Pricing

Real cost ranges by policy type. We compare 30+ A-rated carriers for your lowest premium.

Last reviewed February 2026 by Dev Gaymes, Licensed Insurance Advisor · Editorial policy

Use Zyn, dip, or chew? Several carriers separate smokeless nicotine from cigarettes when pricing. Non-tobacco rates for smokeless users.
Treated sleep apnea barely moves the price CPAP-compliant applicants routinely get Standard rates or better. How carriers actually assess it.
More questions about cost? Our FAQ covers pricing, underwriting, and what to do if premiums become unaffordable.
An old policy is often cheaper than a new one Reinstating preserves the price you locked in years ago. See the break-even math.
How Pricing Works

We're independent - we don't set prices. The carriers do. Our job is to shop 30+ of them and find your best rate. Ranges below are typical for healthy applicants.

Have a specific condition? See the health conditions guide for how diabetes, blood pressure and sleep apnea affect what you pay.
Term Life
$20 – $85/mo
Most affordable. 10-30 year coverage. Pure protection.
  • 10, 20, or 30-year coverage
  • Highest coverage per dollar
  • Living benefits rider available
  • No medical exam options
  • Level premiums - never increases
  • Convertible to permanent
$500K, healthy 30-yr-old, 20-year term
Get My Term Quote
Whole Life
$150 – $450/mo
Lifetime coverage with guaranteed cash value.
  • Coverage for your entire life
  • Guaranteed cash value growth
  • Living benefits built-in
  • Borrow against cash value, generally income-tax-free
  • Fixed premiums forever
  • Death benefit guaranteed
  • Dividends with select carriers
$250K, healthy 40-yr-old
Get My Whole Life Quote
Universal / IUL
$200 – $600/mo
Flexible premiums with market-linked growth.
  • Lifetime coverage + flexibility
  • Cash value tied to market index
  • Living benefits built-in
  • Adjustable premiums & death benefit
  • Tax-deferred growth + generally income-tax-free loans
  • Floor protection against loss
$350K, healthy 45-yr-old
Get My IUL Quote
More Options

Specialized Coverage

🕊️

Final Expense / Burial

$5K–$50K whole life for end-of-life costs. Simplified underwriting, guaranteed issue. $30–$80/month.

⚡

No Medical Exam

Instant approval. Health questionnaires + database checks. Same or similar rates as fully underwritten. Try it now →

📅 Free · 15 Minutes · No Obligation

Get Your Actual Rate

Illustrative numbers only go so far. A 15-minute call gets you real, shopped quotes.

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Rate disclosure. Premiums shown are illustrative estimates for healthy non-smokers and are not a quote or an offer of coverage. Actual premiums depend on age, health, tobacco use, coverage amount, term length, state, carrier, and underwriting approval. Rates and product availability vary by carrier and by state.

Frequently Asked Questions

How much does term life insurance cost?

Term life insurance typically costs $20-$85/month for healthy applicants, depending on age, health, coverage amount, and term length. A healthy 30-year-old can get $500K of 20-year term for as low as $20-$35/month. Rates are locked and never increase during the term.

How much does whole life insurance cost?

Whole life insurance typically costs $150-$450/month for $250K of coverage for a healthy 40-year-old. Premiums are fixed for life and include guaranteed cash value growth. Some carriers pay dividends. Whole life is more expensive than term but provides lifetime coverage and wealth accumulation.

Can I get life insurance without a medical exam?

Yes. No-medical-exam policies use health questionnaires and electronic database checks. Many clients are approved in minutes. Rates are often the same or similar to fully underwritten policies. DG Life Group offers instant term life quotes through their online quoting tool.

Why are DG Life Group quotes free?

DG Life Group receives commissions from insurance carriers when a policy is purchased. You never pay directly for their service. Because they are independent and represent 30+ carriers, they have no incentive to push one company over another.