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 online quotes through their DIY 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.

Life Insurance Pricing | DG Life Group

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.

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 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 + tax-free loans
Floor protection against loss

$350K, healthy 45-yr-old

Get My IUL Quote

More Options

Specialized Coverage

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Final Expense / Burial

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

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No Medical Exam

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

Life Insurance Pricing

Specialized Coverage

Final Expense / Burial

No Medical Exam

Not Sure How Much Coverage You Need?