Life insurance rates: Average costs by age and policy

人寿保险费率：按年龄和保单划分的平均费用

Yahoo Personal Finance 美股 🕐 2026-08-18 11:48

人寿保险费率：按年龄和保单划分的平均费用 Rachel Christian · 特约撰稿人太平洋夏令时间 2026 年 8 月 18 日星期二上午 11:48 阅读 3 分钟人寿保险的费用可能低于家庭流媒体订阅者根据 Policygenius 的数据，一名健康、不吸烟的 30 岁女性在 2025 年 10 月平均每月支付 23.10 美元，购买价值 500,000 美元的 20 年期保单人寿保险价格指数。

终身寿险的男士要贵得多。

Policygenius 估计，对于一名 30 岁的女性来说，50 万美元的终身寿险保单的平均费用为每月 408 美元，几乎贵了 18 倍。

请记住，每个人的费率可能有很大差异。

保单细节，包括死亡抚恤金、期限长度和任何可选附加条款，也可能推高价格。

下表显示了 500,000 美元、20 年期定期人寿保险保单的平均每月保费。

价格适用于首选健康分类中的非吸烟者。

定期人寿保险提供一定年限的保险，例如 10 年、20 年或 30 年。

如果您在保单生效期间去世，保险公司会在保单有效期内向指定受益人支付死亡抚恤金。

年龄在定价中起着重要作用，因为在保单期限内死亡的几率会随着时间的推移而增加。

在上表中，60 岁男性的平均每月保费几乎是其九倍。

传统保单通常包括固定保费、保证身故赔偿以及根据合同保证增长的现金价值部分。

终身人寿保险的费用比定期人寿保险高得多，因为保险公司定价的保单涵盖某人的一生，通常是到 100 岁或 121 岁。

分红终身人寿保单也可以阅读更多：人寿保险类型：完整指南如您所见，定期人寿保险比终身人寿保险便宜得多。

Policygenius 数据显示，30 岁时，一名健康的不吸烟女性每月可以支付约 23 美元购买价值 50 万美元的 20 年期定期保单或 2000 美元那么为什么定期寿险保险便宜得多呢？

在很大程度上，这是因为定期人寿保险不会永远持续下去。

许多投保人的寿命已过，因此保险公司从不支付死亡抚恤金。

与此同时，人的一生都应该保持活跃直到死亡，因此最终获得赔偿的可能性更大。

每份终身寿险保费的一部分也直接计入保单的现金价值。

现金价值 g 对于那些有临时需要的人来说，定期寿险通常是更实际的选择，例如在工作期间为家庭提供收入、还清抵押贷款或抚养子女直至死亡。

阅读更多：定期寿险与终身寿险：您应该选择哪一个？

保险公司使用各种信息来源来确定您的风险和费率，包括您的申请、健康调查问卷、处方历史和医疗记录。

完全承保的保单当前的健康状况、病史和处方使用情况：慢性病、严重的诊断、异常的测试结果或某些药物可能会导致更高的保费

📜 英文原文 (点击展开)

A healthy, nonsmoking 30-year-old woman paid an average of $23.10 per month for a $500,000, 20-year term policy in October 2025, according to the Policygenius Life Insurance Price Index. A man of the same age, health classification, and coverage paid an average of $29.56 per month.

Whole life coverage is substantially more expensive. Policygenius estimated the average cost of a $500,000 whole life policy at $408 per month for a 30-year-old woman — nearly 18 times more expensive than a 20-year term policy with the same death benefit.

Keep in mind that rates can differ significantly from person to person. Policy details, including the death benefit, term length, and any optional riders, can also drive up the price.

The following table shows average monthly premiums for a $500,000, 20-year term life insurance policy. Rates are for nonsmokers in a preferred health classification.

Term life insurance provides coverage for a set number of years, such as 10, 20, or 30. If you pass away while the policy is active, the insurer pays the death benefit to named beneficiaries on the policy. If the insured outlives the term, the policy generally expires without a payout.

Age plays a major role in pricing because the odds of dying during the policy term increase over time. In the table above, the average monthly premium for a 60-year-old man was almost nine times more expensive than for a 30-year-old man, even though the policy term and death benefit were identical.

Traditional policies generally include fixed premiums, a guaranteed death benefit, and a cash value component that grows according to the contract's guarantees.

Whole life costs considerably more than term life coverage because the insurer prices the policy to cover someone's entire life, often through age 100 or 121. Participating whole life policies may also pay dividends, but those aren't guaranteed.

As you can see, term life coverage is much cheaper than whole life. At age 30, Policygenius data shows a healthy nonsmoking woman could pay about $23 per month for a $500,000, 20-year term policy or $408 for $500,000 of whole life coverage. The comparable rates for a man were about $30 and $472.

So why is term life coverage so much cheaper? In large part, that's because term life coverage doesn't last forever. Many policyholders outlive their terms, so the insurer never pays a death benefit.

Meanwhile, whole life is intended to remain active until death, so an eventual payout is much more likely. Part of each whole life premium is also directed to the policy's cash value. The cash value grows tax-deferred, and you can usually tap into it through a withdrawal or a loan.

Term life is often the more practical choice for those with temporary needs, such as replacing income for your family during your working years, paying off a mortgage, or supporting children until they graduate college. Whole life can be appropriate for someone with a lifelong dependent, estate-planning needs, or business obligations.

An insurer uses various sources of information to determine your risk and rate, including your application, a health questionnaire, prescription history, and medical records. Fully underwritten policies may also require a medical exam measuring your height, weight, and blood pressure, along with blood and urine samples.

<strong>Current health, medical history, and prescription use: </strong>Chronic conditions, serious diagnoses, abnormal test results, or certain medications can lead to higher premiums.

<strong>Family medical history: </strong>A family history of cancer, heart disease, stroke, or early death can raise rates, especially when close relatives were diagnosed at younger ages.

<strong>Tobacco, alcohol, and drug use:</strong> Tobacco and nicotine use can substantially increase premiums, while heavy alcohol use or a history of substance misuse can also affect eligibility and pricing.

<strong>Risky hobbies: </strong>Activities such as private aviation, auto racing, rock climbing, skydiving, or scuba diving can lead to higher rates or policy exclusions.

Applicants are often placed in rate classes such as preferred, standard, or a substandard table rating. Someone with several risk factors may receive a surcharge, a smaller approved death benefit, or a denial.

But don't panic if you have a couple of elevated risk factors. Insurance companies consider your entire profile when determining rates, so a single manageable health condition might not have a major impact on your premiums if you otherwise have favorable medical results and a low-risk lifestyle.

No-medical-exam life insurance lets you apply for coverage without completing a traditional medical exam. However, "no exam" doesn't always mean the insurer completely skips the underwriting process.

No-exam coverage can help you get approved faster, even if you're older or in poor health. However, guaranteed-issue and simplified-issue policies cost more on a dollar-for-dollar basis of coverage, and death benefits are tiny compared to standard life insurance policies.

Some policies also include a graded death benefit, which limits the amount your beneficiaries can receive if you die during the first few years the policy is active.

No-exam life insurance is sometimes marketed as final expense insurance or burial insurance when it's marketed to older people. Because the death benefit is small, the payout will likely only cover the cost of a funeral and maybe some medical bills.

Your age is a prime example. Buying coverage earlier is one of the most effective ways to lower your life insurance premiums because rates increase with age, and waiting creates more time for a health condition to develop.

<strong>Go with a term life policy</strong>: Term life is usually much cheaper than permanent insurance. If you opt for a permanent policy, you might be stuck paying those pricier premiums for the rest of your life.

<strong>Opt for a shorter term:</strong> A 30-year policy generally costs more than a comparable 10- or 20-year policy. Matching the term to a specific financial obligation, such as paying off your mortgage, can help reduce premiums while still ensuring your most pressing financial goals are covered.

<strong>Go with a lower death benefit: </strong>The larger the potential payout, the more the insurer will charge. For example, a 40-year-old woman purchasing a 20-year term life policy pays an average of about $61 a month for $1 million in coverage but $35.58 for $500,000 in coverage, according to PolicyGenius data. But first, you'll want to calculate how much income your family would actually need before reducing coverage.

<strong>Quitting smoking can help — but not right away:</strong> If you've recently quit smoking, you may need to remain nicotine-free for a year or longer before an insurer will offer you nonsmoker rates. You might need to wait even longer to qualify for the insurer's best rate classes.

<strong>Consider laddering multiple term policies</strong>: Instead of keeping one large death benefit for 30 years, you could divide your coverage among smaller 10-, 20- and 30-year policies. You'll have the most coverage in the early years when you need it most, then your coverage and premiums will decrease as the shorter policies expire.

<strong>Skip optional riders: </strong>Riders offer additional benefits — such as accessing the death benefit early if you're diagnosed with a terminal illness or refunding the premiums you paid into the policy if you outlive the term — but riders can also hike up your rate.

<strong>Pay annually if you can: </strong>Some insurers offer a small discount when you pay the full annual premium up front. Policygenius estimates that paying annually can reduce the total cost by as much as 5%, though the discount varies by company.

<strong>Ask for a new rate after your health improves:</strong> Losing weight and keeping it off, or controlling your blood pressure or cholesterol, might help you qualify for a better rate class. Some insurers will reconsider an existing policy, while others require you to apply for new coverage.

Life insurance rates can vary significantly from one company to another because insurers don't always evaluate risk the same way. You might qualify for a preferred rate with one insurer but receive a standard rate from another, which is why it's so important to compare quotes from multiple insurers if you're trying to save money on premiums.

A healthy 30-year-old nonsmoker paid about $23 to $30 per month for a $500,000, 20-year term policy in October 2025, according to PolicyGenius. Whole life coverage with a $500,000 death benefit averaged about $408 to $472 per month.

Yes. Rates for newly purchased coverage generally increase as you get older because mortality risk rises with age. However, level-term and traditional whole life premiums usually remain fixed after you buy the policy.

Smoking can more than triple term life insurance premiums. At age 40, the average monthly rate for a $500,000 20-year term policy for a nonsmoking woman was $35.58, compared with $115.85 for a smoker. Men paid $43.52 as nonsmokers and $147.27 as smokers for the same $500,000, 20-year policy.

Learn about the best life insurance companies, like New York Life and MassMutual, to find the right policy to fit your specific coverage needs and requirements.

来源: Yahoo Personal Finance

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