You can also explore the major reasons for people aged 20-29 to get life insurance.
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Life insurance rates for a female, 20-29 years old, non-smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should the policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. If a policy holder does not smoke, this will be reflected in the life insurance premiums – they are nearly two times lower than for smoking policy holders.
Approximate rates for a Term 10 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Coverage valid until age of …-> | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | ||
$100,000 | $7 | $7 | $7 | $7 | $7 | $7 | $7 | $7 | $7 | ||
$200,000 | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10 | ||
$500,000 | $15 | $15 | $14 | $14 | $15 | $15 | $15 | $15 | $16 | ||
$1,000,000 | $22 | $22 | $21 | $21 | $22 | $23 | $23 | $25 | $26 |
Rates from November 2015
Approximate rates for a Term 20 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Coverage valid until age of …-> | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | ||
$100,000 | $9 | $9 | $9 | $9 | $9 | $9 | $9 | $9 | $9 | ||
$200,000 | $14 | $14 | $14 | $14 | $15 | $15 | $15 | $15 | $15 | ||
$500,000 | $22 | $22 | $23 | $23 | $23 | $23 | $23 | $23 | $23 | ||
$1,000,000 | $40 | $40 | $41 | $41 | $42 | $42 | $43 | $43 | $43 |
Rates from November 2015
Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.
Life insurance rates for a male, 20-29 years old, non-smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should a policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. If a policy holder does not smoke, this will be reflected in the life insurance premiums – they are nearly two times lower than for smoking policyholders.
Approximate rates for a Term 10 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Coverage valid until age of …-> | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | ||
$100,000 | $11 | $11 | $11 | $11 | $11 | $11 | $11 | $11 | $11 | ||
$200,000 | $18 | $18 | $18 | $18 | $18 | $18 | $18 | $18 | $18 | ||
$500,000 | $34 | $34 | $34 | $33 | $34 | $34 | $34 | $34 | $35 | ||
$1,000,000 | $60 | $60 | $59 | $59 | $60 | $62 | $64 | $64 | $64 |
Rates from November 2015
Approximate rates for a Term 20 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Coverage valid until age of …-> | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | ||
$100,000 | $11 | $11 | $11 | $11 | $11 | $11 | $11 | $11 | $11 | ||
$200,000 | $18 | $18 | $18 | $18 | $18 | $18 | $18 | $18 | $18 | ||
$500,000 | $34 | $34 | $34 | $33 | $34 | $34 | $34 | $35 | $35 | ||
$1,000,000 | $60 | $60 | $59 | $59 | $59 | $62 | $64 | $64 | $64 |
Rates from November 2015
Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.
Life insurance rates for a female, 20-29 years old, smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should a policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. Smoker’s insurance rates are approximately two times higher than for those who do not smoke.
Approximate rates for a Term 10 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Coverage valid until age of …-> | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | ||
$100,000 | $9 | $9 | $9 | $9 | $9 | $9 | $9 | $9 | $10 | ||
$200,000 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $16 | ||
$500,000 | $23 | $23 | $24 | $25 | $25 | $26 | $26 | $27 | $28 | ||
$1,000,000 | $38 | $39 | $41 | $43 | $45 | $47 | $48 | $50 | $50 |
Rates from November 2015
Approximate rates for a Term 20 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Coverage valid until age of …-> | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | ||
$100,000 | $12 | $12 | $12 | $12 | $12 | $12 | $13 | $13 | $13 | ||
$200,000 | $17 | $18 | $18 | $18 | $19 | $20 | $21 | $23 | $23 | ||
$500,000 | $32 | $33 | $34 | $35 | $36 | $37 | $39 | $41 | $42 | ||
$1,000,000 | $58 | $59 | $60 | $61 | $64 | $67 | $70 | $74 | $77 |
Rates from November 2015
Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.
Life insurance rates for a male, 20-29 years old, smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should a policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. Smoker’s insurance rates are approximately two times higher than for those who do not smoke.
Approximate rates for a Term 10 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Coverage valid until age of …-> | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | ||
$100,000 | $14 | $14 | $14 | $14 | $14 | $14 | $14 | $14 | $14 | ||
$200,000 | $23 | $23 | $23 | $23 | $23 | $23 | $23 | $23 | $23 | ||
$500,000 | $44 | $44 | $43 | $43 | $44 | $44 | $44 | $45 | $45 | ||
$1,000,000 | $81 | $81 | $81 | $82 | $83 | $84 | $85 | $85 | $86 |
Rates from November 2015
Approximate rates for a Term 20 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Coverage valid until age of …-> | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | ||
$100,000 | $17 | $17 | $17 | $17 | $17 | $17 | $18 | $18 | $18 | ||
$200,000 | $29 | $29 | $29 | $29 | $30 | $30 | $31 | $32 | $32 | ||
$500,000 | $59 | $60 | $60 | $60 | $60 | $61 | $63 | $64 | $66 | ||
$1,000,000 | $99 | $99 | $100 | $101 | $102 | $104 | $107 | $110 | $113 |
Rates from November 2015
Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.
4 Main Reasons to get Life Insurance When you are 20-29




4. Other debt: You might have accumulated some debt that someone needs to take care of if anything happens to you. Examples of such debt could be car loan(s), credit card debt, lines of credit etc. A little bonus – should you get life insurance, you can easily cancel such unnecessary and expensive products like creditor insurance or balance protector on your credit cards.