Life Insurance Rates: Ages 30-39


Life insurance rates strongly depend on your gender (since women tend to live, on average longer than men) smoking habits and coverage required. Choose a visual below that is the closet to your situation. Please choose smoker if you stopped smoking, but less than two years ago.

You can also explore the major reasons for people aged 30-39 to get life insurance.

Click on a picture below that best describes your profile…

Life insurance rates for a female, 30-39 years old, non-smoker

Life insurance rates for a female, 30-39 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 policy holders.

Approximate rates for a Term 10 life insurance policy
Age, years
Coverage Your age is… -> 30 31 32 33 34 35 36 37 38 39
Coverage valid until age of …-> 50 51 52 53 54 55 56 57 58 59
$100,000 $7 $7 $7 $7 $7 $7 $8 $8 $8 $9
$200,000 $10 $11 $11 $11 $11 $12 $13 $13 $14 $15
$500,000 $16 $16 $16 $16 $16 $17 $17 $18 $19 $19
$1,000,000 $27 $29 $29 $29 $29 $31 $32 $34 $35 $37

Rates from November 2015

Approximate rates for Term 20 life insurance policy
Age, years
Coverage Your age is… -> 30 31 32 33 34 35 36 37 38 39
Coverage valid until age of …-> 50 51 52 53 54 55 56 57 58 59
$100,000 $10 $10 $10 $10 $11 $11 $11 $12 $12 $12
$200,000 $15 $16 $16 $17 $17 $18 $19 $19 $20 $21
$500,000 $24 $24 $24 $24 $25 $27 $29 $31 $33 $36
$1,000,000 $44 $45 $47 $47 $48 $50 $54 $58 $62 $67

Rates from November 2015

Get a free quote

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, 30-39 years old, non-smoker

Life insurance rates for a male, 30-39 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 policy holders.

Approximate rates for a Term 10 life insurance policy
Age, years
Coverage Your age is… -> 30 31 32 33 34 35 36 37 38 39
Coverage valid until age of …-> 50 51 52 53 54 55 56 57 58 59
$100,000 $9 $9 $9 $9 $9 $9 $10 $10 $10 $11
$200,000 $14 $14 $14 $15 $15 $15 $16 $17 $17 $18
$500,000 $22 $22 $22 $22 $22 $23 $25 $26 $28 $29
$1,000,000 $40 $40 $40 $40 $40 $43 $45 $48 $51 $54

Rates from November 2015

Approximate rates for Term 20 life insurance policy
Age, years
Coverage Your age is… -> 30 31 32 33 34 35 36 37 38 39
Coverage valid until age of …-> 50 51 52 53 54 55 56 57 58 59
$100,000 $11 $12 $12 $12 $12 $13 $13 $14 $15 $15
$200,000 $19 $19 $20 $20 $21 $22 $23 $25 $26 $28
$500,000 $35 $35 $35 $35 $36 $38 $41 $44 $47 $50
$1,000,000 $64 $64 $64 $64 $64 $70 $77 $82 $88 $95

Rates from November 2015

Get a free quote

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, 30-39 years old, smoker

Life insurance rates for a female, 30-39 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… -> 30 31 32 33 34 35 36 37 38 39
Coverage valid until age of …-> 50 51 52 53 54 55 56 57 58 59
$100,000 $10 $10 $11 $11 $12 $12 $13 $14 $14 $15
$200,000 $16 $17 $18 $19 $20 $21 $22 $24 $26 $28
$500,000 $29 $30 $31 $32 $34 $37 $41 $44 $48 $52
$1,000,000 $51 $54 $58 $61 $65 $68 $75 $81 $88 $96

Rates from November 2015

Approximate rates for Term 20 life insurance policy
Age, years
Coverage Your age is… -> 30 31 32 33 34 35 36 37 38 39
Coverage valid until age of …-> 50 51 52 53 54 55 56 57 58 59
$100,000 $14 $15 $16 $17 $18 $19 $21 $22 $23 $25
$200,000 $25 $27 $27 $30 $33 $35 $37 $40 $42 $45
$500,000 $44 $48 $53 $58 $63 $70 $75 $80 $86 $92
$1,000,000 $81 $89 $98 $108 $120 $131 $141 $152 $163 $176

Rates from November 2015

Get a free quote

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, 30-39 years old, smoker

Life insurance rates for a male, 30-39 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… -> 30 31 32 33 34 35 36 37 38 39
Coverage valid until age of …-> 50 51 52 53 54 55 56 57 58 59
$100,000 $14 $14 $15 $15 $15 $16 $17 $18 $19 $20
$200,000 $24 $24 $25 $25 $26 $27 $29 $31 $33 $35
$500,000 $46 $46 $47 $48 $49 $51 $55 $60 $64 $70
$1,000,000 $86 $88 $90 $92 $94 $95 $104 $112 $121 $130

Rates from November 2015

Approximate rates for Term 20 life insurance policy
Age, years
Coverage Your age is… -> 30 31 32 33 34 35 36 37 38 39
Coverage valid until age of …-> 50 51 52 53 54 55 56 57 58 59
$100,000 $19 $20 $21 $22 $24 $25 $27 $30 $33 $36
$200,000 $34 $36 $38 $40 $42 $46 $51 $56 $61 $67
$500,000 $67 $72 $77 $82 $88 $95 $104 $114 $125 $137
$1,000,000 $116 $127 $139 $151 $166 $181 $199 $219 $240 $265

Rates from November 2015

Get a free quote

Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.


6 Main Reasons to get Life Insurance When you are 30-39

life-insurance-reasons-kids1. Your children: In many cases you are a young mother / father and have a child(ren) to take care of. The path until they reach adult age is quite long and has many associated expenses. You want to make sure that should anything happen to you, they are financially secure.
life-insurance-reasons-loved-ones2. Your significant other: Your significant other (e.g. husband, wife, partner) might need financial support should anything happen to you – he/she might also need help with some of your liabilities. Simply said, you want to take care of your loved one.
life-insurance-reasons-parents3. Your parents: Though it is not expected from you, you may want to protect your parents, should something happen to you. Low insurance rates will allow you to get extensive coverage (e.g. $1,000,000 or $2,000,000) affordably.
life-insurance-reasons-mortgage4. Mortgage: You probably started paying off your mortgage and you have a long way ahead of you (even if you purchased a condo – e.g. an average price of a one bedroom apartment in Toronto is around $330K and for a two bedroom apartment it reaches $450K – check out our article on average condo prices in Toronto). You want to make sure that a mortgage is paid off should anything happen to you so that your assets will not be collected by a bank. This will also help to avoid additional financial burdens on your family should anything happen to you.
life-insurance-reasons-own-business5. 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, such as creditor insurance or balance protector for your credit card.
life-insurance-reasons-retirement6. Accumulating value towards retirement: The best time to start saving for retirement is when you are young – you can benefit from the best rates. For example, with whole life or universal life products you will be able to accumulate cash value as you pay your insurance premiums.

Get a free quote