Average Life Insurance Cost (2026)
$26
Average monthly premium for $500K, 20-year term, 35yo
Summary
A $500,000 20-year term life insurance policy for a healthy 35-year-old non-smoker averages $26/month for men and $22/month for women in 2026. Costs scale dramatically with age — same policy at 50 averages $94/month (men). Whole life insurance for the same coverage runs 10-15× more than term.
Breakdown
Source
Quotacy / Policygenius / NerdWallet rate research· As of 2026-Q1
More insurance stats
All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.