Life insurance calculator

See a rough monthly cost for a 20-year term policy based on your age, ZIP code, and coverage amount — not a binding quote.

About me Life insurers price policies using age, tobacco use, coverage amount, and where you live. Your answers adjust this sample term-life estimate — they are not a medical exam or carrier application.
Tobacco or nicotine use typically increases term life premiums because of higher health risk. Including this helps the estimate reflect non-smoker vs smoker averages.
Age is a primary factor in term life pricing. Premiums usually rise over time, so we use your age range — not your exact birth date — for this estimate.
Life insurance is regulated by state, and typical rates vary by region. Your ZIP helps us apply a state-based adjustment instead of a single national average.
The death benefit you choose is a major driver of premium. This calculator models 20-year term life at common benefit levels ($250k, $500k, or $1M).

20-year term estimate Term length affects price. We use a 20-year term as a common planning default; permanent or shorter terms would price differently.

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