Sample term life insurance rates
Term life insurance may be more affordable than you expect. Review our sample term life insurance rates by age chart for $500,000 of 20-year coverage and compare them with rates from other insurers. With 20-year term rates starting as low as $16.56 per month,2 these examples can help you understand how age may affect the cost of life insurance and what you can expect to pay for coverage.
Term life insurance rate chart by age
Female
$500,000 20-year term life insurance monthly rates3
| Age | Amica | Pruco | AAA |
|---|---|---|---|
| 30 | $16.56 | $23.63 | $22.00 |
| 35 | $17.83 | $26.25 | $23.32 |
| 40 | $25.05 | $34.57 | $30.80 |
| 45 | $37.36 | $44.19 | $47.96 |
| 50 | $54.76 | $68.69 | $71.28 |
Male
$500,000 20-year term life insurance monthly rates3
| Age | Amica | Pruco | AAA |
|---|---|---|---|
| 30 | $19.53 | $27.57 | $25.96 |
| 35 | $20.80 | $29.75 | $27.28 |
| 40 | $30.56 | $39.38 | $36.52 |
| 45 | $46.27 | $54.69 | $59.84 |
| 50 | $71.74 | $87.50 | $93.72 |
Not sure how much coverage you may need?
Use our calculator to get a personalized starting estimate.1
Factors that affect life insurance rates
Life insurance rates can vary from person to person. Your health, lifestyle and coverage choices all help shape your final rate.
- Your age
- Your health and medical history
- Gender
- Tobacco or nicotine use
- Your coverage amount
- Your term length
Why choose Amica Life?
When comparing life insurance, cost is only part of the decision. Amica Life combines competitive rates with flexible coverage options and guidance from knowledgeable life insurance representatives.
FAQs about term life insurance rates
Term life insurance costs vary based on factors such as your age, gender, health, tobacco or nicotine use, coverage amount and term length. The sample rates above can provide a general idea of cost, but your personalized quote will reflect your individual circumstances.
The rate you receive may be different. The rates shown are sample premiums based on specific applicant profiles and policy details. Your actual premium will be determined after an Amica life representative reviews your application and underwriting information.
Your age can affect the rate available when you apply. Once your level term policy is issued, your premium will stay the same throughout the level premium period (10, 15, 20, 25 or 30 years). After the level term period ends, your premium may increase.
After requesting a quote, you'll complete an application which provides information for underwriting. You may also be asked additional health questions or to complete a no-cost medical exam. Once underwriting is complete, Amica Life will confirm your eligibility and personalized life insurance rate.
Get a life insurance quote today
1 Online application and quotes are not available in all states.
2 Rates as low as $16.56 per month based on a 20-year-old female, nonsmoker in Preferred Platinum rate class. Sample rates current as of March 22, 2026, for non-smoking individuals in excellent health using our Preferred Platinum rate class. Your rate will be based on your age, health and other factors.
3 Amica monthly rates available via EFT (electronic funds transfer), Pruco Life Insurance Company (Term Essential 20) and AAA Life Insurance Company (nonmember premiums displayed) via CompuLife, March 4, 2026. Standard form number ICC15 FGCLT01-01 and FGCLT03-01 in most states and FGCLT10-04 in NY. Rates shown are for non-smoking individuals in excellent health using our Preferred Platinum rates from age 30 to 50, $500,000 for 20 years. Actual premiums will be determined by our underwriting review and will depend on your exact age and health. Actual premiums may be higher or lower. Not all plans or features are available in all durations, and at all ages or in all states.
ALIC25626 exp. 9/28
Policies issued by Amica Life Insurance Company. NAIC No. 72222