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How much does life insurance cost?

IT'S MORE AFFORDABLE THAN YOU MAY REALIZE

According to the 2019 Insurance Barometer Report, lack of knowledge causes many consumers to overestimate the cost of term life insurance coverage. Over half of the population thinks the cost of a term life insurance policy is over three times the actual cost.

Actual Real-Life Examples:

Jon, 30

$1,000,000

10-year term life policy for $20 monthly

Mary, 50

$250,000

10-year term life policy for $23 monthly

Jon, 30

$500,000

15-year term life policy for $27 monthly

Frequently Asked Questions

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If you have a spouse (or partner) and/or children that would suffer financially if you were to die, you need life insurance. There are others who need life insurance (e.g. business partners), but the main incentive to own life insurance always has been to ensure your loved ones will be taken care of financially should you die.
There are several methods of determining how much life insurance you need. One method is using the multiple of income method, using a multiplier of your income to determine the benefit amount. Between 25 and 35, we recommend 20-25 times your income; between 35- 50, multiply your income by 15; above 50, use a factor of 10. These are only general guides, as every situation will vary.

You can also use our calculator, which uses a different method. Ultimately, the cost will be a factor too, as you have to maintain the premium payments over time.

Now that you have determined how much you need, hopefully the insurance company will offer you that amount. Insurance companies use multipliers as described above and will not provide you with more coverage than they think you need, based on their formulas. There is some flexibility there, so if you have needs that exceed these formulas, your agent can help you “sell your case” to the underwriter.

No. We are paid a commission by the insurance company if we assist you with getting your policy in force

Online or on the phone,
we make it fast and easy.

Our easy-to-use, online quote engine allows you to compare Term Life Insurance, No-Exam Life Insurance and Final Expense Life Insurance quotes instantly. GET STARTED

However, if you do want to speak to a live professional, our licensed and experienced agents are available to answer your questions. Call now: 866-868-0099

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  • 450 N. Brand Blvd., Suite 600
    Glendale, CA 91203
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Here is the legal information we’re required to provide you. LifeInsure.com, a California corporation and subsidiary of Intramark Insurance, is a licensed independent insurance broker. The information provided on this site has been developed by LifeInsure.com for general informational and educational purposes. We try hard to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.

LifeInsure Logo
  • 450 N. Brand Blvd., Suite 600
    Glendale, CA 91203
  • Monday – Friday
    8 A.M. – 5:00 P.M PST

LifeInsure.com® is a registered
trademark of Intramark Insurance,
Services, Inc. © 2024.

Privacy Policy
Legal Notice & Disclaimer

QUICK LINK

RESOURCES

RATINGS & SOCIALS

Facebook Twitter Youtube Linkedin

Here is the legal information we’re required to provide you. LifeInsure.com, a California corporation and subsidiary of Intramark Insurance, is a licensed independent insurance broker. The information provided on this site has been developed by LifeInsure.com for general informational and educational purposes. We try hard to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.