Term Life Insurance Rates for 18-Year-Olds

20-Year Term Life Insurance Cost (Men; Age 18)

This table shows the cost of 20-year term life insurance for 18-year-old men who do not smoke. It is provided by the companies Mutual of Omaha and Prosperity Life

The coverage amounts range from $25,000 to $250,000. The lowest prices for each coverage amounts are as follows: Mutual of Omaha $25,000: $8.70, Mutual of Omaha $50,000: $12.06, Prosperity Life $100,000: $18.36, and Prosperity Life $250,000: $35.1.

30-Year Term Life Rates (Male; Age 18)

The table above shows the 30-year term life rates for male age 18 from two different providers (Mutual of Omaha and Prosperity Life). These rates are based on the subscriber being a non-smoker

The rates vary depending on the coverage amount with Mutual of Omaha offering rates of $9.61 for a $25,000 policy, $13.88 for a $50,000 policy, and Prosperity Life offering rates of $21.87 for a $100,000 policy and $43.88 for a $250,000 policy.

20-Year Life Insurance Pricing (Male Tobacco; Age 18)

The table above shows the 20-year life insurance pricing for a male, age 18, who is a tobacco user. It shows the company offering the life insurance, the lowest price for the coverage, and the coverage amount

The lowest prices offered for a $25,000 coverage amount are from Mutual of Omaha at $12.75 per month and from Foresters at $17.10 per month. For a $50,000 coverage amount, the lowest price offered is from Foresters at $17.10 per month. For a $100,000 coverage amount, the lowest price offered is from Foresters at $28.96 per month

Lastly, for a $250,000 coverage amount, the lowest price offered is from Foresters at $64.53 per month.

30-Year Term Rates (Male Smokers; Age 18)

The table above shows the 30-year term rates for male smokers aged 18. It displays a variety of coverage options and companies, along with the corresponding lowest price rates

Mutual of Omaha offers a coverage of $25,000 with the lowest rate of $14.40. Foresters offers coverage at $50,000, $100,000, and $250,000, with the lowest prices of $21.83, $38.41, and $88.15, respectively.

20-Year Term Premiums (Women; Age 18)

The table above shows the lowest premiums for 20-year term life insurance policies for women aged 18 from four different insurance providers. Mutual of Omaha has the lowest price at $8.50 for $25,000 of coverage

Foresters is the next lowest with a cost of $11.28 for $50,000 of coverage. Prosperity Life is the most expensive of the group with their $15.75 rate for $100,000 and $28.58 rate for $250,000.

30-Year Term Policies (Women; Age 18)

This table displays the lowest pricing from various companies for life insurance policies with a 30 year term for women age 18 who do not identify as smokers. The table shows that for $25,000 of coverage, Mutual of Omaha offers the lowest price of $9.37

Foresters is offering $12.46 for $50,000 of coverage. Prosperity Life is offering $18.45 for $100,000 of coverage, and $35.33 for $250,000 of coverage.

20-Year Term Monthly Premiums (Women Smokers; Age 18)

This table shows the monthly premiums for women smokers, age 18, on a 20-year term with various coverage amounts. Mutual of Omaha has the lowest premium of $11.66 for a $25,000 policy, while Foresters has the lowest premium of $12.64 for a $50,000 policy and $20.03 for a $100,000 policy, and $42.21 for a $250,000 policy.

30-Year Term Insurance Quotes (Female Smokers; Age 18)

This table shows the lowest available price from 3 different life insurance companies for a 30-year term policy for female smokers aged 18. The table specifies the coverage amount of $25,000, $50,000, $100,000 and $250,000

The company with the lowest price for each coverage amount varies, with Mutual of Omaha offering the lowest pricing for a $25,000 policy and Foresters providing the best prices for the other three coverage amounts.