Term Life Insurance Rates for 33-Year-Olds

Fact-Checked | View our Editorial Guidelines

Every 33-year-old should understand the importance of life insurance – regardless of their age or current financial situation. Term life insurance, in particular, offers an affordable way to provide financial protection for your loved ones

But how much does it cost? That’s the question we'll answer in this article. we'll give you an understanding of how premiums for term life insurance are determined and the costs you can expect to pay. Get informed - read on to find out exactly how much term life insurance costs for 33-year-olds.

No-Exam
Burial Insurance
Age
Gender
Know Your Rate
Contact info NOT required.

20-Year Term Life Insurance Cost (Men; Age 33)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
33MenNo20 Years$25,000Mutual of Omaha$10
33MenNo20 Years$50,000Prosperity Life$14
33MenNo20 Years$100,000Prosperity Life$21
33MenNo20 Years$250,000Prosperity Life$41

The table shows the monthly rate and other details for 20-Year Term Life Insurance Cost for Men aged 33 who are non-smokers. Mutual of Omaha's monthly rate for a coverage of $25,000 is $10

The rates of Prosperity Life Insurance for coverage of $50,000, $100,000, and $250,000 are $14, $21, and $41 respectively.

30-Year Term Life Rates (Male; Age 33)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
33MenNo30 Years$25,000Mutual of Omaha$12
33MenNo30 Years$50,000Prosperity Life$17
33MenNo30 Years$100,000Prosperity Life$27
33MenNo30 Years$250,000Prosperity Life$56

This table offers 30-year term life rates for a 33-year-old male non-smoker. It includes rates from two different companies; Mutual of Omaha and Prosperity Life

Coverage levels range from $25,000 to $250,000, with monthly rates spanning from $12 to $56.

20-Year Life Insurance Pricing (Male Tobacco; Age 33)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
33MenYes20 Years$25,000Mutual of Omaha$15
33MenYes20 Years$50,000Foresters$23
33MenYes20 Years$100,000Foresters$41
33MenYes20 Years$250,000Americo$92

The table above provides a comparison of the available life insurance policies for a 33-year-old male tobacco user. It shows four different coverage amounts of $25,000, $50,000, $100,000 and $250,000, with different companies and monthly rates

Mutual of Omaha, Foresters and Americo are the three companies offering the respective coverage policies. The monthly rate is different for each of the coverage options, with Mutual of Omaha offering the least expensive at $15, Foresters at $23 and $41 for $50,000 and $100,000 coverage, respectively, and Americo offering $92 for the $250,000 coverage. All policies are for a 20-year term.

No-Exam
Burial Insurance
Age
Gender
Know Your Rate
Contact info NOT required.

30-Year Term Rates (Male Smokers; Age 33)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
33MenYes30 Years$25,000Mutual of Omaha$18
33MenYes30 Years$50,000Foresters$28
33MenYes30 Years$100,000Foresters$51
33MenYes30 Years$250,000Foresters$119

The table above displays 30 year term rates for male smokers who are age 33. Mutual of Omaha offers $25,000 in coverage for a monthly rate of $18, while Foresters provides coverage options of $50,000, $100,000, and $250,000 for monthly rates of $28, $51, and $119, respectively.

20-Year Term Premiums (Women; Age 33)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
33WomenNo20 Years$25,000Mutual of Omaha$10
33WomenNo20 Years$50,000Prosperity Life$13
33WomenNo20 Years$100,000Prosperity Life$18
33WomenNo20 Years$250,000Prosperity Life$34

This table shows the premiums for 20-year term policies for women age 33 at two different life insurance providers. Mutual of Omaha offers $25,000 of coverage for a monthly rate of $10

Prosperity Life offers a range of coverage from $50,000 up to $250,000 from $13 to $34 per month, respectively.

30-Year Term Policies (Women; Age 33)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
33WomenNo30 Years$25,000Mutual of Omaha$11
33WomenNo30 Years$50,000Prosperity Life$15
33WomenNo30 Years$100,000Prosperity Life$22
33WomenNo30 Years$250,000Prosperity Life$44

The table above provides rates for 30-year term policies for women aged 33 who are non-smokers. Mutual of Omaha offers coverage of $25,000 with a monthly rate of $11

Prosperity Life offers coverage of $50,000, $100,000, and $250,000 at a monthly rate of $15, $22, and $44, respectively.

20-Year Term Monthly Premiums (Women Smokers; Age 33)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
33WomenYes20 Years$25,000Mutual of Omaha$14
33WomenYes20 Years$50,000Foresters$21
33WomenYes20 Years$100,000Foresters$38
33WomenYes20 Years$250,000Prosperity Life$83

The table above shows the monthly premiums for women smokers aged 33 who are looking for a 20-year term. It shows the coverage, company and monthly rate for $25,000, $50,000, $100,000 and $250,000 policies

Mutual of Omaha offers the cheapest option with a rate of $14 per month for a $25,000 policy, while Prosperity Life offers the most expensive option with a rate of $83 per month for a $250,000 policy. Foresters offers both $50,000 and $100,000 policies for $21 and $38 per month respectively.

No-Exam
Burial Insurance
Age
Gender
Know Your Rate
Contact info NOT required.

30-Year Term Insurance Quotes (Female Smokers; Age 33)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
33WomenYes30 Years$25,000Mutual of Omaha$17
33WomenYes30 Years$50,000Prosperity Life$25
33WomenYes30 Years$100,000Prosperity Life$43
33WomenYes30 Years$250,000Prosperity Life$97

The table above shows term life insurance quotes for female smokers aged 33. The companies quoted are Mutual of Omaha and Prosperity Life

For a coverage amount of $25,000, Mutual of Omaha has a 30-year term insurance policy with a monthly rate of $17. Prosperity Life has quotes for three additional coverage levels: $50,000, $100,000 and $250,000. The monthly rate for the $50,000 policy is $25, for the $100,000 policy is $43 and for the $250,000 policy is $97.