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Term Life Insurance Rates for 36-Year-Olds

36 year old

When looking for life insurance, it’s important to make sure you’re securing coverage that is tailored to meet your specific needs and budget. While term life insurance can offer flexible and affordable financial protection for a set period of time, it’s important to know the rate you’re likely to paying for your policy

This article will provide an overview of how much term life insurance may cost for 36-year-olds, so you can make an informed decision when choosing a policy.

Table of Contents

20-Year Term Life Insurance Cost (Men; Age 36)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
36MenNo20 Years$25,000Mutual of Omaha$11
36MenNo20 Years$50,000Prosperity Life$15
36MenNo20 Years$100,000Prosperity Life$23
36MenNo20 Years$250,000Prosperity Life$46

The table above shows the 20-year term life insurance rates for men aged 36. There are four companies listed in the table: Mutual of Omaha, Prosperity Life, and two other unnamed companies

The coverage amounts range from $25,000 to $250,000 with respective monthly premiums of $11, $15, $23, and $46. All of the listed options are for non-smokers.

30-Year Term Life Rates (Male; Age 36)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
36MenNo30 Years$25,000Mutual of Omaha$13
36MenNo30 Years$50,000Prosperity Life$19
36MenNo30 Years$100,000American Amicable$30
36MenNo30 Years$250,000American Amicable$64

This table shows the 30-year term life rates for a 36 year old male who is a non-smoker. Four different life insurance companies are compared, offering coverage from $25,000 up to $250,000

Mutual of Omaha has the lowest monthly rate of $13 for $25,000 of coverage, Prosperity Life has a rate of $19 for $50,000 of coverage, and American Amicable has monthly rates of $30 for $100,000 of coverage and $64 for $250,000 of coverage.

20-Year Life Insurance Pricing (Male Tobacco; Age 36)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
36MenYes20 Years$25,000Mutual of Omaha$17
36MenYes20 Years$50,000Foresters$27
36MenYes20 Years$100,000Foresters$50
36MenYes20 Years$250,000Americo$113

The table above displays the monthly rate of four different 20-year life insurance policies for a male tobacco user age 36. The first policy with a coverage of $25,000 is offered by Mutual of Omaha and has a monthly rate of $17

The second policy with a coverage of $50,000 is offered by Foresters and has a monthly rate of $27. The third policy with a coverage of $100,000 is also offered by Foresters and has a monthly rate of $50. And the last policy with a coverage of $250,000 is offered by Americo and has a monthly rate of $113.

30-Year Term Rates (Male Smokers; Age 36)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
36MenYes30 Years$25,000Mutual of Omaha$21
36MenYes30 Years$50,000Foresters$34
36MenYes30 Years$100,000Foresters$62
36MenYes30 Years$250,000Foresters$148

The table above shows the monthly rates for life insurance terms of 30 years for male smokers aged 36. The coverage options range from $25,000 offered by Mutual of Omaha, to $250,000 offered by Foresters

The monthly rate for Mutual of Omaha's $25,000 coverage is $21, whereas the monthly rate for Foresters' $250,000 coverage is $148.

20-Year Term Premiums (Women; Age 36)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
36WomenNo20 Years$25,000Mutual of Omaha$11
36WomenNo20 Years$50,000Prosperity Life$13
36WomenNo20 Years$100,000Prosperity Life$20
36WomenNo20 Years$250,000Prosperity Life$38

The table above provides rates for woman aged 36, who are non-smokers, for a 20-year term length. Policy options offered include coverage amounts of $25,000, $50,000, $100,000, and $250,000

The companies offering the policies are Mutual of Omaha and Prosperity Life. The monthly rate associated with each option is provided.

30-Year Term Policies (Women; Age 36)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
36WomenNo30 Years$25,000Mutual of Omaha$13
36WomenNo30 Years$50,000Prosperity Life$16
36WomenNo30 Years$100,000Prosperity Life$25
36WomenNo30 Years$250,000Prosperity Life$51

This table provides rate comparisons for 30-year term life insurance policies for female applicants, age 36, who do not smoke. Mutual of Omaha offers a policy with a $25,000 coverage for a monthly rate of $13

Prosperity Life offers policies with coverage amounts of $50,000, $100,000, and $250,000 for monthly rates of $16, $25, and $51 respectively.

20-Year Term Monthly Premiums (Women Smokers; Age 36)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
36WomenYes20 Years$25,000Mutual of Omaha$16
36WomenYes20 Years$50,000Prosperity Life$25
36WomenYes20 Years$100,000Prosperity Life$44
36WomenYes20 Years$250,000Prosperity Life$98

This table shows the monthly rates for various coverages from two different life insurance companies for a 20-year term policy for a 36-year-old female smoker. Mutual of Omaha offers a $25,000 policy for $16 per month and Prosperity Life offers policies for $50,000, $100,000 and $250,000, with premiums of $25, $44 and $98 per month, respectively.

30-Year Term Insurance Quotes (Female Smokers; Age 36)

AgeGenderSmokerTermCoverageCompanyMonthly Rate
36WomenYes30 Years$25,000Mutual of Omaha$20
36WomenYes30 Years$50,000Prosperity Life$29
36WomenYes30 Years$100,000Prosperity Life$51
36WomenYes30 Years$250,000Prosperity Life$117

The table above shows the monthly rates for 30-year term insurance for female smokers of age 36 from two different companies: Mutual of Omaha and Prosperity Life. The coverage levels are each $25,000, $50,000, $100,000 and $250,000, respectively

For Mutual of Omaha, the monthly rate is $20, regardless of the coverage level, while Prosperity Life has a varying rate depending on the amount of coverage chosen.

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* Based on website quote requests, through 2/28/23.
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