Term Life Insurance Rates for 36-Year-Olds
- Updated: February 23, 2023

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)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
36 | Men | No | 20 Years | $25,000 | Mutual of Omaha | $11 |
36 | Men | No | 20 Years | $50,000 | Prosperity Life | $15 |
36 | Men | No | 20 Years | $100,000 | Prosperity Life | $23 |
36 | Men | No | 20 Years | $250,000 | Prosperity 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)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
36 | Men | No | 30 Years | $25,000 | Mutual of Omaha | $13 |
36 | Men | No | 30 Years | $50,000 | Prosperity Life | $19 |
36 | Men | No | 30 Years | $100,000 | American Amicable | $30 |
36 | Men | No | 30 Years | $250,000 | American 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)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
36 | Men | Yes | 20 Years | $25,000 | Mutual of Omaha | $17 |
36 | Men | Yes | 20 Years | $50,000 | Foresters | $27 |
36 | Men | Yes | 20 Years | $100,000 | Foresters | $50 |
36 | Men | Yes | 20 Years | $250,000 | Americo | $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)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
36 | Men | Yes | 30 Years | $25,000 | Mutual of Omaha | $21 |
36 | Men | Yes | 30 Years | $50,000 | Foresters | $34 |
36 | Men | Yes | 30 Years | $100,000 | Foresters | $62 |
36 | Men | Yes | 30 Years | $250,000 | Foresters | $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)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
36 | Women | No | 20 Years | $25,000 | Mutual of Omaha | $11 |
36 | Women | No | 20 Years | $50,000 | Prosperity Life | $13 |
36 | Women | No | 20 Years | $100,000 | Prosperity Life | $20 |
36 | Women | No | 20 Years | $250,000 | Prosperity 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)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
36 | Women | No | 30 Years | $25,000 | Mutual of Omaha | $13 |
36 | Women | No | 30 Years | $50,000 | Prosperity Life | $16 |
36 | Women | No | 30 Years | $100,000 | Prosperity Life | $25 |
36 | Women | No | 30 Years | $250,000 | Prosperity 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)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
36 | Women | Yes | 20 Years | $25,000 | Mutual of Omaha | $16 |
36 | Women | Yes | 20 Years | $50,000 | Prosperity Life | $25 |
36 | Women | Yes | 20 Years | $100,000 | Prosperity Life | $44 |
36 | Women | Yes | 20 Years | $250,000 | Prosperity 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)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
36 | Women | Yes | 30 Years | $25,000 | Mutual of Omaha | $20 |
36 | Women | Yes | 30 Years | $50,000 | Prosperity Life | $29 |
36 | Women | Yes | 30 Years | $100,000 | Prosperity Life | $51 |
36 | Women | Yes | 30 Years | $250,000 | Prosperity 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.