Term Life Insurance Rates for 37-Year-Olds
- Updated: February 23, 2023

Term life insurance is an important financial tool that protects you and your family, but it can be hard to understand how its costs can vary based on factors such as your age. In this article, we will explore the costs of term life insurance for 37-year-olds, to help you make an informed decision about the type and scope of coverage that is best for you
We will look at key factors such as age brackets, policy size, and more to help you better understand the costs of term life insurance, and what you can expect to pay when purchasing this important protection.
Table of Contents
20-Year Term Life Insurance Cost (Men; Age 37)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
37 | Men | No | 20 Years | $25,000 | Mutual of Omaha | $12 |
37 | Men | No | 20 Years | $50,000 | Prosperity Life | $16 |
37 | Men | No | 20 Years | $100,000 | Prosperity Life | $24 |
37 | Men | No | 20 Years | $250,000 | Prosperity Life | $50 |
The table above provides rates for 20-year term life insurance policies for men aged 37 who are non-smokers. The coverage amounts range from $25,000 to $250,000
The rates listed are provided by two different insurance companies, Mutual of Omaha and Prosperity Life. The monthly rate for Mutual of Omaha is $12, while the rates for Prosperity Life range from $16 to $50, depending on the coverage amount.
30-Year Term Life Rates (Male; Age 37)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
37 | Men | No | 30 Years | $25,000 | Mutual of Omaha | $14 |
37 | Men | No | 30 Years | $50,000 | Prosperity Life | $20 |
37 | Men | No | 30 Years | $100,000 | American Amicable | $32 |
37 | Men | No | 30 Years | $250,000 | American Amicable | $69 |
This table presents the rates for male non-smokers age 37 who are purchasing 30-year term life insurance policies from three different life insurance companies. The coverage options range from $25,000 to $250,000
Mutual of Omaha offers a policy with a $25,000 coverage for $14 per month, Prosperity Life offers a policy with a $50,000 coverage for $20 per month, American Amicable offers a policy with a $100,000 coverage for $32 per month, and American Amicable offers a policy with a $250,000 coverage for $69 per month.
20-Year Life Insurance Pricing (Male Tobacco; Age 37)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
37 | Men | Yes | 20 Years | $25,000 | Mutual of Omaha | $18 |
37 | Men | Yes | 20 Years | $50,000 | Foresters | $29 |
37 | Men | Yes | 20 Years | $100,000 | Foresters | $53 |
37 | Men | Yes | 20 Years | $250,000 | Americo | $124 |
The table above displays the different life insurance pricing options for a male smoker between the age of 37-57. All of the policies listed offer 20 years of coverage and the pricing is based on the coverage amount ranging from $25,000 to $250,000
The companies featured are Mutual of Omaha, Foresters and Americo. For the coverage of $25,000 the monthly rate is $18 with Mutual of Omaha, whereas with Foresters the monthly rate for $50,000 coverage is $29. Lastly, for Americo the monthly rate for $250,000 coverage is $124.
30-Year Term Rates (Male Smokers; Age 37)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
37 | Men | Yes | 30 Years | $25,000 | Mutual of Omaha | $23 |
37 | Men | Yes | 30 Years | $50,000 | Foresters | $36 |
37 | Men | Yes | 30 Years | $100,000 | Foresters | $67 |
37 | Men | Yes | 30 Years | $250,000 | Foresters | $160 |
The table above shows the term life insurance rates for male smokers aged 37 over a 30-year period. Mutual of Omaha's rate for a $25,000 coverage is $23 monthly, while Foresters offers rates of $36, $67, and $160 for coverage of $50,000, $100,000, and $250,000 respectively.
20-Year Term Premiums (Women; Age 37)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
37 | Women | No | 20 Years | $25,000 | Mutual of Omaha | $11 |
37 | Women | No | 20 Years | $50,000 | Prosperity Life | $14 |
37 | Women | No | 20 Years | $100,000 | Prosperity Life | $21 |
37 | Women | No | 20 Years | $250,000 | Prosperity Life | $41 |
The table above shows monthly premium rates for various life insurance policies with 20-year terms for a female age 37, who is a non-smoker. The rates are provided by two life insurance companies - Mutual of Omaha and Prosperity Life
For a coverage of $25,000, Mutual of Omaha offers a monthly rate of $11. For a coverage of $50,000, Prosperity Life offers a monthly rate of $14. For a coverage of $100,000, Prosperity Life offers a monthly rate of $21
And for a coverage of $250,000, Prosperity Life offers a monthly rate of $41.
30-Year Term Policies (Women; Age 37)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
37 | Women | No | 30 Years | $25,000 | Mutual of Omaha | $13 |
37 | Women | No | 30 Years | $50,000 | Prosperity Life | $17 |
37 | Women | No | 30 Years | $100,000 | American Amicable | $26 |
37 | Women | No | 30 Years | $250,000 | American Amicable | $55 |
This table shows life insurance rates for 30-year term policies offered to female non-smokers of age 37. Four companies are represented in the table: Mutual of Omaha, Prosperity Life, and American Amicable
All rates given are monthly rates. Mutual of Omaha offers a $25,000 coverage for $13 per month, Prosperity Life provides a $50,000 coverage for $17 per month, and American Amicable offers a $100,000 coverage for $26 per month and a $250,000 coverage for $55 per month.
20-Year Term Monthly Premiums (Women Smokers; Age 37)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
37 | Women | Yes | 20 Years | $25,000 | Mutual of Omaha | $17 |
37 | Women | Yes | 20 Years | $50,000 | American Amicable | $27 |
37 | Women | Yes | 20 Years | $100,000 | Prosperity Life | $47 |
37 | Women | Yes | 20 Years | $250,000 | Prosperity Life | $106 |
The table above provides data on 20-year term life insurance monthly premiums, specifically catered to 37-year-old women smokers. It shows that the premiums vary, depending on the coverage amount and company being used
With Mutual of Omaha, a $25,000 coverage amount costs $17 per month, while Prosperity Life offers both a $100,000 coverage amount at $47 and a $250,000 coverage amount at $106 per month. American Amicable also offers a $50,000 coverage amount for $27 per month.
30-Year Term Insurance Quotes (Female Smokers; Age 37)
Age | Gender | Smoker | Term | Coverage | Company | Monthly Rate |
---|---|---|---|---|---|---|
37 | Women | Yes | 30 Years | $25,000 | Mutual of Omaha | $22 |
37 | Women | Yes | 30 Years | $50,000 | American Amicable | $32 |
37 | Women | Yes | 30 Years | $100,000 | Prosperity Life | $56 |
37 | Women | Yes | 30 Years | $250,000 | American Amicable | $129 |
The table above shows quotes for 30-year term insurance for female smokers aged 37. Mutual of Omaha is offering a $25,000 coverage policy for $22 per month, American Amicable is offering $50,000 and $250,000 policies for $32 and $129 a month respectively, and Prosperity Life is offering a $100,000 policy for $56 per month.