Term Life Insurance Rates for 39-Year-Olds

20-Year Term Life Insurance Cost (Men; Age 39)

The table above shows the 20-year term life insurance cost for a 39-year-old male who does not smoke. The term and coverage amounts vary, as does the company providing the policy

Mutual of Omaha offers a $25,000 policy for a monthly rate of $13, Prosperity Life offers a $50,000 policy for a monthly rate of $17, a $100,000 policy for a monthly rate of $28, and a $250,000 policy for a monthly rate of $58.

30-Year Term Life Rates (Male; Age 39)

This table shows term life insurance rates for a thirty-year policy for male applicants aged thirty-nine years old. All applicants listed as non-smokers

The coverage amounts range from $25,000 to $250,000 and the two different companies represented are Mutual of Omaha and American Amicable. The monthly rates increase with the amount of coverage—starting at $15 per month for $25,000 of coverage from Mutual of Omaha and increasing to $80 per month for $250,000 of coverage from American Amicable.

20-Year Life Insurance Pricing (Male Tobacco; Age 39)

This table reflects the 20-year life insurance pricing for male tobacco users, aged 39. Mutual of Omaha offers $25,000 of coverage for $20 a month, Foresters $50,000 for $34 a month, Americo $100,000 for $63 a month, and Americo also offers $250,000 of coverage for $145 a month.

30-Year Term Rates (Male Smokers; Age 39)

This table shows the monthly rates associated with 30-year term life insurance policies for male smokers at age 39. The companies represented in the table are Mutual of Omaha and Foresters and the coverages range from $25,000 to $250,000

The monthly rates associated with this life insurance coverage vary by company and coverage amount, with Mutual of Omaha charging $26 per month for a $25,000 coverage policy and Foresters charging $189 per month for a $250,000 coverage policy.

20-Year Term Premiums (Women; Age 39)

The table above shows the monthly premium rates for a 20 year term insurance policy for a 39 year old female who does not smoke. Mutual of Omaha provides $25,000 in coverage at a rate of $12 per month, while Prosperity Life provides $50,000 in coverage at a rate of $15 per month, $100,000 in coverage at a rate of $23 per month, and $250,000 in coverage at a rate of $46 per month.

30-Year Term Policies (Women; Age 39)

The table above shows the monthly rates of four 30-year term life insurance policies for women aged 39 who are non-smokers. The companies offering the policies are Mutual of Omaha, Prosperity Life, and American Amicable

The coverage amounts are $25,000, $50,000, $100,000, and $250,000. The corresponding monthly rates are $15, $19, $29, and $62 respectively.

20-Year Term Monthly Premiums (Women Smokers; Age 39)

The table above shows the monthly premiums for 20-year term life insurance policies with $25,000, $50,000, $100,000, and $250,000 coverage amounts, for women aged 39 who are smokers. The table compares premiums across different companies, with Mutual of Omaha offering the lowest monthly premiums and Prosperity Life offering the highest

The premiums for a $25,000 policy with Mutual of Omaha are $19/month, for a $50,000 policy with American Amicable are $30/month, for a $100,000 policy with Prosperity Life are $54/month, and for a $250,000 policy with Prosperity Life are $123/month.

30-Year Term Insurance Quotes (Female Smokers; Age 39)

The data in the table above outlines the life insurance quotes for a 39-year-old female smoker over a 30-year period. The coverage amounts available range from $25,000 to $250,000

Mutual of Omaha offers a $25,000 policy at a monthly premium of $25, while American Amicable offers options of $25,000, $50,000, $100,000 and $250,000 policies with monthly premiums of $35, $65 and $150 respectively.