---

Whole Life Insurance Rates Chart

 What to Expect

Whole life insurance is one of the most popular permanent life insurance options because it provides lifelong coverage, fixed premiums, and cash value growth. But before purchasing a policy, most people want to know what it will cost. A whole life insurance rates chart can help you compare typical premiums by age and coverage amount.

---

What Affects Whole Life Insurance Rates?

Several factors influence your premium:

1. Age – The younger you are when you apply, the lower your rate.
2. Gender – Women typically pay less than men due to longer life expectancy.
3. Health – Good health means cheaper premiums, while health issues raise costs.
4. Coverage Amount – Higher death benefits lead to higher premiums.
5. Lifestyle – Smoking or risky occupations may increase rates.

---

Sample Whole Life Insurance Rates Chart (Monthly Premiums)

Below is a general estimate of whole life insurance rates for healthy, non-smoking individuals. Actual costs vary by insurer and policy details.

Age	$50,000 Coverage	$100,000 Coverage	$250,000 Coverage
30	$40 – $55	$75 – $110	$180 – $250
40	$60 – $80	$115 – $160	$280 – $400
50	$95 – $125	$180 – $250	$450 – $650
60	$160 – $220	$310 – $430	$800 – $1,200
70	$280 – $400	$550 – $750	$1,500 – $2,200

Note: These are illustrative ranges. Rates depend on health, provider, and optional riders.

---

Key Insights from the Rates Chart

• Buy Young – A 30-year-old pays significantly less than a 50-year-old for the same coverage.
• Gender Matters – Women’s rates are generally 5–15% lower than men’s.
• Coverage Choice – Doubling your coverage doesn’t always double your cost—it increases, but not proportionally.
• Lifelong Commitment – Whole life insurance is more expensive than term life, but the coverage never expires.

---

Why Whole Life Insurance Costs More Than Term Life

• Permanent Coverage – Whole life lasts for life, while term life ends after 10–30 years.
• Cash Value – Part of your premium goes into a savings account that grows tax-deferred.
• Guaranteed Premiums – Your rate never increases, even as you age or if your health declines.

---

Tips for Getting the Best Whole Life Rates

1. Apply Early – Buying in your 20s or 30s locks in much lower premiums.
2. Maintain Good Health – Better health can qualify you for preferred rates.
3. Compare Multiple Quotes – Rates vary widely between insurers.
4. Consider Smaller Policies – If cost is a concern, start with a modest coverage amount.
5. Ask About Riders – Some add value (like long-term care riders), but they increase cost.

---

Final Thoughts

A whole life insurance rates chart helps illustrate how age, coverage, and health affect costs. While whole life is more expensive than term life, it provides permanent protection and cash value growth, making it a long-term financial tool.

If affordability is a concern, start with a smaller policy or explore a combination of term and whole life coverage. The key is to secure coverage early, while rates are still low.

---

Would you like me to also create a downloadable PDF version of the rates chart so it’s easier for readers to save and compare later?