Lock in your lowest life insurance rate
Waiting could cost you
10-year term life insurance policy with a death benefit of $1,000,000
As of January 2026, rates increase 8–12% on average for each year you delay (Investopedia). Example: A 40-year-old nonsmoking male in good health could get a 20-year, $1M term policy for $792/year. At 41, it rises to $876. At 42, $972. (Rates as of 3/26/2026)
Male Age
Smoker $63 $74
Nonsmoker $37 $45
25 35
45
$130
$73
Average term life insurance rates by age
55
$333
$176
Female
Age 25 35 45 55
Smoker $39 $46
Nonsmoker $20 $29 $59 $134
A male 35-year-old nonsmoker pays $45/month for a 10-year term policy. A 45-year-old pays $73. Buy at 35 instead of 45 and save $336 per year. (Rates as of 3/26/2026)
$100 $236
Common mistakes when buying life insurance
Waiting until you have kids. Delaying costs you years of lower rates. Even without children, life insurance covers personal debts, medical bills, mortgage, lost wages, and funeral expenses. Younger and healthier = lower premiums.
Relying on employer coverage. Employer policies are typically far less than the 10x experts recommend as of September 2025 (Forbes).
Ready to apply? Talk to your agent today.
© 2026 Ethos T echnologies Inc. ( " Ethos " ). Ethos operates in some states as Ethos L ife Insurance S ervices. C A license # 0 L 28949 ; AR license # 100164629. Ethos o ff ers policies issued b y the carriers listed at www .ethoslife.com/carriers. P roducts and their features may not b e availa b le in all states. T he information and content provided in this document is for informational purposes only and is not to b e considered legal, tax, investment, or fi nancial advice. N o contract is formed or amended b y this document .
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