Life Insurance Premium Calculator
Calculate life insurance premiums, coverage needs, and policy costs. Get personalized estimates for term life, whole life, and universal life insurance.
Step 1: Personal Details
Health Factors
Your age, health status, and lifestyle significantly impact life insurance premiums. Non-smokers with excellent health typically get the lowest rates.
Step 2: Policy Details
Policy Selection
Term life offers affordable coverage for a specific period. Whole life provides lifelong coverage with cash value accumulation but higher premiums.
Life Insurance Premium Results
Estimated Monthly Premium
Premium Cost Breakdown
Premium Factors
Your premium is calculated based on mortality risk, coverage amount, policy type, and additional riders. Age is the most significant factor affecting life insurance costs.
Policy Type Comparison
Policy Type Details
Term vs. Whole Life Insurance
Term life provides pure death benefit protection for a specific period. Whole life offers lifelong coverage with cash value accumulation but at 5-15x higher premiums.
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