Real term life quotes by age and health class, not estimates. See what coverage costs, then get your exact rate.
Last reviewed October 2026 by Dev Gaymes, Texas-licensed life insurance agent, NPN 16654074 · Editorial policy
These are real quotes we pulled on 13 September 2026 for a Texas applicant, not estimates. They show what $500,000 of 20-year term costs at Preferred non-tobacco: a strong health class, though not the best one.
$500,000 of 20-year level term, Texas, Preferred non-tobacco, quoted 13 September 2026 (*female rate at 50 quoted October 2026 on the same basis), representing rates available across our appointed carriers. Illustrative only, not a quote.
Each year of age adds roughly 7% to 9% to the same policy between 35 and 50, so when you apply matters. More on what drives the price.
Many online quote tools show only the top few health classes, and most people do not land there. Here is one carrier's full ladder for a 45-year-old man buying $500,000 of 20-year term, from the best class to Table 6:
One carrier's rate ladder, Texas, September 2026, non-tobacco. Illustrative only, not a quote.
The class a carrier gives you depends on your health, build, family history and nicotine use, and carriers disagree. Why online quotes and real prices differ and how health conditions are underwritten.
Tell me a little about you and I'll quote your rate across carriers, for term, permanent or final expense coverage, including the health class you're likely to get. If anything in your health history matters, I'll check it with underwriters before you apply.
They are real quotes we pulled on 13 September 2026 for a Texas applicant buying $500,000 of 20-year term at Preferred non-tobacco. Your own price depends mostly on the health class a carrier gives you, which is why the full class ladder is shown too. For your exact rate, send your details and we will quote it across carriers.
No. The rate tables on this page need nothing from you. If you want your exact rate, the request form asks for an email address so we can send it; a phone number is optional.
Carriers sort applicants into classes from Preferred Plus down to table ratings, based on health, build, family history and nicotine use. In one carrier's rates for a 45-year-old man, Preferred Plus was $45.05 a month and Standard was $85.85 for the same policy. Most people do not land in the top class, and a short conversation or an informal inquiry usually tells you which class is realistic.
Each carrier sets its own underwriting rules, so the same person can land in very different classes. In one recent file of ours, a client with a high BMI would have been declined by most carriers, was offered Table 6 by one and was approved at Table 4 by the carrier we chose.
Yes. Life insurance rates are filed with the Texas Department of Insurance, so the same policy from the same carrier costs the same wherever you buy it. What an independent broker changes is how many carriers see your file, which is how you find the one that classifies you best.
Yes, if you are healthy and want speed. Through Ethos, one of the companies we are appointed with, you can apply for term coverage fully online. It is one company's underwriting, so if you have any health history, a comparison across carriers is usually worth more.