Typical monthly cost for $10,000 of coverage, non-smokers, 2026 carrier averages.
A healthy 60-year-old woman pays about $36/month for $10,000 of coverage; a man the same age pays about $45. Rates roughly double every 10 years of age. Smokers pay 30–60% more.
| Age | Female (non-smoker) | Male (non-smoker) |
|---|---|---|
| 50 | $25/mo | $30/mo |
| 55 | $30/mo | $36/mo |
| 60 | $36/mo | $45/mo |
| 65 | $47/mo | $58/mo |
| 70 | $62/mo | $78/mo |
| 75 | $89/mo | $110/mo |
| 80 | $132/mo | $165/mo |
| 85 | $198/mo | $245/mo |
Rates shown for $10,000 of level-benefit coverage. Multiply roughly proportional for $5,000 (half) or $25,000 (about 2.4×). Smoker rates are 30–60% higher.
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