About the Author
Kirt Patel
I am an independent life insurance advisor and founder of Generis Organization. I help families understand life insurance, compare coverage from multiple companies, and make informed decisions based on their goals.
Direct answer: Term Life Insurance rates depend on factors such as your age, health, coverage amount, and how long you want the policy to last. Use the rate explorer below to compare sample Transamerica Trendsetter Super rates for Florida nonsmokers. These are examples only—your actual rate depends on the insurance company's review of your application and current carrier pricing.
Explore illustrative Term Life rates
Not sure which health class to choose? Preferred Plus generally represents the strongest and best priced health class shown, while Standard represents a broader range of health histories. Your actual class is determined by the insurance company after underwriting.
Choose your age, sex, coverage amount, term length, and health class to view a sample monthly and annual cost.
Some term lengths are not available at every age or coverage amount. If a selected option is not available, the explorer will show that the combination is unavailable.
These are sample rates for Florida nonsmokers using Transamerica Trendsetter Super 2021. They are not personal quotes. Your actual rate depends on the insurance company's review of your application and current carrier pricing and availability.
Term Life rates at a glance
A Term Life premium is the amount you pay for coverage during the policy term. Rates can differ based on age, coverage amount, term length, sex, health class, and the underwriting process—the insurance company's review of an application. Changing even one of these details can change the premium.
The examples below cover selected Florida nonsmokers ages 35 through 65, with coverage from $50,000 through $2,000,000 and 10-, 20-, and 30-year terms where available. They do not represent every applicant or every policy.
Term Life rates by age
This table keeps coverage, term length, and health class the same so you can compare sample premiums by age and sex.
| Age | Female monthly | Female annual | Male monthly | Male annual |
|---|---|---|---|---|
| 35 | $17.00 | $200.00 | $19.98 | $235.00 |
| 40 | $23.80 | $280.00 | $28.05 | $330.00 |
| 45 | $35.70 | $420.00 | $45.05 | $530.00 |
| 50 | $54.40 | $640.00 | $69.28 | $815.00 |
| 55 | $82.03 | $965.00 | $112.20 | $1,320.00 |
| 60 | $140.25 | $1,650.00 | $199.33 | $2,345.00 |
| 65 | $401.63 | $4,725.00 | $481.10 | $5,660.00 |
These examples apply only to the profile shown and do not predict what another applicant will pay.
Term Life rates by coverage amount
These examples show how premiums can differ by coverage amount for a 40-year-old female Florida nonsmoker with a 20-year term and Standard health class.
| Coverage | Monthly | Annual |
|---|---|---|
| $50,000 | $16.41 | $193.00 |
| $100,000 | $15.81 | $186.00 |
| $250,000 | $26.56 | $312.50 |
| $500,000 | $42.08 | $495.00 |
| $1,000,000 | $77.35 | $910.00 |
| $2,000,000 | $152.15 | $1,790.00 |
Compare each amount as its own sample. Do not use one premium to calculate the cost of another coverage amount.
10-year vs 20-year vs 30-year Term rates
Term length is the number of years the selected coverage is designed to last. This table compares 10-, 20-, and 30-year sample premiums while keeping the other details the same.
| Term length | Monthly | Annual |
|---|---|---|
| 10 years | $7.57 | $89.00 |
| 20 years | $8.93 | $105.00 |
| 30 years | $12.41 | $146.00 |
Some term lengths are not available at every age or coverage amount. When an option is unavailable, the explorer will say so instead of showing an estimate.
Male vs female rate examples
This table compares female and male rate examples while keeping the other details the same.
| Sex | Monthly | Annual |
|---|---|---|
| Female | $35.70 | $420.00 |
| Male | $45.05 | $530.00 |
This comparison applies only to the product and profile shown. Rates may differ for another age, state, tobacco status, product, health class, coverage amount, or term.
How health class can affect rates
A health or underwriting class is a category shown with a rate after an insurer reviews an application. The insurer decides which class applies.
This table shows how sample premiums for the same age, sex, coverage amount, and term differ across the listed health classes.
| Health class | Monthly | Annual |
|---|---|---|
| Preferred Plus | $28.05 | $330.00 |
| Preferred | $34.85 | $410.00 |
| Standard Plus | $45.90 | $540.00 |
| Standard | $54.40 | $640.00 |
Available health classes can vary by coverage amount and other selections. The explorer will show the choices available for the combination you select.
$1 million and $2 million Term Life rate examples
Higher coverage examples are included because visitors often want to compare seven-figure death benefits. A death benefit is the amount the policy is designed to pay to the beneficiary under the policy terms when a covered death occurs.
| Age | Sex | Coverage | Monthly | Annual |
|---|---|---|---|---|
| 35 | Female | $1,000,000 | $28.05 | $330.00 |
| 35 | Female | $2,000,000 | $53.55 | $630.00 |
| 35 | Male | $1,000,000 | $32.30 | $380.00 |
| 35 | Male | $2,000,000 | $62.05 | $730.00 |
| 50 | Female | $1,000,000 | $96.05 | $1,130.00 |
| 50 | Female | $2,000,000 | $189.55 | $2,230.00 |
| 50 | Male | $1,000,000 | $128.35 | $1,510.00 |
| 50 | Male | $2,000,000 | $254.15 | $2,990.00 |
Coverage availability and the amount an insurer is willing to offer depend on its rules, underwriting, and the applicant's circumstances.
Lower coverage amounts: $50,000 and $100,000
Lower coverage amounts are available in these examples, but the health-class choices can differ. For a 40-year-old with a 20-year term and $50,000 of coverage, the available Standard-class samples are $16.41 monthly and $193.00 annually for a female nonsmoker, and $19.51 monthly and $229.50 annually for a male nonsmoker.
The explorer shows only the health classes available for the age, sex, coverage amount, and term you select. A different selection can show more or fewer choices.
About these rate examples
Every premium shown on this page uses these assumptions:
- Insurance company: Transamerica.
- Product: Trendsetter Super 2021.
- State: Florida.
- Tobacco status: Nonsmoker.
- Ages shown: 35, 40, 45, 50, 55, 60, and 65.
- Coverage amounts shown: $50,000, $100,000, $250,000, $500,000, $1,000,000, and $2,000,000.
- Term lengths: 10, 20, and 30 years where available.
- Health classes: Preferred Plus, Preferred, Standard Plus, and Standard where available.
Some term lengths or health classes are not available for every selection. The explorer will identify an unavailable combination instead of estimating a premium.
Why your actual rate can differ
Underwriting is the insurer's process for reviewing an application and deciding whether to offer coverage and on what terms. An actual offer may differ from these examples because of the applicant's age, sex, health and medical history, tobacco status, coverage request, term, assigned class, state, product availability, and the insurer's current rules.
Rates and product availability can change. These examples are not guaranteed, are not a binding offer, and do not establish eligibility. Product provisions also matter and should be reviewed in the policy. These examples are for Trendsetter Super. The policy and final carrier offer control.
How this page differs from the Cost & Pricing guide
This page provides sample Term Life premiums for selected Florida nonsmoker profiles and lets you compare rates using the explorer and tables.
For a broader explanation of why premiums vary, how underwriting affects cost, and what to compare across policies, read the Term Life Cost & Pricing guide. The two pages answer different questions and are designed to remain separate resources.
Want to see what you may actually qualify for?
These examples are a starting point. Your actual options depend on underwriting, current carrier availability, and the coverage you choose. If you'd like, share a few details below and I'll personally help you compare available Term Life options.