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.
Based on sample rates
How much is Whole Life Insurance per month?
For the $25,000 Level Whole Life examples in this dataset, monthly prices ranged from $61.23 to $539.82 for Florida nonsmokers ages 50-80. The middle price in the sample was $134.16 per month.
These 56 examples are sample prices, not a quote. Your actual price depends on your age, sex, health, coverage amount, and the insurance company that approves your application.
See the Whole Life Insurance rates by age, use the rate tool, or learn why Whole Life premiums differ.
Explore Whole Life Insurance rates
Based on sample rates
These are sample prices, not personal quotes. Your actual price can change based on your health, application, and which insurance company offers coverage.
Choose an age, sex, and coverage amount. The tool uses only actual sample prices in the dataset. If there is no exact match, it does not estimate a price.
Whole Life rates at a glance
A premium is the amount you pay to keep a policy active. These examples are for Florida nonsmokers using Level Whole Life coverage and Bank Draft/EFT.
Level coverage generally means the full death benefit starts right away, subject to the policy's terms and exclusions. These examples use simplified issue, which may include health questions without a traditional medical exam.
The next two tables show median monthly prices. Median means the middle price when the sample prices are put in order.
Whole Life Insurance rates by age: $25,000 sample
These are the middle monthly prices from the available $25,000 Level Whole Life sample rates at each age. All examples are for Florida nonsmokers using Bank Draft/EFT.
| Age | Female | Male |
|---|---|---|
| 50 | $63.20 | $77.38 |
| 55 | $76.77 | $94.69 |
| 60 | $89.06 | $114.21 |
| 65 | $110.43 | $147.56 |
| 70 | $143.89 | $196.29 |
| 75 | $199.16 | $267.69 |
| 80 | $276.79 | $382.12 |
In this sample, the middle monthly price increased at every five-year step from age 50 through age 80 for both female and male examples. This pattern does not predict any one person's price.
Based on 56 sample rates. Each age and sex had four available plan prices from three insurance companies. Monthly prices were not calculated from yearly prices.
Whole Life Insurance rates by coverage amount
These are the middle monthly prices for age-65 Level Whole Life sample rates at each coverage amount. All examples are for Florida nonsmokers using Bank Draft/EFT.
| Coverage | Female | Male |
|---|---|---|
| $5,000 | $24.85 | $32.51 |
| $10,000 | $45.98 | $60.78 |
| $15,000 | $67.43 | $89.71 |
| $20,000 | $88.93 | $118.64 |
| $25,000 | $110.43 | $147.56 |
| $30,000 | $131.93 | $176.49 |
| $40,000 | $180.29 | $231.05 |
| $50,000 | $224.71 | $288.16 |
| $75,000 | $341.66 | $450.86 |
| $100,000 | $454.34 | $599.94 |
Based on 66 sample rates. Fewer insurance companies offered some of the larger coverage amounts. For $75,000 and $100,000, the available sample prices came from one insurance company, so those rows should not be treated as a broad market average. Missing prices were not estimated.
Coverage planning and premium pricing answer different questions. You can estimate possible final-expense needs or estimate a broader life-insurance need; neither calculator produces a premium quote.
Based on Generis sample-rate research
Prices can differ between insurance companies
We looked at 116 examples where the same age, sex, and coverage amount were available from more than one insurance company. The median difference between the lowest and highest company price was 19.6%. That means half of the comparisons had a smaller gap and half had a larger one.
This does not mean everyone can save 19.6%. It simply shows why it can be useful to compare more than one company. Price is only one part of choosing a policy, and the lowest price is not always the best fit.
About this research
What the Whole Life sample includes
Important: This is a limited Florida sample, not a national average, a personal quote, or a guarantee of eligibility. Available companies, products, and prices vary by profile and can change.
Will I qualify for the Level rates shown?
Simplified-issue Whole Life may use health questions and other application details without a traditional medical exam. The insurance company reviews this information before it decides whether to offer coverage and what price may apply.
Your health history, medications, tobacco or nicotine use, and other details can affect your options. Insurance companies may review the same information differently. This page cannot determine whether you will qualify.
Types of Whole Life coverage
These types of coverage do not provide the same benefits. A lower price does not mean one type is better.
- Level: The full death benefit generally starts right away, subject to the policy's terms and exclusions.
- Graded: The policy may pay only part of the death benefit for a natural death during the first few years.
- Return of Premium (ROP): For some policies, a natural death during the early period may return the premiums paid, sometimes with an additional amount, instead of the full death benefit.
- Guaranteed Issue: Usually no health questions are required, but the policy may limit the benefit for natural death during an early waiting period.
Exact rules vary by policy, product, and state. Learn more about waiting periods and graded benefits or review Guaranteed Issue Life Insurance.
How we got these prices
Generis collected real sample rates from multiple insurance companies. The public rate tool and tables use Florida nonsmoker prices for Level Whole Life coverage. We did not fill in missing ages, coverage amounts, or prices.
These are sample prices, not personal quotes. Prices and availability can change. The insurance company's current offer and the issued policy control.
See more about our data
The research set contains 1,144 sample-rate rows: 534 Level, 220 Graded, 80 Return of Premium, and 310 Guaranteed Issue. Only the Florida Level rates are used in the public tool and price tables.
- Sample assumptions: Florida, nonsmoker, Level coverage, and Bank Draft/EFT.
- Available ages: 40, 45, 50, 55, 60, 65, 70, 75, 80, and 85.
- Available coverage amounts: $5,000, $10,000, $15,000, $20,000, $25,000, $30,000, $40,000, $50,000, $75,000, and $100,000.
- Age table: 56 sample rates. Each age and sex includes four plan prices from three insurance companies.
- Coverage table: 66 sample rates. Fewer companies were available at some larger coverage amounts.
A sample rate is one price in the source data. A table median is the middle price after the samples are put in order. Monthly and yearly prices are separate source values; one was not calculated from the other. No separate policies were combined to create a larger sample price.
Guaranteed Issue prices are not published because the imported source table does not confirm its state or effective date. Analysis snapshot: October 2026.
Why your actual rate can differ
An insurance company reviews your application before it decides whether to offer coverage and at what price. This review is called underwriting.
Your result may differ because of your age, sex, health, tobacco or nicotine use, state, coverage amount, payment method, and available policy options. These sample prices are not quotes, guarantees, or proof that you qualify.
How this page differs from the Whole Life Cost & Pricing guide
This page focuses on sample Whole Life Insurance rates, including prices by age and coverage amount. The rate tool uses only prices found in the dataset and does not estimate missing prices.
For broader education about factors that influence premiums and how policy design affects cost, read the Whole Life Insurance Cost & Pricing guide. To understand Whole Life coverage more generally, learn about Whole Life coverage.
If your goal is a smaller death benefit for end-of-life expenses, compare smaller-face Final Expense sample rates and benefit-timing context.
Not sure which rate may apply to you?
These sample prices are a starting point. They do not replace an insurance company's review of your application. You can request a complimentary, no-obligation review directly with Kirt Patel—not a call center.
Kirt can review your age, coverage goal, health history, medications, and available options. Detailed medical questions are handled privately instead of through a public website form.
Related Whole Life resources
Continue exploring the Whole Life guides for foundational explanations and related planning topics.