How much is whole life insurance per month?

Whole life insurance offers permanent protection and cash value growth — but how much does it actually cost per month? While it’s more expensive than term life, it also gives you long-term value you can use during your lifetime.

Let’s break down what you can expect to pay, what affects your rate, and how to find the best deal instantly.

Average Monthly Cost of Whole Life Insurance

Monthly premiums vary based on your age, health, gender, and coverage amount. But here are some 2025 ballpark numbers:

• Age 30: $90–$130/month for $250,000 coverage

• Age 40: $140–$200/month for $250,000 coverage

• Age 50: $210–$300/month for $250,000 coverage

• Age 60: $320–$500/month for $250,000 coverage

These are just estimates — actual quotes can be higher or lower depending on your specific profile.

What Affects Your Monthly Premium?

1. Age – Younger applicants lock in lower premiums.

2. Gender – Women generally pay less.

3. Health – No major conditions = better rates.

4. Coverage Amount – Higher death benefit = higher monthly cost.

5. Riders – Adding extras like long-term care or disability benefits will increase your premium.

Is Whole Life Worth the Price?

Whole life costs more than term — but you’re not just paying for insurance.

You’re getting:

✅ Lifelong coverage (never expires)
✅ Guaranteed cash value growth
✅ Tax-advantaged savings
✅ Ability to borrow against your policy
✅ Predictable fixed premiums

It’s ideal if you want both protection and a financial asset.

Find the Best Rate — Instantly

Not all policies or carriers are equal. Some charge more than others for the same coverage.

With our platform, you can:

✔️ Compare quotes from multiple top-rated insurers
✔️ Get coverage starting at just $75/month
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✔️ Qualify without a medical exam for many plans

Protect Your Future. Grow Your Wealth.

✅ Fill out the short form below to get instant whole life insurance quotes.
See how much it costs and how much your policy will grow — in just seconds.

👉 Don’t overpay for peace of mind. Get the best price today.