These are the numbers people search for most. They are modeled from published carrier quote surveys as of October 1, 2026, and calibrated against live carrier quotes from October 2026. We refresh them every month.
At age 65, life only, before tax
- $100,000: a man about $655–$700 a month; a woman about $622–$665.
- $250,000: a man about $1,639–$1,750; a woman about $1,555–$1,661.
- $500,000: a man about $3,277–$3,500; a woman about $3,111–$3,323.
The survey publishes 5-year period-certain payouts; these life-only figures are modeled from it, not published figures. Each range is modeled from the survey’s 8-carrier average (low end) and best quote (high end) — a market benchmark, not a list of carriers we represent (how these estimates are calculated). The spread is real: for the same person and the same premium, carriers can differ by several hundred dollars a year — which is why comparing quotes on identical terms matters.
How age changes it ($250,000, man, life only)
- Age 60: $1,502–$1,639 a month
- Age 70: $1,848–$1,961 a month
- Age 75: $2,174–$2,311 a month
What a guarantee costs ($250,000, man, 65)
- Life only: $1,639–$1,750
- Life + 10 years certain: $1,574–$1,681
- Life + cash refund: $1,557–$1,662
Estimates modeled from published carrier quote surveys as of October 1, 2026, and calibrated against live carrier quotes from October 2026; before tax. Exact quotes vary by carrier, state, and premium size.
See every combination in the full tables or run your own numbers in the estimator.
