Written by Cory Levine, Life Insurance Expert ✅
Founder of The Life Insurance Professionals · Licensed since 2018 · Boca Raton, FL, serving families nationwide
Editorial disclosure
This article was written by Cory Levine, a licensed independent life insurance agent, for general education. It is not financial, tax or legal advice. Cory may earn a commission if you buy a policy through him, and that never changes what he recommends. Rates, benefits and availability vary by company, state and underwriting.
Helping families since 2018. Content follows our editorial standards to protect consumers.
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Cory Levine is an independent life insurance agent in Boca Raton, Florida, serving families nationwide. After losing his wife in 2017 and raising his children on his own, he helps families compare term life with living benefits, indexed universal life, permanent coverage and annuities, with honesty and no pressure. Read Cory’s full bio
Short answer: The most affordable way to protect your family is usually term life insurance. To get the lowest rate, apply while you’re young and healthy, buy the amount and term length you actually need, avoid tobacco, and compare several companies, which an independent agent does for you. Cory Levine is an independent life insurance agent in Boca Raton, FL, serving families nationwide.
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Most people never get life insurance because they think they can’t afford it. In the 2025 Insurance Barometer Study, healthy adults 30 and younger guessed that a $250,000, 20-year term policy would cost about 10 to 12 times more than it really does.
The real number is often less than a few dinners out each month. For example, in my term life rates in your 30s guide, $500,000 of 20-year term for a healthy non-smoker runs about $21.56 to $36.08 a month in the best rate class.
See your own rate in about 2 minutes →
Why is term life insurance the most affordable option?
Term life insurance covers you for a set number of years, usually 10, 20 or 30. It has no cash value, so nearly all of your premium pays for protection. That’s why term usually costs a fraction of permanent coverage like whole life or IUL. If your main goal is protecting your family while your kids are growing up or your mortgage is being paid off, term is usually the place to start.
9 ways to get affordable term life insurance
1. Lock in your rate while you’re young and healthy
Your age and health on the day you apply set your price, and with level term that price stays the same for the whole term. Every birthday you wait, the rate goes up. Buying sooner is the single easiest way to save.
2. Buy the amount you actually need
Too little coverage leaves your family short. Too much means paying for protection you don’t need. A common starting point is enough to replace your income for the years your family depends on it, plus your mortgage and debts. Get a personal number with the free life insurance needs calculator.
3. Match the term length to your need
A shorter term costs less each month. Pick a term that lasts until your biggest responsibilities are handled, like your youngest child finishing school or your mortgage being paid off. Some families also “ladder” two policies, such as a larger 20-year policy and a smaller 30-year policy, so coverage shrinks as their needs shrink.
4. Compare multiple companies
Every insurance company looks at health differently. One company may charge more for high blood pressure while another gives you a better rate class for the same reading. As an independent agent, I compare many top-rated companies for you, so you’re not stuck with one company’s price.
5. Quit tobacco and nicotine
Tobacco and nicotine users usually pay much more for life insurance. Many companies give non-smoker rates once you’ve been tobacco-free for 12 months. If you’ve quit, tell your agent. See how life insurance works for smokers and vapers.
6. Don’t skip the medical exam if you’re healthy
No-exam life insurance is fast and convenient, and many healthy people now qualify for it. But if you’re in great health, a fully underwritten policy with an exam can sometimes earn you a lower rate class. Ask to see both options.
7. Pay annually if you can
Many companies charge a little less when you pay once a year instead of monthly. If your budget allows it, it’s an easy way to trim the cost.
8. Choose add-ons wisely
Some extras, like return of premium, can raise your price significantly. Others are valuable and often cost little or nothing extra, like living benefits that let you use part of your coverage if you’re diagnosed with a qualifying serious illness. Pay for what matters to your family, not every option on the menu.
9. Already have a policy? Review it if your health has improved
Your rate class was based on your health the day you applied. If it has been 2 years or more and your health has improved, or a condition that wasn’t under control back then is now steady and well controlled, you may qualify for a better rate class today. Lost weight, quit tobacco, or got your blood pressure, cholesterol or A1C consistently in range? Those changes can matter.
Re-applying may get you a lower rate. A different company may also offer better coverage, such as stronger living benefits, a longer term or better conversion options. It’s worth a free review.
One important rule: never cancel your current policy until the new one is approved and in force. A new policy also starts a new contestability period, and you’ll be applying at your current age, so the savings have to be worth it. I’ll compare both side by side and tell you honestly if keeping what you have is the better move.
Isn’t the life insurance through my job enough?
Group coverage through work is a nice benefit, but it’s often only one or two times your salary, and it usually ends if you leave or lose your job. A personal term policy stays with you no matter where you work. Read more in Is life insurance through work enough?
Can I get affordable term life insurance with a health condition?
Often, yes. Conditions like diabetes, high blood pressure and high cholesterol don’t automatically mean high rates, especially when they’re well controlled. Because companies view conditions so differently, comparing them matters even more. Take my private 5-minute health check to see which rate class you may qualify for.
How much does term life insurance cost at my age?
See typical rates for your age group:
- Term life insurance rates in your 30s
- Term life insurance rates in your 40s
- Term life insurance rates in your 50s
- Term life insurance rates in your 60s
Why this matters to me
I’m a widower. I lost my wife in 2017 and I’ve raised my children on my own since. I know firsthand what the right coverage means to a family, and what it costs when it isn’t there. That’s why I’ll always show you the most affordable way to protect your family, and tell you honestly when what you already have is enough.
See your affordable term life rate
- Get a free term life insurance quote in about 2 minutes.
- Take the private health check to see your likely rate class.
- Book a free 15-minute call and I’ll compare companies for you.
- Call or text Cory at 561-542-8610.
Rates shown are examples for healthy non-smokers in the best rate class and are not guaranteed. Your actual rate depends on your age, health, tobacco use, coverage amount, term length and underwriting by the insurance company. Educational information only, not tax or legal advice.
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Is your family protected if something happens to you?
I’m Cory Levine, an independent agent and a widower raising my children. I know what the right policy means to a family. I compare top-rated companies, not just one, to find you honest options: coverage that protects your family, living benefits you can use while you’re alive, and income you can’t outlive.
See my rate in 2 minutes →Take the private health check → · Book a free 15-minute call →
Or call or text (561) 542-8610
About Cory Levine
Cory Levine is an independent life insurance agent and founder of The Life Insurance Professionals, based in Boca Raton, Florida and serving families nationwide. Licensed since 2018, he has helped hundreds of families protect what matters most. After losing his wife in 2017 and raising his children on his own, he knows firsthand what the right coverage means to a family. Guided by his faith, Cory treats every family he helps as a responsibility, not a sale, with honesty, transparency and no pressure. He compares top-rated companies to find honest options: term life with living benefits, indexed universal life, permanent coverage, and annuities, including 401(k) rollovers and retirement income you can’t outlive. Florida License W526357.
“Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves.” — Philippians 2:3 (NIV)
