How much is $100,000 in life insurance a month? A $100,000 term life insurance policy could cost you as little as $10.28 a month for a healthy woman in her 20s, and $11.86 for a healthy man of the same age. For many insurers, this is the minimum amount of coverage you can buy, making it your cheapest option.

Looking at $500,000 of coverage, a man in their 30s can expect to pay around $18 a month, whereas a woman would pay about $15 a month. This difference in monthly premiums increases drastically for 60-year-old applicants, where men can expect to pay around $137 a month versus $79 a month for women.

Typically, a 50 to 55 year old man can expect to pay around $54 to $78 per month for a 20 year term life insurance policy with a death benefit of $300,000 - women will pay around 25% less. Get Your Own Life Insurance Rates!

Cost Breakdown of $50,000 Life Insurance Term Life Insurance: For a 30-year-old non-smoker, a 20-year term might cost around $10 to $15 per month. However, for a 50-year-old smoker, the cost might jump to $40 to $60 per month.