How Much Life Insurance Do I Need?

A popular rule of thumb recommends 8 to 10 times annual income.

10 – Year Level Premium Life Insurance
Monthly premium: Preferred Non-Smoker
           
$100,000 $100,000     $250,000 $250,000
  Age
Male
Female   Age Male
Female
  20
$ 7.99 $ 7.63   20 $ 11.48 $ 10.92
  25
$ 8.11 $ 7.64   25 $11.78 $ 10.94
  30
$ 8.12 $ 7.64   30 $ 11.79
$ 10.94
  35
$ 8.16 $ 7.64   35 $11.99 $ 10.94
  40
$ 9.75 $ 9.16   40 $15.37 $ 13.47
  45
$12.91 $11.82   45 $22.74 $ 19.17
  50
$18.21 $14.96   50 $32.16 $ 25.94
  55
$26.77 $20.07   55 $47.25 $ 35.86
  60
$ 37.95 $27.87   60 $73.33 $ 51.23
  65
$ 63.23 $38.12   65 $132.26 $ 80.74
  70
$105.04 $58.84   70 $227.35 $129.94
    Premiums and Death Benefit are Guaranteed for 10 years.
    15, 20, 25 & 30 Year Term also Available  
               
Monthly premium: Preferred Smoker  
           
$100,000 $100,000     $250,000 $250,000
Age
Male Female   Age Male Female
20
$ 15.23 $ 12.98   20 $ 27.63 $ 21.72
25
$ 15.47 $ 12.99   25 $ 27.63 $ 21.75
30
$ 16.08 $ 13.64   30 $ 28.68 $ 23.19
35
$ 17.12 $ 14.43   35 $ 30.17 $ 24.88
40
$ 22.15 $ 18.87   40 $ 40.10 $ 33.75
45
$ 32.11 $ 25.80   45 $ 63.16 $ 49.19
50
$ 42.79 $ 35.76   50 $ 95.15 $ 68.88
55
$ 67.96 $ 47.98   55 $ 145.30 $ 90.92
60
$ 97.65 $ 64.95   60 $ 218.43 $ 139.09
65
$154.69 $ 94.46   65 $ 357.13 $198.66
70
$255.83 $143.85   70 $ 597.01 $ 329.54
Premiums and Death Benefit are Guaranteed for 10 years.
15, 20, 25 & 30 Year Term also Available