10 Year Term
15 Year Term
20 Year Term
25 Year Term
30 Year Term
Preferred Plus (Excellent)
Preferred (Great)
Standard Plus (Good)
Standard (Average)
Non-Smoker
Smoker / Tobacco User
Estimated Monthly Premium:$0.00
Estimated Annual Premium:$0.00
*Disclaimer: These are estimates based on average male mortality tables. Actual quotes require medical underwriting.
Understanding Male Term Life Insurance Rates
Statistically, men pay higher premiums for life insurance than women. This is primarily due to shorter average life expectancies and a higher statistical likelihood of engaging in high-risk occupations or hobbies. Using a male-specific term life insurance rate calculator helps you navigate these specific actuarial realities.
Key Factors Influencing Male Premiums
Age: Rates typically increase by 8% to 12% for every year you wait to purchase a policy.
Nicotine Use: Men who smoke or use tobacco products can expect to pay 200% to 400% more than non-smokers.
Health Class: Factors like Blood Pressure, BMI, and Cholesterol levels determine if you fall into "Preferred Plus" or "Standard" categories.
Term Length: A 30-year term is more expensive than a 10-year term because the insurer carries the risk of a payout for a much longer period as you age.
Typical Rate Examples for Men
For a healthy, non-smoking 35-year-old male seeking a 20-year term policy:
$250,000 Coverage: Approximately $18 – $25 per month.
$500,000 Coverage: Approximately $30 – $42 per month.
$1,000,000 Coverage: Approximately $50 – $70 per month.
How to Secure the Lowest Rates
To optimize your results in this calculator and in real-world applications, consider locking in a policy while young. Additionally, improving your health profile (losing weight or lowering blood pressure) before the medical exam can move you from a "Standard" to a "Preferred" health class, potentially saving you thousands over the life of the policy.
function calculateMaleInsurance() {
var age = parseFloat(document.getElementById('maleAge').value);
var coverage = parseFloat(document.getElementById('coverageAmount').value);
var term = parseFloat(document.getElementById('termYears').value);
var healthMultiplier = parseFloat(document.getElementById('healthClass').value);
var nicotine = document.getElementById('nicotineUse').value;
if (isNaN(age) || age 85) {
alert("Please enter a valid age between 18 and 85.");
return;
}
// Base rate logic: Cost per $1,000 of coverage (Male specific base)
// A 30-year old male non-smoker base cost is roughly $0.06 per $1k for 10yr term
var baseRatePer1k = 0.065;
// Age adjustment: Compound increase of ~7.5% per year over age 20
var ageFactor = Math.pow(1.075, (age – 20));
// Term length adjustment
var termFactor = 1.0;
if (term == 15) termFactor = 1.25;
if (term == 20) termFactor = 1.65;
if (term == 25) termFactor = 2.10;
if (term == 30) termFactor = 2.80;
// Nicotine adjustment: Men smokers typically pay 3.5x
var nicotineFactor = (nicotine === 'yes') ? 3.5 : 1.0;
// Calculate Monthly Rate
// Formula: (Coverage/1000) * Base * AgeFactor * TermFactor * Health * Nicotine
var monthlyPremium = (coverage / 1000) * baseRatePer1k * ageFactor * termFactor * healthMultiplier * nicotineFactor;
// Add policy fee (standard industry monthly admin fee)
monthlyPremium += 5.00;
var annualPremium = monthlyPremium * 12;
// Display results
document.getElementById('monthlyResult').innerText = '$' + monthlyPremium.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('annualResult').innerText = '$' + annualPremium.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resultDisplay').style.display = 'block';
}