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TruStage® Individual Term Life Insurance Monthly Premiums

Age Group
25 - 30 31 - 35 36 - 39
Coverage Amount $10,000 4.80 5.50 6.10
$20,000 7.10 8.50 9.70
$30,000 9.40 11.50 13.30
$40,000 11.70 14.50 16.90
$50,000 14.00 17.50 20.50
$60,000 16.30 20.50 24.10
$70,000 18.60 23.50 27.70
$80,000 20.90 26.50 31.30
$90,000 23.30 29.50 34.90
$100,000 25.50 32.50 38.50
$150,000 28.55 35.30 42.35
$200,000 36.40 45.40 54.80
$250,000 44.25 55.50 67.25
$300,000 52.10 65.60 79.70
Age Group
40 - 44 45 - 49 50 - 54
Coverage Amount $10,000 6.70 8.10 10.00
$20,000 10.90 13.70 17.50
$30,000 15.10 19.30 25.00
$40,000 19.30 24.90 32.50
$50,000 23.50 30.50 40.00
$60,000 27.70 36.10 47.50
$70,000 31.90 41.70 55.00
$80,000 36.10 47.30 62.50
$90,000 23.30 29.50 34.90
$100,000 44.50 58.50 77.50
$150,000 50.00 63.65 92.00
$200,000 65.00 83.20 121.00
$250,000 80.00 102.75 150.00
$300,000 95.00 122.30 179.00
Age Group
55 - 59 60 - 65 66 - 69
Coverage Amount $10,000 14.00 19.50 27.80
$20,000 25.50 36.50 53.10
$30,000 37.00 53.50 78.40
$40,000 48.50 70.50 103.70
$50,000 60.00 87.50 129.00
$60,000 71.50 104.50 179.60
$70,000 83.00 121.50 179.60
$80,000 94.50 138.50 230.20
$90,000 106.00 155.50 204.90
$100,000 117.50 172.50 255.50
$150,000 134.75 203.15 311.00
$200,000 178.00 269.20 413.00
$250,000 221.25 335.25 515.00
$300,000 264.50 401.30 617.00
Age Group
25 - 30 31 - 35 36 - 39
Coverage Amount $10,000 6.50 6.50 6.90
$20,000 10.50 10.50 11.30
$30,000 14.50 14.50 15.70
$40,000 18.50 18.50 20.10
$50,000 22.50 22.50 24.50
$60,000 26.50 26.50 28.90
$70,000 30.50 30.50 33.30
$80,000 34.50 34.50 37.70
$90,000 38.50 38.50 42.10
$100,000 42.50 42.50 46.50
$150,000 48.50 50.00 51.50
$200,000 63.00 65.00 67.00
$250,000 77.50 80.00 82.50
$300,000 92.00 95.00 98.00
Age Group
40 - 44 45 - 49 50 - 54
Coverage Amount $10,000 8.80 10.90 13.70
$20,000 15.10 19.30 24.90
$30,000 21.40 27.70 36.10
$40,000 27.70 36.10 47.30
$50,000 34.00 44.50 58.50
$60,000 40.30 52.90 69.70
$70,000 46.60 61.30 80.90
$80,000 52.90 69.70 92.10
$90,000 59.20 78.10 103.30
$100,000 65.50 86.50 114.50
$150,000 74.00 95.00 135.50
$200,000 97.00 125.00 179.00
$250,000 120.00 150.00 222.50
$300,000 143.00 186.00 266.00
Age Group
55 - 59 60 - 65 66 - 69
Coverage Amount $10,000 19.30 28.80 42.70
$20,000 36.10 55.10 82.90
$30,000 52.90 81.40 123.10
$40,000 69.70 107.70 163.30
$50,000 86.50 134.00 203.50
$60,000 103.30 160.30 243.70
$70,000 120.10 186.60 283.90
$80,000 136.90 212.90 324.10
$90,000 153.70 239.20 364.30
$100,000 170.50 265.50 404.50
$150,000 191.00 312.50 488.00
$200,000 253.00 415.00 649.00
$250,000 315.00 517.50 810.00
$300,000 377.00 620.00 971.00

How these rates work

Initial premium rate is based on age and gender for all death benefit amounts. Premium rate increases every five years as the insured reaches each new age band (25, 30, 35, 40, 45, 50, 55, 60, 65, 70 and 75). All coverage amounts may not be available to all ages. Renewable to age 80. Premiums are guaranteed by CMFG Life Insurance Company.* Based on your health and other factors affecting your insurability, you may be denied coverage.


For questions, call toll-free 1.855.548.4719

Mon.–Fri. 7 am–9 pm; Sat. 8 am–4 pm (CST)

Your approval for this product is based on your answers to the questions on the application and information we obtain from other sources. TruStage life insurance policies contain specific limitations, exclusions, termination provisions and requirements for keeping them in force. Please see your policy or contact us for details. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed. Product and features may not be available in all states.

Learn more about Term Life Insurance