Life Insurance Annual Premium Rates Table Annual Premium Rates* Per $1000 of Life Insurance 10-Year level Age Premium Term Whole Life Universal Life 20-Pay Life 20 1.60 4.07 3.48 12.30 21 1.65 4.26 3.85 12.95 22 1.69 4.37 4.10 13.72 23 1.73 4.45 4.56 14.28 24 1.78 4.68 4.80 15.95 25 1.82 5.06 5.11 16.60 30 1.89 5.66 6.08 18.78 35 2.01 7.68 7.45 21.60 40 2.56 12.67 10.62 24.26 45 3.45 19.86 15.24 28.16 50 5.63 26.23 21.46 32.59 55 8.12 31.75 28.38 38.63 60 14.08 38.42 36.72 45.74 For women, subtract 5 years from the actual age. For example, rates for a 30-year-old woman are shown for age 25 in the table