25-50 Million Dollar Life Insurance Policy Cost 2021

Best rates in country for life insurance policies between $25 million to $50 million

If you’re in the market for a $25 million to $50 million life insurance policy and want to know which companies have the best rates in the country then you came to the right place.

In this guide, we’ll go over everything you need to know in order to receive the best rates and show you how to choose the right company based on your age and health for a $25,000,000 to a $50,000,000 life insurance policy.

We’ll also provide sample rates to illustrate the 25-50 million dollar life insurance policy cost from the nation’s top life insurance companies.

$25-$50 Million Life Insurance Policy Is Most Commonly Used For:

Estate Planning (Cover estate states- federal and local)

Debt Protection (such as for a mortgage or business debts)

Income Replacement

Business Succession

Business Partnership

Key Person (Key Man) Coverage

Buy-Sell Agreement

Stock Redemption

Divorce Agreement

Charitable Bequests


An irrevocable life insurance trust (ILIT) is commonly used for estate tax savings $25 million to $50 million policies
An irrevocable life insurance trust (ILIT) is commonly used for estate tax savings for a $25-$50 million life insurance policy.


Life insurance proceeds are income tax free. However, if your estate is in excess of the federal $11.7 million for single individuals or $23.4 million for couples threshold in 2021, it will be subject to taxes unless properly structured in an irrevocable life insurance trust, ILIT.

Brian, CEO of PolicyMutual.com

Why Life Insurance

A $25-$50 million life insurance policy will provide instant liquidity for your beneficiary: trust, spouse, children, heirs, business, company or charity when you pass away. And it does this all by providing dollars for pennies apiece.

How Much Does a $25 Million Life Insurance Policy Cost?

Let’s take a look at exactly how much a 25 million dollar term life insurance policy costs. These rates are for a 40-year old male, in excellent health.

Term Life Insurance

Coverage AmountInsurance CompanyPremium
$25 MillionLincoln Financial$512 month
$25 Million Principal$538 month
$25 Million Nationwide$553 month
$25 Million Pacific Life$568 month
$25 Million North American Life$577 month
$25 Million Transamerica$583 month
$25 Million Protective Life$599 month
$25 Million AIG $605 month
$25 Million MassMutual$616 month
$25 Million State Farm$986 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, on a 10-year level term.)

Permanent Life Insurance

Let’s take a look at exactly how much a 25 million dollar permanent life insurance policy costs. These rates are for a 40-year old male, in excellent health.

Coverage Amount Insurance Company Premium
$25 Million American National Life$13,152 month
$25 Million Nationwide$13,990 month
$25 Million North American Life$14, 755 month
$25 Million Cincinnati Life $16,214 month
$25 Million Protective Life$16,374 month
$25 Million AIG$19,385 month
$25 Million Lincoln Financial$21,740 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, for a guaranteed universal life policy (GUL) fixed to age 121.)

How Much Does a $30 Million Life Insurance Policy Cost?

Let’s take a look at exactly how much a 30 million dollar term life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $30 Million 10-year term life insurance policy can cost as low as $7,319 in annual premiums

Term Life Insurance

Coverage Amount Insurance Company Premium
$30 MillionLincoln Financial$614 month
$30 Million Principal$645 month
$30 Million Nationwide$662 month
$30 Million Pacific Life$680 month
$30 Million North American Life$692 month
$30 Million Transamerica$699 month
$30 Million Protective Life$718 month
$30 Million AIG$725 month
$30 Million MassMutual$738 month
$30 MillionState Farm$1,182 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, on a 10-year level term.)

Permanent Life Insurance

Let’s take a look at exactly how much a 30 million dollar permanent life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $30 Million guaranteed universal life policy (GUL) fixed to age 121 cost as low as $185,120 in annual premiums
Coverage Amount Insurance Company Premium
$30 Million American National Life$15,783 month
$30 Million Nationwide$16,788 month
$30 Million North American Life$17,705 month
$30 Million Cincinnati Life$19,454 month
$30 Million AIG$23,262 month
$30 Million Lincoln Financial$26,088 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, for a guaranteed universal life policy (GUL) fixed to age 121.)

How Much Does a $35 Million Life Insurance Policy Cost?

Let’s take a look at exactly how much a 35 million dollar term life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $35 Million 10-year term life insurance policy can cost as low as $8,314 in annual premiums

Term Life Insurance

Coverage Amount Insurance Company Premium
$35 MillionLincoln Financial$715 month
$35 Million Principal$751 month
$35 Million Nationwide$772 month
$35 Million Pacific Life$793 month
$35 Million North American Life$806 month
$35 Million Transamerica$815 month
$35 Million Protective Life$837 month
$35 Million AIG$845 month
$35 Million MassMutual$860 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, on a 10-year level term.)

Permanent Life Insurance

Let’s take a look at exactly how much a 35 million dollar permanent life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $35 Million guaranteed universal life policy (GUL) fixed to age 121 cost as low as $215,973 in annual premiums
Coverage Amount Insurance Company Premium
$35 MillionAmerican National Life$18,413 month
$35 Million Nationwide$19,586 month
$35 Million North American Life$20,655 month
$35 Million Cincinnati Life$22,695 month
$35 Million Protective Life$22,923 month
$35 Million AIG$27,139 month
$35 MillionLincoln National$30,437 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, for a guaranteed universal life policy (GUL) fixed to age 121.)

How Much Does a $40 Million Life Insurance Policy Cost?

Let’s take a look at exactly how much a 40 million dollar term life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $40 Million 10-year term life insurance policy can cost as low as $9,489 in annual premiums
Coverage Amount Insurance Company Premium
$40 MillionLincoln Financial$816 month
$40 Million Principal$857 month
$40 Million Nationwide$881 month
$40 Million Pacific Life$906 month
$40 Million North American Life$920 month
$40 Million Transamerica$931 month
$40 Million Protective Life$955 month
$40 Million AIG$965 month
$40 Million MassMutual$982 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, on a 10-year level term.)

Permanent Life Insurance

Let’s take a look at exactly how much a 40 million dollar permanent life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $40 Million guaranteed universal life policy (GUL) fixed to age 121 cost as low as $246,827 in annual premiums
Coverage Amount Insurance Company Premium
$40 MillionAmerican National$21,044 month
$40 Million Nationwide$22,384 month
$40 Million Cincinnati Life $25,936 month
$40 Million Protective Life$26,198 month
$40 Million AIG$31,016 month
$40 Million Lincoln Financial$34,785 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, for a guaranteed universal life policy (GUL) fixed to age 121.)

Much Does a $45 Million Life Insurance Policy Cost?

Let’s take a look at exactly how much a 45 million dollar term life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $40 Million 10-year term life insurance policy can cost as low as $10,664 in annual premiums
Coverage Amount Insurance Company Premium
$45 MillionLincoln National$917 month
$45 Million Principal $964 month
$45 Million Nationwide$990 month
$45 Million Pacific Life$1,018 month
$45 Million North American Life$1,035 month
$45 Million Transamerica$1,047 month
$45 Million Protective Life$1,074 month
$45 Million AIG$1,085 month
$45 Million MassMutual$1,104 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, on a 10-year level term.)

Permanent Life Insurance

Let’s take a look at exactly how much a 45 million dollar permanent life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $45 Million guaranteed universal life policy (GUL) fixed to age 121 cost as low as $277,680 in annual premiums
Coverage Amount Insurance Company Premium
$45 MillionAmerican National$23,674 month
$45 Million Nationwide$25,182 month
$45 Million Cincinnati Life $29,177 month
$45 Million Protective Life$29,473 month
$45 Million AIG$34,893 month
$45 Million Lincoln National$39,133 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, for a guaranteed universal life policy (GUL) fixed to age 121.)

How Much Does a $50 Million Life Insurance Policy Cost?

Let’s take a look at exactly how much a 50 million dollar term life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $40 Million 10-year term life insurance policy can cost as low as $11,839 in annual premiums
Coverage Amount Insurance Company Premium
$50 MillionLincoln Financial$1,018 month
$50 Million Principal $1,070 month
$50 Million Nationwide$1,100 month
$50 Million Pacific Life$1,131 month
$50 Million North American Life$1,149 month
$50 Million Transamerica$1,163 month
$50 Million Protective Life$1,193 month
$50 Million AIG$1,205 month
$50 Million MassMutual$1,226 month
$50 MillionState Farm$1,966 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, on a 10-year level term.)

Permanent Life Insurance

Let’s take a look at exactly how much a 50-million dollar permanent life insurance policy costs. These rates are for a 40-year old male, in excellent health.

  • A $50 Million guaranteed universal life policy (GUL) fixed to age 121 cost as low as $308,534 in annual premiums
Coverage Amount Insurance Company Premium
$50 Million American National $26,305 month
$50 Million Nationwide $27,980 month
$50 Million Cincinnati Life $32,417 month
$50 Million Protective Life $32,478 month
$50 Million AIG $38,771 month
$50 Million Lincoln Financial $43,481 month

(Rates in the table are for a 40-year old male, D.O.B 2/5/1981, in excellent health, for a guaranteed universal life policy (GUL) fixed to age 121.)

Agent Tip: It’s important to choose a financially strong company. We only recommend companies that have received an ‘Excellent’ or ‘Superior’ rating from the preeminent life insurance rating agency A.M. Best.

Underwriting

When securing a $25 to $50 million life insurance policy it’s very important to choose the right company based on your health and lifestyle. Each life insurance company has their own underwriting guidelines and will underwrite you differently.

Just a few extra pounds on the build chart, any medications, health conditions, family history, driving record, avocations all can affect which company is going to offer the best rate.  

Choosing the life insurance company that will offer you the best rate based on your underwriting profile can save you tens of thousands if not hundreds of thousands of dollars over the lifetime of a $25 million to $50 million policy.

What Is The Process To Get Approved?

The underwriting process for a $25 million up to $50 million policy is similar as if you were applying a much smaller policy. Most companies will require a 30-minute no-cost paramed exam with a resting EKG (can be done at your home, work or you can go to their office) and the underwriter will request your medical records from your physician. Also, you most companies will have complete a financial questionnaire to illustrate you qualify for the larger policy.

As you can see, qualifying for a larger $25 million-$50 million policy is not much more laborious then applying for a $1 million policy.

Instant Rate Quotes

To see how much a 25 million-50 million life insurance policy cost you based on your age and health, you can use our instant quote engine. The quoter goes up to $10 million but the rates are fairly linear if you multiply to the coverage you are seeking for term life insurance.

Get Personalized Quotes From The Nation’s Top Companies

Being independent, our job is to shop the market to find you the best priced policy from the top highly rated life insurance companies such as: AIG, Pacific Life, Lincoln Financial, Principal, Nationwide, North American Life, Transamerica, Protective Life, Sagicor, Securian Financial, American National, SBLI, Mutual of Omaha, John Hancock, Cincinnati Life, Banner Life and Prudential.

We save you time and money by placing you with the best priced carrier. With access to the rates from the nation’s top life insurance companies, coupled with our extensive knowledge and access to the life insurance underwriting guidelines, we always get you the be best price.

No longer are the days where you have to call each life insurance company individually or meet with an agent from each company at your kitchen table to receive a quote from each of the top carriers.


Let Us Do The Shopping From These Top Companies To Find You The Best Rate!

As a high-net worth life insurance broker that specializes in placing large polices for: estate planning, key person coverage, buy-sell agreements, business succession coverage, business partnerships coverage, family protection, income replacement, debt protection, divorce agreements and charitable bequests we will shop the market to find the best rate in the country for your specific profile.

Give us a call: (888) 676-5429, send us an email: info@policymutual.com or you can send a request using our contact form and will shop the market and provide you with the best quotes for term and permanent insurance for a $25 million – $50 million life insurance policy. Instant Quoter

*Please consult your accountant and attorney for any tax or legal advice.

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