How Much Does A $800k Life Insurance Policy Cost?

$800,000 no exam, term life and whole life

Brian McHale last updated on March 22, 2024

A $800k ($800,000) life insurance policy is a popular amount of coverage in the United States today. Life insurance proceeds are income tax free, therefore a $800,000 policy is the ideal amount of coverage for many are looking for to replace their income or cover outstanding debts such as a mortgage in the event of a premature death.

$800k life insurance is ideal for:

Income protection
Mortgage protection
Pay off outstanding debts
Pay off education loans
Estate Planning
Peace of mind
Final expenses

Below are the best $800k term life insurance rates for a 10, 15, 20, 25, 30, 35 and 40 year level (fixed) term for the four main health classification classes, Preferred Plus, Preferred, Standard Plus and Standard.

Sample Rates for $800k 10-Year Term

Below are the sample monthly rates for a $800,000 10-year level term life insurance policy for the four main health classes.

Age	Preferred Plus	Preferred	Standard Plus	Standard
25	$16	$22	$31	$36
30	$16	$22	$31	$37
35	$18	$24	$31	$37
40	$24	$31	$45	$52
45	$40	$51	$69	$77
50	$60	$76	$108	$123
55	$104	$123	$164	$194
60	$172	$199	$266	$299
65	$295	$362	$461	$530
70	$496	$635	$818	$938
75	$1,006	$1,213	$1,505	$1,825

_{$800k 10 Year Term Rate Chart by Age and Health Class}

Sample Rates for $800k 15-Year Term

Below are the sample monthly rates for a $800,000 15-year level term life insurance policy for the four main health classes.

Age	Preferred Plus	Preferred	Standard Plus	Standard
25	$18	$25	$36	$42
30	$18	$25	$37	$42
35	$21	$27	$37	$45
40	$28	$41	$52	$64
45	$51	$60	$87	$100
50	$80	$94	$134	$157
55	$130	$164	$215	$248
60	$225	$267	$353	$401
65	$403	$485	$641	$768
70	$755	$920	$1,154	$1,420
75	$1,867	$2,106	$2,582	$2,643

_{$800k 15 Year Term Rate Chart by Age and Health Class}

Sample Rates for $800k 20-Year Term

Below are the sample monthly rates for a $800,000 20-year level term life insurance policy for the four main health classes.

Age	Preferred Plus	Preferred	Standard Plus	Standard
25	$24	$32	$42	$46
30	$25	$33	$42	$50
35	$27	$36	$49	$57
40	$42	$52	$69	$83
45	$68	$82	$114	$133
50	$106	$128	$181	$200
55	$175	$207	$277	$343
60	$320	$355	$491	$569
65	$603	$706	$895	$1,138
70	$1,259	$1,842	$1,691	$1,744
75	NA	NA	NA	NA

_{$800k 20 Year Term Rate Chart by Age and Health Class}

Sample Rates for $800k 25-Year Term

Below are the sample monthly rates for a $800,000 25-year level term life insurance policy for the four main health classes.

Age	Preferred Plus	Preferred	Standard Plus	Standard
25	$32	$45	$58	$69
30	$35	$46	$61	$71
35	$40	$50	$72	$81
40	$62	$73	$106	$120
45	$98	$119	$164	$195
50	$160	$191	$249	$308
55	$293	$335	$442	$485
60	$604	$660	$819	$852
65	$1,055	$1,142	$1,305	$1,306
70	NA	NA	NA	NA
75	NA	NA	NA	NA

_{$800k 25 Year Term Rate Chart by Age and Health Class}

Sample Rates for $800k 30-Year Term

Below are the sample monthly rates for a $800,000 30-year level term life insurance policy for the four main health classes.

Age	Preferred Plus	Preferred	Standard Plus	Standard
25	$39	$51	$67	$68
30	$42	$56	$72	$91
35	$50	$60	$87	$102
40	$74	$88	$124	$145
45	$118	$143	$197	$233
50	$195	$234	$328	$376
55	$362	$437	$564	$589
60	NA	NA	NA	NA
65	NA	NA	NA	NA
70	NA	NA	NA	NA
75	NA	NA	NA	NA

_{$800k 30 Year Term Rate Chart by Age and Health Class}

Sample Rates for $800k 35-Year Term

Below are the sample monthly rates for a $800,000 35-year level term life insurance policy for the four main health classes.

Age	Preferred Plus	Preferred	Standard Plus	Standard
25	$48	$63	$87	$109
30	$53	$69	$92	$113
35	$62	$75	$112	$127
40	$94	$110	$160	$181
45	$150	$179	$255	$292
50	NA	NA	NA	NA
55	NA	NA	NA	NA
60	NA	NA	NA	NA
65	NA	NA	NA	NA
70	NA	NA	NA	NA
75	NA	NA	NA	NA

_{$800k 35 Year Term Rate Chart by Age and Health Class}

$800k term life insurance rate calculator - estimate prices

Sample Rates for $800k 10-Year Term No Medical Exam

Below are the sample monthly rates for a $800,000 10-year level term life insurance no medical exam policy for the four main health classes.

Age	Preferred Plus	Preferred	Standard Plus	Standard
25	$19	$24	$33	$37
30	$19	$24	$33	$37
35	$22	$27	$34	$39
40	$29	$38	$49	$52
45	$41	$53	$71	$85
50	$63	$82	$110	$132
55	$106	$127	$168	$208
60	$175	$203	$272	$319

_{$800k No Exam 10 Year Term Rate Chart by Age and Health Class}

Sample Rates for $800k Whole Life Insurance

Below are the sample monthly rates for a $800,000 whole life insurance policy for the four main health classes.

Age	Preferred Plus	Preferred	Standard Plus	Standard
25	$249	$261	$273	$282
30	$291	$312	$325	$339
35	$340	$367	$406	$412
40	$405	$444	$509	$504
45	$496	$533	$598	$598
50	$625	$675	$765	$765
55	$796	$840	$964	$964
60	$1,044	$1,100	$1,270	$1,270
65	$1,412	$1,453	$1,700	$1,700
70	$1,944	$2,028	$2,398	$2,496
75	$2,691	$3,013	$3,287	$3,378

_{$800k Whole Life Insurance (Permanent Life Insurance) Rate Chart by Age and Health Class}

The rates in the tables above are from some of the nation’s top life insurance companies: Pacific Life, Protective Life, Banner Life, Symetra Life, Transamerica, Ethos and SBLI. To see how much a $150k term life insurance policy, no medical exam or whole life insurance (permanent life insurance) will cost you please use our instant quote engine.

Wrap Up

The best rates for a $800k life insurance policy can be very affordable if you select the right carrier based on your age and health. Each life insurance company in the United States has their own underwriting guidelines and rates so it’s important to compare rates from several top insurers to make sure you are receiving the best deal. This will allow you to stretch your life insurance dollar to get the most coverage at the best price.

Instant $800K Life Insurance Quotes

Not Sure Which Life Insurance Health Class You Qualify For?

Take a look at our articles on the four main life insurance rate (health) classes:

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