Insurance Cost by Age Calculator
See how insurance costs typically change as you age across different coverage types.
Insurance premiums generally increase with age, particularly for life and health coverage. This calculator projects how your combined insurance costs might change over time using typical age-based rating factors. Life insurance costs rise steadily with age due to increasing mortality risk. Health insurance premiums also increase, though marketplace plans have limited age rating. This tool helps illustrate the benefit of locking in coverage earlier.
Calculator
$
$
Premium Increase
68%
Life Premium (Current)
$400/mo
Life Premium (Projected)
$700/mo
Health Premium (Current)
$400/mo
Health Premium (Projected)
$640/mo
Total Monthly (Current)
$800
Total Monthly (Projected)
$1340
Common use cases
- Uses simplified linear age factors, not actual actuarial tables
- Life insurance may become unaffordable or unavailable at older ages
- Health insurance age rating is limited in ACA marketplace plans
- Does not account for health changes or policy renewability
This tool provides general informational estimates and is not insurance advice or a quote.