Insurance Pricing
I Was Quoted $100+ a Month for Life Insurance—Is That Normal?
July 15, 2025
4 min read
If you've been shopping for life insurance and were quoted over $100/month, you might be wondering—is this normal?
The answer is: sometimes yes, but often no.
Let's unpack what could be going on and what you can do about it.
Why Some Quotes Are Higher Than Expected
There are a few reasons you might receive a high quote:
- You're being offered the wrong type of policy (like term instead of final expense)
- The carrier isn't a good match for your health profile
- You're applying at an older age, where rates naturally increase
But most commonly, you may be working with an agent who only represents 1–2 companies. That means you're not seeing the full range of pricing available.
What's a Fair Monthly Price?
For a $10,000 final expense policy, a healthy non-smoking senior may see quotes like:
- $45–$60/month at age 70
- $60–$85/month at age 75
- $90–$130/month at age 80
If your quote is far above that, it's worth getting a second opinion.