United Kingdom term life insurance rates by age (2026)
UK term life insurance is gender-neutral by law, so men and women pay the same. This table shows average monthly premiums for a healthy non-smoker on a 25-year level term policy, by age and cover amount (2026).
| Age | £100,000 | £250,000 | £500,000 |
|---|---|---|---|
| 30 | £4.50/mo | £11.00/mo | £22.00/mo |
| 35 | £7.03/mo | £14.90/mo | £27.74/mo |
| 40 | £9.55/mo | £18.79/mo | £33.47/mo |
| 45 | £14.28/mo | £32.89/mo | £63.24/mo |
| 50 | £19.00/mo | £47.00/mo | £93.00/mo |
Healthy non-smoker. Updated June 13, 2026. Estimate your own rate →
How this estimate is calculated
UK level term life is gender-neutral by law (one unisex rate). Figures are average monthly premiums for a healthy non-smoker on a ~25-year level term from 2026 UK comparison sources; £250k/£500k at ages 30 and 50 are scaled from published anchors. Decreasing-term and over-50 plans are priced differently. Authoritative bodies: FCA, ABI.
See our full methodology for assumptions, limits and the 2026 data used.
Sources
- MyTribe Insurance — How Much Life Insurance Costs in the UK (2026 prices) (2026)
- Insurance Hero — Average Cost of Life Insurance Per Month (2026) (2026)
- Association of British Insurers (ABI) — UK protection insurance statistics (2026)
- Written by
- Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
- Verified
- Every figure checked against its cited primary source
- Last updated
- June 13, 2026
- Standards
- Editorial policy
This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.