The cost of a $100,000 dollar life insurance policy depends on your age, gender, location, the type of life insurance policy, and how long you want the coverage to last. A 30-year-old non-smoking male in Wilmington, Delaware would pay about $8 a month for a $100,000 life insurance policy lasting 10 years, $12 a month for a policy lasting 30 years, and $67 a month for a policy lasting his entire life, according to quotes from Quotacy. Life insurance costs more as you get older. For a $100,000 life insurance policy lasting 10 years, a 40-year-old male would pay $8.50 a month, a 50-year-old would pay $14 a month, and a 60-year-old would pay $30 a month. You also owe more if you smoke and have health issues. You need to apply with an insurer to see exactly how much a $100,000 dollar life insurance policy would cost for you.