How Much Does Term Life Insurance Cost For A 65 Year Old? 
The cost of Term Life Insurance for a 65 year old will depend on the following : 1 -RRB- The gender of the applicant . At age 65 , men pay much higher premiums than women . 2 -RRB- The length of the term . There is a big difference between the price of 10 year Term and 20 year Term at age 65 because mortality rates rise so much as we age . 3 -RRB- The health of the applicant . Health conditions can make a huge difference in premium . For a 65 year old woman in excellent health , a 10 year term policy of $ 100,000 can cost as little as $ 35/mo . For a male of the same health , the rates jump up about $ 20/mo . For a 65 year old male with standard health , that same policy would cost about $ 90/mo . If you extend it to 20 year term , the price is nearly double . Shopping among multiple carriers can be of great benefit at age 65 , because the variances in premium are greater than when you were younger . Some companies even give preferential underwriting to older persons . Please feel free to contact me if you would like me to research your best rate from the many companies we carry . 