What Is The Average Cost Of Whole Life Insurance? 
All premium quotes are dependent on the final underwriting outcome based on health , gender and age of the proposed insured . Heres an example , more of a rule thumb . Participating Whole Life Insurance purchased as a base policy with no riders is generally 20 % over its guaranteed universal life -LRB- GUL -RRB- counterpart . A 30 year old male nonsmoking with super preferred health covering $ 100,000 of GUL is averages around $ 550 annually with the top 25 the leading life insurance companies . The average participating whole life policy should come in around $ 675 annually . Always check the rate quoted by any online life insurance service to confirm the cost before moving forward . 