How Much Does Life Insurance Cost For A 30 Year Old? 
$ 250,000 of 30 year Term costs between $ 20/mo -LRB- best health rating -RRB- and $ 40/mo -LRB- standard health rating -RRB- for a 30 year old male nonsmoker . If getting No Exam insurance , $ 100,000 would cost about that much . Shorter Terms and lower face amounts cost less . Permanent and higher face amounts cost more . Health conditions can make the policy proportionately higher . Serious health problems can cause restrictions on the type of policy one can get . 