How Much Does A 2 Million Life Insurance Policy Cost? 
A two million dollar life insurance policy can be purchased for $ 40 per month . But only if you are a perfectly healthy 21 year old non-smoker . And that rate will only be guaranteed for 10-years . Life insurance is sold at different prices to different people . No two people have the same health history , gender , smoking status , family history , etc. . Plus you may only need your term life policy for 2 -- years and your twin brother may want his for his entire lifetime . That will greatly affect the price . 