Start with the gap
Subtract savings and existing coverage from the obligations and income needs you want to protect.
$500,000 coverage
Shop $500,000 life insurance with the key choices already in view
$500,000 may be appropriate for some households and too much or too little for others. Compare the amount with income needs, debts, future expenses, existing coverage, and the premium your budget can support.
Reviewed for clarity and compliance · September 2026
Term changes the cost
A 10-year and 30-year policy with the same benefit can have meaningfully different premiums.
Health details matter
Carriers assess risk differently. An estimate becomes an offer only after the applicable underwriting review.
Ready to make this specific to you?
Use your age, state, coverage amount, term, tobacco use, and general health to create a more useful starting point.
Start my comparisonCommon questions
What shoppers ask
How much does $500,000 of life insurance cost?+
There is no single price. Age, sex where used for rating, state, term, tobacco or nicotine use, health, and carrier rules affect the rate.
Is $500,000 enough coverage?+
It depends on your household. Consider income replacement, debts, education or care costs, final expenses, existing coverage, and available assets.