Whole Life Insurance For Age 30, 35, 40, 45, 50, 55, 60, 65, 70, 75, non-smoker and smokers.


Rates last updated: 26 October 2021

We have calculated whole life insurance quotes for ages 30, 35, 40, 45, 50, 55, 60, 65, 70 and 75 for both non-smokers and smokers (that's those that have used any form of tobacco or e-cigarette within the last 12 months), in this ready reckoner table to give you a really quick way to determine what cover level will suit your budget.

Of course, there is no substitute for getting your personalised whole life insurance quote right now using up to date rates and it only takes about 20 seconds to complete.

Ready reckoner for Whole Life Insurance For Ages 30 – 75 (fixed monthly premiums)

Whole Life CoverAge 30 NonSmokerAge 30 SmokerAge 35 NonSmokerAge 35 SmokerAge 40 NonSmokerAge 40 SmokerAge 45 NonSmokerAge 45 SmokerAge 50 NonSmokerAge 50 Smoker
Last Updated: 26 October 2021 (Source: PayingTooMuch.com)

Whole Life CoverAge 55 NonSmokerAge 55 SmokerAge 60 NonSmokerAge 60 SmokerAge 65 NonSmokerAge 65 SmokerAge 70 NonSmokerAge 70 SmokerAge 75 NonSmokerAge 75 Smoker
Last Updated: 26 October 2021 (Source: PayingTooMuch.com)

Whole life insurance can provide valuable peace of mind at any age as it’s the only type of life insurance that guarantees to payout whenever you die as it never runs out. For many this offers much better value for money compared to term life insurance which is unlikely to payout in most cases.

Link Your Life Insurance To Inflation

With whole of life insurance you can link the cover level to inflation so no matter what age you die the cover will still be meaningful after having accounted for inflation.

Inflation increases in the cover mean the amount paid out will slowly rise over time which maintains its buying power. These increases are not subject to additional health checks by the insurer and therefore represent a really good way to protect your family and provide peace of mind in the future.