JobZakfWhat this tool answers
Estimate a monthly term life premium by age, smoker status, term length and cover amount. It runs entirely in your browser, so nothing you enter is stored or sent.
How it works
The model rises about 7.5% per year of age, adds a smoker loading and adjusts for term length. Use it to compare scenarios, then get quotes.
Frequently asked questions
Is this a real quote?
No. It is an illustrative model using typical age and smoker curves. Real prices depend on health, insurer and country.
Why do smokers pay more?
Insurers price higher mortality risk, so smoker rates are commonly two to three times non-smoker rates.
ZS
Written and reviewed by Zain Shah, Founder and Editor. Updated October 2026. How we write.