How Much Does Life Insurance Cost For A 20 Year Old? 
Of course , how much life insurance costs for a 20 year old depends on how much life insurance the 20 year old is purchasing , how long they want the premium to be locked in , whether they have any health problems , and if they want to purchase a policy that requires an exam or goes with a quick policy requiring no medical exam . For a very healthy nonsmoker at age 20 , who is purchasing $ 100,000 of 30 year level Term without having to take an exam , the price is about $ 25/month . This is much less if you take an exam . 