North Dakota Life Insurance

Last Updated on September 17, 2020 by Andrew Lee

Because life insurance is a long-term contract, you should arm yourself with the knowledge of how much it can potentially cost you. This way, you won’t have difficulties in making your payments towards it. Use the tables below depicting the estimated monthly premiums of Bismarck, North Dakota consumers.

Estimated Monthly Premiums
Bismarck, ND 58501
Policy: $200K
Duration: 30 Years

Age & Gender Smokers  Non-Smokers
 30 Yr Old Male  $55.65 – $91.53 $19.17 – $45.45
45 Yr Old Male $167.65 – $230.87 $39.36 – $125.94
 30 Yr Old Female $40.42 – $72.88 $16.35 – $35.34
 45 Yr Old Female $117.34 – $176.49 $30.89 – $82.53


Non-smoking males in their 20s or 30s can expect a monthly premiums average of around $32.31, but they can still find a policy with these features for as low as $20 a month. Non-smoking women of the same age can expect to pay less, with their monthly premiums averaging at $25.85. If you’re already an established adult, expect your premiums to more than double.

Bigger policy value for a shorter insured period

Say you want a policy to only come with a 20-year term, but with a much bigger payout at $500,000. Your premiums may look something like any of these:

Estimated Monthly Premiums
Bismarck, ND 58501
Policy: $500K
Duration: 20 Years

Age & Gender Smokers  Non-Smokers
 30 Yr Old Male  $72.62 – $133 $20.36 – $58.05
45 Yr Old Male $213.94 – $430.30 $50.06 – $138.95
 30 Yr Old Female $59.50 – $115.40 $17.93 – $44.90
 45 Yr Old Female $154.32 – $296 $39.48 – $116.10


This type of policy is common among established adults because many of them already have strong financial foundations. This is also popular among households with college students. Just keep in mind that the shorter the term, the higher the premiums. But if you know that 20 years is enough for your loved ones to become self-supporting, then this is an ideal choice.

Find the Best Life Insurance

Compare Term & Whole Life Insurance Options:

More life insurance help

From both tables, you’ll already realize just how big of a factor age is. Get a policy while you’re still young so you can enjoy better premiums. However, smoking defeats the purpose of trying to save, as this unhealthy habit will make your rates go up drastically. And don’t think that electronic cigarettes or nicotine patches and gums won’t influence your costs, because they will still do.

Last, but not the least, make sure that you obtain your insurance only from a licensed provider. The North Dakota Insurance Department can help you verify this.