Pennsylvania Life Insurance

Last Updated on September 17, 2020 by Andrew Lee

One of the smartest moves you can make when buying life insurance is to first know how much coverage will cost someone of your age, gender, health, and lifestyle. Learning more about the factors insurance companies take to determine your rates can help you have a clearer picture of what your potential premiums. The tables below show premiums projections for Harrisburg, Pennsylvania consumers. Use them to come up with a basis for monthly cost comparison.

Estimated Monthly Premiums
Harrisburg, PA 17025
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


From the estimates above, you’ll immediately notice that women enjoy better premiums than men within the same methodology group. Comparing the premiums of the non-smokers according to age and gender, you’ll see that 30-year-old women have yearly premiums about $78 less than their male peers. For smokers, the difference is nearly $204 a year. For those in their 40s or 50s, expect female non-smokers to pay a yearly average of about $311 less than male non-smokers of the same age.

More coverage but the shorter insured period

Of course, the policy value and term you’ll choose will also dictate your premiums. So if you want to purchase a greater amount, say at $500,000, but only keep the policy enforced for 20 years, this is how your monthly expenses will look:

Estimated Monthly Premiums
Harrisburg, PA 17025
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


Because age is the number one determiner of premiums, buying when you’re already an “established adult” will cost you more. Note that there’s almost a $56 difference in the monthly premiums of the younger and the older, non-smoking male group. For women, the difference is a little more than $46.

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More life insurance help

Becoming insured at a younger age comes with several benefits. There’s obviously the lower premiums. More importantly though, is the security and protection it gives you and your loved ones, as you can never tell what unfortunate incident may happen in the future.

Just remember to purchase your policy from a company the Pennsylvania Insurance Department verifies as licensed. This way, your beneficiaries won’t have that much trouble filing a claim once the need arises.