Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 19, 2021

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The Brief

  • Legally, to buy life insurance for siblings, you must have their consent and prove insurable interest
  • Insurable interest means you’d suffer financially if your sibling passes away
  • Your sibling’s age, gender, medical history, current health, and lifestyle choices affect their life insurance costs

To buy life insurance for siblings, you need their consent and proof of insurable interest.

Below, compare sample life insurance rates and determine if purchasing your sister or brother insurance is worthwhile.

Compare life insurance quotes for siblings right now by entering your ZIP code into our free rate tool above.

What are the average life insurance rates for siblings?

In general, the average cost of life insurance is $26 per month. However, life insurance rates for siblings vary based on their age, gender, and health.

The table below compares average monthly life insurance premiums for a policy with a $250,000 death benefit at different term lengths.

Average Monthly Life Insurance Rates for Siblings by Term Length and Gender
AgeFemale Average Monthly Rates 10-Year TermMale Average Monthly Rates 10-Year TermFemale Average Monthly Rates 20-Year TermMale Average Monthly Rates 20-Year TermFemale Average Monthly Rates 30-Year TermMale Average Monthly Rates 30-Year Term
25-years-old$9.31$10.25$11.22$12.74$15.28$18.27
30-years-old$9.31$10.37$11.41$12.83$16.47$19.25
35-years-old$9.77$10.61$11.83$13.45$18.72$21.69
40-years-old$11.62$12.68$15.15$18.02$24.07$29.00
45-years-old$15.51$17.41$22.16$27.39$34.70$44.58
50-years-old$20.74$24.31$30.66$39.90$52.40$68.97
55-years-old$29.03$37.57$47.87$62.49$92.40$128.52
60-years-old$41.73$59.38$76.93$106.67N/AN/A
65-years-old$66.52$103.91$134.30$200.43N/AN/A
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To find the best life insurance company for siblings near you, do your research and compare quotes from providers online.

Term life insurance is often the least expensive option, but not every person will qualify for this type of coverage.

Whole life insurance costs more and does not expire, but age limits sometimes apply.

If your sibling is older with no dependents or debts, consider investing in final expense insurance to pay for funeral and burial costs.

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How do you buy life insurance for your sibling?

Can you take out a life insurance policy on another person, like your brother or sister?

Fortunately, you can, but you must have:

  • The consent of the other person
  • Proof of insurable interest

Insurable interest means you’d suffer financially if the other person passes away. Siblings who cosign loans for one another, become business partners, or are caretakers have an insurable interest.

However, many companies allow you to purchase policies for blood relatives with just their consent.

The U.S. Department of Health and Human Services defines consent as a written form expressing permission for the underwriter to access your sibling’s medical records.

Your brother or sister also needs to help you accurately fill out the application questions and agree to a medical examination.

Life Insurance For Siblings: The Bottom Line

Depending on your relationship with your siblings, it might make sense to take out a life insurance policy on them.

As long as you have their consent and proof of insurable interest, you’ll quickly secure coverage.

Find affordable life insurance for siblings right now by entering your ZIP code into our free quote tool below.