Insurance Age Calculator
Calculate your insurance age using the "age nearest birthday" convention many insurers use.
How This Works
Many life insurance policies price premiums using "age nearest birthday" instead of your exact age. If you're more than 6 months past your last birthday (closer to your next one), your insurance age rounds up by one year; otherwise it stays at your last birthday age.
Formula
Example
Someone who turned 40 four months ago has an insurance age of 40 (closer to their last birthday). Someone who turned 40 eight months ago has an insurance age of 41 (closer to their next birthday).
Frequently Asked Questions
What is the insurance age for someone born May 14, 1990?
Their insurance age is 36 (actual age 36y 3m), using the age nearest birthday convention.
Do all insurers use "age nearest birthday"?
No — some use "age last birthday" (your exact age in whole years) instead. Check your specific policy or insurer's convention.