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20 Year Term Life Insurance in Your Forties (40's)

You've hit your forties, your children are in college, you still have a sizable mortgage on the house, and you are concerned that if you pass away your spouse cannot pay for the kids education and the mortgage on her/his own.

What kind of rates can you get?
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This is when life insurance comes into play. Getting insurance coverage now will guarantee that your children and spouse will be taken care off in case of your death. Their college education will be paid for and the mortgage on your house will be taken care off.



This Is The Perfect Time To Get Coverage!

Life insurance rates are at all time lows, and being in your forties, getting a 20 year policy is very affordable and easy - see pricing tables below.

For example, if you are a man, 45 years old, non-smoker, you'll only pay around $70 per month for $500,000 coverage - that's incredibly cheap!

If you are a woman, 40 years of age, smoker, your average cost per month for a $200,000 policy will be around $40.

See for yourself what kind of rates you can get!

 

 

Examples of 20 year term policy prices if you are in your forties (40-49)

Average costs per month shown

20 year term - Woman (non-smoking)

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
40 Years Old Female $13.21 $21.96 $24.33 $30.98 $37.19 $66.50
41 Years Old Female $14.00 $23.36 $25.73 $32.55 $39.38 $72.63
42 Years Old Female $14.53 $25.11 $27.04 $34.30 $41.56 $77.88
43 Years Old Female $15.23 $26.25 $28.61 $36.40 $44.19 $83.13
44 Years Old Female $16.10 $27.30 $29.93 $38.15 $46.38 $87.50
45 Years Old Female $16.80 $28.35 $32.29 $41.30 $50.31 $95.38
46 Years Old Female $18.11 $32.03 $35.44 $45.50 $55.56 $105.88
47 Years Old Female $19.16 $34.71 $39.64 $51.10 $62.56 $118.82
48 Years Old Female $20.30 $37.38 $43.23 $56.18 $67.20 $128.16
49 Years Old Female $21.44 $40.25 $46.38 $60.38 $73.43 $140.00

 

20 year term - Man (non-smoking)

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
Age 40 Male $14.53 $25.81 $28.00 $35.88 $43.61 $80.99
Age 41 Male $15.31 $28.00 $30.63 $39.38 $47.62 $89.00
Age 42 Male $16.54 $30.36 $33.78 $43.58 $52.07 $97.90
Age 43 Male $17.85 $33.08 $37.19 $48.13 $57.41 $108.58
Age 44 Male $19.16 $35.70 $40.86 $53.03 $64.97 $121.04
Age 45 Male $20.56 $38.50 $44.80 $58.28 $70.31 $131.85
Age 46 Male $21.44 $40.25 $49.00 $63.79 $76.99 $142.65
Age 47 Male $22.49 $42.35 $53.20 $69.04 $83.66 $156.15
Age 48 Male $23.89 $45.15 $57.40 $74.64 $91.23 $168.75
Age 49 Male $25.64 $48.65 $62.39 $81.29 $99.31 $184.05

 

 

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The above term life insurance costs are estimated.
Make sure to get your own personalized quote!

 

20 year term - Woman - smoking

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
40 years of age $22.23 $39.20 $56.18 $73.15 $90.13 $175.00
41 years of age $23.54 $41.83 $60.11 $78.40 $96.69 $188.13
42 years of age $24.85 $44.45 $64.05 $83.65 $103.25 $201.25
43 years of age $26.16 $47.08 $67.99 $88.90 $109.81 $214.38
44 years of age $27.48 $49.70 $71.93 $94.15 $116.38 $227.50
45 years of age $28.88 $52.50 $76.13 $99.75 $123.38 $241.50
46 years of age $31.33 $57.40 $83.48 $109.55 $135.63 $265.35
47 years of age $33.78 $62.30 $90.83 $119.35 $147.88 $290.50
48 years of age $36.23 $67.20 $98.18 $129.15 $160.13 $315.00
49 years of age $38.68 $72.10 $105.53 $138.95 $172.38 $339.50

 

20 year term - Man - smoking

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
40 Year Old Man $29.58 $53.90 $78.23 $102.55 $126.88 $247.25
41 Year Old Man $31.68 $58.10 $84.53 $110.95 $137.04 $264.77
42 Year Old Man $33.86 $62.48 $91.09 $119.61 $147.14 $284.79
43 Year Old Man $35.88 $66.50 $97.13 $127.75 $158.38 $308.35
44 Year Old Man $38.06 $70.88 $103.69 $136.50 $169.31 $333.38
45 Year Old Man $40.16 $75.08 $109.99 $144.90 $179.81 $354.38
46 Year Old Man $44.71 $84.18 $123.64 $163.10 $202.46 $394.48
47 Year Old Man $49.18 $93.10 $135.66` $177.35 $219.03 $427.44
48 Year Old Man $53.73 $101.32 $146.54 $191.76 $236.98 $463.09
49 Year Old Man $58.28 $109.43 $158.62 $207.81 $257.00 $502.96

 

 

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