30 Year Term Life Insurance

People in their forties (40s)

Being in your forties is still a great age to get life insurance. You are young enough that your rates will be very affordable, you, most likely, don't have any major health issues, and, you can get approved for longer insurance terms. Check out your rates below.

 

Examples of 30 year term policy prices if you are in your forties (40-49).

Average costs per month shown

30 year term - Woman - non-smoking

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
40 Year Old Woman $16.89 $31.15 $36.40 $47.08 $57.61 $105.00
41 Year Old Woman $18.03 $33.43 $39.29 $50.86 $61.66 $113.86
42 Year Old Woman $18.81 $35.00 $42.18 $54.46 $66.16 $122.86
43 Year Old Woman $19.95 $37.28 $45.85 $58.78 $71.56 $132.76
44 Year Old Woman $21.18 $39.73 $49.24 $63.10 $76.96 $143.56
45 Year Old Woman $22.66 $42.00 $52.75 $67.78 $82.81 $154.36
46 Year Old Woman $24.33 $46.00 $57.34 $73.90 $90.46 $169.66
47 Year Old Woman $27.30 $50.14 $62.20 $80.38 $98.56 $186.76
48 Year Old Woman $30.80 $54.64 $67.87 $87.94 $108.01 $203.86
49 Year Old Woman $33.22 $58.78 $73.00 $94.78 $116.56 $221.86

 

30 year term - Man, non-smoking

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
40 Year Old Man $21.53 $39.16 `$47.08 $60.22 $73.36 $134.75
41 Year Old Man $23.36 $42.58 $51.40 $65.98 $80.56 $148.75
42 Year Old Man $25.38 $46.18 $56.53 $72.82 $89.11 $164.26
43 Year Old Man $27.65 $49.42 $61.12 $78.94 $96.76 $179.56
44 Year Old Man $29.93 $53.02 $66.52 $86.14 $105.76 $195.76
45 Year Old Man $32.20 $57.34 $72.46 $94.06 $115.66 $213.76
46 Year Old Man $33.86 $63.28 $79.75 $103.78 $127.31 $236.26
47 Year Old Man $36.75 $69.30 $87.85 $114.58 $136.50 $255.50
48 Year Old Man $40.08 $74.90 $97.03 $126.82 $147.88 $277.38
49 Year Old Man $43.23 $81.20 $106.48 $139.42 $162.31 $305.38

 

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30 year term - Woman smoker

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
40 Years Old $32.81 $60.38 $87.94 $115.50 $143.06 $280.88
41 Years Old $34.91 $64.58 $94.24 $123.90 $153.56 $301.88
42 Years Old $37.01 $68.78 $100.54 $132.30 $164.06 $322.88
43 Years Old $39.11 $72.98 $106.84 $140.70 $174.56 $343.88
44 Years Old $41.21 $77.18 $113.14 $149.10 $185.06 $364.88
45 Years Old $43.23 $81.20 $119.18 $157.15 $195.13 $385.00
46 Years Old $67.20 $130.11 $168.63 $223.42 $273.49 $542.70
47 Years Old $73.10 $141.92 $184.30 $244.30 $299.17 $594.06
48 Years Old $79.69 $155.11 $201.50 $267.24 $326.99 $649.70
49 Years Old $86.80 $169.32 $220.25 $292.24 $357.81 $711.34

 

30 year term - Man smoker

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
Age 40 $47.78 $90.30 $132.83 $175.35 $217.88 $430.50
Age 41 $51.63 $98.00 $144.38 $190.75 $237.13 $469.00
Age 42 $55.48 $105.70 $155.93 $206.15 $256.38 $507.50
Age 43 $59.24 $113.23 $167.21 $221.20 $275.19 $545.13
Age 44 $63.09 $120.93 $178.76 $236.60 $294.44 $583.63
Age 45 $66.94 $128.63 $190.31 $252.00 $313.69 $622.13
Age 46 $86.63 $170.63 $246.49 $327.78 $407.03 $807.63
Age 47 $93.98 $185.33 $265.91 $353.68 $435.31 $859.25
Age 48 $103.08 $203.53 $289.80 $385.53 $469.44 $924.00
Age 49 $114.45 $225.13 $319.99 $425.78 $513.19 $1,007.13

 

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