Average Term Life Insurance Costs Over 40

Great news if you are in your forties - term life insurance rates have never been this affordable. With people's life expectancy going up every year, it is no surprise that life insurance companies are more than happy to insure people over 40 years of age.

$25,000
$50,000
$75,000
$100,000
$200,000
$300,000
$400,000
$500,000
Other Amounts

Considering that the majority of them will live into their seventies and eighties, it is a low risk proposition for a life insurance company to insure a man or woman in their 40's.

Compare rates amongst several insurers to get the best possible rates. Do not settle with the first quote you'll get. By comparing rates from different companies you'll be able to get the cheapest rates available for your particular situation.

Here are some examples of life insurance rates if you are 40 years of age or older:

  • A 20 year level term policy for a 45 year old man, non smoker, in good health, in the amount of $500,000 will cost only $58 per month.
  • A 30 year level term policy for a 40 year old woman, non smoker, with no health problems, in the amount of $300,000 will cost only $30 per month - from a A+ rated company.
  • A 10 year level term policy for a 45 year old woman, smoker, in good health, in the amount of $200,000 will cost only $50 per month.

As you can see prices are really affordable - get your own rates today!

Life Insurance Cost Examples by Age:

30 year term policy for a man, non-smoking:

AGE $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000
40 Year Old Man $21.56 $39.14 $47.22 $60.22 $73.36 $134.85
41 Year Old Male $23.36 $42.58 $51.40 $65.98 $80.48 $148.75
42 Year Old Man $25.38 $46.37 $56.53 $72.82 $89.11 $164.26
43 Year Old Male $27.65 $49.42 $61.22 $78.94 $96.76 $179.58
44 Year Old Man $29.93 $53.12 $66.52 $86.24 $105.78 $195.75
45 Year Old Male $32.20 $57.34 $72.66 $94.16 $115.66 $213.76
46 Year Old Man $33.84 $63.37 $79.75 $103.77 $127.61 $236.28
47 Year Old Male $36.55 $69.30 $87.85 $114.68 $136.57 $255.50
48 Year Old Man $40.77 $74.90 $97.23 $126.82 $147.48 $277.38
49 Year Old Male $43.22 $81.20 $106.39 $139.42 $162.51 $305.38
Rates as off 04/27/2022 - your policy rates will likely be different. These are just example premiums.