You can also explore the major reasons for people aged 40-49 to get life insurance.
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Life insurance rates for a female, 40-49 Years old, non-smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should the policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. If the policy holder does not smoke, this will be reflected in the life insurance premiums – they are nearly two times lower than for smoking policy holders.
Approximate rates for Term 10 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
---|---|---|---|---|---|---|---|---|---|---|---|
Coverage valid until age of …-> | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | |
$100,000 | $9 | $10 | $10 | $11 | $11 | $11 | $12 | $13 | $14 | $15 | |
$200,000 | $15 | $16 | $17 | $18 | $19 | $20 | $21 | $23 | $24 | $27 | |
$500,000 | $21 | $23 | $25 | $27 | $30 | $32 | $36 | $39 | $42 | $46 | |
$1,000,000 | $40 | $44 | $48 | $52 | $56 | $60 | $66 | $72 | $79 | $86 |
Rates from November 2015
Approximate rates for Term 20 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
Coverage valid until age of …-> | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | |
---|---|---|---|---|---|---|---|---|---|---|---|
$100,000 | $13 | $14 | $14 | $15 | $17 | $18 | $19 | $21 | $23 | $25 | |
$200,000 | $23 | $25 | $26 | $28 | $30 | $33 | $36 | $39 | $43 | $47 | |
$500,000 | $39 | $42 | $46 | $50 | $54 | $59 | $64 | $71 | $78 | $86 | |
$1,000,000 | $71 | $77 | $86 | $94 | $102 | $112 | $122 | $135 | $148 | $164 |
Rates from November 2015
Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.
Life insurance rates for a male, 40-49 years old, non-smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should the policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. If the policy holder does not smoke, this will be reflected in the life insurance premiums – they are nearly two times lower than for smoking policy holders.
Approximate rates for Term 10 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
Coverage valid until age of …-> | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | |
---|---|---|---|---|---|---|---|---|---|---|---|
$100,000 | $11 | $12 | $13 | $13 | $14 | $15 | $16 | $17 | $18 | $20 | |
$200,000 | $19 | $20 | $22 | $23 | $25 | $27 | $28 | $31 | $33 | $36 | |
$500,000 | $32 | $35 | $37 | $41 | $44 | $48 | $52 | $57 | $62 | $67 | |
$1,000,000 | $57 | $62 | $68 | $74 | $81 | $88 | $97 | $106 | $117 | $128 |
Rates from November 2015
Approximate rates for Term 20 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
Coverage valid until age of …-> | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | |
---|---|---|---|---|---|---|---|---|---|---|---|
$100,000 | $16 | $18 | $19 | $21 | $23 | $25 | $27 | $30 | $32 | $35 | |
$200,000 | $30 | $33 | $36 | $39 | $42 | $46 | $50 | $55 | $60 | $66 | |
$500,000 | $54 | $59 | $64 | $71 | $77 | $84 | $94 | $104 | $116 | $129 | |
$1,000,000 | $102 | $112 | $122 | $135 | $149 | $163 | $181 | $202 | $224 | $250 |
Rates from November 2015
Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.
Life insurance rates for a female, 40-49 years old, smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should the policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. Smoker’s insurance rates are approximately two times higher than for those who do not smoke.
Approximate rates for Term 10 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
Coverage valid until age of …-> | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | |
---|---|---|---|---|---|---|---|---|---|---|---|
$100,000 | $16 | $18 | $19 | $20 | $22 | $23 | $25 | $27 | $29 | $31 | |
$200,000 | $29 | $31 | $33 | $36 | $39 | $42 | $45 | $49 | $53 | $58 | |
$500,000 | $56 | $61 | $63 | $71 | $76 | $82 | $90 | $98 | $107 | $117 | |
$1,000,000 | $104 | $113 | $123 | $134 | $146 | $158 | $174 | $190 | $209 | $229 |
Rates from November 2015
Approximate rates for Term 20 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
Coverage valid until age of …-> | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | |
---|---|---|---|---|---|---|---|---|---|---|---|
$100,000 | $27 | $29 | $31 | $33 | $36 | $38 | $41 | $45 | $48 | $52 | |
$200,000 | $49 | $52 | $56 | $60 | $64 | $70 | $75 | $82 | $89 | $97 | |
$500,000 | $99 | $106 | $113 | $121 | $130 | $139 | $153 | $167 | $182 | $200 | |
$1,000,000 | $188 | $203 | $218 | $235 | $253 | $273 | $299 | $328 | $359 | $393 |
Rates from November 2015
Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.
Life insurance rates for a male, 40-49 years old, smoker
Two overviews below show the minimal life insurance premiums for a policy holder of Term 10 and Term 20 insurance products. It means that should the policy owner die during the next 10 / 20 years, the beneficiaries (e.g. family members) will receive the amount stated under the coverage. Smoker’s insurance rates are approximately two times higher than for those who do not smoke.
Approximate rates for Term 10 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
Coverage valid until age of …-> | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | |
---|---|---|---|---|---|---|---|---|---|---|---|
$100,000 | $21 | $24 | $26 | $29 | $32 | $35 | $38 | $42 | $46 | $51 | |
$200,000 | $39 | $43 | $48 | $53 | $58 | $65 | $73 | $80 | $89 | $99 | |
$500,000 | $75 | $83 | $91 | $101 | $111 | $123 | $138 | $155 | $174 | $195 | |
$1,000,000 | $140 | $156 | $174 | $193 | $214 | $239 | $266 | $298 | $333 | $372 |
Rates from November 2015
Approximate rates for Term 20 life insurance policy
Age, years | |||||||||||
Coverage | Your age is… -> | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
Coverage valid until age of …-> | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | |
---|---|---|---|---|---|---|---|---|---|---|---|
$100,000 | $39 | $43 | $48 | $52 | $57 | $63 | $68 | $74 | $80 | $87 | |
$200,000 | $74 | $81 | $89 | $98 | $108 | $118 | $129 | $140 | $153 | $168 | |
$500,000 | $150 | $165 | $181 | $199 | $218 | $240 | $263 | $289 | $317 | $348 | |
$1,000,000 | $291 | $320 | $352 | $388 | $427 | $470 | $517 | $568 | $624 | $686 |
Rates from November 2015
Do you have a particular pre-condition? Find out more about life insurance with HIV, life insurance with diabetes, life insurance with cancer, etc.
6 Main Reasons to get Life Insurance When you are 40-49

1. Your kids: It is likely that you will have kids by age of 40-49 and you want to ensure that they are taken care of should anything happen to you or your spouse.

2. Your significant other: You want to make sure that your spouse / significant other is covered and does not bear the burden of your joint debt should anything happen to you.