Life Insurance Rates: Ages 40-49


Life insurance rates strongly depend on your gender (since women tend to live, on average, longer than men) smoking habits and coverage required. Choose a visual below that is the closet to your situation. Please choose smoker if you stopped smoking, but less than two years ago.

You can also explore the major reasons for people aged 40-49 to get life insurance.

Click on the picture below that best describes your profile…

Life insurance rates for a female, 40-49 Years old, non-smoker

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

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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

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

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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

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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

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

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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

life-insurance-reasons-kids
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.
life-insurance-reasons-loved-ones

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.

life-insurance-reasons-parents

3. Your parents: Though it is not expected from you, you likely want to leave something for your parents if you die. Moderate insurance rates will allow you to get you extensive, but affordable coverage.

life-insurance-reasons-mortgage4. Mortgage: You are probably in the middle of paying off your mortgage and might be thinking about changing homes to accommodate a growing family. Make sure that a mortgage is paid off should anything happen to you so that your assets will not be collected by a bank.
life-insurance-reasons-own-business5. Your business: At this stage of your life you might have your own business. In this case you want to ensure that in all cases you pay off your business debt.
life-insurance-reasons-retirement6. Accumulating value towards retirement: For example, with whole life or universal life products you will be able to accumulate cash value as you pay your insurance premiums. If you are going to look at permanent insurance, the cost starts to really escalate after 50. A combination of a permanent and term policy may be a good option – that way you have some permanent coverage.

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