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By the time most people reach the age of 44 they begin thinking about their future and what might happen to them if the unexpected takes place. This gets them thinking about life insurance but also causes them to start to worry that at the age of 40 they won’t be able to afford life insurance anymore. Fortunately for them this is not at all true and it is still very possible to obtain an affordable life insurance policy in your 40s. It’s actually not much more expensive than obtaining life insurance in your 30s.
The very first thing you should do though is use the free tool like we have on our website which will instantly give you back quotes on how much you can expect to pay for life insurance.
Getting a good deal on your life insurance
Everyone wants the best possible price and we’re going to assume that means you as well. If that’s the case then we recommend you get in contact with an independent life insurance agency who can contact all of the top-rated life insurance companies on your behalf. They can then sit down with you and help you understand all the different policies that are available to you.
If you’re in good health though you might want to start by using our online quote that we’ve provided on our website. All you need to do is enter in a little bit of information about your age and health and it will come back with rates for you.
If you’ve a pre-existing condition however then you won’t be able to use the free tool and you’ll need to get in contact with us directly. We’ll ask you some questions about your health and then we will do some research for you. We will contact all of the different life insurance companies individually because they all have a different way of assessing risk. We have a way of talking to these companies that won’t incriminate you and cause your rates to go even higher, without misrepresenting your information to them. This is something that could easily take you several months and you still would probably get a higher price.
We do this every day so we are truly experts at negotiating with the insurance companies and we always get our customers the best rates possible.
Inexpensive life insurance plans at the age of 44
To get you started we’ve created this table complete with sample rates. Keep in mind that these sample rates are just that and you should only use them as a guideline. The rates also tend to fluctuate on a daily basis so for the most up-to-date and accurate results we recommend using our free tool.
The rates below are for non-smokers only. If you do smoke then you can expect the rates to be about double.
Term life insurance for a 44 year old male “Preferred” health class (minor or no health issues), monthly rates:
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 10 year term | $11 | $13 | $21 | $34 | $61 |
| 15 year term | $13 | $15 | $25 | $43 | $78 |
| 20 year term | $14 | $19 | $33 | $58 | $107 |
Term Life Insurance for a 44 year old male “Standard” Health Class (controlled health issues), monthly rates:
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 10 year term | $14 | $16 | $28 | $52 | $95 |
| 15 year term | $16 | $21 | $39 | $71 | $132 |
| 20 year term | $19 | $25 | $48 | $97 | $177 |
Term life insurance for a 44 year old female “Preferred” Health Class (no of minor health issues), monthly rates:
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 10 year term | $10 | $11 | $19 | $31 | $48 |
| 15 year term | $11 | $13 | $22 | $38 | $67 |
| 20 year term | $13 | $15 | $27 | $46 | $84 |
Term life insurance for a 44 year old female “Standard” Health Class (no or minor health issues):
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 10 year term | $13 | $13 | $23 | $39 | $71 |
| 15 year term | $15 | $17 | $31 | $55 | $103 |
| 20 year term | $16 | $18 | $39 | $72 | $132 |
Making a good choice on life insurance at the age of 44
The most important thing for you to do is think about what you been using your life insurance for. The most common uses are to supplement income in case of an emergency or to take care of your family if you were to pass away and expectedly. Think about the purpose and think about how long you’ll need the policy to be active for an order for it to still be useful to you. This will definitely help to narrow down your options.
If you’re strapped for cash then don’t try to go for the most expensive policy available. We never recommend people go broke trying to pay for their life insurance. Instead we recommend going for a policy with a lower premium that you can afford. It’s always better to have some coverage than no coverage at all.
Bottom line
If you’re considering taking out a life insurance policy then your best bet is to get in contact with an independent life insurance agency like us. We can help walk you through all of your options and explain anything to you that you don’t understand. If you have any more questions then please don’t hesitate to contact us and don’t forget to make use of our free online quote calculator.
