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Life Insurance for a 40 Year Old
If you’re reading this, it may just be because you’re 40 years old (or older) and are now seriously considering the fact that you need a life insurance policy. And if you’re like most people, you’re probably looking for the best rates. You can start comparing rates immediately using our online quote tool, but keep reading if you’re interested in learning more about what life insurance costs for someone your age, as well as what your specific policy options could be. Also, maybe you haven’t considered final expense life insurance, but it’s definitely something to think about. Let our professionals assist you in your search.
Life insurance is the most important safety net that you’ll ever buy for your loved ones. It’s one of the few ways that you can guarantee that your family will have money once you pass away, but it can be difficult to find an affordable plan the older that you are.
Permanent Life Insurance vs. Term Life Insurance
One of the first questions you should ask yourself is whether you want permanent life insurance or term life insurance. There are pros and cons to each. For example, permanent life insurance is great for many people because it provides you with coverage for the rest of your life, therefore ensuring that your loved ones get a death benefit no matter when you pass.
On the other hand, term life insurance can save you a lot of money because it provides you with coverage for a standard length of time— normally between 10 and 30 years— which typically covers you during the time in your life when you need coverage the most (such as when you are getting older, but still have dependents who rely on you and your income). Many term policies can also be converted over to permanent life insurance before they are up, even if you’ve been paying the same low premiums for a certain number of years.
Let’s explain difference between the two, let’s say George is a 40-year-old male looking for a $500,000 policy. With permanent coverage, he would end up paying some $2,298 annually (with No Lapse Universal Life), but with term coverage he would only pay about $615 annually.
So, term life insurance is actually the better option for most people because of its comparably low price.Price isn’t everything though. You need to take the time to consider all of the possible options and weigh the pros and cons of each of them.
Term Life Insurance Costs
Now we’ll go into a little more detail to show how much you could end up paying with term life insurance at your age (remember that you can always start comparing rates on your own using our online quote form).
Rates for 20-year, $200,000 policy for 40-Year-Old Male:
Preferred Plus Non-Tobacco— $20 a month
Regular Plus Non-Tobacco— $33 a month
Smokers’ Rates— $107 a month
Rates for 20-year, $200,000 policy for 40-Year-Old Female:
Preferred Plus Non-Tobacco— $18 a month
Regular Plus Non-Tobacco— $27 a month
Smokers’ Rates— $77 a month
Rates for 30-year, $200,000 policy for 40-Year-Old Male:
Preferred Plus Non-Tobacco— $36 a month
Regular Plus Non-Tobacco— $55 a month
Smokers’ Rates— $168 a month
Rates for 30-year, $200,000 policy for 40-Year-Old Female:
Preferred Plus Non-Tobacco— $29 a month
Regular Plus Non-Tobacco— $40 a month
Smokers’ Rates— $126 a month
Life Insurance Without a Medical Exam
You may have already heard that it is possible to get a life insurance policy without a medical exam. This is true if you meet certain other requirements and are typically seeking a policy worth $399,000 or less. Rates for these kinds of policies are often more expensive, however, so they are not for everyone. For example, let’s consider a $250,000 policy – a 40-year-old man would be offered around the following for a $250,000 No Medical Exam life insurance policy3 (keep in mind that the traditional health ratings do not necessarily apply):
Rates for 20-year, No Exam Policy (Male):
Non-Tobacco Rates— $77 a month
Smokers’ Rates— $176 a month
Rates for 20-year, No Exam Policy (Male):
Non-Tobacco Rates— $141 a month
Smokers’ Rates— $260 a month
A 40-year-old woman would also most likely end up paying higher rates. For a $250,000 No Medical Exam life insurance policy, a woman of this age would be offered around the following rates:
Rates for 20-year, No Exam Policy (Female):
Non-Tobacco Rates— $64 a month
Smokers’ Rates— $142 a month
Rates for 30-year, No Exam Policy (Female):
Non-Tobacco Rates— $103 a month
Smokers’ Rates— $190 a month
Now, the truth is that you can usually get better rates if you go through with a medical exam as part of your life insurance application. That said, medical exam life insurance policies tend to take longer to get approved than non-medical exam policies, so if urgency is important to you, going for a policy without one may just be for the best.
No exam life insurance plans are the only choice for some people, but there are several drawbacks to these plans. Cost is a major issue here. With a no exam policy, the company is taking a greater risk to give you life insurance because they don’t know your health. To safeguard the risk of taking you on as client they will pass that expense on to you.
It also a concern for some prospective applicants that you’re limited on face value with no exam policies. At $25,000 the coverage offered normally won’t protect the future of your family enough. In the end you would have to buy several of these policies to make sure your loved ones are left with enough cash to pay down any debt.
Getting Cheaper Life Insurance
There’s no set age where life insurance premiums take a big jump. And turning 40 shouldn’t hinder you from getting a plan. Actually you probably qualify for more affordable premiums than you think.
Step one is applying as soon as possible. Your age is the biggest factor that will impact how much you pay. The longer that you wait, the more that you’ll pay every month. If you want to get the cheapest life insurance, don’t wait another year.
Another way to save money is to improve your health. Your health is going to determine how much risk that you are for life insurance. The more risk that you are, the more that you’re going to pay.
One way that you can improve your health is to cut out any tobacco that you currently use. Simply put, your monthly bill will probably be double if you are a user of nicotine. If saving money is on your list than quitting your use needs to be too.
Another way to improve your health and lower your rates is to stick to a healthy diet and get regular exercise. These steps will lead to weight loss and drops in blood pressure. If you’re overweight when you apply for life insurance, then you’re going to pay around 50% more for your coverage.
Referensi: bestlifequotes.com