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40 Year Term Life Insurance

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40 year term life insurance rates

40 year term life insurance is relatively new to the life insurance marketplace.

What you will find is there are not a lot of top life insurance companies offering it yet.

The few that do will set the stage for other insurance companies following along if the product is successful.

40 Year Term Life Insurance Rates

All 40 year term life insurance quotes are from top rated insurance companies.

Term life insurance rates are for informational purposes, are subject to change, and must be qualified for.

MaleFemale
Best 40 Year Term Life Insurance Rates for Men
The following sample term life insurance quotes are based on a preferred plus male wanting ordinary term life insurance with an A- rated insurance company or better. Monthly Rates are for informational purposes only and must be qualified for.
Age250,000500,0001,000,000
20$25.23$42.80$71.97
25$25.23$42.80$71.97
30$28.67$52.18$102.57
35$34.83$64.49$135.94
40$61.58$114.14$222.63
45$97.08$188.99$370.06
All sample quotes are based on a monthly premium as of 05/20/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus male. Rates are for informational purposes only and must be qualified for.
Best 40 Year Term Life Insurance Rates for Women
The following sample term life insurance quotes are based on a preferred plus female wanting ordinary term life insurance with an A- rated insurance company or better. Monthly Rates are for informational purposes only and must be qualified for.
Age250,000500,0001,000,000
20$20.58$33.98$57.12
25$20.58$33.98$57.12
30$22.61$38.48$72.63
35$28.95$52.74$93.12
40$48.96$91.26$176.84
45$77.71$145.15$288.87
All sample quotes are based on a monthly premium as of 05/20/2020 from an A- Rated Carrier and higher. Sample quotes are for a preferred plus female. Rates are for informational purposes only and must be qualified for.

Who Should Consider a 40 Year Term Life Insurance Policy?

In between term life and permanent life insurance, a 40 year term life policy bridges the gap due to its generational life insurance appeal.

There is a age limit on qualifying for it. 40 year term policies are available up to age 45.

And 40 years is a long time.

Consider…

If you can lock into affordable life insurance rates at a young age, that are fixed for 40 years, it will provide peace of mind as you go through many of life’s major occurrences, such as marriage, home buying, raising kids, and your prime working years.

40 year term life is an excellent option for anyone looking to lock into life insurance coverage for an extended period of time, but does not want to pay the higher premiums for cash value whole life or some other type of permanent coverage.

Is 40 year term life insurance right for you?

Maybe.

If you are interested in seeing how 40 year term life stacks up against other term policies, and perhaps permanent life insurance coverage, we can help.

Give IBUSA a call today for a complimentary strategy session.

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