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Life Insurance Quotes for 41 Year OldLife insurance for 41 year old individuals is actually not much more expensive than life insurance for individuals in their thirties. Of course insurance rates go up as people get older, but most people in their forties are surprised at how cheap term life insurance really is.

We encourage you to run an instant life insurance quote on this page to see how inexpensive life insurance can really be for you.

Cheap Term Life Insurance Quotes for 41 Year Olds

Here are some sample quotes. Keep in mind, life insurance rates fluctuate so use our instant quote tool to view the most updated life insurance rates. The rates below are for NON-SMOKERS. If you're a smoker, your rates are typically double these rates.

Term life insurance for a 41 year old male "Preferred" health class (no or minor health issues), monthly rates:

                              $50,000  $100,000   $250,000  $500,000  $1,000,000
10 year term                $9          $10            $16           $26            $44
15 year term                $11        $11             $18           $32            $58
20 year term                $11        $14             $24           $43            $78

Term life insurance for a 41 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               $12         $12            $22          $40            $71
15 year term               $13         $16            $28          $52            $97
20 year term               $15         $19            $38          $69            $129

Term life insurance for a 41 year old female "Preferred" health class (no or minor health issues), monthly rates:

                              $50,000  $100,000  $250,000  $500,000  $1,000,000
10 year term                $9          $9             $14            $22            $38
15 year term                $9          $10           $17            $28            $50
20 year term                $10        $12           $21            $36            $63

Term life insurance for a 41 year old female "Standard" health class (controlled health issues), monthly rates:

                              $50,000  $100,000  $250,000  $500,000  $1,000,000
10 year term              $11          $11           $20            $33            $60
15 year term              $12          $14           $26            $45            $84
20 year term              $13          $16           $32            $58            $104

How To Save Money on Your Life Insurance

If you want to secure the cheapest term life insurance possible, make sure you find an independent life insurance agency who has access to ALL the highly rated life insurance companies and can compare them side by side for you. If you're healthy, our online quotes will provide updated and accurate rates (the same rates we see when we're quoting you!). Simply choose the least expensive option.

However, if you have any pre-existing conditions, we'll need to qualify your health and research your options. Every life insurance company has different underwriting guidelines and will view your risk differently. It's our job to take YOUR unique risk and reference our underwriters to see who will provide the best rates. Perhaps you are overweight and needing life insurance; we can help.

We truly are experts at finding the lowest life insurance rates on the market for our clients. That's what we do all day, every day. Put us to work for you! 

Choosing The Best Life Insurance Policy at Age 41

Ask yourself what the purpose of this coverage is first. Is it to replace your income for your spouse? Cover your kids college expenses? Mortgage protection? Cover any outstanding debts or loans? These questions should lead you to the amount of coverage you need. As far as tem length goes - If you're buying coverage to protect your income, buy a term length that will get you to retirement. If you're buying to cover a mortgage, how much longer is left on your note? If it's to cover you children's college expenses - how long until they're out of college? Again, use the purpose of coverage to forecast the term length. For most people, it's about not breaking the budget to cover their loved ones. We get that. Just remember that some coverage is better than no coverage at all. Find something within your budget that you can comfortably pay.

Consider Guaranteed Universal Life Insurance

If you want a life insurance policy that doesn't expire, consider "Guaranteed Universal Life Insurance". This policy is a very popular choice for 41 year olds looking for the cheapest amount of life insurance that lasts indefinitely. Also referred to as "Term for Life", it's a permanent life insurance policy that has level premiums for the rest of your life. You can compare these policies on our website as well. Many 41 year olds buy a combination of "Guaranteed Universal Life" and term coverage. They usually buy the majority of coverage in term life insurance and a smaller amount in this permanent coverage so they have something when the term life insurance expires.

Bottom Line

Work with an independent life insurance agency who can explore ALL your options. We know this is a lot of information to take in, so we're here if you have any questions. Also, please utilize our online life insurance comparison service to see how much life insurance would be for you.

About Jeff Root

is the owner of rootfin.com. He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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