Cheap Term Life Insurance Quotes for 43 Year Olds

Life Insurance Quotes for 43 Year Olds


Entering your 40s can be an interesting time of life. It’s getting to the point where you’re starting to seriously look at your retirement goals.

In your 40s, you need to make some serious investments in your life. Your finances are one of the most important parts of your life, but they are even more important to the ones you love.

If you aren’t the only one who needs your paycheck, you need to have life insurance. At 43, you could have

Our website will display instant life insurance quotes on the next screen.

Cheap Term Life Insurance Quotes for 43 Year Olds

If you came to this page to get exact rates for life insurance, we can’t do that. This is because rates fluctuate daily, so the best way to find your real rate is to use our free online quote tool, and use the sample rates as a guideline.

Be aware, these numbers are for clients who DO NOT SMOKE.

Term life insurance for a 43 year old male “Preferred” health class rates:

$50,000  $100,000   $250,000  $500,000  $1,000,000
10 year term               $10          $11             $18          $31             $55
15 year term               $11          $13             $22          $39             $71
20 year term               $13          $16             $29          $52             $97

43 year old male “Standard” health class monthly rates:

$50,000  $100,000  $250,000  $500,000  $1,000,000
10 year term               $13          $14          $26           $47             $85
15 year term               $15          $19          $35           $64             $123
20 year term               $17          $22          $45           $83             $160

Term life insurance for a 43 year old female “Preferred” health class:

$50,000  $100,000  $250,000  $500,000   $1,000,000
10 year term                $9           $10          $16            $27            $45
15 year term                $10         $11          $20            $34            $60
20 year term                $11         $13          $24            $42            $77

43 year old female “Standard” health class:

$50,000  $100,000  $250,000  $500,000  $1,000,000
10 year term               $12          $12           $21          $36             $66
15 year term               $13          $15           $28          $50             $94
20 year term               $15          $18           $36          $65             $121

How to Save Money on Your Life Insurance


You might be surprised by those numbers above! As we mentioned, these are only random quotes from other clients. You may not get the same premiums.

As a 44 year old, you won’t get as cheap of rates as a 25 year old. You can’t go back in time (sadly), but you can control other areas of your life, like your health.
The older you are, the more likely you are to have a health problem. If your health isn’t sparkling clean, you may expect to get expensive rates. This isn’t always true. Some companies are experts in life insurance for people with health problems.

Not only can we help you find the lowest premiums, but we can also help you decide which type of plan is going to be the best plan for you and your family.

Choosing the Best Life Insurance Policy at Age 43

First, decide what you need a life insurance policy for. Some people take out a policy to replace their income. Others do it to cover their kid’s college expenses. Other people do it to cover their mortgage or any other outstanding debts or loan they may have. The answer to this question will be what helps you determine what amount of coverage you need.

Next, it will become time to think about term length. If all you’re doing is taking out coverage to protect your income, then you will need a term length that will get you until retirement. If all you’re doing is trying to cover mortgages or other debts, then you will need a term that lasts until you feel those debts will be paid off. If you’re trying to cover college expenses for your children, then think about how long it will be until they are out of college.


Term or Whole? Which is Best for 43-Year-Olds

After you know how much to buy, you need to know which plan type to buy. At 43, you don’t have as many affordable options as a younger applicant.

In 99% term life insurance is the best choice. What makes term the best choice? It’s the most cost effective option for protection. They are temporary plans, they will expire, but you can get more coverage per dollar.

Whole life won’t expire until you reach the maximum age limit of coverage, which differs from carrier to carrier. You’re going to pay a lot more for whole life insurance, especially as an applicant in their 40s.

Getting Life Insurance

You wouldn’t ever walk a tightrope without a safety net under you, why would you not have a life insurance policy? If you care for your family, you should always have the protection they need.

Of course you don’t enjoy thinking about those morbid thoughts, but not consider your family’s finances can leave them financially responsible for the mortgage, student loans, hospital bills, and much more. At this point, they would only have one income. Can you imagine how difficult it would be for your family?

Life insurance can be confusing. It’s a tricky purchase. Luckily, you don’t have to do this alone. Our agents would be happy to walk alongside you and find the perfect plan for you.

If you want to get quality coverage, go ahead and fill out the quote form. This is the best way to get the life insurance search started.

Our independent brokers are dedicated to finding affordable protection without having to deal with pushy sales agents. We can bring you insurance rates from more than 60 companies. One call gets you 60 quotes.


About Jeff Root

is the owner of 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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