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Life Insurance Quotes for 43 Year OldsEven once you hit your 40s, life insurance is actually not all that much more expensive than it would be if you were to apply for it in your 30s. Of course rates are going to go up as you get older but most people in their 40s tend to be surprised at just how cost-effective term life insurance can be.

We always encourage anyone who asks to run an instant life insurance quote using the free tool on our site to see just how much life insurance can cost them.

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

Cheap Term Life Insurance Quotes for 43 Year Olds

To get you started we have created this table of sample rates for you to review. Please keep in mind that these rates are simply samples and while fairly accurate, they may not reflect what the rates would be if you were to apply today. 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.

The rates listed below are for NON-SMOKERS. If you are a smoker, the rates will generally be double the rates seen below.

Term life insurance for a 43 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               $10          $11             $18          $31             $55
15 year term               $11          $13             $22          $39             $71
20 year term               $13          $16             $29          $52             $97

Term life insurance for a 43 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               $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 (minor or no health issues), monthly rates:

                              $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

Term life insurance for a 43 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               $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

If you’re looking to find the cheapest term life insurance available, then make sure you are working with an independent life insurance agency who can give you access to all of the top rated life insurance companies. They can sit down and help you compare all the quotes side-by-side. If you’re healthy though, our online quote tool will help you find accurate and up-to-date rates, and these are the same rates we would give you if you were to call us. All you need to do is pick the one that is cheapest.

If you have any pre-existing conditions though, will first need to qualify your health before we can do any research on your behalf. This is due to the fact that every life insurance company has a different way of assessing risk, meaning that we have to contact each one individually to find you the best rated life insurance available to you. If you were to do this on your own it could easily take you several days. Perhaps you are overweight and needing life insurance; we can help.

Since we do this every day, we have truly become experts in our field and we always get our customers the best rates possible.

Choosing the Best Life Insurance Policy at Age 43

First you need to ask yourself what you need a life insurance policy for. Some people take out a policy to replace their income for their spouse. 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. Once again, the answers to these questions will help you figure out what type of policy you need.

For most people, it isn’t about spending too much money but about getting some sort of coverage. We always say that some coverage is better than no coverage, so just find one that you can afford and will also help your family.

Consider Guaranteed Universal Life Insurance

If all you need is a life insurance policy that won’t expire, then you should look into guaranteed universal life insurance. It is a policy that is quite popular for people in their 40s that are looking for a cheap amount of life insurance that will last forever. This is also sometimes known as term for life insurance because it is a permanent life insurance policy that has level premiums for the rest of your life. You can also use our website to compare these policies.

Most people in their 40s and up buying a combination of guaranteed universal life insurance as well as term coverage. They tend to buy the majority of their coverage in term life insurance and add on a smaller amount of permanent coverage so they have something to fall back on once the term life insurance policy expires.

Bottom Line

Remember the most important thing for getting the best deal possible is to only work with an independent life insurance agency who can contact all the top rated companies in your area.

We know that there is a lot of info to go over here and take in all at once, so if you have any questions whatsoever please don’t hesitate to contact us. Also don’t forget to use our free quote tool to figure out just how much life insurance should cost 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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