Best Place to Find Life Insurance for 46 Year Olds

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Life Insurance Quotes for 46 Year OldLife insurance for people in their 40s is actually not all that much more expensive than it is for people in their 30s. Of course rates are going to go up each year, no matter what a person’s age, but most people in their 40s are actually very surprised to realize how cost-effective taking out a term life insurance policy can be.

We always encourage anyone who inquires about it, to use a free tool like the quote calculator we have featured on our website, to see exactly how much term life insurance should cost them. 

Every insurance company is different, and every company is going to give you different rates based on their medical underwriting and rating system. You’ll get drastically different rates depending on which company that you get the quote from. If you want to get the most affordable quote, then it’s important that you get dozens and dozens of quotes before y0u decide which one is best for you.

Click here to access the best quotes from the top rated life insurance companies.

Cheap Term Life Insurance Quotes for 46 Year Olds

If you need a place to start, we suggest you take a look at the table of sample rates below. Please keep in mind that these rates are just samples and should be used as a guideline only. This is because insurance rates fluctuate daily, so to get the most accurate, up-to-date rates, please use a free tool like the quote calculator on our website.

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 46 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               $11         $13           $23           $40            $73
15 year term               $13         $16           $29           $52            $98
20 year term               $15         $21           $37           $69            $128

Term life insurance for a 46 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               $15         $17            $34          $62            $115
15 year term               $17         $22            $45          $84            $159
20 year term               $20         $28            $58          $113          $212

Term life insurance for a 46 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              $10          $11           $20           $35            $60
15 year term              $11          $13           $24           $42            $76
20 year term              $13          $16           $30           $52            $96

Term life insurance for a 46 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              $14          $14           $25           $43           $80
15 year term              $15          $18           $36           $66           $124
20 year term              $17          $21           $45           $82           $154

How to Save Money on Your Life Insurance

If all you want to do is get yourself the cheapest term life insurance possible, then you should seek out the services of independent life insurance agency who can access all of the top rated life insurance companies in your area. Your agent can even help you compare the quotes side-by-side to figure out which one will be the best choice for you. If you are in good health, then our online quote tool will provide you with up-to-date and accurate rates, which are the same rates we will be quoting you if you were to call us. All you need to do at that point is choose the least expensive option.

If you have any pre-existing medical conditions or a complicated medical history though, we will first need to qualify your health before we can research your options. This is because every life insurance company has a different way of assessing risk, so we will need to contact each one individually with your specific information. Perhaps you are overweight and needing life insurance; we can help.

We truly are experts at finding our customers the lowest life insurance rates possible. We do this day in and day out and pride ourselves on always getting you the best rates.

Unlike traditional insurance agents that only work with one company, we work with dozens and dozens of highly rated companies across the nation. That means that regardless of where you live or the health that you’re in, we can find affordable life insurance for you. If you tried to get the quotes yourself, you could spend hours and hours calling different companies to find the best quote. Don’t waste your valuable type, let our agents do all of that hard work for you.

May the BEST quote win!

Compare life insurance rates within 1 minute

Choosing the Best Life Insurance Policy at Age 46

The first thing you need to do is ask yourself what this coverage will be used for. Will you be using it to replace income for your spouse? Or will you be covering the college expenses for your children? What about mortgages or any other outstanding debts you might have? Your answers to these questions will help you figure out what amount of coverage you need.

That is time to think about term length. If all you’re doing is taking out coverage to supplement your income, then find a plan that will get you up until you retire. If you are trying to cover mortgages or other unpaid debts, then find coverage that will last until you feel the debt will be paid off. If it is to help your children out with college expenses, then figure out how long they will be in college for. Once again, your answers to these questions will help you figure out what type of policy you need.

For most people it isn’t about going broke trying to pay for life insurance, but about getting something in place to protect the family. We always say it is much better to have some insurance than no insurance so find something that is affordable that you can pay for comfortably.

Consider Guaranteed Universal Life Insurance

Many people are simply looking for a life insurance policy that will never expire, and the best type of policy for that is guaranteed universal life insurance. This policy is very popular for people in their 40s who are simply looking for the cheapest amount of life insurance that won’t expire. It is also referred to as term for life because it is a permanent life insurance policy that keeps level premiums for the rest of your life. You can compare these policies on our website, too.

Many people in their 40s end up taking out a combination of guaranteed universal life and term coverage. They will buy the majority of their coverage in term life insurance as well as a smaller amount of permanent coverage they always have something in place to fall back on when the term life insurance expires.

Every type of life insurance is going to have different pros and cons. You will need to decide which type of plan is best for you based on your life insurance needs. Our independent insurance agents have years of experience working with all kinds of applicants. We know which companies and which plans are going to be best for you.

Bottom Line

Remember to always work with an independent life insurance agency to help you get the best deals possible. They can often get you better deals than you’re able to get on your own. We know that there is a lot of information here, especially to take in all at once, so if you have any questions at all then please do not hesitate to contact us. Also remember to use our free quote tool to figure out just how much life insurance should cost you.

As a group of independent insurance agents, it’s our mission to ensure that you’re getting the best insurance coverage for your family. You never know what life is going to throw at you tomorrow, which means that you shouldn’t wait any longer to get the insurance protection that your family deserves. If something tragic were to happen to you, and you didn’t have life insurance protection, then your family would be responsible for all of your debts and other final expenses.

We know that shopping for life insurance is not a fun task, but it’s one of the most important investments that you’ll ever make for your loved ones. If you have any questions about getting affordable life insurance for a 46-year-old, please contact one of our agents today. We would be happy to answer those questions and connect you with the perfect life insurance plan available.

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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