Best Place to Find Life Insurance for 46 Year Olds

Life Insurance Quotes for 46 Year OldYou’re on the backside of your 40s. You’re getting to a unique stage of life. There are a lot of serious planning you need to do, and one of those is life insurance.

If you’ve never bought life insurance before, or if it’s been a while, you might be wondering where to start. Buying life insurance isn’t something people do every day.

You don’t have to be a life insurance expert, because we can do it for you. If you want to get the most affordable quote, then it’s important that you get dozens and dozens of quotes before you decide which one is best for you.

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

Insurance Quotes for 46 Year Olds


When clients contact us, one of their main concerns is about the price. As 46, they assume they are going to pay a small fortune every month.

We can’t give you a perfect quote without getting more info about you and your health, but we can give you numbers of customers we’ve worked with in the past.
One important note, when you’re looking through these quotes, they are non-smokers rates. If you smoke, don’t even bother looking at these rates unless you plan on quitting before you apply.

Here is how much you would pay if you’re 46 male and get put in the Preferred health rating: 

$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

Here are some rates for the same applicant, but with Standard health rating:

$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

46 year old female “Preferred” health class, 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

46 year old female “Standard” health class 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

Getting Cheaper Life Insurance

Are you shocked at the rates above? A lot of our clients are stunned to see how affordable their coverage can be.

Remember, those are generic quotes. You won’t necessarily get the same rates as the example above.

There are dozens of factors the insurance company is going to take into account, your age is only one of them. You can’t make yourself younger, but you can control other aspects. It should be your goal to get the lowest rates available.

First, slow down! You might not know this, but during the application, the insurance carrier will pull your DMV records. If you’re a speed demon with a lot of tickets on your record, you’re going to pay for it. Driving safely will help you save on both your auto insurance and your life insurance.

Another way is to choose safer hobbies. If you enjoy the adrenaline rush of skydiving or rock climbing, you’re going to pay much higher premiums. Find safer hobbies, and you’ll get cheaper coverage.


Choosing the Best Life Insurance Policy at Age 46

One of the key steps in buying life insurance is making the decisions of the carrier, the type of plan, and the amount of the policy. It seems like a lot, but these are easier than you might think.

Step one, decide how much life insurance you should buy. Take your salary, multiply it by 10 (simple math) and add that sum with your debts (mortgage, loans, and other major bills). The total you get is your life insurance requirements. You should consider getting a policy slightly larger than the number.

After you have your number, then you can decide which type of policy to buy. At 46, a term insurance plan will probably be the best option. We don’t know your exact situation, but we can almost guarantee a term is the best choice.

There are two benefits of buying a term plan: it’s cheaper and it’s temporary. Temporary doesn’t sound like a benefit, but you don’t want to pay for coverage you don’t need. If you buy a whole life plan, it’s never going to expire, but you may not always need coverage.


Bottom Line

We know all of this is a lot of information to take it. We talk to clients who were overwhelmed trying to comprehend all of this and then trying to find a cheap plan. Instead of having to do all of this alone, just give us a call. It’s that simple.
We can help you calculate your needs, determine the best kind of policy, and even locate the best carrier to meet those requirements. We can get you through the whole thing from beginning to end. Why would you want to do it alone when you can use our expert agents?

Not only do we have years of experience, but we are also independent. What does that mean to you? It means working with us gives you dozens and dozens of options in a minute.
Make it easy on yourself. Give us a call. After that, we will take the reins.

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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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