At 40, term life insurance is still very affordable—but rates go up every year you wait, so now is a great time to look. The tables below show monthly premiums starting as low as $9.13/mo, covering 24 coverage amounts and five term lengths. Every rate is based on real quotes from leading life insurance carriers.
Male Rates — Age 40
Preferred Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $9.31 $112/yr | $10.16 $122/yr | $12.15 $146/yr | $17.34 $208/yr | $18.50 $222/yr |
| $200K | $12.17 $146/yr | $13.85 $166/yr | $17.83 $214/yr | $27.76 $333/yr | $30.33 $364/yr |
| $300K | $16.15 $194/yr | $18.77 $225/yr | $23.00 $276/yr | $32.95 $395/yr | $37.33 $448/yr |
| $400K | $19.41 $233/yr | $22.71 $273/yr | $28.64 $344/yr | $41.79 $501/yr | $47.75 $573/yr |
| $500K | $22.11 $265/yr | $27.38 $328/yr | $34.15 $410/yr | $47.96 $576/yr | $56.65 $680/yr |
| $600K | $25.41 $305/yr | $31.63 $380/yr | $39.77 $477/yr | $56.34 $676/yr | $66.77 $801/yr |
| $700K | $28.57 $343/yr | $35.89 $431/yr | $45.38 $545/yr | $64.72 $777/yr | $76.88 $923/yr |
| $800K | $31.74 $381/yr | $40.15 $482/yr | $50.99 $612/yr | $73.09 $877/yr | $86.99 $1,044/yr |
| $900K | $34.90 $419/yr | $44.41 $533/yr | $56.61 $679/yr | $81.47 $978/yr | $97.11 $1,165/yr |
| $1M | $36.73 $441/yr | $46.51 $558/yr | $60.81 $730/yr | $89.22 $1,071/yr | $107.53 $1,290/yr |
| $1.1M | $39.81 $478/yr | $50.55 $607/yr | $66.28 $795/yr | $97.53 $1,170/yr | $117.60 $1,411/yr |
| $1.2M | $42.89 $515/yr | $54.59 $655/yr | $71.76 $861/yr | $105.85 $1,270/yr | $127.68 $1,532/yr |
| $1.3M | $45.97 $552/yr | $58.63 $704/yr | $77.23 $927/yr | $114.16 $1,370/yr | $137.75 $1,653/yr |
| $1.4M | $49.05 $589/yr | $62.67 $752/yr | $82.70 $992/yr | $122.47 $1,470/yr | $147.82 $1,774/yr |
| $1.5M | $52.13 $626/yr | $66.94 $803/yr | $88.34 $1,060/yr | $131.13 $1,574/yr | $157.73 $1,893/yr |
| $1.6M | $55.21 $662/yr | $71.00 $852/yr | $93.83 $1,126/yr | $139.47 $1,674/yr | $167.79 $2,014/yr |
| $1.7M | $58.28 $699/yr | $75.05 $901/yr | $99.31 $1,192/yr | $147.81 $1,774/yr | $177.85 $2,134/yr |
| $1.8M | $61.36 $736/yr | $79.11 $949/yr | $104.79 $1,258/yr | $156.14 $1,874/yr | $187.92 $2,255/yr |
| $1.9M | $64.44 $773/yr | $83.17 $998/yr | $110.28 $1,323/yr | $164.48 $1,974/yr | $197.98 $2,376/yr |
| $2M | $67.52 $810/yr | $87.23 $1,047/yr | $115.76 $1,389/yr | $172.82 $2,074/yr | $208.04 $2,496/yr |
| $2.5M | $82.91 $995/yr | $108.40 $1,301/yr | $143.65 $1,724/yr | $214.97 $2,580/yr | $258.75 $3,105/yr |
| $3M | $98.31 $1,180/yr | $128.86 $1,546/yr | $171.16 $2,054/yr | $256.74 $3,081/yr | $309.14 $3,710/yr |
| $3.5M | $113.70 $1,364/yr | $149.32 $1,792/yr | $198.67 $2,384/yr | $298.52 $3,582/yr | $359.52 $4,314/yr |
| $4M | $129.10 $1,549/yr | $169.78 $2,037/yr | $226.18 $2,714/yr | $340.30 $4,084/yr | $409.91 $4,919/yr |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Standard Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $13.58 $163/yr | $14.77 $177/yr | $17.36 $208/yr | $23.27 $279/yr | $27.25 $327/yr |
| $200K | $20.53 $246/yr | $22.80 $274/yr | $28.03 $336/yr | $39.87 $478/yr | $48.04 $576/yr |
| $300K | $23.61 $283/yr | $27.74 $333/yr | $34.72 $417/yr | $50.75 $609/yr | $57.81 $694/yr |
| $400K | $29.12 $349/yr | $34.95 $419/yr | $44.26 $531/yr | $65.64 $788/yr | $75.05 $901/yr |
| $500K | $34.29 $411/yr | $41.90 $503/yr | $53.31 $640/yr | $76.45 $917/yr | $90.81 $1,090/yr |
| $600K | $39.93 $479/yr | $49.06 $589/yr | $62.76 $753/yr | $90.52 $1,086/yr | $107.76 $1,293/yr |
| $700K | $45.57 $547/yr | $56.23 $675/yr | $72.20 $866/yr | $104.59 $1,255/yr | $124.70 $1,496/yr |
| $800K | $51.21 $614/yr | $63.39 $761/yr | $81.65 $980/yr | $118.66 $1,424/yr | $141.65 $1,700/yr |
| $900K | $56.85 $682/yr | $70.55 $847/yr | $91.09 $1,093/yr | $132.73 $1,593/yr | $158.59 $1,903/yr |
| $1M | $59.52 $714/yr | $75.65 $908/yr | $96.64 $1,160/yr | $140.68 $1,688/yr | $169.44 $2,033/yr |
| $1.1M | $64.86 $778/yr | $82.61 $991/yr | $105.70 $1,268/yr | $154.14 $1,850/yr | $185.74 $2,229/yr |
| $1.2M | $70.21 $842/yr | $89.57 $1,075/yr | $114.76 $1,377/yr | $167.60 $2,011/yr | $202.05 $2,425/yr |
| $1.3M | $75.55 $907/yr | $96.52 $1,158/yr | $123.81 $1,486/yr | $181.06 $2,173/yr | $218.35 $2,620/yr |
| $1.4M | $80.89 $971/yr | $103.48 $1,242/yr | $132.87 $1,594/yr | $194.52 $2,334/yr | $234.66 $2,816/yr |
| $1.5M | $86.31 $1,036/yr | $110.06 $1,321/yr | $141.79 $1,702/yr | $208.33 $2,500/yr | $250.63 $3,008/yr |
| $1.6M | $91.66 $1,100/yr | $116.99 $1,404/yr | $150.84 $1,810/yr | $221.81 $2,662/yr | $266.92 $3,203/yr |
| $1.7M | $97.01 $1,164/yr | $123.93 $1,487/yr | $159.89 $1,919/yr | $235.29 $2,824/yr | $283.20 $3,398/yr |
| $1.8M | $102.36 $1,228/yr | $130.86 $1,570/yr | $168.94 $2,027/yr | $248.77 $2,985/yr | $299.48 $3,594/yr |
| $1.9M | $107.70 $1,292/yr | $137.79 $1,653/yr | $177.98 $2,136/yr | $262.26 $3,147/yr | $315.76 $3,789/yr |
| $2M | $113.05 $1,357/yr | $144.72 $1,737/yr | $187.03 $2,244/yr | $275.74 $3,309/yr | $332.05 $3,985/yr |
| $2.5M | $140.26 $1,683/yr | $179.84 $2,158/yr | $232.73 $2,793/yr | $343.62 $4,123/yr | $413.82 $4,966/yr |
| $3M | $167.09 $2,005/yr | $214.60 $2,575/yr | $278.06 $3,337/yr | $411.13 $4,934/yr | $495.31 $5,944/yr |
| $3.5M | $193.93 $2,327/yr | $249.35 $2,992/yr | $323.39 $3,881/yr | $478.63 $5,744/yr | $576.80 $6,922/yr |
| $4M | $220.76 $2,649/yr | $284.10 $3,409/yr | $368.72 $4,425/yr | $546.14 $6,554/yr | $658.28 $7,899/yr |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Standard Tobacco Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $29.42 $353/yr | $34.75 $417/yr | $40.50 $486/yr | $60.67 $728/yr | $62.67 $752/yr |
| $200K | $52.17 $626/yr | $62.83 $754/yr | $74.33 $892/yr | $114.84 $1,378/yr | $118.67 $1,424/yr |
| $300K | $68.47 $822/yr | $83.44 $1,001/yr | $103.18 $1,238/yr | $148.86 $1,786/yr | $163.25 $1,959/yr |
| $400K | $89.17 $1,070/yr | $108.94 $1,307/yr | $135.51 $1,626/yr | $196.46 $2,358/yr | $215.58 $2,587/yr |
| $500K | $105.56 $1,267/yr | $127.64 $1,532/yr | $160.42 $1,925/yr | $236.25 $2,835/yr | $253.61 $3,043/yr |
| $600K | $125.39 $1,505/yr | $151.89 $1,823/yr | $191.22 $2,295/yr | $282.21 $3,387/yr | $303.06 $3,637/yr |
| $700K | $145.22 $1,743/yr | $176.14 $2,114/yr | $222.03 $2,664/yr | $328.18 $3,938/yr | $352.50 $4,230/yr |
| $800K | $165.06 $1,981/yr | $200.39 $2,405/yr | $252.83 $3,034/yr | $374.14 $4,490/yr | $401.94 $4,823/yr |
| $900K | $184.89 $2,219/yr | $224.64 $2,696/yr | $283.64 $3,404/yr | $420.11 $5,041/yr | $451.39 $5,417/yr |
| $1M | $193.60 $2,323/yr | $243.33 $2,920/yr | $291.67 $3,500/yr | $446.66 $5,360/yr | $491.67 $5,900/yr |
| $1.1M | $212.27 $2,547/yr | $266.96 $3,204/yr | $320.17 $3,842/yr | $490.68 $5,888/yr | $540.21 $6,482/yr |
| $1.2M | $230.93 $2,771/yr | $290.60 $3,487/yr | $348.67 $4,184/yr | $534.71 $6,416/yr | $588.75 $7,065/yr |
| $1.3M | $249.60 $2,995/yr | $314.24 $3,771/yr | $377.17 $4,526/yr | $578.73 $6,945/yr | $637.29 $7,648/yr |
| $1.4M | $268.27 $3,219/yr | $337.88 $4,055/yr | $405.67 $4,868/yr | $622.75 $7,473/yr | $685.83 $8,230/yr |
| $1.5M | $287.17 $3,446/yr | $361.53 $4,338/yr | $434.17 $5,210/yr | $667.32 $8,008/yr | $734.38 $8,812/yr |
| $1.6M | $305.85 $3,670/yr | $385.17 $4,622/yr | $462.67 $5,552/yr | $711.38 $8,537/yr | $782.92 $9,395/yr |
| $1.7M | $324.53 $3,894/yr | $408.81 $4,906/yr | $491.17 $5,894/yr | $755.44 $9,065/yr | $831.46 $9,978/yr |
| $1.8M | $343.21 $4,119/yr | $432.45 $5,189/yr | $519.67 $6,236/yr | $799.50 $9,594/yr | $880.00 $10,560/yr |
| $1.9M | $361.89 $4,343/yr | $456.09 $5,473/yr | $548.17 $6,578/yr | $843.56 $10,123/yr | $928.54 $11,142/yr |
| $2M | $380.58 $4,567/yr | $479.73 $5,757/yr | $576.67 $6,920/yr | $887.62 $10,651/yr | $977.08 $11,725/yr |
| $2.5M | $474.45 $5,693/yr | $598.39 $7,181/yr | $719.17 $8,630/yr | $1108.64 $13,304/yr | $1219.79 $14,638/yr |
| $3M | $567.95 $6,815/yr | $716.68 $8,600/yr | $856.67 $10,280/yr | $1329.09 $15,949/yr | $1462.50 $17,550/yr |
| $3.5M | $661.45 $7,937/yr | $834.96 $10,020/yr | $998.33 $11,980/yr | $1549.54 $18,594/yr | $1705.21 $20,462/yr |
| $4M | $754.95 $9,059/yr | $953.25 $11,439/yr | $1140.00 $13,680/yr | $1769.98 $21,240/yr | $1947.92 $23,375/yr |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Female Rates — Age 40
Preferred Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $9.13 $110/yr | $9.44 $113/yr | $10.94 $131/yr | $14.17 $170/yr | $14.83 $178/yr |
| $200K | $11.52 $138/yr | $12.42 $149/yr | $15.07 $181/yr | $21.46 $258/yr | $22.96 $276/yr |
| $300K | $14.20 $170/yr | $16.40 $197/yr | $19.76 $237/yr | $26.19 $314/yr | $30.18 $362/yr |
| $400K | $16.35 $196/yr | $19.54 $234/yr | $24.01 $288/yr | $32.89 $395/yr | $38.21 $458/yr |
| $500K | $19.15 $230/yr | $23.11 $277/yr | $28.32 $340/yr | $39.06 $469/yr | $44.69 $536/yr |
| $600K | $21.43 $257/yr | $26.52 $318/yr | $32.77 $393/yr | $45.66 $548/yr | $52.41 $629/yr |
| $700K | $23.90 $287/yr | $29.93 $359/yr | $37.21 $447/yr | $52.25 $627/yr | $60.13 $722/yr |
| $800K | $26.28 $315/yr | $33.31 $400/yr | $41.66 $500/yr | $58.85 $706/yr | $67.85 $814/yr |
| $900K | $28.65 $344/yr | $36.64 $440/yr | $46.11 $553/yr | $65.45 $785/yr | $75.57 $907/yr |
| $1M | $29.80 $358/yr | $38.56 $463/yr | $49.88 $599/yr | $71.67 $860/yr | $84.11 $1,009/yr |
| $1.1M | $32.12 $385/yr | $41.81 $502/yr | $54.26 $651/yr | $78.23 $939/yr | $91.91 $1,103/yr |
| $1.2M | $34.43 $413/yr | $45.06 $541/yr | $58.63 $704/yr | $84.79 $1,017/yr | $99.71 $1,197/yr |
| $1.3M | $36.75 $441/yr | $48.30 $580/yr | $63.01 $756/yr | $91.34 $1,096/yr | $107.51 $1,290/yr |
| $1.4M | $39.06 $469/yr | $51.55 $619/yr | $67.39 $809/yr | $97.90 $1,175/yr | $115.32 $1,384/yr |
| $1.5M | $41.51 $498/yr | $54.78 $657/yr | $71.54 $858/yr | $104.81 $1,258/yr | $123.01 $1,476/yr |
| $1.6M | $43.87 $526/yr | $58.03 $696/yr | $75.90 $911/yr | $111.39 $1,337/yr | $130.81 $1,570/yr |
| $1.7M | $46.22 $555/yr | $61.27 $735/yr | $80.27 $963/yr | $117.97 $1,416/yr | $138.60 $1,663/yr |
| $1.8M | $48.58 $583/yr | $64.52 $774/yr | $84.63 $1,016/yr | $124.56 $1,495/yr | $146.40 $1,757/yr |
| $1.9M | $50.93 $611/yr | $67.76 $813/yr | $88.99 $1,068/yr | $131.14 $1,574/yr | $154.19 $1,850/yr |
| $2M | $53.28 $639/yr | $71.01 $852/yr | $93.36 $1,120/yr | $137.72 $1,653/yr | $161.99 $1,944/yr |
| $2.5M | $65.05 $781/yr | $87.67 $1,052/yr | $115.64 $1,388/yr | $171.09 $2,053/yr | $200.93 $2,411/yr |
| $3M | $76.82 $922/yr | $103.87 $1,246/yr | $137.55 $1,651/yr | $204.09 $2,449/yr | $239.84 $2,878/yr |
| $3.5M | $88.59 $1,063/yr | $120.07 $1,441/yr | $159.46 $1,913/yr | $237.10 $2,845/yr | $278.75 $3,345/yr |
| $4M | $100.36 $1,204/yr | $136.27 $1,635/yr | $181.37 $2,176/yr | $270.10 $3,241/yr | $317.66 $3,812/yr |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Standard Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $11.88 $143/yr | $13.18 $158/yr | $14.78 $177/yr | $18.49 $222/yr | $21.67 $260/yr |
| $200K | $16.96 $204/yr | $19.47 $234/yr | $22.81 $274/yr | $30.94 $371/yr | $36.40 $437/yr |
| $300K | $20.19 $242/yr | $25.08 $301/yr | $27.65 $332/yr | $41.59 $499/yr | $44.90 $539/yr |
| $400K | $24.57 $295/yr | $31.37 $376/yr | $34.84 $418/yr | $53.35 $640/yr | $57.84 $694/yr |
| $500K | $28.82 $346/yr | $37.37 $448/yr | $41.23 $495/yr | $62.87 $754/yr | $69.57 $835/yr |
| $600K | $33.37 $400/yr | $43.63 $524/yr | $48.26 $579/yr | $74.22 $891/yr | $82.26 $987/yr |
| $700K | $37.92 $455/yr | $49.88 $599/yr | $55.29 $663/yr | $85.58 $1,027/yr | $94.96 $1,139/yr |
| $800K | $42.47 $510/yr | $56.14 $674/yr | $62.32 $748/yr | $96.94 $1,163/yr | $107.65 $1,292/yr |
| $900K | $47.01 $564/yr | $62.40 $749/yr | $69.35 $832/yr | $108.29 $1,300/yr | $120.35 $1,444/yr |
| $1M | $50.62 $607/yr | $67.15 $806/yr | $75.81 $910/yr | $116.80 $1,402/yr | $130.72 $1,569/yr |
| $1.1M | $55.07 $661/yr | $73.26 $879/yr | $82.78 $993/yr | $127.87 $1,534/yr | $143.15 $1,718/yr |
| $1.2M | $59.53 $714/yr | $79.37 $952/yr | $89.76 $1,077/yr | $138.94 $1,667/yr | $155.59 $1,867/yr |
| $1.3M | $63.98 $768/yr | $85.48 $1,026/yr | $96.73 $1,161/yr | $150.01 $1,800/yr | $168.02 $2,016/yr |
| $1.4M | $68.43 $821/yr | $91.58 $1,099/yr | $103.70 $1,244/yr | $161.08 $1,933/yr | $180.45 $2,165/yr |
| $1.5M | $71.60 $859/yr | $97.26 $1,167/yr | $110.41 $1,325/yr | $172.50 $2,070/yr | $192.56 $2,311/yr |
| $1.6M | $75.94 $911/yr | $103.34 $1,240/yr | $117.36 $1,408/yr | $183.60 $2,203/yr | $204.97 $2,460/yr |
| $1.7M | $80.28 $963/yr | $109.42 $1,313/yr | $124.32 $1,492/yr | $194.69 $2,336/yr | $217.38 $2,609/yr |
| $1.8M | $84.62 $1,015/yr | $115.50 $1,386/yr | $131.27 $1,575/yr | $205.79 $2,469/yr | $229.79 $2,758/yr |
| $1.9M | $88.97 $1,068/yr | $121.58 $1,459/yr | $138.23 $1,659/yr | $216.88 $2,603/yr | $242.20 $2,906/yr |
| $2M | $93.31 $1,120/yr | $127.65 $1,532/yr | $145.18 $1,742/yr | $227.97 $2,736/yr | $254.61 $3,055/yr |
| $2.5M | $115.71 $1,389/yr | $158.51 $1,902/yr | $180.42 $2,165/yr | $283.91 $3,407/yr | $317.03 $3,804/yr |
| $3M | $137.57 $1,651/yr | $189.00 $2,268/yr | $215.29 $2,583/yr | $339.48 $4,074/yr | $379.16 $4,550/yr |
| $3.5M | $159.42 $1,913/yr | $219.48 $2,634/yr | $250.16 $3,002/yr | $395.04 $4,741/yr | $441.28 $5,295/yr |
| $4M | $181.27 $2,175/yr | $249.97 $3,000/yr | $285.02 $3,420/yr | $450.61 $5,407/yr | $503.41 $6,041/yr |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
Standard Tobacco Health Class
| Coverage | 10 Year | 15 Year | 20 Year | 25 Year | 30 Year |
|---|---|---|---|---|---|
| $100K | $24.33 $292/yr | $29.58 $355/yr | $33.92 $407/yr | $46.09 $553/yr | $49.11 $589/yr |
| $200K | $42.00 $504/yr | $52.50 $630/yr | $61.17 $734/yr | $85.74 $1,029/yr | $90.54 $1,086/yr |
| $300K | $55.02 $660/yr | $67.81 $814/yr | $81.02 $972/yr | $108.96 $1,308/yr | $123.26 $1,479/yr |
| $400K | $71.05 $853/yr | $88.14 $1,058/yr | $105.72 $1,269/yr | $143.15 $1,718/yr | $162.29 $1,948/yr |
| $500K | $84.30 $1,012/yr | $103.19 $1,238/yr | $118.32 $1,420/yr | $170.83 $2,050/yr | $192.21 $2,307/yr |
| $600K | $99.77 $1,197/yr | $122.47 $1,470/yr | $140.70 $1,688/yr | $203.71 $2,445/yr | $229.36 $2,752/yr |
| $700K | $115.24 $1,383/yr | $141.75 $1,701/yr | $163.08 $1,957/yr | $236.59 $2,839/yr | $266.50 $3,198/yr |
| $800K | $130.71 $1,569/yr | $161.03 $1,932/yr | $185.46 $2,226/yr | $269.48 $3,234/yr | $303.60 $3,643/yr |
| $900K | $146.18 $1,754/yr | $180.31 $2,164/yr | $207.84 $2,494/yr | $302.36 $3,628/yr | $340.68 $4,088/yr |
| $1M | $144.85 $1,738/yr | $189.02 $2,268/yr | $219.15 $2,630/yr | $329.16 $3,950/yr | $372.49 $4,470/yr |
| $1.1M | $156.09 $1,873/yr | $207.25 $2,487/yr | $240.42 $2,885/yr | $361.43 $4,337/yr | $409.05 $4,909/yr |
| $1.2M | $169.70 $2,036/yr | $225.49 $2,706/yr | $261.70 $3,140/yr | $393.71 $4,724/yr | $445.60 $5,347/yr |
| $1.3M | $183.30 $2,200/yr | $243.73 $2,925/yr | $282.97 $3,396/yr | $425.98 $5,112/yr | $482.16 $5,786/yr |
| $1.4M | $196.91 $2,363/yr | $261.97 $3,144/yr | $304.24 $3,651/yr | $458.25 $5,499/yr | $518.71 $6,225/yr |
| $1.5M | $210.54 $2,527/yr | $280.22 $3,363/yr | $325.54 $3,907/yr | $491.07 $5,893/yr | $555.28 $6,663/yr |
| $1.6M | $224.15 $2,690/yr | $298.46 $3,582/yr | $346.82 $4,162/yr | $523.38 $6,281/yr | $591.84 $7,102/yr |
| $1.7M | $237.76 $2,853/yr | $316.70 $3,800/yr | $368.09 $4,417/yr | $555.69 $6,668/yr | $628.39 $7,541/yr |
| $1.8M | $251.37 $3,016/yr | $334.94 $4,019/yr | $389.37 $4,672/yr | $588.00 $7,056/yr | $664.95 $7,979/yr |
| $1.9M | $264.98 $3,180/yr | $353.18 $4,238/yr | $410.64 $4,928/yr | $620.31 $7,444/yr | $701.51 $8,418/yr |
| $2M | $278.58 $3,343/yr | $371.42 $4,457/yr | $431.92 $5,183/yr | $652.62 $7,831/yr | $738.06 $8,857/yr |
| $2.5M | $352.66 $4,232/yr | $463.08 $5,557/yr | $538.99 $6,468/yr | $814.89 $9,779/yr | $921.30 $11,056/yr |
| $3M | $421.86 $5,062/yr | $554.36 $6,652/yr | $645.50 $7,746/yr | $976.59 $11,719/yr | $1104.18 $13,250/yr |
| $3.5M | $491.07 $5,893/yr | $645.65 $7,748/yr | $752.02 $9,024/yr | $1138.29 $13,659/yr | $1287.05 $15,445/yr |
| $4M | $560.27 $6,723/yr | $736.94 $8,843/yr | $858.53 $10,302/yr | $1299.98 $15,600/yr | $1469.92 $17,639/yr |
* Fewer than 3 carriers offered this combination, so this rate is based on limited data.
How These Rates Are Calculated
We quote every combination of age, gender, coverage amount, term length, and health class across multiple top-rated life insurance carriers. Each rate you see is the average of the 2–3 lowest quotes—a realistic picture of what a healthy applicant is likely to pay. These rates are for Texas residents. The data behind this page comes from thousands of individual carrier quotes.
Frequently Asked Questions
How much does life insurance go up after 40?
The jump from your 30s to your 40s is one of the most noticeable increases in term life pricing. You can expect to pay roughly 40–60% more at 40 than you would have at 35 for the same coverage—and the increases accelerate from here. By 50, rates are typically 2–3 times what they were at 35. If you’re 40 and uninsured, every year you wait adds meaningfully to your lifetime premium cost.
What does term life insurance cost for a 40-year-old?
The cost has gone up noticeably from your 30s, but term life is still far cheaper than most people assume. The lowest rate at 40 in our data is $9.13/mo for a $100K 10-year term with Preferred health. For a $500,000 20-year policy, expect about $34.15/mo for men and $28.32/mo for women in Preferred health. The tables above show every combination so you can find exactly what fits your budget.
Should I get a 10-year or 20-year term at 40?
It depends on your remaining financial obligations. If your kids will be independent in 10 years and your mortgage is nearly paid off, a 10-year term saves you money. If you still have 15+ years of mortgage payments or younger children, a 20-year term provides more complete protection. Compare both in the tables above—the monthly difference may be smaller than you think, and the extra decade of coverage could matter.
Will I qualify for Preferred rates?
Preferred class typically requires: no tobacco use in the past 12 months, healthy BMI, normal blood pressure and cholesterol (with or without medication in some cases), no major health conditions, and a clean driving record. If you’re in good overall health at 40, you have a solid shot at Preferred. Even if you land in Standard, rates are still very workable—check both classes in the tables above.
Is $1 million of coverage realistic at 40?
Absolutely. $1 million is one of the most commonly purchased coverage amounts for people in their 40s, and it’s readily available from all major carriers. A $1M 20-year Preferred policy at 40 runs about $60.81/mo for men. For many families with a mortgage and children, $1 million is actually the minimum recommended amount.
Your Rate Could Be Even Lower
These are market averages. Your actual premium depends on your health, lifestyle, and the carrier. Get a free, no-obligation quote tailored to you.
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