This term life insurance age 40 – 44 review will show you the best prices for people in their early forties. It’s difficult to find the best deal for term life insurance by searching for the lowest rates. You won’t possibly qualify for the best rates you see on the Web or the low rates advertised by some agents or life insurance companies. For example, $300,000 of term life insurance for as little as $15 a month, may turn into a whole lot more for you, when your application is approved by the life insurance company. You may be in very good health, but still not qualify for a life insurance company’s lowest rates. You can’t shop based on price until you know the best price for which you qualify, with each term life insurance company.

Almost all agents and companies you contact will brag about their competitive term life insurance rates, but some companies charge much more than others for the same coverage. A $ 400,000 20 year term life insurance policy for a 40 year old female non-smoker at standard rates costs $530 a year with EMC National Life Company, $562 with United of Omaha Life Insurance Company (Mutual of Omaha), $619 with AAA Life Insurance Company, and $719 with Nationwide Life and Annuity Insurance Company. Change one thing, like the amount of coverage, length of the term, the health class, age, sex, etc., & the companies with the most competitive rates will change. This blog post reviews the best term life insurance rates for men & women age 40 to 44, for smokers and non-smokers, so you know if you are quoted a competitive price, when you are shopping for term life insurance.

As I stated earlier in this review, finding the lowest priced term life insurance rates online does not mean you’ll get the lowest price. Your goal should be to get the best price for which you qualify, based on your health and health history. However, once you have received term life insurance quotes from several agents, you can use the rate information in this review, to see which agents quoting you represent companies with competitive rates for your situation.

Term Life Insurance Age 40 – 44 Review: How to use the pricing information in this review

One of the biggest factors driving term life insurance rates is the health rating class for which you qualify. Most term life insurance companies have four rating classes for healthy non-smokers. In order from best to worst, they are usually called preferred plus, preferred, standard plus, & standard. Smokers may qualify for standard or preferred tobacco user rate classes.

Each life insurance company has its own rules for qualifying for its health rate classes. You could qualify for preferred plus with one company, but only preferred rates with another company. Each company has its own rates, so one company’s standard plus rates may be higher than another company’s standard rates. Don’t worry about trying to figure out which health rating class you qualify for with which company. By consulting experienced life insurance agents, and answering their questions about your health, medications, & family medical history, they can tell you the rates and health class for which you are likely to qualify. By using the expertise & market knowledge of several agents, you can consider the information each agent gives you, and discuss what you are told with other agents, to make sure you are getting accurate information.

For example, several agents, after asking you health questions, explain why they are quoting you standard rates. But one or two agents you contact ask fewer health questions and quote you preferred rates at a lower price. You should be suspicious about qualifying for the lower preferred rates, and discuss it with the other agents quoting you. Comparing the information you are given by each agent with other agents will help you sort out the good agents from the bad agents.

However, getting competing quotes from several life insurance agents is no guarantee any of the agents represent a company with competitive rates for your situation and needs. This review will give you the pricing information for the lowest term life insurance standard rates, so you can compare it with the term life insurance rates agents quote you. If all of the quotes cost more than the standard rates I show you in this review, you know you should keep shopping to find a better deal, unless your health situation disqualifies you from qualifying for at least standard rates with most companies.

Term life insurance quotes about the same rate or less than the prices in this review are competitive. The better health rate class for which you qualify, such as preferred or preferred plus, the lower your quote should be below the best standard rates shown in this review. For example, the best standard rate for a $500,000 twenty year term life insurance policy for a male 41 year-old non-smoker is $868.90 a year with TIAA-CREF Life Insurance Company, but the price is lower, at $665 a year, with Columbus Life Insurance Company, if you qualify for standard plus rates with that company. However, if all the companies are quoting you standard rates higher than the $868.90 for a 41 year old male non-smoker I show in this review, you’ll know you should keep shopping.

Here’s the pricing information, current as of the publishing date of this review, for 1. Male Non-smokers, 2. Male Smokers, 3. Female Non-smokers, & 4. Female Smokers:

1. Male Non-smoker, Age 40 to 44

The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $435 If paying monthly: $37.85

Age 41 If paying annually: $472.50 If paying monthly: $41.11

Age 42 If paying annually: $515 If paying monthly: $44.81

Age 43 If paying annually: $565 If paying monthly: $49.16

Age 44 If paying annually: $612.50 If paying monthly: $53.13

The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $795 If paying monthly: $68.77

Age 41 If paying annually: $868.90 If paying monthly: $75.69

Age 42 If paying annually: $949.70 If paying monthly: $82.61

Age 43 If paying annually: $1,038 If paying monthly: $90.83

Age 44 If paying annually: $1,134,50 If paying monthly: $99.27

The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $1,495 If paying monthly: $129.32

Age 41 If paying annually: $1,645 If paying monthly: $143.16

Age 42 If paying annually: $1,803.50 If paying monthly: $157.81

Age 43 If paying annually: $1,971.10 If paying monthly: $172.47

Age 44 If paying annually: $2,154.20 If paying monthly: $187

2. Male Smoker, Age 40 to 44

The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $949 If paying monthly: $81.90

Age 41 If paying annually: $1,028 If paying monthly: $88.72

Age 42 If paying annually: $1,128 If paying monthly: $97.35

Age 43 If paying annually: $1,244 If paying monthly: $107.36

Age 44 If paying annually: $1,373 If paying monthly: $118.49

The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $1,719 If paying monthly: $148.35

Age 41 If paying annually: $1,873 If paying monthly: $161.64

Age 42 If paying annually: $2,068 If paying monthly: $178.47

Age 43 If paying annually: $2,294 If paying monthly: $197.97

Age 44 If paying annually: $2,548 If paying monthly: $219.89

The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $3,259 If paying monthly: $281.25

Age 41 If paying annually: $3,563 If paying monthly: $307.49
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Age 42 If paying annually: $3,948 If paying monthly: $340.71

Age 43 If paying annually: $4.394 If paying monthly: $379.20

Age 44 If paying annually: $4,898 If paying monthly: $422.70

3. Female Non-smoker, Age 40 to 44

The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $350 If paying monthly: $31.15

Age 41 If paying annually: $382.50 If paying monthly: $33.74

Age 42 If paying annually: $420 If paying monthly: $36.33

Age 43 If paying annually: $445 If paying monthly: $38.46

Age 44 If paying annually: $475 If paying monthly: $40.59

The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $650 If paying monthly: $57.31

Age 41 If paying annually: $700 If paying monthly: $60.55

Age 42 If paying annually: $755 If paying monthly: $65.31

Age 43 If paying annually: $815 If paying monthly: $70.50

Age 44 If paying annually: $865 If paying monthly: $74.80

The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $1,150 If paying monthly: $102.35

Age 41 If paying annually: $1,280 If paying monthly: $112.02

Age 42 If paying annually: $1,395 If paying monthly: $120.67

Age 43 If paying annually: $1,514.80 If paying monthly: $131.05

Age 44 If paying annually: $1,615 If paying monthly: $139.70

4. Female Smoker, Age 40 to 44

The Best Standard Rates for a $250,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $780 If paying monthly: $68.25

Age 41 If paying annually: $842.60 If paying monthly: $73.73

Age 42 If paying annually: $910.25 If paying monthly: $79.65

Age 43 If paying annually: $983.30 If paying monthly: $86.04

Age 44 If paying annually: $1,062.23 If paying monthly: $92.94

The Best Standard Rates for a $500,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $1,459.25 If paying monthly: $127.68

Age 41 If paying annually: $1,571.60 If paying monthly: $137.52

Age 42 If paying annually: $1,692.65 If paying monthly: $148.11

Age 43 If paying annually: $1,822.95 If paying monthly: $159.51

Age 44 If paying annually: $1,963.30 If paying monthly: $171.79

The Best Standard Rates for a $1,000,000 20 Year Term Life Insurance Policy

Age 40 If paying annually: $2,786.80 If paying monthly: $243.85

Age 41 If paying annually: $3,011.30 If paying monthly: $263.49

Age 42 If paying annually: $3,253.80 If paying monthly: $284.71

Age 43 If paying annually: $3,515.80 If paying monthly: $307.63

Age 44 If paying annually: $3,799 If paying monthly: $332.41

Thanks for reading this term life insurance rates review for people 40 to 44 years old. As with auto & home insurance, you’ll find some term life insurance companies charge more than double the price of other companies for the same term life insurance coverage, and no single insurance company has the best rates for everyone.

What do you think about this term life insurance rates review for people in their early to mid forties? Comment on my facebook page. If you have questions and would like my help, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.