41 Year Old Sample Life Insurance Rate

Sample Term Life Insurance Rates for a 41 Year Old Male Level Term Life Insurance is the type of insurance suggested by most. Simple, Affordable, Easy to purchase and set for given amount of years. Term Life Insurance should be purchased for both mom and dad, working or not. But how much is life insurance for a 41 year old male? This article Sample Term Life Insurance Rates for a 41 Year Old Male was created to help give you a snapshot of pricing and class options available.

41 Year Old Sample Life Insurance Rate Male, Preferred Plus:

For a forty one year old male that does not smoke, is in perfect health, takes more or less no medications, fits the typical healthy height weight guides, and has a clean family history of cancers, strokes, heart attacks and other diseases, you may be able to qualify for Preferred Plus. There are other health limitation in this best class that is available. They include stringent requirements for blood pressure and cholesterol. Typically dangerous jobs and activities would not be offered preferred plus pricing.

Male California Rates, $500K in Coverage
Preferred Plus Non Smoker
10 Year Term	$232.00
15 Year Term	$272.00
20 Year Term	$378.00
25 Year Term	$585.00
30 Year Term	$679.00

41 Year Old Sample Life Insurance Rate Male, Preferred:

Preferred Non Smoker might be offered to someone that has a slightly less healthy lifestyle or perhaps someone whose blood pressure numbers, cholesterol, or other medical numbers are not quite as clean. Perhaps for a family with an early history or heart disease, cancer, etc. This second best class is still considered to be very good pricing. For men that don’t smoke in their 40s this can be a nice place/price to be.

Male California Rates, $500K in Coverage
Preferred Non Smoker
10 Year Term	$330.00
15 Year Term	$368.00
20 Year Term	$480.00
25 Year Term	$685.00
30 Year Term	$828.00

41 Year Old Sample Life Insurance Rate Male, Regular Plus:

The Regular plus is a slight notch above Standard non smoker rates. It is for candidates that have more general health issues, perhaps are on some prescriptions, or perhaps have some test results that are less than optimal. Regular Plus may also accommodate clients that have some family history of heart or liver disease, cancer, etc. Sometimes one insurance company will be willing to offer an insurance policy in the regular plus category where all other insurance companies would only offer up a standard non smoker policy.

Male California Rates, $500K in Coverage
Standard Plus Non Smoker
10 Year Term	$415.00
15 Year Term	$489.00
20 Year Term	$659.00
25 Year Term	$925.00
30 Year Term	$1,124.00

“Any Term Life Insurance is Better Than No Life Insurance.”

41 Year Old Sample Life Insurance Rate Male, Standard:

The Standard 41 Year Old Smoker rate is a somewhat common one for men in their 40s. Men with higher cholesterol numbers, on some combination of medicines. Or perhaps does a minimum of dangerous activities. The standard non smoker rate is the highest of the non tabled Non Smoker rates. The bright side of being offered a standard rate is that level term life insurance at this rating is still very affordable when compared with either smoking rates and table rates. Additionally Standard 41 Year Old Life Term Life Insurance rates are far less than their more expensive, more complicated cousin: Whole Life Insurance.

Male California Rates, $500K in Coverage
Standard Non Smoker
10 Year Term	$463.00
15 Year Term	$590.00
20 Year Term	$758.00
25 Year Term	$994.00
30 Year Term	$1,369.00

41 Year Old Sample Life Insurance Rate Male Smoker:

Term Life Insurance Rates for Smokers can be complex and a bit confusing. Why? Well, on top of all the regular underwriting, we need to assess how much you smoke and what you smoke. We offer up best pricing for smokers only in this article as we will explore the topic further in another article. For life insurance, smoking is pretty expensive. There are other classes of smoker as well, these presented are the lowest potential rates.

Male California Rates, $500K in Coverage
Preferred Smoker
10 Year Term	$998.00
15 Year Term	$1,269.00
20 Year Term	$1,685.00
25 Year Term	$2,330.00
30 Year Term	$2,764.00

Best Life Insurance for a 40 + Year Old Male:

For men in their forties deciding what type of life insurance is best can be difficult. No less so for a forty one year old. In general, buying term life is a very smart choice. Assuming you do, then the rest of decisions of exactly to buy can be pretty simple. One is left with making only two main decisions: Policy Length and Term Benefit amount.

Forty One Year Old Best Term Life Policy Length:

How Long should a 41 Year Old purchase level term life insurance for? Each person’s decision is unique. The best way to determine the length of term life needed is a needs based analysis. However the simplest answer for many 41 year olds is to Purchase Term Life for the Length it take your youngest child to get out of the house and into college or their first job. For a parent of a newborn that may mean buying a 20 year term life policy. Perhaps a 25 year term. For young people aspiring but do not currently have children perhaps a 30 year term policy may make sense.

For Couples that do not have kids but that want a little protection for their loved one, a length of time based on some financial goal may make the most sense.

Forty One Year Old Best Term Benefit Amount:

How much life insurance should you buy? Historically you should buy enough term life to replace your income for ten years. That has been the old go to estimate for general insurance. Its not a bad general amount. For wealthier individuals that have amasses savings, the formula is more complicated. The ten year term benefit rule though is useful. It should also be considered next to the affordability for the clients. For many ten times earning might not be reasonable. It will greatly depend on what class of insurance you are offered perhaps.

One thing to keep in mind is that in general just about any term life insurance is better than no life insurance. Speak with us about benefit amounts and coverage lengths. Not all peoples situations are so simple.

Why Term Life?

Term life, as opposed to the more complex whole life insurance is a simple and affordable type of life insurance. Whereas Whole Life builds up cash value, Term Life does not. Whereas Whole Life is sold, Term Life is often bought. Whole life can be thought of as a mixture of cash investment with an insurance component. Term Life has none of this. Term life insurance is pure insurance. For people that qualify, term life is the right choice for the vast majority of Americans.

Oh, did we mention that Term Life Insurance can cost up to 1/20 the cost of Whole Life Insurance?

Notes:

These rates are based on April 2017 pricing from the open independent life insurance market. Based on California Rates. Quotes are not offers of Insurance and underwriting is always required. Please see our disclaimer. Not everyone will qualify for term life insurance.