Life Insurance Policy 45

Life insurance for 45-year-olds starts at $63 per month for men and $49 per month for women. This will get you a 20-year term policy with $500,000 in coverage. Rates will vary based on health, medical history, and other factors.. If over 45 and a half, please see age 46 quotes, since most life insurance carriers set rates by nearest age. Backdating a policy up to six months to save previous age is generally permitted. Backdating a policy up to six months to save previous age is generally permitted.. Life Insurance At Age 45 - Your Options. You have two basic options for life insurance at age 45 - term life insurance and permanent life insurance. Term life insurance is temporary coverage that can last anywhere from one year or as long as 30 years, depending on the company that you choose.. Here are some examples of life insurance rates if you are 40 years of age or older: A 20 year level term policy for a 45 year old man, non smoker, in good health, in the amount of $500,000 will cost only $58 per month.. Northwestern Mutual is the largest direct writer of life insurance in the United States. It offers policy dividends payments for its whole life insurance policy. Northwestern Mutual received a 4-out-of-5 score in a recent customer satisfaction rating from J.D. Power & Associates. The waiver of premium rider from Northwestern Mutual is available, which pays your insurance premium should you suffer a disabling injury..

Had the same client waited to investigate his options for life insurance at 49 years old, the premium would shoot up to $152.00 per month..and that’s if he’s still in good health. The difference over a 30 year term is a whopping $28,440.00! The bottom line is,.... The term life insurance quotes below are for a 20-year term life insurance policy with a death benefit of $500,000. Through our findings, you can see that the increase in monthly premiums as you age is much smaller if you are young, compared to when you are older..

If you are interested in a Whole Life or Permanent policy, please select or contact a State Farm Agent (855-980-8053) (855-980-8053) . You can also convert your term policy to permanent coverage up to the later of the anniversary when the insured is age 75 or 5 years after issue - no matter your state of health..