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Life Insurance for Males 44 Years of Age | Don’t Pay More Than You Have To

term life insurance 44 year old male

Most males that are 44 years of age will likely end up overpaying for their life insurance. Why? Every life insurance company has their own set of underwriting guidelines and niches, so unless you choose the correct company for your situation, i.e. health, height & weight and lifestyle factors, you are likely going to end up paying more than you need to.

 What steps can you take to ensure you don’t end up overpaying?

The only way is to shop around and compare rates — make the top rated life insurance companies compete for your business.  To save you time, I put a quote engine on this page that compares the best life insurance companies in the country for your particular age and heath.

 

Sample term life insurance premiums for a 44-year-old male, price range from great to average health.  

$250,000 Coverage-Level Term Policy

                   Preferred Plus Rate       Standard Rate

10 year term   $16.31                         $28.71

15 year term   $20.66                          $37.63

20 year term   $26.54                          $49.16

30 year term    $41.11                         $83.74

 

$500,000 Coverage-Level Term Policy

                   Preferred Plus Rate       Standard Rate

10 year term   $27.41                          $52.20

15 year term   $36.11                          $70.04

20 year term    $47.85                         $95.76

30 year term    $77.00                         $162.75

 

$750,000 Coverage-Level Term Policy

                   Preferred Plus Rate       Standard Rate

10 year term   $38.50                        $75.69

15 year term   $51.55                        $102.44

20 year term   $69.17                        $140.76

30 year term    $112.88                     $241.28

 

$1,000,000 Coverage-Level Term Policy

                   Preferred Plus Rate       Standard Rate

10 year term   $45.24                           $97.44

15 year term   $65.25                           $131.37

20 year term   $89.61                           $175.74

30 year term   $147.03                         $304.94

 

How Can You Compare Rates?

Use the quoting software to compare rates and see how much coverage you can get for your budget.  Instant Quote

 

*Rates as of 02/06/2013. The information in this post is for informational purposes only and is not a guarantee of rates and insurability.  Rates and eligibly are subject to the underwriting guidelines of the insurance companies and state in which you live.