Term Life Insurance for 45 Year Old Males

term life insurance for 45 year old males

When you reach middle age–your 40s–though you are still young with a long life ahead, you start thinking about the future and begin to make some arrangements for your retirement. 

It is this time in your life when you are more concerned with your mortality, and what happens if you are not there to take care of your family and financial responsibilities for them

Will your spouse be able to take care of the kids, their college and mortgage expenses without you?

This is where life insurance comes into play. Securing life coverage now, while you’re still under 50, will help you build a secure future for your family. College funds and mortgage expenses will be covered, in the event of your premature death.

Cheap Life Insurance Quotes for 45-Year-Old Males

Term life insurance rates are relatively reasonable at most ages. In your forties, rates for a 20-year policy are quite affordable for men in good health. 

For example, a 20-year term life insurance policy for a 45-year-old male, non-smoker, will cost around $70 per month for $500,000 of coverage. 

Click here to get instant life insurance quotes

By using the free life quote calculator on the left, you can easily decide how much life insurance you will need to cover your expenses.

A LifeQuote licenced representative can also discuss the option of purchasing a no exam policy versus a fully underwritten policy requiring a medical exam. Often people with chronic health issues like hypertension, high cholesterol, high blood sugar may be rated a higher premium for this kind of policy but getting coverage is possible.

Below we have provided some sample rates for your review. Keep in mind these are only sample rates and should be used as a guideline. There is a daily fluctuation in rates and the most accurate way to find them is to use our free lifequote calculator.

Term life insurance for a 45 year old male non-smoker, monthly rates:


$200,000 $300,000 $400,000 $500,000
10 year term $14.15 $23.54 $27.76 $35.53 $42.47
20 year term $20.56 $38.50 $44.70 $58.28



Term life insurance for a 45 year old male smoker, monthly rates:

$100,000 $200,000 $300,000 $400,000 $500,000
10 year term $26.34 $47.43 $68.51 $89.60 $110.65
20 year term $40.26 $75.08 $109.89 $144.80 $179.71

Best Term Life Insurance for 45 Year Old Males:

Before choosing a term life insurance, you need to determine the purpose of getting it. Is it only to supplement your income for your family’s benefit? Or are there any other expenses like mortgage, debts and college funds which are to be taken care off?

After figuring out how much you need, decide on the term of coverage. 10 years, 15 years, 20 years or more, it again depends on why you are buying life policy. There are many options to choose from, go for something that is best catered to your needs and affordable. It is always better to have some coverage than no coverage at all.

How to Save Money on Life Insurance:

The best way to save some your hard earned dollars is to get help from an independent life insurance broker. They work with dozens of top-rated life insurance companies and help you find the best rates possible.

At LifeQuote, our #1 priority is to find you the best life insurance company with the best rates. We truly are experts at this as we have helped millions of people in getting the best life insurance rates. Give us a chance to prove our expertise and see if we can save you thousands of dollars on life coverage.

Thank you for reading our article on “term life insurance rates for 45-year-old males”. If you have any questions or suggestions, please use the comments section below or visit our life insurance quotes page to see what we can do for you!

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