What Is The Longest Term Life Insurance Policy?

Term life insurance is a great way to provide financial protection for your loved ones in case of an unexpected death. A 40-year term life insurance policy can offer coverage for a longer period while being more affordable than permanent life insurance. However, only two insurance companies offer 40-year terms: Protective Life Insurance and Legal & General (a.k.a Banner Life). If you’re working with a captive agent, you won’t have a 40-year term option. Work with an independent life insurance broker to get the most options and best price. It’s possible to get a no-exam 40-year term life insurance policy with accelerated underwriting programs for eligible applicants.

Age/GenderMonthly Cost for $250,000 Coverage
35-year-old maleUnder $38
45-year-old maleUnder $75
35-year-old femaleUnder $31
45-year-old femaleUnder $56

Although a 40-year term is not available for everyone and premiums increase as the term lengthens, it can provide peace of mind for you and your loved ones. If you’re age 45 and younger, you can easily find out how much a 40-year term policy may cost you. If you’re older than 45, there are 35-year term policies available until age 50, and policies ranging from 10-30 years are also available. Quotacy, an independent broker, has access to products from multiple top-rated life insurance companies and can help you find the best policy for your family’s needs.

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