Term Life Insurance Rates for 46-Year-Olds

20-Year Term Life Insurance Cost (Men; Age 46)

At age 46, the cost of 20-year term life insurance for a non-smoking male varies based on the amount of coverage. For example, Mutual of Omaha offers coverage of $25,000 annually for a monthly rate of $19, while Prosperity Life offers coverage of $50,000 for a monthly rate of $25, $100,000 for a monthly rate of $42, and finally $250,000 for a monthly rate of $95.

30-Year Term Life Rates (Male; Age 46)

For those who are 46 years old and are looking for 30-year term life insurance, the cost can vary significantly depending on the coverage amount and the company providing the policy. A $25,000 policy from Mutual of Omaha would cost $24 each month, while a $50,000 policy from American Amicable costs $32 each month

If someone wanted a $100,000 policy, the monthly rate would increase to $58 per month. For a $250,000 policy, the monthly rate would be $132, more than five times the cost of the $25,000 policy. These numbers demonstrate that term life insurance can be a great option for those looking for coverage, as the cost increases in relation to the amount of coverage chosen.

20-Year Life Insurance Pricing (Male Tobacco; Age 46)

The table above presents the information of term life insurance rate for male smokers, aged 46. The term ranges from 20 years with coverage amounts of $25,000, $50,000, $100,000, and $250,000

Two insurance providers are identified: Mutual of Omaha and Prosperity Life. For Mutual of Omaha, the policy holder would have to pay $32 per month for $25,000 coverage. For Prosperity Life, the policy holder would have to pay $56 for $50,000 coverage, $104 for $100,000 coverage, and $250 for $250,000 coverage.

30-Year Term Rates (Male Smokers; Age 46)

For male smokers age 46, there are several options for 30-year term life insurance. Mutual of Omaha offers a $25,000 coverage option for $42 a month. Prosperity Life offers a range of term life insurance coverage options that increase with the amount of the coverage

For $50,000 coverage, the monthly rate is $76. For $100,000 coverage, the rate is $145. And for $250,000 coverage, the rate is $352 per month.

20-Year Term Premiums (Women; Age 46)

This table provides detailed information on the monthly cost of a 20-year term life insurance policy for a 46-year-old woman who does not smoke. The table indicates that for a woman of this age, a Mutual of Omaha policy for $25,000 in coverage costs $18 a month, while Prosperity Life has policies of $50,000, $100,000, and $250,000 coverage available, costing $20, $32, and $70 a month, respectively

This shows that the cost of the insurance surprisingly increases as the amount of coverage increases.

30-Year Term Policies (Women; Age 46)

The table above shows rates for a 30-year term life insurance policy for a 46-year-old female non-smoker. Policy coverage amounts range from $25,000 to $250,000 and are provided by two different companies - Mutual of Omaha and American Amicable

For a $25,000 policy, the monthly rate is the same regardless of the company - $23. But the more coverage the insured selects, the greater variance in premiums. For example, a $50,000 policy, regardless of the company, has a monthly rate of $23

However, if the same individual opts for a $100,000 policy, American Amicable lists a monthly rate of $40, while a policy of the same amount from Mutual of Omaha is not listed. Finally, for a $250,000 policy, American Amicable has a monthly rate of $89, although a policy at the same amount from Mutual of Omaha is not listed.

20-Year Term Monthly Premiums (Women Smokers; Age 46)

The table illustrates the cost of 20-year term life insurance for a 46-year-old female smoker. The companies and coverage amounts vary, with Mutual of Omaha offering a $25,000 policy for $31 per month, Prosperity Life providing a $50,000 policy for $44 per month, a $100,000 policy for $81 per month, and a $250,000 policy for $191 per month

While these rates may appear high for smokers, the cost of life insurance can vary significantly based on a variety of factors, including age, health, lifestyle, and coverage amount.

30-Year Term Insurance Quotes (Female Smokers; Age 46)

For 46-year-old female smokers, the cost of 30-year term life insurance policies vary significantly depending on the amount of coverage desired. For example, Mutual of Omaha offers a $25,000 policy for a monthly rate of $37, while Foresters provides a $50,000 policy for $54 per month and a $100,000 policy for $102 per month

For more extensive coverage, American Amicable charges $246 per month for a $250,000 policy. Keep in mind that these are generic quotes from only four providers and there may be other options available at different rates.