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Low Price Term Life Insurance for 46 Year Olds

Good news on reasonably priced term life insurance for 46 year olds (both men and women). We looked into low cost options and put together tables of sample term life insurance rates below. You will also find information on how to save money, get life insurance without medical exams, and the difference between term and permanent life insurance.

Calculate life insurance for 46 year oldsQuick Tip:  Use the INSTANT QUOTES form on this page to view instant life insurance rates for your exact age. These are the absolute lowest rates you will find anywhere for the same policy. Contact us for expert help.  Our job is to help you get approved for the lowest cost life insurance .

Whether you are healthy or have health issues such as inflammatory bowel disease, an abnormal EKG, or even if you smoke marijuana, there are many options which most people can easily afford.

Why Choose Term Life Insurance?


There are different types of term life insurance for different purposes. Level term (stays the same), Increasing term (benefits and price increase), and Decreasing term (benefits and price decrease). Each have their advantages.

Term life insurance is the most basic type of life insurance available. It pays out a specified amount (death benefit) to your spouse, children or estate (beneficiaries). The insurance company pays the death benefit either as a non-taxable lump sum or as an annuity over several years.

Term policies come in several types, but the most popular is “level term.” Simply put, it means that your premiums will not increase over the life of the policy.

The other 2 types of term insurance available are known as “decreasing term” and “increasing term” life insurance.

Decreasing term insurance means that your death benefits will decrease at certain times throughout the policy. It can be used to cover your mortgage or to reflect the decreasing need of an expensive policy as you age. This is a good option to cover your mortgage or the kid’s college tuition as they reach that age.

An increasing term life insurance is a smart option for a young family starting out on a limited budget. People tend to earn more and also incur more expenses as they age. This means they will need more coverage as they progress towards middle age. An increasing term policy will see both death benefits and premiums increase at designated time intervals. We would typically not recommend this for 46 year olds. It’s a product more suited to people in their 20’s or 30’s.

Riders on Life Insurance for 46 Year Olds

You might also want to learn more about life insurance riders such as a “Return of Premium” rider which guarantees to return all the premiums you have paid into the policy should you survive to the end of the policy period.

People who take advantage of the return of premium rider tend to do so because they want that chunk of change back at the end of their term life policy 20 to 30 years down the road.

Saving Money on Term Life Insurance at 46

The first step to saving money on your term life insurance is to figure out exactly how much insurance you need. Being under-insured can cause problems for your surviving family. Having too much insurance runs the risk of paying an unnecessary amount each month for something you might not use. Use our life insurance needs calculator to figure out how much you family has to insure.

The primary perk of using an independent agent is you get someone who will shop the market for you. Rather than spend the time to call a dozen different places, give a bunch of strangers your personal information, and get probably conflicting advice, you can talk to one person who can find the top 3 or 5 companies that may be a good fit for you and compare them for you impartially.

Great independent agents will go back and shop the market for you a second time if the first company you apply with comes back with a cost that seems too high based on experience. (We have done this for clients around the country since 2009.)

Sample Quotes of Reasonably Priced Term Life Insurance for 46 Year Olds

Here are some sample quotes that we researched for both men and women who are 46 years old.

Term life Insurance46 Year Old Male rated as “Preferred – Non Tobacco” health class which means only minor health issues.

Monthly Rates for Term Life Insurance – Male

$100,000.00 $250,000.00 $500,000.00 $1,000,000.00
10 Year Term $13.54 $23.10 $40.25 $70.10
20 Year Term $20.48 $37.54 $67.70 $125.90
30 Year Term $33.86 $62.48 $117.40 $219.80




Term Life Insurance46 Year Old Female rated as “Preferred – Non Tobacco” health class rating which means minor health issues

Monthly Rates for Term Life Insurance – Female

$100,000.00 $250,000.00 $500,000.00 $1,000,000.00
10 Year Term $12.54 $20.45 $34.90 $60.80
20 Year Term $16.46 $29.53 $51.80 $94.90
30 Year Term $24.94 $46.16 $84.40 $157.90


term life insurance for 46 year oldsTo compare rates from the nation’s leading life insurance companies for your exact age – please use the Instant Life Insurance Quote tool to the left.


Permanent Life Insurance for 46 Year Olds

Life Insurance for 46 year olds

An independent agent is the best way to find affordable life insurance! You can reach us at 858-703-6178 with any questions.

Although term life insurance is suitable for many families it might not be the best life insurance for your unique situation.

The other life insurance option is “Permanent Life Insurance” policy. This type of life insurance includes other life insurance policies such as Universal Life, Indexed Universal Life, or Whole Life.

The difference between the two types of life insurance is that a permanent insurance policy provides not just death benefits, it also has a cash value accumulation feature which grows through the life of the policy. Permanent insurance protects your money from taxes, but you can also use to maximize your 401(k).

Talk to our independent agents today to learn more about permanent insurance. We work for you and not the insurance company. Our mission is to help you get life insurance approval at the lowest cost.

No Exam Life Insurance for 46 Year Olds

There are plenty of life insurance companies which now provide the added convenience of No Exam Life Insurance. You might be approved in as little as a couple of days or you can get a policy as quick as 15 minutes. If you hate needles and want a policy in a hurry then this might be the route to go.

The catch is that the company which offers no exam policies isn’t usually the absolute lowest price. The good news is their price range is just about dead average compared to similar products in other companies. They only offer it on policies of $500,000 or less and the person who the insurance covers must be under 60 years of age.

Finding Reasonable Life Insurance for 46 Year Olds

Over 850 companies in the United States offer life insurance. Every company will offer different rates based on age, biological sex, health, and amount of coverage. So you always have options. Like we mentioned earlier, instead of looking at all of these companies yourself, an independent agent will shop them for you. You save yourself time by getting the best few options impartially presented to you without any work.

If you take nothing else away from this, remember that an independent agent is the fastest way to find the strongest coverage at the most affordable rates for your family.

How can Abrams Insurance Help Me?

life insurance for 46 year olds choice

Independent agents show you what is behind the doors of each option you have. Find your options with the Instant Quote Tool on the left (top on mobile).

At Abrams Insurance Solutions we perform your comparison shopping for you with more than 70 top-rated life insurance companies. We select the companies we work with based on their financial stability and underwriting terms. That way you don’t need to worry about whether your life insurance company will be able to play their claim or go out of business while you hold the policy. We know which companies are the most likely to offer you a strong policy that meets your budget.

We can find the perfect plan for you and your family at a price that doesn’t squeeze your wallet.

Companies set their own prices. Not the agents. So whether you go with a captive or independent agent, rest assured that you are getting the lowest price for life insurance for 46 year olds.

The Bottom Line

At Abrams Insurance, we work for you. We aren’t bound to any one company or group of companies. Sometimes we find companies charging more than our experience tells us they should. We will recommend you switch to a better company instead of just accepting the offer. We wouldn’t put up with that for our own families, and certainly won’t put up with it for yours.

Our goal is to use our experience in helping hundreds of families in every state to find the strongest policy for your family at the lowest price.

Start now. Immediately see rates with the Instant Quote tool on the left (top if you’re on mobile). When you are ready to start an application, you can do it online or over the phone. There is never any obligation.

Getting life insurance for 46 year olds is easy and affordable. Especially if you have someone taking most of the work off your shoulders. Call 858-703-6178 and we can help you find the most affordable coverage.

Chris Abrams

Mr. Abrams and his team have helped 1,000's of people get approved for insurance in all 50 states. Our mission is to save you time and money on your insurance purchase. You can learn more about who we are and read our client reviews. Feel free to send Chris a message here.

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Interested in life insurance for adult male < 50 yrs in the Bahamas (international).
Is your company able to service such a client? Kindly forward information.

January 6, 2017 at 8:19 am

Hi Ian: Yes- we work with international clients. I will need a little more information to research the lowest rates for you. Please complete this short questionnaire and I will send rates to you.

January 10, 2017 at 5:13 pm
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