Revisit old assumptions
Coverage purchased years ago may not reflect current income, debts, dependents, or goals.
Coverage by life stage
Shopping for life insurance in your 40s
Your 40s can combine peak earning years with a mortgage, children, caregiving, or business responsibilities. That makes both the amount and duration of coverage important—and it makes an honest health history essential for useful estimates.
Reviewed for clarity and compliance · September 2026
Protect the remaining years
Consider how long others depend on your income and when major debts are expected to end.
Apply with context
Medical history does not automatically rule out coverage. Different carriers can evaluate a case differently.
Ready to make this specific to you?
Use your age, state, coverage amount, term, tobacco use, and general health to create a more useful starting point.
Start my comparisonCommon questions
What shoppers ask
Is it too late to buy term life insurance in your 40s?+
No. Many products accept applicants in their 40s, subject to product rules and underwriting. Rates generally rise with age, so compare options based on current facts.
Will I need a medical exam?+
Possibly. Some applicants may qualify for accelerated or non-exam underwriting, while others may need an exam or records. The carrier decides after reviewing the application.