Over 40s Life Insurance Protect your family before premiums rise

In your 40s, life insurance becomes more urgent. Premiums increase with age, so getting cover now locks in a better rate than waiting.

Quick & Easy

No Obligation

Expert Brokers

SSL Encrypted

Quick & Easy

No Obligation

Expert Brokers

Step 1 of 8 13%

I'd like quotes for:*

Just me

Me and my partner

Trustpilot

Rated Excellent - Our brokers are rated excellent on Trustpilot with over 97,000 reviews***

Over 1 million families helped**

Why Get Life Insurance In Your 40s?

Your 40s are the last decade of truly affordable cover. Act now.

Premiums Rise With Age

A 40-year-old pays roughly double what a 30-year-old pays for the same cover. Every year you wait costs more. Lock in today's rate now.

Peak Financial Responsibility

Mortgage, children's education, partner's income — your 40s are when the most depends on you financially. Life insurance protects all of it.

Health Changes

Health conditions become more common in your 40s. Getting cover now, while you are healthy, means you avoid exclusions or higher premiums later.

From £5

Per Month

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Average Premiums In Your 40s

What you can expect to pay for £200,000 level term cover.

Age	15-Year Term	20-Year Term
40	£14-22/month	£18-28/month
42	£16-25/month	£21-32/month
45	£22-35/month	£28-42/month
48	£28-42/month	£35-55/month

Indicative prices for non-smokers in good health. Get a personalised quote for an accurate price.

Over 40s Life Insurance FAQs

Common questions about life insurance in your 40s.

More than in your 30s, but still affordable. A healthy 40-year-old non-smoker can get £200,000 of cover for around £18-28 per month. Waiting until 50 could double this.

Yes. Many insurers cover common conditions like high blood pressure, diabetes and previous health issues. A broker compares options across insurers to find the best policy for you.

Level term is the most common choice. If you have a mortgage, add decreasing term. If you want lifetime cover for inheritance tax, consider whole of life.

Most standard life insurance does not require a medical exam. The insurer asks health questions on the application form and may request a GP report in some cases.

No. Every year you wait, premiums increase. If your health changes, cover becomes harder and more expensive to get. Lock in a rate now while you can.