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Best Life Insurance For Women Aged 44

By James Tobin, CFP®

 

Critical Takeaways

  • Choice of best carrier depends on your health
  • Rates Increase  At Age 45
  • Independent agents are the best choice for applicants with existing health issues
Best Life Insurance For Women Age 44
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Expert Review Of Life Insurance For  Women Age 44

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Reviewed by

Jim Tobin, CFP®

Why you can trust this review

At Life Insurance Help Desk, we value our editorial independence. We keep our reviews strictly factual so you can use them to make informed decisions. Life insurance carriers referred to on this site do not approve reviews. 

If you’re a 44-year-old woman looking to purchase life insurance for yourself, you may have a ton of questions – how much do they cost, what are the best insurance companies, what’s their application process like, etc.

Throughout this article, we’ve offered answers to several common questions that many of our middle-aged female clients have asked us about their life insurance options. But if you’re looking for more, simply leave a comment below and we’ll do our best to help you out.

Do remember that there’s no clear-cut answer for questions like ‘Which insurance company is the best?’ – it’s always dependent on what features you’re looking for and your current health status.

Why You Need Insurance?

No matter your age, if people you care about are financially dependent on you, you should have life inurance. 

The easy (if uncomfortable) way to answer the question about whether you need insurance is to envision being killed in a car accident today....What happens to the people you care about tomorrow? Ca the mortage be paid? Are college plans deferred? The answers to these type of questions will go a long way in deciding if you need life insurance

Is 44 The Best Time For women To Attain Life Insurance?

Now you may ask “What’s the best age to purchase life insurance then?”

The answer – when you’re still young and in acceptable health.

While someone who’s 44 is considered to be middle-aged, it’s still not too late to buy life insurance, especially for women.

Why?

Insurance premiums tend to go up starting as women enter their late 40s (Premiums start shooting up even earlier for men). Purchasing a 30-year insurance policy at this age ensures coverage until 75. Additionally, health conditions start popping up one after the other during the 40s, and therefore, it makes sense to purchase a policy before such issues present themselves.

If you’re currently working and looking for a 10-, 15-, or even 20-year policy, 44 is still a fantastic age to get insured.

How Much Coverage Amount and Terms Should A 44-Year-Old woman Consider?

Though there are numerous methods that can help you find the ‘right’ amount of coverage, we believe that clients are already well aware of exactly what they need and how much they can afford. Unless you have the budget for it, there’s no point in running endless computer models to reach that perfect figure.

If you’re looking for help in determining your needs and how much you’ll need to finance them, reach out to us today and we’ll help you out! Our LIFE tool, which accounts for loans, income, future plans, and education, will help you budget for every possibility.

What’s The Cost For A 44-Year-Old woman To Get Life Insurance?

It all depends on the insurance rating that underwriters are prepared to assign, the desired coverage amount, and the policy’s term period.

We’ve provided extensive information regarding the rates offered to people from all ends of the health spectrum, ranging from standard smoker to preferred best. Our sample insurance coverage amounts range between $100K - $1M with term periods of 10, 15, 20, and 30 years.

Note About Life Insurance For Female Smoker

Something you should know if you’re a tobacco user – prices are drastically higher for users than for non-users. People who quit their smoking can get their insurance policy revised and underwritten with new terms after two years at non-smoker insurance rates.

10  Year Term Lief Insurance Rates for woman 44 Years Old 

Amount

Preferred Plus

Preferred

Standard Plus

Standard

Preferred Tobacco

Standard Tobacco

$100,000

$10.33/mo.

11.46

13.65

14.61

25.93

32.73

$250000

15.56

19.62

21.23

23.44

50.34

66.12

$500000

22.53

28.29

36.02

39.90

86.53

113.54

$750000

31.10

39.21

50.80

57.28

126.31

167.26

$1000000

37.74

47.51

60.99

72.08

162.31

215.76

15 Year Term Lief Insurance Rates For Woman 44 Years Old 

Amount

Preferred Plus

Preferred

Standard Plus

Standard

Preferred Smoker

Standard Smoker

$100,000

$11.00/mo.

12.57

15.39

17.15

32.82

42.59

$250000

16.62

19.86

26.45

29.60

63.14

83.81

$500000

26.31

32.79

46.32

52.21

110.93

148.34

$750000

36.96

46.60

66.45

75.74

162.70

219.46

$1000000

47.13

58.95

83.17

96.70

207.97

283.62

20 Year Term Lief Insurance Rates For Woman 44 Years Old 

Amount

Preferred Plus

Preferred

Standard Plus

Standard

Preferred Smoker

Standard Smoker

$100,000

$12.46/mo.

13.71

19.08

19.27

39.65

50.95

$250000

20.23

23.55

30.44

33.17

76.48

99.33

$500000

33.99

40.65

54.43

61.94

139.85

189.23

$750000

49.01

57.75

78.55

90.33

205.82

280.79

$1000000

61.05

73.94

100.06

115.20

261.53

356.46

30  Year Term Lief Insurance Rates For Woman 44 Years Old 

Amount

Preferred Plus

Preferred

Standard Plus

Standard

Preferred Smoker

Standard Smoker

$100,000

$18.57

20.41

26.78

29.84

56.07

69.23

$250000

31.37

36.01

48.83

54.03

119.32

145.77

$500000

55.62

64.49

91.22

100.49

218.65

274.05

$750000

81.80

95.12

133.60

148.16

323.33

408.03

$1000000

105.40

121.07

165.54

192.11

424.07

531.57

How Reliable Are Our Quotes For A 44-Year-Old woman?

The sample rates generated by this website’s quote tool are 100% reliable. However, customers may not be able to predict the exact health category they’ll be assigned into by insurance companies, thus causing the tool to either overestimate or underestimate the premiums.

Therefore, it’s important to use someone like an independent insurance agent who has access to at least 50+ carriers if you’re looking for a reliable estimate of your health category and corresponding premiums.

We typically prefer to offer insurance premium estimations by assuming that people will be assigned either a ‘Standard’ or ‘Standard Plus’ rating. But we make every effort to ensure that our clients obtain ratings much better than that.

What Companies Should A 44-Year-Old Female attain Life Insurance From?

As we said earlier, the ‘best’ insurance company will be dependent on what your policy goals are and your current health condition.

If you’re super healthy and want nothing but the cheapest rates, Banner Life will be a perfect fit for your needs. However, its conversion options are highly unattractive, which may be a downer since many people prefer to convert to permanent products like a universal life insurance product down the road. This is even more important if you’re expecting your health to deteriorate as you age.

Protective Life is one of our most favorite insurance companies. They offer fantastic policy terms and super competitive policy rates if you’re a healthy person. You can opt for an annuity-style payout insurance product that reduces your cost significantly. Upon policy expiry, you’re allowed to renew the policy with decreased coverage benefits instead of increased premium rates, which can have a significant advantage for those in their twilight years.

Prudential is a great choice for people with pre-existing health concerns. SBLI offers no-exam accelerated insurance underwriting products as well, which are among the best in this niche.

How Can A 44-Year-Old woman With Existing Health Conditions Get The Best life insurance Rates?

Use an Independent Insurance Agent

It’s a simple answer, really, but it is always startling that shoppers overlook this advantage.

Independent insurance agencies have greater access to multiple insurance carriers along with comprehensive underwriting guides for each company. As a result, they know which insurance companies have to be approached if you have a certain condition and which ones to stay away from.

This info tends to be closely guarded and is not known beyond insurance  circles. Alas, many people wind up overpaying massively due to a lack of this information.

You don’t even need to pay extra to utilize the services of an independent agent.

Yep, keep reading to know more!

What Is The Process For A 44-Year-Old  woman To Attain Life Insurance?

The life insurance application process is the same, whether you’re 24, 44, or 64. It’s an 8 step process that consists of the following –

  • Select your policy
  • Select the terms
  • Get relevant pricing information
  • Submit your application
  • Undergo a medical examination
  • Wait for the underwriters to rate your application
  • Review your offer
  • Get policy delivered

You can find more information regarding this 8-step application process on our website’s homepage.

If you’re not interested in undergoing a medical examination, you can simply go for a no-exam insurance policy, which tends to get underwritten faster as well.

What Makes Life Insurance Help Desk Different From Other Companies?

Want to get an affordable, feature-rich life insurance product but not sure where to begin? It’s not your fault – the number of options out there on the market may seem all too similar and baffling for a layperson.

The Life Insurance Help Desk is a completely independent insurance agency that has inside access to more than 50 top-rated insurance carriers in the US. Our services can save you thousands of dollars in the long run, especially you suffer from pre-existing health issues or want certain policy features such as a child rider or ‘living benefits’.

‘Captive’ agents cannot offer you the same advantages because they are required to present policies only offered by a certain carrier. It’s the same if you approach the insurance carrier directly as well, which is about the worst thing you can do if you want fair terms.

That’s because approaching them directly prevents you from accessing multiple life insurance carriers to obtain and compare quotes. It will drain your resources, time, and the savings will be negligible as well.

The Department of Insurance sets life insurance premium rates on a state level with like term insurance policies being priced similarly, irrespective of the actual seller. Going direct means you don’t have an experienced insurance agent working on your behalf for better terms.

Major insurance brokers whose names you constantly come across on TV and radio ads only sell policies from a specific group of insurance carriers in order to earn more in commissions. I’ll be honest – if I were big, I’d be tempted to do that as well. But we aren’t – and therefore, we’ll compare different companies and their rates to get you the best option.

Our agency is fully committed to upholding the highest service and transparency standards. Transparency is a core belief we hold, which is integral to all our business practices. We’re in this for the long run – to make a name for ourselves as the most reliable insurance agency you’ll find in the industry.

Next Step

In this review, we’ve explained what a 44-year-old woman has to do to be covered by life insurance, what it’s going to cost her, and why it’s a wise financial decision. It’s important not to waste any time now – reach out to us and get approved for an amazing life insurance product at affordable rates.

We thank you for using the Life Insurance Help Desk to research life insurance for women age 44.

Bonus: The most common mistakes people make buying life insurance and how to avoid them

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