Term life insurance quotes online

Term Life Insurance Quote Online – 40 Year Old Male

Getting a Term Life Insurance Quote Online

TODAY, rather than later in time,  is always the best time to get life insurance. Why is that? Because one of the factors that impacts life insurance rates is, of course, AGE, and you, and I, will never be younger than we are today.

The other important factor is your health. In fact, and you probably have noted, when you search for a life insurance quote, that one of the pieces of information that goes into the form is “Health Category”. You will be expected to make a determination as to your Health Category that will typically result in one of four categories, namely, PREFERRED PLUS, PREFERRED, STANDARD PLUS or STANDARD, or similar terminology. The better your Health Category, the least expensive your premium. And, more likely than not, TODAY you, and I,  will be healthier than later in time.

However, the final determination as to your Health Category will be made by the insurance company after receipt of a properly completed life insurance application and upon completion of the underwriting process.

And, then, TODAY life insurance rates are lower than they have been in a long time. So, why postpone the decision for later in time and take a chance that rates may go up?

Video On How To Get A Term Life Insurance Quote Online

You can get a life insurance quote online (TERM, or UNIVERSAL LIFE, or RETURN OF PREMIUM) on our website. Even though the process is self-explanatory, we have done a video on how to go about it, which you can be accessed by clicking on the link below:

                                          HOW TO GET TERM LIFE INSURANCE QUOTES ONLINE

Term Life Insurance Rates For 40 Year Old Male

Below, we have reproduced current rates for a 40 Years Old Male with the best Health Class. The search was done for a $500,000 term policy with maturities of 10 years, 20 years and 30 years.


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As you can see, the rates are very competitive. You can explore your own rates by clicking HERE and entering your information in the Instant Life Insurance Quote box, as explained in more detail in our video mentioned above.

How to Get Your Personalized Quote Online

Or you can also contact us by calling our Toll Free Number (888) 950-8376; or click on CONTACT US, and one of our agent will work with you, at no cost to you, on finding the life insurance policy that best meets your own personal and financial objectives.

Term Life Insurance Quote No Medical Exam

Term Life Insurance Quote No Medical Exam

How does one obtain a term life insurance quote with no medical exam. The most common and frequent type of underwriting required to obtain a life insurance policy is Full Underwriting.

With full underwriting the insurance company sends a paramedic to your home to obtain blood and urine samples, check your blood pressure and height and weight and possibly do a resting EKG too.  The paramedic technician will also ask you several “yes” or “no” health questions. In addition, the insurance company will ask your doctor to provide your medical records, which you authorize them to do so as part of the life insurance application process. The insurance company then reviews all of this health-related information about the life insurance applicant and proceeds to issue a health rating, which may be one of the following: PREFERRED PLUS; PREFERRED; STANDARD PLUS, or STANDARD, or similar terms. Or, if the applicant’s health warrants it, they could go even lower and do what is call “RATE” the case. As you can anticipate, the worse the health category, the more costly the policy premium.

Simplified Underwriting

Underwriting that does not require a medical exam is called SIMPLIFIED UNDERWRITING. In this type of underwriting the insurance company will just ask you some “yes” or “no” health questions on the application and there will be no medical exam.  But, in most instances, even for a no-medical-exam policy, the insurance company will also obtain medical records from your physician.

Fully Underwritten or No Medical Exam?

There are advantages to going through a full underwriting process which includes a medical exam, etc..  If you are in good health you can qualify for a preferred health discount. The insurance company will require a physical exam, as described previously, in order to obtain your lab results and assure themselves that you are a preferred risk.  As you might imagine, if you can prove that you are in good health by taking a medical exam, there is very little risk that you will die prematurely and, therefore, the insurance company can insure your life at a much lower rate.

Some folks, understandably, do not like to submit to a medical exam. They may be concerned with finding out about some disease, or physical condition, they were not aware they had.  You might find out that you have high cholesterol, high blood sugar or elevated liver enzymes, for example. But, is it not better to find out sooner rather than later that you need medical attention?

We don’t recommend and advise you against attempting to get a no-medical-exam life insurance policy, as a means to try to hide a diagnosis from an insurance company.  If you provide false or incomplete information on your life insurance policy the insurance company could refuse to pay the death benefits. And, it may be considered fraud too.

If you are interested in getting a no medical exam life insurance, speak to one of our licensed agents.

  • Please call our Toll Free Number (888) 950-8376,
  • or click on CONTACT US and fill in your contact information. One of our agents will help you get your life insurance quotes for both a no medical exam policy as well as for a fully underwritten policy. Then you can decide whether is worth paying more for the no-medical-exam policy.

Term Life Insurance Quotes Online

You can get term life insurance quotes for fully underwritten life insurance by clicking HERE.

You can also view our video about getting quotes online by clicking below on


…and, please, remember, it is best to start a life insurance program when you are young and healthy