How Much Is Life Insurance For A 40 Year Old? 
The price of life insurance for a 40 year old depends on the health , tobacco use , weight , and gender of the applicant , in addition to how much life insurance is purchased and what type of policy is bought . Short term policies cost much less than permanent policies . Policies for smokers usually cost at least double the rate of policies for nonsmokers . Coverage for those with serious health conditions can cost 10 times or more of the premium for a 40 year old with perfect health . To get an estimate of a life insurance quote for a 40 year old with your characteristics , you can run a quote on an website advertising `` instant life insurance quotes '' . You can input different amounts and different types of policies to see how rates differ for different scenarios . 