Direct answer
It depends on your current health status, the chosen death benefit amount, and the length of the term policy, as these factors determine your specific risk tier. A healthy 40-year-old will generally pay significantly less than a smoker or someone with pre-existing medical conditions for the same coverage amount.
Standard actuarial mortality tables and common insurance carrier underwriting guidelines. For additional information about how mortality risks are assessed, see the Society of Actuaries‘ research on actuarial standards.
What this means for you
It depends on your current health status, the chosen death benefit amount, and the length of the term policy, as these factors determine your specific risk tier. A healthy 40-year-old will generally pay significantly less than a smoker or someone with pre-existing medical conditions for the same coverage amount.
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This page is informational and not a coverage guarantee or quote.