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Life Insurance Over 40

At 40, you have more financial commitments than ever before. A mortgage? A long-term relationship? A few children? Find the life insurance policy for you and protect the financial security of your family.

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What Is Over 40s Life Insurance?

As you reach life at 40, you may find that your outlook changes. As a milestone age, many people start thinking more seriously about their future as they begin life in their 40s. You may start thinking more about your family’s financial future or how you will protect them should something happen to you.

Over 40s life insurance is a great way to protect your family should the worst ever happen. Many people in their 40s begin to consider life insurance for the following reasons:

  • Protect the remaining balance of your mortgage
  • Leave an inheritance for your spouse and children
  • Cover funeral costs
  • Replace your lost income
  • Fund children’s childcare fees or education

How Does Over 40s Life Insurance Work?

When taking out life insurance over 40, you would still be classed as a young adult so you may get relatively cheap premiums for term-based cover. You would also be deemed old enough to qualify for a cost-effective whole-of-life policy, making it the perfect age to begin your life insurance journey.

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At The Insurance Surgery, all of our quotes are given over the phone or via live chat so we can gain a clear understanding of your needs. We will only recommend policies that you and/or your family would benefit from. It’s this honest approach that has caused so many people to recommend us as the nation’s favourite life insurance broker!

You might be looking specifically at over-40s life insurance, but we can discuss your options and determine whether you need to add other insurances, such as critical illness cover or income protection. Sometimes, you could significantly improve your family’s financial security for just a few extra pounds.

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How Will Life Insurance Benefit You?

Life insurance can help your family cover various expenses such as mortgage payments, outstanding debts, education costs, funeral expenses, and everyday living expenses.
The decision to purchase a policy should be based on your individual needs, financial situation, and long-term goals. Consulting with an adviser can help determine whether life insurance is right for you.

Mortgage

Pay off the outstanding mortgage.

Debts

Clear any debts that you may leave behind.

Gift

Leave a gift for family or a charity.

Education

Leave a sum for your family to enjoy education and hobbies.

Income

Replace a spouse’s income with the support of a lump sum.

Funeral

Cover funeral costs and relieve the pressure from your family.

  • 15 Minute Read Time

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Read More

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

How Much Does Over 40 Life Insurance Cost?

Whilst every individual’s quotes can differ, your 40s are a great time to take out life insurance because you can still benefit from cheaper policies that promise to give your family long-lasting financial security. During your discussion with one of our dedicated advisors, they will ask you a selection of questions to estimate how much you can expect to pay before seeking out policies. These questions may revolve around: 

Your age

Your family’s medical history

Smoking Status

Your Hobbies

Your occupation

Pre-Existing Health Conditions

For a clearer idea of the average cost of life insurance, visit our Guide.

Life insurance cost, case study.

James is looking for life insurance to cover his mortgage and to give a lump sum to his wife and two children. James had a stroke ten years ago but doesn’t suffer from any symptoms.
We found James the increasing policy below:

Total Cover
Amount:

£750,000

Monthly Premium
Cost:

£41.57

Duration of
Policy:

Until age 70

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specialist advice today.

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Friday:

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Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parents

Forbes Advisor, 2025

What Types of Life Insurance for 40s and Over Are Available?

Critical Illness Cover

Adding critical illness cover to an over-40s life insurance policy will increase your costs. But it does give you extra protection and peace of mind that if you are diagnosed with a serious illness, you can claim to help cover the costs of lost income and bills.

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Whole-of-Life Insurance

Whole of life insurance is guaranteed life insurance. This type of over-40s life insurance provides a guaranteed payout and covers the rest of your life. The payout sum is fixed, so your family will get the same amount regardless of when you pass away.

Find Out More

Income Protection Insurance

Income protection insurance is a type of insurance plan that protects your income should you not be able to work because of illness or injury. This prevents you from having to dip into savings for day-to-day expenses whilst ill.

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How different policies payout over time.

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How Can The Insurance Surgery Help?

There are so many insurance options available for those seeking over 40 life insurance, which is why it’s important to get clear and digestible advice from an expert. Enter The Insurance Surgery. With 25 years of experience, we know a thing or two about finding the perfect policies for a whole range of people over 40

We’re passionate about finding affordable insurance policies that will genuinely help and support families, offering them the protection and security that they deserve. Get in touch with The Insurance Surgery today to get free advice from one of our dedicated advisors, and let’s get your insurance journey off to a strong start.

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  • 15 Minute Read Time

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.  

Read More
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Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
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cover for your circumstances.

Frequently Asked Questions

Do you need a medical for life insurance over 40?

If you are in good health, you may be accepted for over 40 life insurance without a medical. However, if you are in poor health or have pre-existing conditions, you may be required to attend a medical or an underwriter may request more information.

If you are asked to attend a medical, this does not mean you will be declined. This just means that the insurer wants to know more information to offer you the right level of life insurance.

Life insurance is unique – just like you.

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For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.
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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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