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Best Life Insurance rates for a 38 year old.

Life insurance 38 year oldThe key to finding the best life insurance at 38 years old is to have choices. TermLife2Go works with dozens of top rated life insurance companies, including the best no medical exam life insurance companies. Give us a call today to find out what company would be best for you!

Life insurance for a 38 year old.

Choosing to buy life insurance at age 38, rather than when you turn 40 is a really smart thing to do.  By now you should have a pretty good idea about how much coverage you would like to have in order to protect your loved ones.  You’ll also probably have a pretty good idea about what will and won’t fit within your finances.

With that in mind, before you decide on how much to life insurance to get, just think for a moment, what would happen to your family if you were to pass away tomorrow?  What would happen to your loved ones if they could no longer count on:

  • The income you provide?
  • The work that you do at home?
  • The mortgage being paid?
  • Tuition being saved?
  • Etc…etc.

Its questions like these that make a lot of clients rethink the actual amount of coverage that they need to protect their family.  So if you need more coverage or you are just starting out, you’ve picked a great time to begin looking to buy life insurance. Life insurance coverage at 38 should still be:

Affordable Life Insurance for a 38 year old:

Buying life insurance at age 38 should be pretty affordable because at age 38, most applicants are going to be sickness and disease free. This makes a 20 to 30 year term policy a low risk policy for most insurance companies, which means big savings for you. Basically, the life insurance companies are going to aggressively try to earn your business by offering great rates!

Best Life Insurance rates for a 38 year old.

For example, a 38 year old male in perfect health applying for $250,000 of life insurance on a 20 year fixed term would pay a little more than $15 a month with Savings Bank Life Insurance and a little over $16 with Protective Life, both A+ rated life insurance carriers. Another option would be a no medical exam term life insurance policy with a face amount of $250,000 on a 20 year fixed term for a little more than $26 a month. A a 38 year old male in perfect health applying for $250,000 universal life policy would pay a little over $100 a month.

And life insurance for a 38 year old female is even less. Women historically outlive men so life insurance companies reward females with lower premiums. Therefore, the same $250,000 of life insurance on a 20 year fixed term for a woman would be $14 a month. Consider what you spend $14 on every month and ask yourself what is more important, a $250,000 life insurance policy or that daily cup of joe?

Sample life insurance age 38 quotes for a male.

All quotes are based on a preferred plus rate class

Face Amount
10 year
20 year
30 year
GUL to 121
$16.85 (no med)

Sample life insurance age 38 quotes for a female.

All quotes are based on a preferred plus rate class

Face Amount
10 year
20 year
30 year
GUL to 121
$13.73 (no med)

Easy to qualify for:

Qualifying for life insurance at age 38 is should be pretty easy as well because as stated before, applicants at age 38 are going to be sickness and disease free.  Few 38 year old applicants will have already been diagnosed with one of the common conditions that will complicate getting life insurance or make it more expensive to purchase such as:

For this reason, it’s imperative that you lock in your coverage now because if you do become diagnosed with one of these health issues, while it’s not necessarily going to disqualify you from getting coverage later on, it will definitely increase the cost of life insurance.

More options to choose from:

Buying life insurance at age 38 is also going to give you a lot more options to choose from.  Since most 38 year old applicants are going to be free from sickness and disease, their “starting rate” is going to be inexpensive.  Which means that applicants should be encouraged to look at all the different types of life insurance options available to them such as:

  • 25 and 30 year Term Life Insurance policies.
  • Return of Premium Insurance policies.
  • Whole life insurance policies.
  • And Universal Life Insurance policies.

Consider your options carefully, because at age 38 it may make sense to try and lock down coverage for your entire life, rather than for just a few decades. But what type of life insurance to go with and what face amount you need should really be looked at case by case. Since no two people are alike, each client has their own needs. Talking through your needs with a licensed professional at TermLife2Go will help you make the best decision so that you can rest assured that you are getting the best policy at the best price.


We know that for a lot of individuals, especially those who are just starting a family, having a “ton” of discretionary income simply isn’t a reality.  So, despite the fact that you may have all the reasons in the world to purchase a term or whole life insurance policy right now, having the “funds” to do so just isn’t possible!

For this reason…

We’ve also chosen to write several articles sharing some of the knowledge that we have acquired over the years working with 1000’s of clients concerning how they earn a living.

You see, nearly every time we complete a life insurance application for one of our clients, one of the first questions that we need to ask is:

“what do you do for a living?” and “what would you estimate your annual income as?

Which means that over the years, we’ve become really familiar with a wide range of different career paths and opportunities that a person can take.  Some of which you would probably never think of on your own!

And since we still have your attention…

One can assume that “most” folks who end up purchasing a term or whole life insurance policy do so, so that their loved ones would be protected “financially” in the event of their death.

But what happens if you get sick but don’t die?

Would your family’s financial future still be protected?  Probably not.  This is why we like to encourage folks to also take a look at some of our other articles that discuss other “types” of insurance policies as well so that regardless of what happens in the future, your family will be well prepared:

And because…

Our number one goal here at TermLife2Go is to help individuals and families secure their own financial security and independence, we wanted to share with you what we’ve learned.

So, after you’ve had a chance to visit our Life Insurance Quotes page feel free to check out our 100 Ways to Make Money Fast and our Top 23 Apps That Will Make You Money.

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About TermLife2Go

Our licensed professionals have over two decades worth of experience and will help you choose the best life insurance company for the lowest price based on your specific needs and lifestyle. Find out more about us here.