Term Life Insurance For Those 40 years Old And Over

The Dos and Do Nots of Choosing Life Insurance Over 40 Cover…

Having life insurance is an important part of a financial plan, especially for those individuals over the age of 40.

life cover over 45 pictureTerm life insurance in particular creates an estate for family members and loved ones that will allow them to pay off any final expenses and funeral costs without being burdened.

In general, a family’s primary breadwinner should be covered, especially during the years when dependents rely on them most. Here are some things to keep in mind when choosing to purchase a term life insurance policy over the age of 40.

Important Do’s of Term Life Insurance

When looking into term life insurance policies, there are many things that need to be considered. Policy seekers should take into account that this insurance will support their family when they pass away. One of the most important things to do is make sure the life insurance will cover all of one’s needs.

Account for things like outstanding mortgages, funding education for children, and personal loans. It is also important to purchase a plan that will provide seven to ten years of income for the family. Claybrooke Life Insurance can help policy seekers choose the right plan for them at an affordable price.



Another important thing to do when purchasing term life insurance is not to wait. Many people may believe that purchasing insurance at this point in one’s life is too soon, and that they should wait until they are in their older years.

The truth is, the younger and healthier a person is the easier it is for them to secure coverage, not to mention their premiums will be much lower. Ideally, the purchase of life insurance should occur as soon as a primary breadwinner has dependents relying on them for support to make sure they are protected in the event of untimely death.

Term Life Insurance Do Nots

Although buying life insurance is a great step in protecting a family for the future, there are some of which a person should be aware. Something that many individuals do is buy a life insurance policy and forget about it, filing it away in a drawer never to be thought of again.

This is something no one should do. Life insurance policies should be reviewed annually to make sure the coverage that is being provided is still adequate and to know when the terms of the policy will run out. Claybrooke Life Insurance can help policy holders review their coverage and offer them a number of affordable options for the future.

Another important thing not to do when thinking about term life insurance is to procrastinate. Human nature dictates avoiding situations that may be uncomfortable to discuss, such as what will happen when someone passes away.

Truth is, it is better to have a financial plan in place that includes life insurance during one’s 40s. This will not only help keep the cost of insurance premiums down, but will also cover the needs of dependents when they need them most. We provide a number of options and are happy to help anyone make the best decision for themselves and their family.



Even though many believe 40 is too young to purchase life insurance, it is the prime age to attain coverage that is affordable and will protect one’s family. Term life insurance is a great choice for these individuals and making sure to take into account factors such as outstanding debts and funeral costs will help to make an educated decision on what life insurance policy may be best.

Claybrooke offers a number of great insurance options at affordable prices and can help those in their 40s make the best choices for their future.

Does Claybrooke Term Cover do Life Insurance?

Yes, Claybrooke Term Cover does life insurance at £8.31 per month for £211000 of cover.

Does Claybrooke Term Cover do Life Cover?

Yes, Claybrooke Term Cover life cover is £11.05 per month for £201000 of cover.

Do Claybrooke Term Cover do Life insurance over 40?

Yes, Claybrooke Term Cover Life insurance over 40 is £9.35 per month for £226000 of cover.

Does Claybrooke Term Cover offer Income protection insurance?

Yes, Claybrooke Term Cover Income protection insurance is £10.73 per month.

Does Claybrooke Term Cover do mortgage life insurance?

Yes, Claybrooke Term Cover mortgage life insurance is £8.15 per month for £214000 of cover.

What are the current Claybrooke Term Cover rates for critical illness cover?

Claybrooke Term Cover rates for critical illness cover is £10.95 per month for £215000 of cover.

Does Claybrooke Term Cover have excellent reviews for life insurance?

Yes, Claybrooke Term Cover reviews are superb for life insurance.

Does the Claybrooke Term Cover life insurance calculator show the monthly costs?

Yes, the Claybrooke Term Cover life insurance calculator shows excellent monthly direct debit payments.

Does a Claybrooke Term Cover life insurance advisor charge a big fee?

No, Claybrooke Term Cover life insurance advisors are free.

Does Claybrooke Term Cover do whole of life insurance?

Yes, Claybrooke Term Cover Whole Life Insurance is £10.8 per month for £215000 of cover.

Does Claybrooke Term Cover do Joint life insurance?

Yes, Claybrooke Term Cover Joint life insurance is £7.06 per month for £235000 of cover.

Does Claybrooke Term Cover do Terminal illness cover?

Yes, Claybrooke Term Cover Terminal illness cover is £8.84 per month for £280000 of cover.

Do Claybrooke Term Cover do Term life insurance?

Yes, Claybrooke Term Cover Term life insurance is £9.1 per month for £208000 of cover.

Does Claybrooke Term Cover do Decreasing term life insurance?

Yes, Claybrooke Term Cover does decreasing term life insurance at £6.88 per month for £261000 of cover.

Does Claybrooke Term Cover do Increasing term life insurance?

Yes, Claybrooke Term Cover does increasing term life insurance at £10.29 per month for £240000 of cover.

Does Claybrooke Term Cover do Level term life insurance?

Yes, Claybrooke Term Cover does level term life insurance at £9.06 per month for £200000 of cover.

Does Claybrooke Term Cover do Family income benefit life insurance?

Yes, Claybrooke Term Cover does family income benefit life insurance at £7.16 per month for £263000 of cover.

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