Guaranteed Universal Life Insurance Rates for 42 Year Olds

Guaranteed Universal Life Insurance Rates for 42 Year Olds - mom and daughter with flowers

People in their early 40s can purchase life insurance at surprisingly low rates.  Even though rates increase as we get older, the difference between rates for those in their 30s is not too much different than those in their 40s.  Rates jump up considerably more once we reach our 50s and 60s.  Also, the chance of developing health conditions that affect rates increases as we age.

This article will look specifically at guaranteed universal life insurance quotes for 42 year olds – both female and male.  Although the rates are accurate, they can change on a weekly basis.  We encourage people to look at rates using our instance quote engine.

Click Here For Instant Term Life and Guaranteed Universal Life Insurance Quotes

Our quote calculator allows you to see rates for guaranteed universal life insurance as well as all the term life insurance durations.  You will want to select “Lifetime” to see rates that are guaranteed level to age 100.

We don’t sell your information to anyone.  Many online sites promise comparison quotes, but when you complete their form, you simply get a message stating you will receive a call from agents.  Usually, three to five agents purchase your information and then call. That’s not how we operate.

What Makes Our Quotes Different

Online (and offline) agencies use different quote calculators.  While most of them strive to offer the most carriers as possible, not all carriers agree to have their products quoted by every quoting services.  Our quote engine is very comprehensive, but doesn’t include every carrier.

What makes us different is that we will provide comparison quotes from ALL the carriers.  Even if the company doesn’t appear on the quote engine, we work with them.  In our 5 Best Guaranteed Universal Life Insurance Companies article, you will see a couple of companies that do not appear on our quote engine.  We keep our finger on the pulse of the industry. If a top rated company rolls out a new GUL product, we will check it out thoroughly before making a recommendation.

Another point of differentiation is our extensive knowledge of life insurance, both term and permanent.  We understand that cost is important, but value is key.  If one policy is slightly less, but the policy provisions are significantly weaker, we will explain the differences and help you make the right decision.

Many call centers and agencies simply cannot train their employees so they are familiar with all the provisions of the various policies available.  We are experts at what we do.

Other Names for Guaranteed Universal Life

Guaranteed Universal Life insurance is sometimes referred to as Term for Life or Term to age 100.  Another name sometimes used is “Term that never expires”.

Although this is permanent insurance, it has many of the same characteristics of term life insurance.  Some of these commonalities are listed below.

  • Guaranteed level premium (it will not increase).
  • Guaranteed level death benefit.
  • There are no “moving parts”.  There is no worry about internal charges or fees changing so that it could affect the policy.

The names “term to age 100” and “term for life” are not necessarily accurate since it’s possible to outlive the guaranteed age.

There is only one company that doesn’t allow a guarantee age to 100.  Banner Life’s maximum guarantee age is to 95.  This can work fine for some folks who are comfortable with the risk of outliving the policy. However, we generally recommend selecting a guarantee that is at least to age 100.

For a more information on how guaranteed universal life insurance works, click here.  To read about the pros and cons of guaranteed universal life, click here.

Guaranteed Universal Life Insurance Rates for 42 year olds – The Best Rates Available.

The rates in the tables below are sample rates.  Life insurance rates fluctuate on a daily or weekly basis.  For the most accurate, up-to-date rates, please use our instant quote engine .

The sample rates below are a great way to start the shopping process.


  • Preferred Non-tobacco (The 2nd best rate class) AND Standard Non-tobacco (average health).
  • Guarantee Age to 100.
  • No Riders
  • Monthly rates are rounded to the dollar.
Male             Face Amount $50,000 $100,000 $250,000 $500,000
Rates for 42 year old – Preferred Rate Class $41 $61 $144 $282
Rates for 42 year old – Standard Rate Class  $48  $69 $165 $325


  • Preferred Non-tobacco (The 2nd best rate class) AND Standard Non-tobacco (average health).
  • Guarantee Age to 100
  • No Riders
  • Monthly rates are rounded to nearest dollar.
Female             Face Amount $50,000 $100,000 $250,000 $500,000
Rates for 42 year old – Preferred Rate Class $37 $50 $124 $228
Rates for 42 year old – Standard Rate Class  $44  $60 $143 $272

42 year olds that do not qualify for Standard or Preferred non-tobacco rates

Rates vary based on health and other underwriting considerations.  For those in excellent health, it’s possible to qualify for the best rate classification.  Some carriers call this “Preferred Plus”, “Preferred Best” or other similar names.  The “Preferred” rates is the second best classification.

Even if you take one or two medications for common health conditions such as high blood pressure or elevated cholesterol, there is a good chance you can qualify for the “Preferred” rate.  For people who take medications for more than one condition, it is very likely to receive the “Standard” rate classification.

Smokers will usually pay between 40% to 50% more than non-smokers.  There are exceptions, and some companies will offer non-tobacco rates for people who smoke cigars on occasion or chew tobacco.

Everyone has a unique health history, so we can help you determine the most appropriate rate class.  Our job is to check our underwriting guidelines and speak with the underwriters at the insurance companies to ensure you receive the best possible offer.  Often times, one company will offer Standard rates for certain conditions while other companies will decline to offer coverage.

How to Select the Best Guaranteed Universal Life Insurance Company at the Age of 42.

Guaranteed universal life insurance is relatively easy to understand.  It’s also not difficult to shop and compare plans.  However, unlike term life insurance, there are a couple of differences among carriers.  A few carriers offer compelling policy provisions such as a return of premium option.  Another valuable policy provision is a chronic illness benefit.  These provisions vary, so we can help you understand the benefits and key differences.

Consider Combining or Laddering Term Life and Guaranteed Universal Life.

We understand that securing affordable life insurance is a top priority.  Sometimes, term life insurance is the best option to obtain adequate protection.  Ensuring you have sufficient coverage to replace your income in the event of your untimely death is of utmost importance.

A 20-year or 30-year term policy will often provide needed coverage during the years when your dependents need you and the financial protection you bring to your family.  However, many people need and/or want life insurance coverage beyond the standard term periods.  That’s where a GUL can make sense.

Laddering or combining term and GUL is a good option for some.  To read more about the laddering concept, please click here.


Working with an experienced, independent agent is something we highly recommend.  You don’t want to have your choice of insurance companies limited to just one, two or three companies.  We represent all the best companies.  You also want an expert advisor – someone with at least 10 years experience.

We will be glad to help you find the best coverage and make the process of applying for coverage as simple as possible.  Please call us anytime.


About Peachtree Insurance Advisors
About Peachtree Insurance Advisors

We work with individuals across the nation to secure the best life insurance rates.

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