Guaranteed Universal Life Insurance Rates for 44 Year Olds

Guaranteed Universal Life Insurance Rates for 44 Year Olds mountain scene


Life insurance for people in their early to mid-40s is much more affordable than most people think.  We will look at sample guaranteed universal life insurance rates for 44 year olds in this article.

To see instant quotes for guaranteed universal life insurance, please use our instant quote engine by clicking here.

We don’t sell your information or make you wait to receive quotes.  You can see quotes from top companies for level term insurance, Return of Premium term insurance, and guaranteed universal life insurance using our quote engine.  We represent ALL the best companies, however, not every carrier subscribes to comparison quote engines.  We will provide customized quotes at your request – showing the best companies.

Affordable Guaranteed Universal Life Insurance for 44 year olds

The rates below are sample rates only.  They are accurate (as of this writing), but rates fluctuate frequently.  For the most accurate and up-to-date rates, please use our quoting tool.  The rate tables are a good way to start the process and quickly see the difference between Standard and Preferred rates for 44 year-olds, both male and female.



  • Preferred Non-tobacco (2nd best rate class) and Standard Non-tobacco (average to good health).
  • Guaranteed to 100.
  • No Riders
  • Monthly rates rounded to nearest dollar.
Male             Face Amount $50,000 $100,000 $250,000 $500,000
Rates for 44 year old – Preferred Rate Class $44 $66 $157 $304
Rates for 44 year old – Standard Rate Class  $52  $77 $184 $362



  • Preferred Non-tobacco (2nd best rate class) AND Standard Non-tobacco (average to good health).
  • Guaranteed to 100.
  • No Riders
  • Monthly rates rounded to nearest dollar.
Female             Face Amount $50,000 $100,000 $250,000 $500,000
Rates for 44 year old – Preferred Rate Class $40 $53 $133 $245
Rates for 44 year old – Standard Rate Class  $47  $66 $157 $293

What About Other Rate Classifications?

The quotes above are based on Preferred Non-tobacco and Standard Non-tobacco rates.  However, people in excellent health can often qualify for the Preferred Best rates and save money.  Likewise, some people are “rated up” based on certain health conditions and/or medications.  We can evaluate your situation and help you determine the correct underwriting classification.  Our job is to make sure you get the best possible underwriting classification.

Keep in mind, smokers will usually pay close to double the premium.  However, people who chew tobacco or smoke an occasional cigar or pipe, can get the Non-Tobacco class with some companies.

Other Names for Guaranteed Universal Life (GUL) Insurance

GUL is commonly referred to as Term to 100, Term for Life, or Term that doesn’t Expire.  These names are helpful in distinguishing GUL from other types of permanent life insurance.  Most permanent life insurance involves an investment or “cash value” component.  Although some GUL policies have decent non-guaranteed interest rates, the purpose of guaranteed universal life is NOT to invest/earn money.

GUL is fully guaranteed – both the death benefit and the premium.  We wrote a review of  Guaranteed Universal Life insurance that you can read by clicking here. We also a helpful article that covers the Pros and Cons of Guaranteed Universal Life.

Guaranteed Universal Life is a type of universal life insurance, so a few carriers have named their product “No Lapse” universal life.  This name serves to distinguish GUL from other types of permanent life insurance that can lapse if not funded adequately.

Important Considerations for 44 Year Olds

People in their 40s tend to get more serious about retirement savings, risk management and other financial matters.  Evaluating life insurance needs is important at any age, but as we get older,  it becomes increasingly important.

The need for life insurance is often at it’s peak in our 40s.  It makes sense to reevaluate to make sure the protection in place is adequate.  Guaranteed universal life insurance is a unique product and can sometimes fill a need for those who are adverse to the idea of having no coverage.  It is a conservative move, but can bring security and peace of mind, knowing there will be life insurance in place at all times.

The key point is to evaluate and determine what steps you need to make. We can certainly help with that process.

How to Be a Smart Shopper and Save Money on Life Insurance

We like to stress two main points to those shopping for life insurance:

1. Work with an Independent Agent   The fact that you are reading this article separates you from a lot of consumers.  Often times, people look to their auto insurance agent for life insurance quotes.  In many instances, this limits the choice to one carrier.  It is convenient and easier, but it might cost you a lot in the long run.

An independent agent is held captive to one company.  Also, many of the large online agencies are limited to only certain carriers.  They may be contracted with 10 or 12 companies.  That may seem like a lot, but it can also prevent. you from receiving the lowest rates.

2. Work with a Reputable, Experienced Agent   Make sure your agent has at least 10 year experience.  It takes time to understand all the nuances of life insurance provisions and underwriting guidelines. It also takes time to develop relationships with underwriters.  Experience is necessary to advocate for clients and ensure they receive the best rates possible.  Working with someone who has a good reputation is equally important.  Please see our client testimonials (clients full names shown) to see what people have to say about working with us.

Consider the Concept of Laddering or Combining Life Insurance Policies.

This concept isn’t new, but is commonly applied to investments (such as bonds), not life insurance.  Basically, laddering or combining term polices and/or guaranteed universal life  ensures you “step down” your coverage as the need for life insurance diminishes. To read more about the laddering concept, please click here.  The prospect of going from $1 million in coverage to zero – overnight – is not something many people want to do.

Laddering 20 and 30 year term policies in a common practice.  Also, sometimes laddering occurs “organically” as people buy additional term policies at later stages in life.   Of course, having a term policy and a GUL policy will ensure some coverage stays in place permanently.


We know that shopping for life insurance is not a fun process.  We try to make the process as painless as possible and can assure you that you will receive expert advice from someone who cares about you and your situation.  We have the very best rates for guaranteed universal life, term life insurance, and disability insurance.  Please call us anytime for assistance.






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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