35 Year Term Life Insurance

35 year term life insurance is a form of life insurance coverage guaranteeing the payment of death benefits if the insured dies within 35 years. Term life insurance for 35 years is one of the longest term life insurance policies. Start comparing rates for 35 year term life insurance with our free quote tool today.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Oct 21, 2020

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35 year term life insurance is one of the longest term life insurance policies available to date. You can feel safe knowing that you and your loved ones are covered with term life insurance for 35 years.

This article will not cover the best life insurance policy for a 35 year-old, but it will tell you how to get term life insurance for 35 years, where you can get 35-year term life insurance, and sample term life insurance rates. 

Interested in finding affordable term life insurance in your area? Use your ZIP code and our quote box above to find FREE term life insurance quotes.

Table of Contents

How Long Should My Life Insurance Policy Be?

Life insurance terms should be selected based on your age and health status. If you are young and in great health, you should likely choose the longest policy available. This typically helps get you the lowest rate.

Several-Term Policy Rates for Allstate

Age $250,000: 10-Year Term$250,000: 20-Year Term$500,000: 10-Year Term$500,000: 20-Year Term
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In the example above, you might notice that life insurance rates increase with age. This is true. However, life insurance rates remain the same for the duration of a term. So although you might pay more initially, you’ll pay less over your lifetime.

How much is term life insurance for a 35 year old? We know that it would be cheaper than a 50 year old in the same health. This is a big reason for wanting longer life insurance terms. It helps to know the types of term life insurance.

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What is the longest life insurance policy? Is there 40 year term life insurance? Until recently, the longest term period available was 30 years. But with new term lengths, you can lock in a low rate up to 40 years.

40 year term life insurance is even harder to come by than 35. Because of this, you might need to contact Banner Life Insurance directly to get 40 year term life insurance rates. Banner’s 40 year term life insurance is one-of-a-kind.

So, can you get 30 year term life insurance? Sure. But that doesn’t mean you should, either. For example, if you are in poor health and are already 55 years old, you might be paying for more policy than you need.

You can now buy term life insurance with a term period of 35 years from American General Life Insurance Company and some of the largest term life insurance companies.

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Will You Need 35 Year Term Life Insurance?

Maybe and maybe not. It all depends on your unique circumstances. Things to consider include:

  • How many years until your youngest child leaves home?
  • How many years until all your children (and perhaps grandchildren) graduate college?
  • How many years until you pay off your mortgage?
  • How many years until you retire?

This is a start, but there’s more to it. What happens when my life insurance policy ends? Thankfully, we’ve written a thorough guide to help you find out how long you will need term life insurance.

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It’s important to note that you are never ‘stuck’ in a policy for the entire term length. Meaning, you can always cancel the policy before the term expires without incurring any penalties or fees. This is unlike whole life insurance.

Most life insurance companies will refund any unused premiums as well. Just in time for last-minute holiday shopping!

Term Life Insurance Rates by Age

Sadly, age is one of the premier factors that determine your term life insurance costs. You’ll see below that other factors, such as smoking, can also have a significant impact on term life insurance rates.

Average Monthly Life Insurance Rates for Females by Age & Tobacco Use

Female Age & Tobacco Use$100,000/
Term Life
Term Life
Whole Life
Whole Life
30-Year-Old Non-Smoker$8.21$13.91$82.60$180.69
40-Year-Old Non-Smoker$9.83$17.96$116.80$260.08
50-Year-Old Non-Smoker$17.31$36.68$171.31$386.86
30-Year-Old Smoker$19.89$43.12$105.32$237.57
40-Year-Old Smoker$29.66$67.54$152.04$347.82
50-Year-Old Smoker$63.45$152.02$232.50$537.63
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It’s hard to truly predict someones rates. It might be a good idea to utilize tools like our term life insurance calculator. These tools can help you find out your average life insurance costs per month.

As expressed before, term life insurance for seniors would cost a bit more. This is why it is so important to start shopping for life insurance sooner rather than later.

Since Banner is a sole provider of 40-year term life insurance, there is no competition. So, how much does a 40 year term policy cost? Unfortunately, probably more than it should. Welcome to understanding life insurance.

If you have wondered, “Can an 80 year old get life insurance?”, we have other guides on this site that can help you. At the end of the day, many people aren’t accustomed to a 35-year term option, including the Insurance Information Institute

35 Year Term Life Insurance: The Bottom Line

Term life insurance is a simple life insurance policy type that meets the needs of many people. Choosing 35 year term life insurance could save you money in the long run if it’s right for you.

Now that you know more about 35-yr term life insurance, you can save time and money on life insurance by getting FREE life insurance quotes with our tool below.

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