term life insurance for seniors

Term Life Insurance For Seniors

When looking for term life insurance for seniors, one needs to be aware that, depending on the age of the person, longer policy maturities (for instance 30 years) may not be available. A person who is 70 years old, male or female, most likely is not going to be able to obtain a 30-year term policy. When the 30 years of the policy is added to the 70 years of age the result is 100 years, which most likely exceeds the life expectancy of that person. If the 70 years old person, in our example, wants to get an extended maturity policy, he/she can go for a permanent life policy, such as GUARANTEED UNIVERSAL LIFE (less costly than Whole Life),  or WHOLE LIFE. FINAL EXPENSE and NO-MEDICAL EXAM policies, although typically more expensive, could be an option too.

Then, as with all life insurance policies, a non-smoking senior stands a much better chance of getting a policy, and at a better premium rate, than a smoker. And, the healthier the person is, the better the chances of getting a policy and at a better price.

So What Do You Do?

As you initiate your search for a term life insurance for seniors policy, consider the following:

  • Complete the REQUEST FREE CONSULTATION form to the right of this page and click “SEND”. Upon receipt, we will start working with you to find the life insurance policy that best meets your personal and financial goals. This will be the easiest way to find the policy you are looking for.
  • Or, if you like to do things by yourself, use our QUOTE ENGINE also on the right side of this page to see what the premiums will be for the different types of polices, face amounts, maturities, etc. Once you have decided on a particular policy, we will help you get the application, file it with the life insurance company and through the entire process until the policy, if approved,  is issued. And, with the first online quote you get using our QUOTE ENGINE, you will receive a Free Book – please, see details on the right side of this page.
  • For help using our QUOTE ENGINE, please call our Toll Free Number (888) 950-8376.

But, please, do not delay getting started. Tomorrow we all will be older than today and the older we become the costlier life insurance will be. Also, as we get older it is likely that our health may begin to deteriorate, in which case, life insurance premiums will also be more expensive.

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Term Life Insurance For Seniors