Thank you for visiting Huntley Wealth Insurance’s website, where we help our clients get a wide range of life insurance policy types from level 10 year term life insurance to guaranteed life coverage for life. We offer life insurance coverage up to 90 years old. If you’re in excellent health , that’s great news. We can help you . However, We also put an emphasis on insuring unhealthy individuals. So if you currently have depression or hypertension, or whatever else you can think of, you are also have come to the right place! If you’re in a hurry, get instant quotes on the right.
10 Year Term Coverage with Health Concerns
A few life insurance companies are more liberal on certain health concerns than other providers. Let’s assume in the past you had heart disease, for example. Every insurance company will price that impairement in a different way. So the most prudent avenue to acquire low cost term insurance with health issues will be to apply with the company that will be the most lenient on your specific medical issues. This is where it’s crucial to have the expertese of an independent agent, who will guide you to the carrier that will treat you most favorably and offer the highest rate class.
How Are My Premiums Determined?
There are five main factors that determine what your price will be. The first is how many birthdays you’ve had. life insurance at 42 years of age costs less than life insurance at age 70 The older you are, the higher your premium. Next comes gender. Men pay more than women. The third factor is amount of death benefit. Obviously, $750,000 of coverage will cost more than $250,000. Next is length of coverage. It costs more to purchase a longer term. The last variable determining your premium is your rating classification. Most companies have preferred ratings, standard ratings, and substandard ratings.
Term Life Insurance and Whole Life Insurance
The majority of our clients buy term life insurance. Term is typically going to be less expensive than whole life and serves to insure you for a short period of time, such as 10 to 30 years. That’s because life insurance is often needed for salary replacement in the event of a family member’s passing. So 10 year term may be ideal for a very short term insurance need. Term life insurance does not build cash value, so if you cancel it, you won’t get any money returned to you. Your premiums are guaranteed not to increase for the duration of the term you select. So 30 year term means your premiums are guaranteed to stay level for 30 years. Whole life insurance , on the other hand, is designed to cover you for your entire life, and builds cash value. If cash value is not necessary, you will really be a better candidate for a guaranteed universal life policy to age 120, which still provides lifetime coverage protection, but will accrue little to no cash value.
I’m Ready to Apply for 10 Year Term Life Insurance – What’s My Next Step?
Please get a free quote using the form on the right. Once you have decided on the policy you want, you may also request an application on the next page. Please note if you use our quote form, that the information required on the right is all you will be asked to submit, and your free quotes will be immediately available on the next page. Other sites ask for much more. We offer insurance quotes from over a hundred insurance providers. If you prefer, feel free to call us at 877-443-9467 for 10 year term life insurance quotes by phone.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.