There’s a ton of bad information out there when it comes to term life insurance quotes from 40-49 years old. In this article I’m going to discuss recommended life insurance coverage for this age group.
… most agents are simply trying to sell you a policy that’s best suited for their pocket, rather than for your needs!
You don’t have to worry about that here!
In this article I’m going to arm you with the knowledge you’ll need to make a great choice, like what type of coverage you should buy, how much you need, and how to buy it from the comfort of your own home.
(Hint: we won’t be recommending that expensive whole life insurance stuff here!)
So if you’re ready for an honest guide to life insurance in your forties, let’s move on…
Meet Chris Huntley & Huntley Wealth Insurance
Hi, I’m Chris Huntley, the founder and president of Huntley Wealth and I’ve been in the insurance industry since 2004.
The best part about my job has been the ability to make a difference in the lives of so many people. Life insurance is such an important safety net and I’ve spent countless hours educating people on how it can be used to make sure you and your family never have to face a financial disaster should there be an unexpected death.
We believe our job as an agency is to educate, not sell. We don’t have sales quotas or “call center” agents. We offer customized, boutique service.
Life insurance Is Imperative if you have a family!
I’m the daddy of three little girls and husband to a wonderful woman. Needless to say my paycheck is essential to the economic well being of our household. Should something happen to me, it would have a huge impact on our finances.
Selling life insurance really opened my eyes to the potential dangers of being uninsured or even underinsured. Mortgages, credit card debt and a university education won’t take care of themselves. What if my wife was left alone to handle all these obligations? Michael Lewis put it in very succinct terms:
“As I grew older, got married, started a family, and began a business, I realized that life insurance was indispensable and fundamental to a sound financial plan. Over the years, life insurance has given me peace of mind knowing that money would be available to protect my family and estate in a number of ways.”
So, I decided to practice what I preach.
To give you some insight into our personal situation, I own 3 term life insurance policies totalling over $2 million in coverage.
Yep, you heard me right. This protection allows me to sleep at night knowing that no matter what happens to me, my family will be just fine.
If you’re like me and want the best possible coverage for your family and are looking for Term Life Insurance Quotes from 40-49 years old, we have some great insider tips for you today!
Term Life Insurance Quotes from 40-49 Years Old: Cheaper Than You Might Think
Why term insurance?
To put it bluntly, Term life insurance is the least expensive option out there and it still provides comprehensive protection for the years when you need it most. There are many agents that will try to sell you Whole Life Insurance, but I personally believe that Term Insurance is the right choice for the vast majority of clients.
Now you may be thinking…if I’m over 40, life insurance is gonna be expensive!
WRONG! Unfortunately, there seems to be a basic misunderstanding about the cost of life insurance after the age of 40. For some reason a lot of people think it’s unaffordable or that they won’t be able to qualify with pre-existing medical issues.
Life insurance is more affordable than you think!
Do you want the good news? Of course you do! Term life insurance quotes from 40-49 are incredibly affordable.
Please don’t wait a minute longer to get insured! Life insurance becomes more costly as you age, because you are closer to the date of your mortality.
That being said, your 40’s are still a great time to buy coverage.
To give you a better idea, I ran some quotes to illustrate this point.
Let’s say you are a 41 year-old non-smoking male in good health that just qualified for a Preferred rating. You’re making a nice living and don’t have a lot of debt, so you think $500k in coverage and a 30 year term will provide enough support for your family should you die.
This gentleman could qualify for a premium of approximately $73.00 per month! This means he and his family will be protected until he is 71!
Had the same client waited to investigate his options for life insurance at 49 years old, the premium would shoot up to $152.00 per month..and that’s if he’s still in good health.
The difference over a 30 year term is a whopping $28,440.00!
The bottom line is, if you need life insurance, don’t put it off a minute longer, especially if you are in your 40’s. Waiting a couple of birthdays might translate into much more expensive premiums.
Sample Term Life Insurance Quotes From 40 - 49
Now that you’re considering Term Life Insurance Quotes from 40-49 Years, you are going to want to see some cold hard numbers.
What are your particular circumstances?
I’ve included a chart of sample quotes for non-smoking males ages 40-49 looking for a 30 year term.
Check out the premiums! I think you’ll be pleasantly surprised.
All rates are preferred, which means they don’t represent the lowest possible premiums. If you are in top form these rates will dip even further!
Psst: Did you know women pay even less for life insurance than their male counterparts?
Term Life Insurance Quotes at 40-49 Years Old
|40 Year Old Male||$20.55||$34.80||$65.41||$121.66|
|41 Year Old Male||$22.88||$37.72||$73.06||$133.95|
|42 Year Old Male||$24.73||$41.05||$79.49||$146.99|
|43 Year Old Male||$26.60||$45.42||$87.71||$165.37|
|44 Year Old Male||$28.95||$49.59||$97.56||$182.00|
|45 Year Old Male||$30.79||$54.17||$107.19||$198.89|
|46 Year Old Male||$33.79||$58.97||$115.82||$216.49|
|47 Year Old Male||$36.14||$66.72||$126.44||$235.72|
|48 Year Old Male||$38.53||$73.28||$138.69||$260.22|
|49 Year Old Male||$41.11||$80.39||$151.29||$284.40|
(Life Insurance Preferred Quotes based on healthy, male, non-smoker for 30 Year Guaranteed Level Term, as of 3/13/17, subject to change)
Breadwinners Have Big Responsibilities
Income replacement is the primary reason people are looking for Term Life Insurance Quotes from 40-49 Years. If you’re the main breadwinner in your family, what would happen to your spouse and kids if you just didn’t come home one day?
At Huntley Wealth we insist that our clients take a cold, hard look at the REAL needs of their family. This is a critical step when nailing down the amount of coverage necessary.
Illness and death are topics no one wants to think about – but inevitably we all pass away.
If you’re the breadwinner in your family, others rely on your income to pay the bills. Let’s face it, life ain’t cheap and when you die things will become much more difficult for those you love.
Life insurance provides a financial safety net that will protect your family from the devastating effects of losing your income. The idea is that you will have a term policy in place until you retire and your financial obligations cease or decrease to the point where they are manageable for your estate when you die.
There are no guarantees. But, after you’re gone, it’s the survivors who have to pick up the pieces and get on with life.
In my humble opinion the REAL superheroes are those who think about their families BEFORE the proverbial trash hits the fan.
I’ll never forget the first check I handed to a grieving family. NO, I couldn’t bring their loved one back – but YES the money provided a future that wouldn’t have been possible without life insurance planning.
Types of Term Life Insurance Available In Your 40's
So, what sort of life insurance is right for you in your 40’s?
You can choose from 3 main types of term policies which include:
• Level Term: Premiums and death benefits don’t change during the term.
• Decreasing Term: Death benefits decrease over the term and the insured enjoys a fixed premium. This is usually less expensive than level term.
• Increasing Term: Death benefits and premiums increase at specific intervals. It’s great for someone with limited funds who expects to see a financial upturn later in life.
…or you can choose an age-specific policy! Most people don’t even know these exist.
Let’s say you know the exact date you want your life insurance coverage to end. You can choose that age, even if it’s outside the traditional 10, 20 or 30 year terms.
There are many different options available when you set up your life insurance policy. It’s so important that you weigh your specific circumstances before you sign on the dotted line.
I’m sharing two case studies to illustrate how Length of Term affects your cost and coverage.
Case Studies: Increase in Age & Deteriorating Health
As we all know, life insurance premiums increase with age and declining health.
Come on, it makes perfect sense doesn't it?
The life insurance companies pass that risk on to you as more expensive premiums! Let's check out the numbers now:
Case 1: 40 year old male non-smoker, preferred rating, 500K in coverage
20 Year Term – $37.00 per month = $8,880.00 over the life of the policy
30 Year Term – $65.00 per month = $23,400.00 over the life of the policy
SAVINGS: $14,520.00 if he buys the 20 year term.
Case 2: 48 year old male non-smoker, preferred rating, 500K in coverage
20 Year Term – $77.00 per month = $18,480.00 over the life of the policy
30 Year Term – $139.00 per month – $50,040.00 over the life of the policy
SAVINGS: $31,560 if he buys the 20 year term!
These numbers illustrate just how important health and age are when you are looking to purchase life insurance in your 40’s.
Don’t wait a moment longer to buy your policy! As you can see, as you get older and your health deteriorates you will pay thousands more for coverage. This is money that could be better spent on your family.
Insurance By Numbers: Recommended Life iNsurance Coverage
If you are googling best life insurance over 40, boy do I have some good information for you!
Let's Hear It for the Gals:
FORGET whole life insurance for a 40 year old female. You'll pay a boat load of administrative fees and chances are you won't even be able to afford the coverage you think you really need. If you are a healthy non smoking woman in your 40's, Banner life insurance will provide you with $1 million of term life insurance coverage for 30 YEARS! Now this is something to celebrate.
If you're searching for "life insurance 40 year old woman" chances are you have obligations you don't want your beneficiaries to have to handle when you die. Maybe a 20 year term is sufficient, because you intend pay off whatever it is that's outstanding. Did you know Banner Life will provide a 41 year old woman $500,000 in coverage for 20 years for a mere $35.00 per month if you're healthy? That's less than the price of a dinner out!
Did you know that there's very little difference between a 40 year old woman looking to buy $500K in coverage for 30 years ($51.00 per month) and a 42 year old woman with the same health rating looking for similar coverage ( $59.00 per month)? That being said over 30 years that's nearly $3,000 more! Remember the younger and healthier you are the more affordable your premiums. Don't hesitate buy your life insurance TODAY!
Life Insurance for a 43 year old female is STILL VERY affordable. Check it out! Even if you a have pre-existing medical condition and get a standard rating you can get $250K of coverage through Banner Life Insurance for 30 years for less than $55.00 per month. Booyeah!
So what is the recommended life insurance coverage for a woman who is 44? Well it really depends on our personal circumstances. If you have a lot of obligations that you see lingering into your senior years I say grab that 30 year policy while you can. You'll only be as young and healthy as you are TODAY!
So it's your birthday and you're looking for "life insurance for 45 year old female"! Well the good news is 45 ain't nothin' but a number. Not only is a 30 year term well within your reach BUT it's not expensive. If you are in good health you can get $250K in coverage from Banner Life for 30 years for just over $40.00 per month? I bet your wondering why you waited so LOOOONG. I wish more people knew this!
At 45 years old all of us start to really look at our financial needs. After all, retirement is closer than ever. BUT life is changing and people are having families later in life. I know a woman in her late 40's who took out a loan to put her kids through private school. She has $100K of coverage for 20 years to make sure her estate isn't left footing the bill. The good news is her premiums are only about $16.00 per month! Wowza.
Guaranteed life insurance age 45 and over is something that is vastly misunderstood. Way too many people think it's unaffordable. What if I told you - even with a medical condition - you could get $1 Million in coverage for 30 years for about $270.00 per month! This would cover you until your 77 year old. Talk about a deal! If you're 47 years old - it doesn't mean you're uninsurable.
Here we go again - life insurance for 48 year old female doesn't translate into UNAFFORDABLE. Not at all. BUT what if the client in question is a smoker in average health? Hmm - let's check out the rates. For about $250.00 Banner life will provide $500k of coverage for 20 years. If she was willing to quit smoking we could get her a MUCH better deal. One of the best things you can do to lower your life insurance premiums is to quit smoking.
Recommended life insurance coverage: One of the main considerations is where do you see yourself in 10, 20 or 30 years. You're coming to the end of a decade. Life insurance for women at age 40 needn't be a scary thing. If you're athletic you may even qualify for $1 Million in coverage for 30 years through Banner Life - with premiums as low as $165.00 per month?!
Let's Hear it for the Guys:
I've been going on about the affordability of life insurance in your 40's but what if you don't live a stellar lifestyle? If you are searching for "rates life insurance 40 year old male smoker" I'm gonna show you what Banner life has to offer. Let's say this gentleman is in average health and wants $1 Million in coverage for 30 Years. Banner Life will charge him about $540.00 per month. My guess is that we could probably get him a better rate at a different company. I would also recommend that he quit smoking and get in shape for better results. These premiums illustrate why it's always best to use an independent life insurance agent.
Age IS an important consideration when it comes to recommended life insurance coverage. However, health actually plays an even bigger role. An athletic, male non smoker will pay less than $60.00 per month for $500K over coverage for 30 years. On the other hand a male smoker in average health will pay almost $300.00 per month. Wow the difference over the life of this policy is nearly $86,400.00 over the term of the policy! OUCH!
If you're in this age bracket, perhaps you're looking for guaranteed acceptance life insurance over 40. PLEASE read my article about no exam life insurance before you pull the trigger. To be blunt - this is almost ALWAYS a mistake. Especially at such a young age. If you are a 42 year old male, looking for life insurance call us today we can help!
Affordable life insurance over 40 is a fact of life if you're relatively healthy. I'm not sure where the myth of astronomically priced life insurance came from. Even Joe Smith in average health will qualify for $500k in coverage for 30 years for under $140.00 per month. You can purchase peace of mind for a VERY minimal cost if you ask me!
Wanted term life insurance 40 year old male.....AND older. You don't need to place a classified ad. At 44 you may be ushering your kids out the door or maybe you're just starting out in life. Let's say you were smart and paid down your mortgage but you still have outstanding business loans. Why not take out a small policy to protect your interests. Even small figures can cause financial strife if left unresolved when you die. A 44 year old man could take out a term policy for $100,000 in coverage for 20 years for less than $17.00 per month. Hey your coffees probably cost more!
Term life insurance rates 45 year old male are WAYYY more affordable than you think. YEP you're hitting middle age BUT that shouldn't keep you from protecting your family. I've got some good news! Looking to provide some cash for final expenses and to guarantee your kids ivy league education is taken care of? If you're in great shape you can take out a meagre $250K policy that will cover you for 20 years and it will set you back less that $25.00 per month!
Want the best news? If you search for Life insurance for 45 year old male - you're going to find out that not only is it affordable but it's recommended if you have dependents and financial obligations. Let's say you're a 46 year old man looking for life insurance. Today I could get you $250k in coverage for 20 years even if you're not in the best shape for about $55.00 per month. Pretty cool!
You needn't be afraid of life insurance over 45. Whether you are a man or a woman, it's pretty darned affordable. Let's say you just started your family - and are the primary breadwinner - BUT you have some medical issues. If you manage to get a standard rating I can get you $1 Million in coverage for 30 years at Banner for about $370.00 per month. when you consider the fact that this policy will take you until you are 77 that's a fantastic deal.
If you google the phrase: Term life insurance rates for 48 year old male - you'll get a lot of sites trying to sell you insurance? Why because at this stage in your life the premiums are still pretty darned affordable. You may even want to consider laddering policies to cover you when your financial burden is heaviest. This technique can save you thousands of dollars. Click here to find out more information.
Maybe you're thinking that term life insurance is not longer a consideration because of your age. Please don't start googling "whole life insurance for 49 year old male" before you hear what I have to say. Whole life insurance only suits a very limited number of people. It's also VERY costly. BEFORE you consider this route PLEASE read my thoughts. Hey - term is still probably your best bet. If you're in great shape Banner might offer you $500k for 30 years at less than $115.00 per month. DESPITE the fact that you are nearing your 50th birthday!
20 Year Term and Why You Should Consider It - What Term Length is Right for You
So…how long will you need coverage? This is a very important question and everyone’s circumstances are different. I often recommend that people in their 40’s take a look at 20 year term insurance.
The factors that need to be considered when deciding on the length of term are:
- Health Rating
- Financial Situation
20 year term is a great buy if you have older children, are financially stable with savings and think coverage would be redundant in your 60’s.
Let’s discuss the pros and cons of 20 year term now.
Pros of 20 Year Term Life Insurance In Your 40's
At Your Age & Stage It May Be The Most Practical Choice.
In 20 years your kids may be grown with their own careers. You may have also saved enough of a nest egg to make income replacement a need of the past. In this case 30 year term would be overkill.
It’s Super Affordable
20-year term is less expensive than a 30-year term. If you have calculated your needs and the shoe fits – you will reap the cost savings. Let’s take a look at the numbers below. For this example I am using a 43 year old male non-smoker who qualifies for Preferred Rates and would like $500K in coverage:
Premiums for a 20 Year Term: $49.00 Per Month
Premiums for a 30 Year Term: $88.00 Per Month
Wow! 20 year term really is cost effective if it fits your needs.
Coverage for Your Most Vulnerable Years
You can sleep well knowing that your family will be covered if you die unexpectedly. Most term policies also have a conversion option, so if you survive until the end of the term you can convert the policy to Universal Life, without proof of insurability. This is an important benefit.
BEWARE: Not all policies have this option. Be sure to read the fine print before you sign on.
If you want to read more about 20 year term life insurance click here.
SAVE UP TO 73% ON LIFE INSURANCE!
Think saving money on life insurance is as easy as getting a quick online quote? Think again! You need an expert guide. We know the right companies for every age, health issue, and need. It's quick and easy! Get started with a free life insurance quote now!
Cons of 20 Year Term Insurance In Your 40's
20 Year Term Life Insurance Should Never be Considered If You Have a Child with Special Needs
If you have a child that will require care until your death, you need to get the longest period of coverage available. 20 Year Term will not meet those needs.
If You Are In Poor Health
Your health plays a big role in choosing 20 year term. If you suffer from pre-existing medical issues you will not qualify for the best ratings which makes this option less desirable.
If You Need a Longer Term, Your Next Policy Will be Costly
Think about it. If you’re 40 years old and purchase 20 year term, you’ll be 60 years old and looking for a new policy. Let’s take a look at those numbers. For these purposes I am using the example of a non-smoking male that is looking for a 20 year term and $500K in coverage:
40 and Qualifies as Preferred Rating: $38.00 per month = $9,120.00
60 and Qualifies as a Preferred Rating: $243.00 per month = $58,320.00
60 and Qualifies as a Standard Rating: $392.00 per month = $94,880.00
Wow! As you can see the jump is significant. If you’re considering 20 year term make sure it fits your needs or you could be in for some eye opening premiums in your 60’s!
How Much Coverage Do You Really Need?
Mortgages, car loans, co-signing student loans and credit card debt are just a few monetary considerations you need to address when planning your life insurance needs.
Raising a family is not an inexpensive endeavor and many take on overwhelming financial obligations.
So why do so many people underestimate their life insurance needs?
Simply put $250K or $500K sounds like a lot of money before you do the calculations. Very few of us have access to that sort of cash so it seems like a windfall.
Huntley Wealth Life Insurance Needs Calculator
….but what happens when all of your debt has been deducted from the claim? It’s amazing to see how fast those figures get eaten up.
To help you nail down the amount of life insurance you should have, we’ve created a needs calculator to crunch the numbers.
Another issue to think about is how your family will continue to sustain their lifestyle on one income.
To be frank, it may not be possible, so you have to make sure there are enough funds available to make this happen.
When you are buying a life insurance policy you need to think about where you and your family will be 5, 10, 20 or 25 years in the future.
Pay increases, inflation and changing needs all play a role in your calculations. Too little insurance, means you family will be walking a financial tightrope. The worst case scenario? They can’ keep up with the financial demands and they lose everything.
Too much life insurance and you are wasting hard earned cash that could be better spent elsewhere.
Sample Life Insurance Needs for Non-Smoking Male Age 41 with a Preferred Rating
Using the Life Insurance Needs calculator, I ran a quote for a 41 year old non-smoking male who is in very good health (Preferred rating).
If he was looking for 30 years of coverage, assuming 3% inflation and 6% interest, he would require $2,040,108 in death benefits to provide an annual indexed income of $100,000 for his family.
The figure would be less if he opted for a 20 year term. By this point his family may already be grown and he would not need to provide that sort of income.
In that case assuming 3% inflation and 6% earnings he would require $1,543,522 to provide an annual indexed income of $100,000.
Run the Numbers for Yourself
Let’s say you wanted to provide $100,000 of income per year for your spouse should you die. You can figure out your needs with this simple calculation: $100,000/.04 = $2,500,000 of life insurance!
To generate this very basic figure, divide the amount of money you would like to provide per year, by .04, which is an achievable target interest rate.
The nest egg you have to provide to generate this sort of income would be $2.5 Million (not including taxes).
The question is, do you need to provide lifetime income to your spouse?
SAVE UP TO 73% ON LIFE INSURANCE!
Think saving money on life insurance is as easy as getting a quick online quote? Think again! You need an expert guide. We know the right companies for every age, health issue, and need. It's quick and easy! Get started with a free life insurance quote now!
- Reduced Cost of Living: How much money does your partner REALLY need to get by if you die suddenly? Would they need 100% income replacement to keep up with the bills? For example, say you’re a 43 year old man and you make $100,000 per year. Would your spouse be able to make ends meet with $50,000.00 per year? If they could, your life insurance needs would be greatly reduced.
- Interest and Inflation: Life insurance death benefits will probably be invested, so they will earn interest – but inflation still plays a role.
- Can your partner work?: If they can’t then the need for life insurance greatly increases. If they can get a job it steeply decreases. Be sure to take note.
- Your partner’s health: This is especially important for people married to someone substantially older. If you are 44 years old and married to a man in his 50’s or 60’s with health issues, it’s unlikely he will need 100% of your income replaced for 30 years. To be brutally honest you don’t even know if he or she will live that long.
You can’t pinpoint the ideal amount of life insurance down to the penny. But you can make a sound estimate if you consider your current financial situation and imagine what your loved ones will need in the coming years.
IRR (Inter Rate of Return): Were Your Premiums a Good Investment?
I don’t believe life insurance should be looked at as an investment. If you are thinking about ways to make additional cash this shouldn’t be your first line of fire.
That being said, I ask clients to take a look at the potential IRR (or internal rate of return) should their policy pay out.
I created a calculator that crunches the numbers to illustrate how the premiums you paid work out in terms of an “investment” should your beneficiaries make a claim.
To show you how this works let’s use the example of a 45 year old non-smoking male, who purchased $500K in coverage for a 20 year term. If he were to die at 50 years old, his beneficiary(s) would receive death benefits that would effectively pay out as if he invested that money and received a 256% return.
If he were to pass away at 65, he would have had to invest money spent on premiums at 30% interest to match the death benefits.
Those are pretty good numbers if you ask me.
Why Buy Life Insurance in Your 40's
Why would you consider term life insurance quotes from 40-49 years old? Maybe you waited a bit longer to start your family. This is quite common these days as people are living longer and healthier lives.
…or maybe it never really occurred to you until you witnessed a tragedy that ended up on GoFundMe.com.
For every year that passes, your rates increase in your 40’s.
There is no better time than now to take advantage of the benefits of life insurance. Every year you wait results in higher premiums and you run the risk of contracting a medical condition that may result in you not qualifying for the best health classifications.
This would translate into premiums that could be as much as 25% higher.
Your Health & Age Are The Keys To Affordable Premiums
Yes, you’ve got it! Younger, healthier people pay much less for life insurance. The reason for this is obvious. There is less risk for the life insurance company and they pass their confidence on to you via less expensive premiums.
Let’s go through some quotes to see just how much health and age impact your premiums.
Preferred Rating for a Non-Smoking 46 Year Old Male Compared to a 56 Year Old Male Non-Smoker
A 46 year old non-smoking male, who qualifies for a preferred rating would get the following quote today:
- $65.00 per month (approx.) for 500K in coverage over a 20 year term.
A 57 year old non-smoking male, who qualifies for the same rating would get the following quote today:
- $181.00 per month (approx.) for 500K in coverage for a 20 year term.
THE DIFFERENCE: The 57 year old would pay a staggering $27,840.00 more!
Deteriorating Health - 47 Year Old Male Preferred Rating and 49 Year Old Male Standard Rating
A 47 year old non-smoking male who qualifies for a preferred rating would get the following quote today:
- $71.00 per month (approx.) for $500K in coverage over a 20 year term.
A 49 year old non-smoking male who qualifies for a standard would get the following quote today:
- $132.00 per month (approx.) for $500K in coverage for a 20 year term.
THE DIFFERENCE: The 47 would pay a whopping $14,640.00 more than the 49 year old!
The numbers don’t lie, health and age are an incredibly important part of planning your life insurance needs.
As you age it will become increasingly more costly to buy life insurance. If you are in your 40’s it’s still so affordable. Don’t hold off any longer. You can still get amazing rates that will cover your loved ones in case of an emergency.
Do You Have Pre-existing Medical Issues? Save Up to 73%!
Too many people let pre-existing health problems or a disability deter them from investigating life insurance. DON’T let this stop you. We have a fantastic record of getting high risk cases the best possible premiums.
From bad hearts to missing parts, we’ve got you covered!
Every insurance company has different underwriting guidelines. The key is to know which are most lenient for your particular circumstances.
Call our agents now to start the process. We will be able to help you sift through all the options to find the most affordable rates for your unique set of circumstances.
Life Insurance Savings Tips
Money is always an issue and we like nothing better than to save our clients some serious cash!
Here are 5 tips we suggest for massive savings:
- Drop a Couple of Pounds and Save 25%! Insurance underwriters have maximum weight categories they adhere to. You may only be a few pounds away from qualifying for a better class. If this is the case, you might save 25% on your premiums. Eating healthier and exercising will also make an impact on your blood work.
- Layer Your Policies: You may save 10-30% by if you buy more than one term policy to defray your risk at specific intervals. There are times when you need more life insurance than others. The additional coverage drops off when you no longer need it. Genius!
- AVOID No Exam Policies: These policies cost 30 – 100%! more than traditional term policies. You still have to answer health questions, so it’s not like you are going to “fool” the life insurance companies. Get your exam and work with a great independent agent who can find you the best rates.
- Choose an Annuity Payment for Your Death Benefits: Lump sum death benefits aren’t always the way to go. You can save 10-30% on life insurance if you allow the life insurance company to pay out the claim over a period of 10 years or more.
- Always Choose an Independent Agent: We can save you thousands of dollars because we are not tied to a particular insurance company and have access to dozens of companies with different underwriting guidelines. Huntley Wealth specializes in high risk cases. We can help!
HEALTH ISSUES? WE'LL HELP GET YOU APPROVED!
At Huntley Wealth, we specialize in helping individuals with high risk medical issues. You name it, and we've seen it. We'll help you get approved quickly at a rate you can afford. Get started with a free life insurance quote now!
Get In Touch With Huntley Wealth Today
If you are looking to find term life insurance quotes from 40-49 years old, then you are in the right place! Call the independent agents here at Huntley Wealth.
We have access to over 40 of the top life insurers in the industry and will work tirelessly to get you the best possible premiums for your unique circumstances.
Don’t let your age or pre-existing medical conditions stop you from getting the protection your family deserves. We specialize in high risk cases.
From bad hearts to missing parts, we’ve for you covered. Call Huntley Wealth right now at 888-603-2876 because we can help!
If you are in great health, and want the convenience of applying online, while still getting rock bottom prices, use this link: Apply Online
• No Speaking with an Agent
• Medical exam is Required
• Approval may take 4-6 weeks
• Apply for same policies you would through an agent at the best prices!
If you have any questions, call us at 888-603-2876, and we’ll be happy to help.
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