Life Insurance Rates Term

Posts Tagged ‘Health’

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I am interested in a term life insurance policy for myself and mywife. We are 50 and 51 years of age and in overall good health.We are both overweight according to Farmers insuranceguidelines. Everything was fine with regards to our health exceptfor their restrictions about the weight issue.My question: What are we supposed to do in order to be insuredwith a reputable company ?We would be willing to pay a higher premium if necessary.Could you Please recommend some insurance companys thatprovide flexibility with regard to weight.

I’m a 29 year old smoker otherwise in great health

Any ideas for a 30 year old male and female (listed seperately) at the standard health rate?
Terrible answer on the price being irrelavent….especially from someone that is a financial advisor. I’ve had 2 financial advisors from two different highly rated companies and they where pushing $1M polices with a combo of pernament life…seriously? I just want all dept wiped if I were to die.

I spoke to an agent and he recommended life insurance (since in the future I plan on having a family, kids husband). Term insurance for 10 20 or 30 years is pretty cheap ranging from 10-16 bucks a month for me, whole life is A LOT more. I understand the rate for whole life will just keep going up as i get older, but he said it would make sense for me to get term just so I can take the medical test and in the future 10 years (or before the term life insurance expires) I decide to get a whole life policy with the same company (met life) they would still quote me a premium at the health I had when I got my term policy (in case my health were to worsen)….

Am i Making sense..
So basically he said to get the term insurance just so I can take the test now and wont have to in the future (20-30 years) which by then who knows what my health may be….My age will pay a factor at that time at how much whole life will be, but my health work for me and not against me….

What do you say? (then by 20 years I can really see if im going the route of having kids etc)

what type of health insurance would you reccomend? HMO PPO, other. what kind of rates do you pay? what would you consider reasonable for a man, woman, child family plan? (self employed, small business owner) what about life insurance? difference between term life, whole life, cash value policies, etc.

Quotes for term life insurance, instant term life insurance, return of premium term life insurance, individual health insurance, short term health insurance …

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